Consumer complaint received 2019-11-05
Company: Global Asset Management Group, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I began receiving phone calls from Global Asset Management on XX/XX/2019 from XXXX. They called both my phone numbers ( work cell and personal cell- see below for details ) and left an automatic voice message stating ( transcribed on my phone ) : " We are contacting you from the process division we need to verify a current address as well as place of business to address to proceed against you. At this time you are forgetting your rights to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure just to review on the property again the client is willing to rectify this matter if they hear from you today. Press one to speak with a live agent or contact our office at XXXX. When calling ensure to reference your case number XXXX XXXX. '' I returned their call on XX/XX/2019 at XXXX XXXX ( 9 minute call ) and spoke with XXXX XXXX ( extension XXXX ). She informed me the call was recorded and then immediately explained she is from Global Asset Management and she is calling due to a Breach of Contract and I think she said defraud of the company ( I did not write that one down ) against XXXX. She advised that this is in reference to a repossessed vehicle, a XXXX XXXX XXXX ( listed the VIN which I did not write down ). She advised they will garnish my wages up to 33 % and put a lien on any property I have. The balance amount is {$6300.00} but they are offering a relief reduction of {$2500.00}. 

At this point I advised that I do not make any decisions on money without speaking with my husband and I don't just have {$2500.00} available. She continued to pressure me about agreeing to the debt. I advised that I did not receive a Validation Letter in which she informed me that they will not send that out  until they can come to an agreement about this debt. I once again advised that I do not have {$2500.00}. At that point she offered a hardship program where I can make payments on file. The payment program would be 4 payments. I then asked for XXXX 's phone number since the debt is theirs. She advised she can not give that to me because they now own the debt. She advised what XXXX would like to do is to collect the whole {$6300.00} and they are offering a reduction. It will go to arbitration with XXXX. 

At this point I advised that I will speak with my husband and return her call tomorrow. She advised that she would need approval from her manager on this because a lot of people say they are going to call and then just ... ( she went silent ). I then asked " what do people do? '' she said oh, well they say that and just use the time to procrastinate or find ways against them. I advised, well I do not think you can group everyone in that and I showed good faith since I returned the call. She said she will still need to get approval from her manager. I said that is fine, but just know that I will disconnect this call, because all I am agreeing is that I will speak with my husband and return her call. She asked when and I advised before XXXX XXXX. She once again said she would need approval from her manager. I agreed and actually stayed on the line. She returned and agreed that her manager would allow me to return the call, but collection activity will still  occur and she can not guarantee that I will not be served before then. I voiced understanding. She asked me to call back and ask for her with her extension. I ended the call. 

After the call, I pulled my free credit report from XXXX  and XXXX was not listed. Even though I agreed to call them back before XXXX XXXX today, I do not feel comfortable making that call due to the issues described below. I believe this company is using unethical collection tactics and harassing behavior. 

I feel this company is in violation of the FDCPA for the following : 1. They did not send a validation letter.

2. They did not provide a mini miranda on the call.

3. They would not provide me the validation letter when I verbally requested.

4. They would not provide me the phone number of the original creditor when I asked.

5. They used threatening language for a lawsuit in order to entice me to agree to a debt that I do not believe is owed or past the statute of limitations. 

The robocalls or voice messages received are the following : XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/XXXX- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX Missed Call and Voice Message Left XX/XX/2019- phone ending in XXXX XXXX XXXX  I returned the call. There was no answer so I left a voice message stating my name and phone number. Advised I received a message from someone in the Processing Division and am asking what this is pertaining to and requested a call back. 
XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call XX/XX/2019- phone ending in XXXX XXXX XXXX  Missed Call and Voice Message Left XX/XX/2019- I returned their call at XXXX XXXX   and spoke with XXXX ( see above. 

Thank you in advance for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response