Consumer complaint received 2022-09-03
Company: CashMax LLC
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX my brother 's ex-wife, my wife, and I were contacted by XXXXXXXX Active Debt Buyer saying I had a debt owed to Boost Finance an online loan company for {$550.00}. I told XXXX and XXXX that I have never applied for a loan with Boost Finance. They proceeded to tell me that this was not their problem and that I would have to track down or file a complaint/report of Identity Theft. All the mean time they wanted to serve me papers for a fraudulent account. I spoke to XXXX several times of which she hung up on me when I begin to question here who created the debt and who they bought the debt from. She would not tell me as she only wanted to confirm my address to serve me papers. I did observe a white male on my ring camera trying to serve me documents. Fortunate for me I was not home at the time. So, over the next two days XXXX called repeatedly stating they were going to turn me over to a collection agency if I did not pay the {$550.00}. XXXX tried to get me to pay over the phone. Stated if I paid over the phone the debt would be closed and they would not contact me anymore. I final get her to tell me who they brought the debt from. XXXX XXXX XXXX where I spoke with XXXX XXXX XXXX XXXX EXT : XXXX ). She told me they got the debt from Boost Finance and the Loan # XXXX was for {$400.00} created on XX/XX/XXXX, from an email of XXXX. That is my wife 's maiden name of which this email has been used several times over the past few years to open fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX, Purchase XXXX XXXX  that was delivered to our house, Credit cards with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the list goes on. Neither may wife nor I have ever had an account with XXXX. My wife and I called her uncle in CA whose wife 's name is XXXX XXXX and we came to find out her work email account had been, and they have never had a XXXX account either. I am asking that this agency contact XXXX and have them trace, flag, the account for fraudulent activity and report the person the authorities for prosecussion. We had to contact XXXX XXXX as well. Spoke with XXXX and XXXX of which both confirmed neither my wife nor had an account with XXXX XXXX. XXXX XXXX did give me a Routing # XXXX and Account # XXXX. XXXX XXXX  confirmed they use a nine digits routing number and that the account does not exist. XXXX XXXX to me to go to the police and file an Identity Theft Report and I did ( XXXX XXXX XXXX ). I called XXXX XXXX back ( XXXX XXXX XXXX ) and stated she would notify Boost Finance  and XXXX that the account was fraudulent and not to contact my family or I again. XXXX XXXX told me to have XXXX bring documents to the police station so he could put them in the report since I have never to this day received any documents from Boost Finance about the account. Also, of not Boost Finance does report to the Credit Agencies so when I got my credit report this inquiry never showed up. My resolution is that Boost Finance be shut down or fined heavily for bad business practices and XXXX be fine for not verifying the debt they are purchasing as well as threating and harassing people and their families.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation