Consumer complaint received 2017-06-14
Company: Chaplain Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received an automated call on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   EST from  XXXX . The automated message recording fro m Chaplain Financial Services, LLC  stated that they are going to serve me court papers at my home address or my work address and if they are not able to reach me at work that they would leave the court papers with my Supervisor. The recording also threatened that they were going to call m y Human Resources De partment as well as any references that I provided. In the recording it stated that if I want to stop the papers from being served I needed to call  XXXX  and settle the debt immediately. I called them back at  XXXX   XXXX  EST at the number they provided because when you call back the  XXXX  if just hangs up on you. When I called  XXXX  I spoke with a  XXXX   XXXX  who stated that I owed a company called  XXXX   XXXX   XXXX  from  XXXX  in the amount of {$2700.00}. I advised her I did not take out any loan from a company by that name. She then threatened me with stating they have my employment info ( which is old ), my bank account info ( which is old ) and named off some people they called my references that they were going to call  XXXX  their names were all botched and not even correct ). I advised  XXXX   XXXX  that I have never received anything in writing from them and to please send it to me. She stated she could only hold the file fo r 24 hours oth erwise they would take action. I advised them to do whatever they needed to do on their end but that I was not resolving anything with them. I asked her to please not call me or any " so called reference '' or my employer anymore going forward and to only contact via mail. She stated that she was not able to accept my request and it does n't work that way that I will continue to get called. I hung up the phone. I called back later that afternoon at  XXXX    XXXX   EST after doing some research on my end and got  XXXX   XXXX  once again. I asked her what the account number was to the original debt that they are trying to collect on.  XXXX   XXXX  then stated they did not have that information and that I actually had  XXXX  unpaid debts in their office that looked like online  Payday  loans. I advised her that was not what she advised me on our previous call at  XXXX    XXXX    EST. She now stated I owed {$600.00} to Compass Capital, {$1000.00} to  XXXX   XXXX , {$400.00}  XXXX   XXXX ,  XXXX  and {$260.00} to  XXXX   XXXX , all companies that I have never heard of or done business with in the past. I again asked for the original creditor information. She stated again that she did not have that information and that these were the companies coming after me. I advised her those  XXXX  supposed debts she named out do not even total the amount she gave me in the previous call at  XXXX    XXXX   EST of {$2700.00}. These  XXXX  alleged debts added up to {$2200.00}.  XXXX   XXXX  stated the difference of {$530.00} is late fees, etc that they are charging me. I advised her again, none of this was making any sense and again to NOT contact via phone going forward in regards to this matter.  XXXX   XXXX  once again stated that they would not be able to accept my request of no contact and put me on a prolonged hold. I then disconnected the call. Today,  XXXX / XXXX / XXXX , I received another threatening automated message at  XXXX    XXXX   EST stating exactly what it did the day before. I never have received anything in writing regarding any of this, they can not provide details of the debts and these people working for this company named , Chaplain Financial Services, LLC need to stop as I have requested.

Company response to consumer: Closed with explanation