Consumer complaint received 2019-01-11
Company: F&M Capital LLC
State: TX
Product: Debt collection
Sub-product: Other 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 call from F & M Capital in XX/XX/XXXX stating that they were attempting to collect debt from unpaid student loans from XXXX University. I let them know that was inaccurate because my student loans are in deferment through XXXX XXXX because they are under investigation by XXXX to be forgiven since I submitted proof that XXXX University was mishandling my student loan money. To this day they are still in deferment and I am in good standing with XXXX. They did not let me explain this in detail because their paralegal was screaming at me and telling me they didn't care what XXXX did or said that I still owed them money. I told them I was not going to pay anything to them when I know I am in good standing with XXXX who manages the loans. They stated they were going to sue me and take legal action against me. I hung up because they continue to harrass me and scream at me to the point where I could not speak. Today XX/XX/XXXX I received a call again and they stated they were looking for a XXXX XXXX and calling about a XXXX account and they were with F & M Capital. I told them I didn't know who F & M Capital was because it has been a few months since they called and at the moment I didn't recollect the name. He repeated my information, but did not mention what debt they were trying to collect. Not to mention this person did not mention his name and called me from an Unknown number. So I told him again sir I don't know who F & M Capital is and I need more information before I give any information or can help you. He said I can transfer you to our paralegal. I said no if you can't give me any information I don't need to be transferred to anyone from an unknown number. His response was WOW we have in our system that you were difficult last time we spoke to you and from this conversation I can see you difficult to work with and from there he began to scream at me and I had to pull my phone away from my ear. I told him sir you're an attorney and he continue to scream. So I had to speak over him with my phone away from my ear and tell him if you are an attorney as you claim you should know that no one is going to give someone from an unknown number any confidential personal information. He continued to scream over me, I repeated myself again and hung up. He immediately called me again and it was an unknown number again and rejected the call. I tried to go on their website XXXX XXXX XXXX and they do not have an email that I can send them a cease and desist letter to leave me alone. The XXXX account with my ex husband has been closed since our divorce as it was part of our divorce decree and XXXX  has told me that I am in good standing and my loans are being investigated and are deferred until a decision has been reached. I don't have proof because they are calling me from unknown numbers and don't have email address to be able to respond with trackable information.

Company response to consumer: Closed with explanation