Consumer complaint received 2017-02-26
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX I was contacted via cell phone. I had missed call, but the voicemail stated that it was in regards to a matter assoc. with my ssn. I called back and spoke to XXXX XXXX, who did not answer the phone with a company name. She took the reference number that was left on VM and said it was in regards to a loan we had through XXXX XXXX on a car that had been repossessed XX/XX/XXXX. I do not believe she EVER stated to me that this was an attempt to collect a debt. That we needed to pay or they were going to have our wages garnished, and our tax refund held. I immediately became defensive and told her it was XXXX, and she kept talking, and a heated argument continued briefly, before I just hung up. She called back from a XXXX ( local ) number and continued to argue with me, and I told her I would be speaking with an attorney. She said, that was fine, that she would talk to my spouse XXXX who was on the other line. My husband and I each had the XXXX, and when I got home from picking my kids up from school an argument between us continued over the issue. He did manage to tell me that the guy that he had spoken to said we must be doing well, as they had us at his parents address in XXXX. He stated that they did not have our current address ( of 10yrs now ) and thats why we had NEVER received anything other than this phone call from them. They never referenced any other calls made to us either. This is the FIRST attempt that I know of, and I was n't even given a company name on the voicemail ( which I have saved ) or when I called. XXXX XXXX answered the phone as just that ' " XXXX XXXX ''. 
I have contacted XXXX XXXX, and spoke with the collections department, and they stated they wrote the account off, and sold it to another company that shut down later, and that they had sold it yet again. The statue of limitations in Texas for Consumer Debt is 4yrs. As of XXXX, they have forwarded the information to the Manager of the department, and I should be contacted this next week on the matter. I also contacted an attorney who directed me to this site, and stated that their tactics were indeed sketchy at best. 
I also found out during this time, that my husband gave them my bank account number.He is NOT on my account, and I have since BLOCKED anything through this company from being taken out of my account, and I am closing the account. They called us back on XXXX, and spoke to my husband, who informed them of me blocking any money from them to be debited from my account. They stated if the check did not clear, that they would turn us in for a hot check to the XXXX XXXX Sheriffs Department and have a warrant issued. I also faxed them a refusal of allowance on XXXX to take money out. Whatever my husband did with them, stated we had 3 days before the money was to come out to cancel via call or fax. My husband said the money was to come out on XXXX XXXX. They did give my husband, '' Zenco '' as the name of the company. 
I do not know if this is legit, and why XXXX XXXX had our address, and these people did n't. It all sounds way to fishy. I did n't think it sounded right for them to demand payment or they would immediately have our wages garnished, and our refund withheld. Then, to threaten to turn us over to the Sheriffs Department if payment would not go through. 
Please contact me in any regards.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed