Consumer complaint received 2017-03-01
Company: Critical Resolution Mediation LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX, with Critical Resolution Mediation, called me from XXXX XXXX on XXXX/XXXX/2017 around XXXX. She stated that her office had received an unpaid check on a payday loan taken out online at XXXX company which is a non-licensed tribal loan company ( which I now know only because now I have done some digging ). I was told that there was charges pending in her office for malicious intent, wire fraud and theft by electronic funds transfer. I am a single mother, on unemployment, clawing my way through college and already under an undue amount of XXXX. She told me that if I did not pay the {$1400.00} immediately that charges would be filed in my parish ( Louisiana ). I do not know what, if anything, I can do about this, but she never disclosed the call being recorder, that she was a debt collector and went as far as to imply she was an extension of law enforcement that mediates before formal charges are filed? No if possible I would like to know how to sue this malicious company and file charges of my own. If I can file on both XXXX and Critical Resolution Mediation that would be even better after all of the information that I have uncovered today. These are predatory bullies who need to be stopped! They have no regard for the LAW let alone respect! I am livid, I have a XXXX. This was more than I needed. 

XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communicati

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed