Consumer complaint received 2022-05-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I first received a call from someone reporting to be from XXXX XXXX with XXXX XXXX on XX/XX/XXXX. They ignored any response from me and began spouting off that a legal case has been filed against me with the XXXX XXXX XXXX XXXX in regards to a debt from a payday lender called CashNGo. When I asked for more information the person stated they could not provide me any more information and gave a phone number to speak to a case manager and I was given a case ID of XXXX at XXXX. At no point in the first call was I informed this was an attempt to collect a debt or that the call was being recorded. The caller then hung up. I called the case manager at the phone number above and they proceeded to say they needed to get the account unlocked to view it and they recited my own social security number and mailing address back to me and asked if it was correct. I was only asked to very my email. Then then stated the case was already with the county to be sued for an amount of XXXX $ + and that I would be responsible for their legal fees etc. they then offered to reverse this if I was willing to wait for them to escalate and get approval to have the case canceled if I was willing to pay an amount of XXXX XXXX The call disconnected at this point and I did not receive a call back. I attempted to call back and received a notice that the voicemail was full. The next day I reached out and was able to get a hold of Location Services who then stated they would transfer me to the correct person. That person again went through the same statement from above, threatening to call my employer, and others in order to collect this debt. When I started to say to not contact me anymore, she hung up. A few hours later I received a text from my father overseas who stated someone had called their house phone and left a voicemail that they were trying to locate me due to debt and that a court case was pending in my name in XXXX XXXX. They again gave the same claim number as above. And this location services team then stated they were from XXXX  I returned a call to XXXX  where I was again routed through XXXX XXXX to someone with XXXX They went through the same spiel and again stated they needed to have the account unlocked. I was placed on hold. My own ssn was read back to me and my address and then I was asked to verify my email address. I requested more information about the debt and they were not able to provide any proof that the debt was mine. They again offered to resolve the entire issue for XXXX $ to which I agreed. I was then told the call would be recorded and was required to say I agree to certain things on the phone. They then took my payment information and I was told if I tried to report it as fraud, theyd reopen the case against me in XXXX XXXX and the sim would be much higher due to the difficulties associated with me. I was then emailed a receipt the next day on XX/XX/XXXX with an invoice that shows no amount, an incorrect/incomplete address for me, and no company contact information, and an email address that bounces emails of XXXX ( Ive attached the letter ). I then called CheckNGo who stated the debt was sold to a different company many years ago, and I followed this trail through to a company who is no longer in business. They never received any confirmation that the debt was resolved ( as promised by the phone agent ). I reached out and sent two emails back to XXXX XXXX who sent the receipt at the email above and they never responded.

Company response to consumer: Closed with explanation