Consumer complaint received 2016-02-05
Company: Check Security Associates, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was originally contacted on XXXX/XXXX/16 at my place of employment by a XXXX XXXX claiming to be with the PreLegal Dept.with Warner Asset Services and referenced a case number of XXXX. I explained that these calls are unacceptable and not allowed by my employer and that I would call him back on my cell phone. I returned his call at XXXX ext. XXXX however ; when you call this number it does not state the name of the company, location or hours of operation and automatically prompts you to dial a extension number, which I found very odd. I was told I owed an outstanding debt to a company called XXXX over the amount of {$1800.00}. I advised XXXX XXXX that I did not owe this debt and that if this was a legit debt I would have been notified by US Mail, which I have not. He also called my daughter on XXXX/XXXX/16, claiming that I used her name as reference on this so called loan. I requested verbally that he Cease and Desist on calling me at work, on my cell phone and any family members on this debt that is not owed. They are also calling me from XXXX to make it appear that is a local call in the hopes I will pick up. I let it go to my voice mail and it is either a XXXX XXXX or XXXX XXXX using various company names of Warner Location Services, Warner Asset Location Services, Asset Location Services or Warner Assets Recovery. I have found online a Warner Asset Location Services, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX and also found online XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX. Today XXXX/XXXX/16 they have called my daughter, XXXX my sons, and non-family members from a number of XXXX stating that it is very important that I get in contact with XXXX XXXX over an important matter along with referencing the above case number. I was also contacted at my place of employment after stating that I was not allowed to receive these kind of calls at work. XXXX XXXX was very rude and verbally abusive and stated that I needed to pay up on this debt and threatened to submit a Verification of Employment with my employer, along with taking legal action against me. I have gone to the website of XXXX and have read all the complaints from others who are experiencing the same harassment I am. Apparently they are using illegal debt collecting practices to scare and scam people out of money that is not owed. They have previously operated under the names of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. They are currently not accredited with the XXXX in either XXXX or XXXX. It is very disturbing and alarming that they have tracked down my family members and now harassing them as well and trying to extort money out of me. There is never a Mini Miranda used when leaving a voice mail message or when I have spoken with them on the phone. I have past experience as a Debt Collector and recognize that these approaches and practices are not within the guidelines of the Federal Trade Commission and Fair Debt Collection Practices Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation