Consumer complaint received 2020-04-22
Company: Orion Capital Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call today on XX/XX/XXXX from a fictitious number leaving a very vague message from a representative at the extension XXXX. On the same day a friend sent a screenshot of the voicemail to text, that the same representative called and left. Today on XX/XX/XXXX was the first time I have heard from this company. I XXXX the number and found it belongs to Orion Capital Solutions, LLC.  Below is a transcription of the voicemail that was left by the representative. 

Hi Good morning Ms. XXXX, this is XXXX. I am reaching out to you XXXX in regards to the notification that my office has sent out to your mailing address. Its in reference to the paperwork that we have here concerning yourself. We still as of today have yet to get any sort of response from you and prior to making any sort of recommendations, Im really hoping for an opportunity to go over the full details of this with you directly. If this is something that you would like your input considered on before anything is decided, Ill be here today until about XXXX O clock Eastern time. My direct number here is ( XXXX ) XXXX XXXX extension is XXXX. Thank you When I returned the call, the representative was very aggressive and stated that this was regarding a debt that was referred to them in XXXX of XXXX. She was still very vague, and I questioned how she got the contact for my friend and why she would contact a third party regarding this supposed debt. I also asked why so much time had passed before I was contacted regarding this supposed debt, why I had not received any written notice about the supposed debt, and that usually after 30-60 days of no response from the debtor the debt is attached to the  credit history she claimed that it was sent via email. 

I also stated that this is not normal behavior for a collection company and formal written validation of debt is required on the debt collectors part per the Fair Debt Collections Act. The representative became irate and told me that was false and not how collections accounts were handled and that I committed a crime by violating my contract with the original debt. This company has broken many parts of the law and are using illegal tactics to intimidate me regarding a supposed debt they have yet to send a validation for. Below are some clear violations made by this company.

1. This company violated section 805 of the Fair Debt Collections Practices Act which is public law, by contacting a third party regarding my contact information and debt.

2. This company violated section 806 of the Fair Debt Collections
Practices Act by using deceptive and misleading tactics in connection with the debt. They also attempted to disgrace me by saying I was committing a crime in relation to the debt, which is also a violation in this section of the Fair Debt Collections Practices Act.

3. This company violated the Fair Debt Collections Practices Act by not sending a written proof of debt showing information about the  original debt, original contract, amount owed, proof of debt etc.

Company response to consumer: Closed with explanation