Consumer complaint received 2021-03-09
Company: CNG FINANCIAL CORPORATION
State: CA
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:
I received a phone call from XXXX the gentleman that answered said his name is XXXX, and that the call was in regards to sensitive information. I asked what kind of company this was, he replied, mediation services. He then wanted me to verify personal information and I said, I can't verify information if I don't know who you are or what this is about. XXXX, then asked, " so you don't want to verify information? '' I replied, " I can't if I don't know who you are. '' He replied, " ok, I will just update the file that you refused to verify information, good luck in court. '' At that point XXXX hung up. 

I then looked up the phone number online and I couldn't find it associated with a business. I call back, this time I'm at my computer ready to write down information and verify that it's a legitimate company. I call back and a gentleman named XXXX answers the phone. I said, I just got a call from this number but I am trying to find out who you are. XXXX then says they are either client services or mediation services ( I can't remember which one ) he said a company had filed something against me and if I wanted the information I would need to verify my information. At this point, I'm still not sure what kind of company this is ( I'm thinking this is probably a scam ). So I informed him I was looking up their information so I could confirm my information at which point XXXX say, " So do you want this information or not? '' then he hung up the phone. 

I call back again and a different person answers the phone, I informed them I was calling because I had gotten a phone call from that phone number and I was trying to see what it was about, The gentleman on the phone say, I am looking for ( says my name ) and I said, yes that's me. He said they were calling because " Check N Go '' had an outstanding debt on file with my name on it. He then pauses and says, " oh please hold. '' I said ok. Then somebody answers the phone and asks what is it that I need. I said, I was on the phone with somebody and they asked me to hold and that now I was talking to this new person. The person on the phone then says, " It's XXXX, why are you calling again? '' I asked XXXX once again for the company name and he said, " XXXX XXXX '' and I asked what kind of company is this? He replies, " it's a Mediation company. '' I asked mediation for what? he then says something to the effect of why are you calling, what do you want? I let him know I was now willing to verify my information now that I know what the call is about. So I confirm my information and XXXX lets me know this is about a loan balance of {$3300.00} and if I wanted to take care of it or if they would be seeing me in court. At that point I said, well, I need more information first. I asked for the name of the company ( Check N Go ), and when the loan originated ( XX/XX/2014 ). I then asked if " XXXXXXXX XXXX '' was a collection agency. XXXX said no, they are a legal company that will take action if I don't take care of the balance. I said, ok, whatever information you have please mail it to me, so I can obtain legal counsel and they will get back in contact with you. At that point XXXX asks, so how do you want to take care of this balance? I said, " Since it's a legal matter, I will have somebody look at the information and get in contact with you. '' XXXX then asks, " So are they going to take care of the balance? '' and I replied, " They will get in contact with you, please mail me the information, thank you. '' Then XXXX said ok and the call ended.

Company response to consumer: Closed with explanation