Consumer complaint received 2017-05-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a robocall on  XX/XX/XXXX  fr om  XXXX   XXXX   XXXX  stating to call them back pertaining to a " personal business matter. '' I called them back on   XX/XX/XXXX , up on calling I was informed that it was an attempt to collect a debt. I spoke with a woman ( did n't get her name ) stating that I owed {$2000.00} for a payday loan fro m Cash Central. I  informed her I NEVER received a payday loan from Cash Central. She then went on to try and verify information including my ss # which I denied. She said that she would send me papers to take to the police because it was obviously fraud, she then informed me that my phone number would be taken off their list . 5 min.  later I received  three ( 3 ) back  to back to back phone calls from the same number. When I called back I spoke with a different woman who tried to verify information. I told her that I had just talked to someone and was told that I would n't be contacted again, I also asked did they not write notes in their system with this type of information. she stated they did but the other female must 've had her screen up and that 's why she did n't see that I was n't to be contacted again.  2 mi n after ending that call I receive a third call from the same number, this time I spoke with a man. I asked him why do they keep calling and playing on my phone. He acted like he did n't know what I was talking about and I explained what happened. I was once again told that I would n't be contacted again, he also stated that if I did n't want to pay the loan back to just say it and he would put it down as a refusal. He told me that he did n't want to argue and hung up. fast forward t o  XX/XX/XXXX , I received a  panicked phone call from my mother stating that I needed to give these people ( a lady named  XXXX   XXXX   )  because they called not only her but my uncle stating that I took out the {$2000.00} loan in my mothers name with her ss # ( which I do not know ). I gave them a call at a different number and asked for a   XXXX   XXXX   ,  She immediately got on the phone stating how I had taken out a loan in my mothers name and it needed to be paid. I asked her for the original loan amount which she stated was {$2000.00}. I specifically asked if it was a payday loan to which she answered " Yes. '' I then explained it against the law for any payday loan company to provide anyone in the state of SC with a payday loan amount more than {$300.00}, she then changed her story and said that it was an installment loan. We then got into a screaming match and I ended up cursing her out. She stated that she wanted to speak with my mother and that she would call my mother on three-way to let her hear how " disgusting '' I was. She called my mother on three-way claiming how I committed fraud by using my mothers ss #. I then asked her to send me a debt validation letter which she said that she was not going to and that she did n't have to because it was not being reported to a credit bureau. I then told her by federal law that she was required to send me a debt validation letter, which she told me that I was mistaken. We then got into another screaming match which ended with her telling me to " grow up '' and call back when I was ready to pay.

Company response to consumer: Closed with explanation