Consumer complaint received 2021-04-07
Company: CNG FINANCIAL CORPORATION
State: MD
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:
For the duration of two weeks, I have been getting harassing phone calls from what I believe to be a person attempting to commit fraud against me. A guy called me fast talking and rarely trying to let me get a word in. He accused me of a debt that is not mines from a XXXX XXXX XXXX in DC. There is not a XXXX XXXX XXXX in DC. The District of Columbia XXXX banned these types of places over 20 years ago because of the harm it was doing to its constituents. This person did not tell me his name during our phone calls, it was not until later when he left a voicemail message that he left a name and company name " XXXX XXXX XXXX '' and that his name is " XXXX XXXX ''. He told me he was calling from Texas when I asked where he was calling from and not the agency name. 

He never originally told me where he was calling from. He quoted the last 4 digits of my social security number to me and not the other way around. If someone answered the phone and just said yes they were me, then they have just given out my information to a possible stranger. He was persistent on me making a payment today and not willing to provide me with any proof of his claims. He threatened me that I needed to make a payment today and make a decision today or I would be sued and that it was going to be proven that I had no intentions of paying this alleged loan and there would be further consequences for me. 

I explained to him that I did not know what he was speaking of and that this is not my debt, but because he called out of the blue I had to check my records that I keep to make sure. I never admitted guilt that this debt belonged to me, I just always like to make sure of everything and I was taken back because he was speaking of a very old debt. He quoted a XXXX debt with them from DC. Like I mentioned above, these types of places have not been around for over 20 years. 

He was very rude in his tone, unprofessional and condescending during his telephone calls with me and all during the Pandemic and all of the woes people are going through. A woman called last Wednesday, XX/XX/XXXX and said she was calling on behalf of this supposed collection agent that was out of the office that day and that they needed my address so that they could serve me papers to sue me. They called me on a brand new number, which lets me know that they are probably scammers. On my caller I.D . a couple of the numbers they called me from showed " Scam Likely ''. I asked this young lady what company she was calling from after she told me she was calling on behalf of XXXX XXXX and she replied they represent a lot of different companies and she never answered my question. 

The person who has announced himself as XXXX XXXX XXXX from XXXX XXXX XXXX on my voicemail has indeed spoken with me on the phone. This is NOT my debt. His last voicemail was yesterday XX/XX/XXXX stating that after several attempts of trying to get in touch with me regarding my pending legal matters out of the District of Columbia that he has no choice but to make the recommendation for the client to proceed against me legally. XXXX XXXX said that his agency will be contacting my Human Resources Department for Wage Verification and that I am neglecting this matter and that the client is wiling to rectify this matter if only I call them back at ( XXXX ) XXXX. XXXX XXXX had the gumption to wish me well in this matter after all of the harassing phone calls. 

THIS IS NOT MY DEBT! 

False accusation of a {$1000.00} debt to XXXX XXXX XXXX! I believe this person that does a lot of fast talking on the phone and voicemail are trying to SCAM me and I do not owe this and this is not my account. He is now calling from XXXX XXXX XXXX numbers but said originally he was calling from Texas. 

The numbers that XXXX XXXX XXXX and the female have called me from are as follows : XXXX XXXX XXXX XXXX - File # XXXX XXXX as per recording when I called them back ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation