Consumer complaint received 2020-08-19
Company: BTH Management
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been getting phone calls on my personal cell phone and at my place of business, but no one leaves a message. Today, XX/XX/XXXX, I tried to contact the phone number on my caller ID to see if who the person was that continued to call on a daily basis and to see if I could resolve why they were calling and to cease the calls at my office in order to prevent getting fired. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) and a voicemail message told me I had reached the desk of XXXX XXXX. I left a voicemail message for the person to call me back. XXXX returned my call on XX/XX/XXXX at XXXX XXXX. First, when I answered the phone, she never disclosed the company she worked for or said if she was recording the phone call. I had to ask who she was and she explained she works for XXXX XXXX and she works for legal and the original creditor is XXXX. She told me the amount of the debt owed and I acknowledged I know about the debt ; however, I explained I couldn't pay it in full today but was interested in settling this debt with a payment arrangement. I explained that my husband is out of work and he is not collecting unemployment so I am the only household member working. She said this is excuse and she wouldn't accept it. She told me I could set up a payment arrangement of {$200.00} per month to be paid to her directly. I told her I couldn't afford {$200.00} a month, and asked if we could discuss what I could afford. The woman wouldn't permit me to talk. She was talking over me and was threatening that if I didn't handle this, she was going to garnish my wages up to 70 % of my paychecks. She asked how XXXX was going to feel about this and I asked her what was she talking about. She said who is XXXX XXXX to you? I told her she is my co-signor on my car loan. She said she was going to call her after our phone call. She also said she had the power to get my car loan rescinded and they'll repossess my car. She said she could do this because I bought the car in XXXX, XXXX right after I took the loan out. I corrected her and said I purchased the car in XXXX, XXXX. She would not permit me to talk and said I was becoming agitated and refused to speak with me and she was just going to have to send a summons to me and hung up the phone. I ran to my husband in another part of the house and was crying because I was afraid. The impression this woman was giving was she was going to call my co-signor and continue to call my work and make my life XXXX until I paid this debt to her. When I was trying to explain this conversation to my husband, she called my cell phone again at XXXX XXXX and my husband answered for me. The woman asked who he was and he said he was my husband and that I had asked for him to speak with her. She asked what my last name is and he told her. She said according to my Social Security Number, I am not married and she refused to believe he was my husband. He hung up on her when she continued to argue with him. She called my phone again at XXXX XXXX and I sent it to voicemail. She then tried again at XXXX XXXX and again, I sent it to voicemail. Then she somehow got my husband 's cell phone number because she called him and continued to argue with him that she was going to take legal action against both of us. He told her she was using illegal tactics to collect a debt and he asked for her information and told her to cease and desist in the communications and she hung up on him. I have now blocked the number on my cell phone, but I am still at the mercy of them exposing my personal business by calling my office. I am scared now. I fear that my employer will fire me for the excessive phone calls on our office phones. I fear they have the power to have my car taken.

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