Consumer complaint received 2021-01-22
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2021 By the name XXXX XXXX contacted my wife 's phone from XXXX at XXXX XXXX  and left a message. In that message she spoke very fast and not every word was spoken clearly ; however, she left personal information ; my full name, my age, full DOB and full address. My wife 's phone does not have a personal voicemail message, so she had no clue who she was even leaving the message for. She also left this full message on XXXX  of my daughter 's voicemails as well. She is contacting and give all my personal information to several people. 

After reviewing the message several times I believe the company 's name is MSB or could be MSV. 

She left a message threatening that she is in arbitration process incentive division and that I have a case number with XXXX XXXX. The case number she left on my wife 's phone is different then the one she left with my daughter. The phone number that she left on both voicemails was the same XXXX. 

She stated she will be contacting all employers, anyone that is close to me, all locations and this is in recovery for rewards for all assets including properties, vehicles and bank accounts. Then she stated thank you, good luck. 

If this is in fact a collection account of some sort, contacting people and giving/leaving my personal information is harassment. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and threatening to contact an employer and sharing information improperly, and improper communication tactics. 

Under federal law, a debt collector may contact other people but generally only to find out how to contact you and they are not following this law with giving out my personal information. 

Fair Debt Collection Practices Act ( FDCPA ) 807. False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Contact me on my phone with a phone number that I have had for over 10 years and let me know what it is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation