Consumer complaint received 2021-12-31
Company: CNG FINANCIAL CORPORATION
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XX/XX/XXXX - my boss received a call from XXXX XXXX from " location Services ''. XXXX XXXX gave boss my SS # and stated that he needed to serve me a court summons for case # XXXX. asked my boss to have me call him ( XXXX XXXX at XXXX. 
XX/XX/XXXX - boss retrieved me from a meeting to give me this mssg. I immediately called XXXX XXXX at XXXX. The lady I spoke with didn't even know who XXXX XXXX was until I said he was with " Location Services '' and then she said ohhh yes, he's a server. She then sent me to a lady with XXXX XXXX. She informed me that case # XXXX XXXX XXXX was filed in XXXX XXXX ( XXXX XXXX had said case was filed in XXXX XXXX ) for Breach of Contract, fraud, and " multiple other reasons '' from Chev-n-go. I let her know I have never taken a loan from Check-n- go and may I please have something verifying the debt in writing sent to my current address. She then asked to verify my address which I would not, as if there is truly a case against me they should have my current address. She informed me they are a collection company and I would need to call Check-N-Go to get a copy of debt in writing. 
XXXX called CheckNGo. Lady had no idea what I was talking about but did eventually find a loan from XXXX that had been taken out in my married name of XXXX XXXX for {$1800.00}. I informed her that I had never taken a loan from CheckNGo so what do I do ad I'm receiving calls at work threatening legal action against me. She had no clue what to do so she gave me an XXXX feedback number to call. 
XXXX called CheckNGo feedback line at XXXX. Eventually this person directed me to XXXX XXXX XXXX which is who they sold the loan to when it wasn't repaid. He could not tell me what to do about the loan not being mine but told me to call XXXX XXXX for help. 
XXXX called XXXX XXXX and left mssg (? ). XXXX. 
**note that during this time, calls from XXXX Services were still coming in to my boss. 
XXXX XXXX am I received the following voice mail " Hi this message is for XXXX XXXX this is XXXX XXXX I'm calling in regards to a wage garnishment and lean that's been filed against you by XXXX XXXX and XXXX through XXXX XXXX Kansas State law does mandate that we hold this legal documentation for a 24 hour period. The hold is designed to allow you an opportunity to voluntarily resolve this matter directly with XXXX XXXX and XXXX before litigation at XXXX XXXX. Your case number is required when you calling. '' XXXX I called XXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who informed me that original debt is in the amount of {$2400.00} but I could settle today before XXXX pm for {$990.00}. I told him the debt is not mine and he said legal proceedings would continue. ( This dollar amount is different than what XXXX XXXX gave me ) I told him I would have to move money around to pay ( not having any clue what I'm paying for ) and I would make some calls and call him back. 
XXXX called CheckNGo again to try to get some answers. He sent me to a local store in XXXX who then offered me a payday loan!!! I said I am trying to figure out a past loan that I didn't take that I'm now getting threatening calls about. He then sent me back to the XXXX number for feedback line. 
XX/XX/XXXX XXXX am received the following message on voice mail : " Hi this message is for XXXX XXXX this is XXXX XXXX I'm calling in regards to a wage garnishment lean that was filed against you by XXXX XXXX and XXXX legal firm. I left a voicemail at this number on the eighth regarding this case. I have not received the stop order from the firm so I have to dispatch a process server out in the field to serve you at your place of employment so seems that you're in education you probably won't get it till the XXXX XXXX. So you do have a bigger window if you're looking to resolve this but you understand if it's not resolved you will be going in for a full wage garnishment leans when they come out to your place of employment make sure they have a manager or supervisor available to service of witness .... '' I still have no written verification of debt and continue to receive calls threatening legal action at my place of employment. 
The last VM from XXXX XXXX acknowledged that I was out of school for the winter break but that legal action would continue after the XXXX XXXX??? And they apparently don't have my current home address which I'm assuming is why they continue to call my place of employment. The dollar amounts that these people are giving me are different. 
This all seems like a big scam to me but I can not get any clear answers.

Company response to consumer: Closed with explanation