Consumer complaint received 2018-10-05
Company: JTM Capital Management, LLC
State: AL
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:
On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX  stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said " so I'm headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX.

I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn't have it. That he will get my information to his " client '' and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which " XXXX '' nor " XXXX  '' provided in any communications, and the company XXXX   XXXX  is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website.

I called " XXXX '' back on the number " XXXX '' left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his " clients '' he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up.

This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from " XXXX  '' and " XXXX  '' were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal.

The address to XXXX XXXX is XXXX XXXX XXXX, NY. XXXX.

It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail " XXXX  '' left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation