Consumer complaint received 2022-09-20
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Wednesday XX/XX/XXXX at XXXX XXXX  I received a call from a private/unknown number and a person named " XXXX XXXX XXXX left a message stating " this is your final notification in regards to the delivery of your certified documents. I will be making several attempts to reach you at your residence or place of employment today, between the hours of XXXX XXXX XXXX XXXX. If I am unable to reach you at either of these locations, I'll have no choice but to document this as a direct refusal to sign. If you have any further questions or concerns or need to reschedule prior to my arrival today, you may contact the filing party 's office directly at XXXX, and refer to your file number XXXX. XXXX XXXX, you're officially been notified... '' On Thursday, XX/XX/XXXX at XXXX XXXX  I received a call from the same person mentioned above from a private/unknown number with the same message mentioned above. 

On Thursday, XX/XX/XXXX XXXX along with a family member contacted the XXXX phone number to identify who is calling and the purpose of the calls. When I called I initially spoke to three people XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person whose name I cant remember. They stated they are " Conflict Resolutions Center '' located in XXXX, TX and that the call is in regards to arbitration for an outstanding debt involving a cash advance loan I obtained in XXXX from XXXX XXXX. I am not aware of XXXX XXXX, however, around this time I did obtain a cash advance loan for {$300.00} from Greenline Loans. I was told they are not a debt collector but were hired by XXXX XXXX to arbitrate the resolution of the outstanding debt. I told them I thought their calls were unusual for ( 1 ) why does someone have to come to my home for me to sign documents, why not have XXXX, XXXX  or USPS send the documents, and ( 2 ) if they are calling about a debt they are acting as a debt collector and they did not read me my Miranda rights. They stated they did not know who XXXX XXXX is, that she is likely the courier Stonelake Lending hired, and that Conflict Resolutions Center is acting as an arbitration unit. They stated in the cash advance terms and conditions I agreed to arbitration. They also stated my debit is in a " malicious status category '' because when they attempted to withdraw funds from my account, my account was reported closed. I told them to NOT come to my home, and they became belligerent and argumentative stating THEY WILL. I told them their behavior is illegal and harassing. I told them they violated several laws and that I would report them to the CFPB. Lastly, on Thursday XX/XX/XXXX at XXXX XXXX  after speaking with them, they called again but I did not answer, and they left the exact same message they left before. No one showed up at my house and I have not received any more calls from them. 

Please investigate and fine XXXX XXXX and/or Greenline Loans for engaging in harassing and illegal tactics to collect a debt. In addition, I would like to receive monetary compensation to the maximum extent of the law. 

SIDE NOTE : Per the companies ' websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) both of these entities, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX are XXXX AXXXX XXXX XXXX  by XXXX XXXX XXXX XXXX of XXXX XXXX In addition, when I researched the aforementioned phone number and Conflict Resolutions Center, the search did not yield any conclusive results. I am under the belief the phone number they used is some burner number and that Conflict Resolutions Center is fake. I believe that the actual cash advance company ( ies ) were contacting me and feigning to be 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation