Consumer complaint received 2021-05-03
Company: 2288984 Ontario Inc.
State: UT
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:
XXXX XXXX XXXX originally contacted me on XX/XX/XXXX at XXXX. They had a lady contact me initially to let me know that they are pursuing a case against me # XXXX and that they were a XXXX XXXX Compliance Officer. They stated that they had been trying to reach me in regards to a MoneyKey loan that I had taken out. I didn't recall taking out a loan from this establishment. I requested to have documentation sent to me. They referred me to their legal department at XXXX. They informed me that they are only relaying a message that there is a court case being processed against me. 

So, I contact the legal department same day at XXXX. I tried to speak with a lady who said her name too fast for me to write down. She began her speech of telling me that they had a court case being processed against me and that they will be pursuing criminal charges of fraud and a few other charges as well. She also stated that they had sent correspondence to my address ( of which scared me as they had all of my personal information ). They said that they had sent me letters on several occasions and that their communications had went ignored. I advised the lady I spoke with over the phone that I was not sure where this debt had came from and asked for written documentation of this debt. She didn't comply with this request and stated that they had already sent my correspondence via regular mail. I have not received this letter or any written documentation regarding this debt let alone any charges being pursued against me. When I stated that I was feeling threatened and that they were really harassing me on this subject, I heard weird scrambling noises and then they proceeded to hang up on me. 

I contacted the XXXX XXXX Courts and they advised me that the case number they provided was an actual case number anywhere in the state of XXXX All of their case number start with a 2. 

I contact my attorney who handled my chapter 7 bankruptcy case that was filed late XXXX of XXXX. I asked for advice on how to handle the matter. They tried to reach out on my behalf. But, since I had not given authorization to speak to my attorney, they refused to talk to them. I have not heard any response back on this until today XX/XX/XXXX. 

This afternoon, I got another call from the XXXX XXXX Compliance Officer from phone number XXXX. They stated that they were processing my court case XXXX. They stated that I was being noncompliant and that my noncompliance is being documented and would forfeit my legal rights. I stated back to them that this was not true. I had requested documentation of the debt and no one was willing to assist me with this information. I advised them that my attorney has been notified of this. Had I known about this debt prior to my chapter 7 bankruptcy, I would have ensured that this was included. It is required to disclose all debts for this bankruptcy. Nothing was being reported to my credit. Nor were there any judgements filed against me stating that I owed this debt. I continued to state that they had been aggressive and when I had asked numerous times on the initial phone call for documentation of this debt, they simply told me that they had already sent this. Which is not true. 

In addition to this, they contacted one of my colleagues. She called me right after letting me know that they had contacted her stating that they had been trying to reach me and that they had a case # XXXX against me. They provided her with all of that information and my full name. They asked if they could have her contact me back. They contacted her about XXXX XXXX after speaking with me over the phone letting me know I was being noncompliant and that my noncompliance was forfeiting my legal rights. 

I contacted MoneyKey as well ( XXXX ). They transferred me to their payment solutions department. The gentleman I spoke with confirmed my information and identity. I informed him that my attorney would be contacting them to obtain information pertaining to this debt. But, I also gave them my bankruptcy case # XXXX. I advised them that had I known about this debt at the time of filing for bankruptcy I would have had this settled at that time. The gentleman was very nice, took down the information, and I authorized my attorney to access my account information as needed. He let me know that they had sold my loan to a 3rd party Debt Buyer by the name of XXXX XXXX XXXX. I have provided this information to my attorney. 

I have received a few voicemails from this company. They were threatening me with arrest and taking me to court to file charges of fraud against me along with not having funds available in my account to pay for a loan as agreed. 

XX/XX/XXXX is the first time I have been aware of this establishment. They have been harassing me, my coworkers and friends, and have been more aggressive in this manner than what is needed. They tried to state that I was being noncompliant and that I have forfeited my legal rights in my last voicemail. I felt very threatened and harassed in this situation. I have tried to request documentation regarding this debt and no documentation has been provided nor have they been willing to provide me that information as I have requested on several occasions. 

My attorney is being given a signed affidavit showing that they have authorization to speak on my behalf and obtain information pertaining to this debt. But, they still continue to call and harass me.

Company response to consumer: Closed with explanation