Consumer complaint received 2016-02-26
Company: Financial Credit Service, Inc.
State: AR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Received a call/voicemail on XXXX/XXXX/XXXX from what caller said was an attorneys office. Called back same day. 

Transcript of voice-mail from XXXX/XXXX/XXXX XXXX am Yes. Hi this is XXXX XXXX. I 'm with attorney 's XXXX XXXX Asset Recovery Division. Uh, we do have an affidavit scheduled to be filed out of XXXX County this afternoon for XXXX XXXX XXXX XXXX. XXXX XXXX, if you want any input, sir, on my decision, do n't hesitate. Please, feel free to give me a call back to avoid any further damage. You can reach me directly. My number is XXXX. My extension is XXXX sir. Thank you. 

Transcript of telephone conversation between XXXX XXXX and XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXX XXXX : Hello, this is XXXX. 
XXXX : Yeah, hey how ya doing. XXXX XXXX? 
XXXX : Yes. 
XXXX : Yes sir. This is XXXX XXXX. You returned my call. I do appreciate that sir. Uh, there was an affidavit that was scheduled to be filed... actually I put it off cause I was n't able to check my voice-mail today. It 's going to be tomorrow afternoon. It is out of XXXX County. Now I needed to know whether you process service to appear and be summons on this matter. The petitioner was XXXX XXXX. There was a lawsuit for {$2400.00}. Were you aware of that? 
XXXX : I 've never has an account with XXXX XXXX. 
XXXX : Uh, the attorneys have detected from XX/XX/XXXX to XX/XX/XXXX. There were payments made. So if there was anything compromised, that 's usually not the case. Where they????? 
XXXX : If what you are saying XX/XX/XXXX? I believe you are a collection agency right? 
XXXX : No no, we are an attorneys office. There was XXXX different collection agencies though, that were doing this prior. They did send notices. I 'm sorry. 
XXXX : Okay, so if you 're an attorneys office then you know the state of Arkansas statute of limitations is three years on open-ended debt. 
XXXX : Of course, of course. Sir. 
XXXX : So I would like you, I would like you... 
XXXX : The statute of limitations, the statute of limitations only allows the current creditor or financial institution to keep, continue to place it on your credit history. They do n't have to report it after the statute of limitations runs out. If you never.. if the control-ant never files bankruptcy or disputes it, then they can reinstate it as a civil judgment. Not as a derogatory trade against you. 
XXXX : So, so XXXX. Are you, are you threatening to sue me? Is that what you are doing here? 
XXXX : Well, actually yes sir. 
XXXX : Okay XXXX : {$2400.00}. 
XXXX : Okay XXXX : So if you want to appear, that 's fine. You have the right to. We do n't beg, we 're not asking.. 
XXXX : So you, you do know threatening to sue is a violation of the Fair Debt Collection Practices Act, correct? 
XXXX : Do you want to resolve this voluntarily? 
XXXX : Hey XXXX. 
XXXX : We are proposing an affidavit XXXX : XXXX XXXX : To be filed out of XXXX : XXXX XXXX : XXXX County to have you address the matter. 
XXXX : XXXX, I am going to let you know right now that I have been recording this call. 

XXXX : You did n't have my permission. 
XXXX : I do n't have to. In Ark... 
XXXX : That 's against the law. That 's against the law. 
XXXX : In Arkansas, only one party has to consent to a voice recording. 
XXXX : That 's okay sir. You 're an educated, you 're an educated debtor. We understand. 
XXXX : I am. I am. And I 'm going to tell you right now, Do not contact me again. 
XXXX : We speak with several, we speak with several people like you daily sir. Okay. 
XXXX : Do not contact me again. 
XXXX : Alright, I wish you luck sir. 
XXXX : I would, I would like your address.

Company response to consumer: Closed with explanation