Consumer complaint received 2019-09-06
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Starting on XX/XX/XXXX I had a total of 3 calls in one day ( XXXX, XXXX, XXXX all went unanswered by me and no voicemails were left ) from XXXX. They called again on XX/XX/XXXX at XXXX ( again unanswered by me and no voicemail ). I called them back at XXXX with the call lasting 4 minutes 42 seconds. 
The person answered the phone " mediation center how can I help you. '' ( I was not given a proper name of the collection agency nor the name of the agent I was speaking with. ) I said " this number has been calling me without leaving a voicemail and I'm not sure who or why? '' She then took a moment to find " my file '' again I gave her no information as to who I was in order to locate said file. There was no information given as to who I was, I did not state my name at all. She then stated that she was looking for XXXX XXXX, I answered with a simple " Ok '' I did not verify that I was in fact XXXX XXXX. After that she proceeded to go into detail about a alleged loan I have with Check N go dating back to XX/XX/XXXX. ( I do not see this loan anywhere on my credit file? I try to keep a close eye on my credit monitoring with XXXX and XXXX XXXX at least monthly if not weekly. Nor have I been contacted otherwise ) She explained that the total of which account is {$1200.00}. However if paid today they would settle for {$850.00}. I spoke very little during this call. Mostly with simple 'OKs ' or 'hmmmmms ''. 
She then proceeded to tell me how they have more then enough information to take me court. She cited my full social security number, date of birth, age, employer and last known address. ( remind you I did not tell her I was XXXX XXXX. She told me she was looking for XXXX XXXX and I simply answered with an " Ok '' ) She told me if I did not pay today or make arrangements for monthly payments today they would be able to find me and my job because my social security number follows me everywhere and they would take me to court where I would have to go in front of a judge. She threated a lawsuit that she led me to believe was already filed and ready to go, wage garnishment and more if I did not pay. At this point I then stopped her said " I have no idea what you are talking about so I will have to do my own research. '' I could tell she was getting upset then said that they already knew everything about me and that this was time sensitive so there was no need to do my own research and that this was going to court if I did not pay. I then said " well first of all I never stated that I was XXXX XXXX. '' After I said that she got very defensive and changed her tone and started raising her voice saying " I told you I was looking for XXXX and you said that's who you were ''. I said, " No I did not say I was XXXX, you said you were looking for XXXX and all I said was OK. '' Still upset she starts talking much louder and more defensively overlapping and trying to speak over me saying " You said Ok? Well what does that mean? That's means you're XXXX. '' So I said " listen I do not know who you are or what this is about but you need to stop contacting me. '' Then she hung up. This is extremely unacceptable. I did not state who I was. Nor did I verify myself or any other information. I wasn't even asked to verify any information. They told me who they were looking for and all I said was " Ok. '' Nothing else. All of my information was given out freely in that phone call. This was completely unprofessional and could have really been devastating to my identity, my credit and my life if that information was given to the wrong person.

Company response to consumer: Closed with explanation