Consumer complaint received 2023-07-21
Company: Future Judgement Solutions
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
FJS Global. 
Future Judgement Solutions, number # XXXX. 
XXXX XXXX, with an I. XXXX Another XXXX. 
Email was XXXX I no longer want anything to do with this company it is fake and fraudulent. 
All actions took place on the afternoon of XX/XX/2023. 

They said they recently acquired this old ( XXXX years ) auto default loan. They XXXX have said, In the last 30 days. 
The loan has been charged off/removed entirely from my credit reports. The loan was in Oregon I am not in Oregon any longer. 

A call ( XXXX, XXXX am ) came from XXXX and left a message that said, it is XXXX from document processing calling regarding a summon that is scheduled to be delivered by a process server to your home or place of employment. If no contact is established, this will be escalated and classified as a failure to be served. Any questions or concerns can be addressed at the issuing office by contacting them at XXXX. 

The afternoon ( XXXX, XXXX pm ) from XXXX, XXXX said, Its XXXX with FJS Global. I'm just following up with you in regards to the conversation we did have. Um, a couple of hours ago today. Um, if you can just go ahead and follow up with me on my direct phone number, um, that way we can get the file updated, uh, we would need to still obtain a final statement in regards to this. 

They left messages on my phone. I ended up calling back because they said a summons would be served but did not say what it was regarding. They told me my information when I called, my name, birth date, and even part of my social security number. They said they were calling to collect a debt ( a charged-off car loan ). I said I no longer had that debt. They said if I paid someone else it was probably fraud. They wanted me to call my bank right away to declare it fraud. After that they wanted me to call them back so that their lawyers might work with me on adjusting my debt if it was a fraud. ( In other words, lower it. ). They said the average payoff amount was usually XXXX % of what is owed. They said I owed {$6200.00}. They wanted me to call back before 4 pm my time to make arrangements or the lawyers would proceed with their actions. 

They asked for verification if the other company had sent me anything saying it was paid in full. ( I was an XXXX ) I sent them a paper, and they immediately phoned back to say the lawyers do not think that it was legit. ( RED FLAG : lawyers wouldnt respond that quickly. They would need more than XXXX minute ). They said that they tried calling the numbers on the paper and it only rang. I, just after this, called the numbers and immediately got a response. 

They told me that they just acquired the collection this year in the last 6 months. 

I phoned them back after researching collection requirements, and they even provided me with a license number # XXXX. They said it would show up as Future Judgement Solutions, not as XXXX. 

I also asked for a written verification letter sent to me in the mail, but they said they could not send that only email it. I never received anything in the mail regarding an old debt. They refused to give me any more information. 

The one calling me said her name was XXXX, with an I. Another one that answered the phone said her name was XXXX. Their email was XXXX XXXX

Company response to consumer: Closed with explanation