Consumer complaint received 2015-09-23
Company: United Debt Holdings, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX, for XXXX XXXX XXXX XXXX XXXX, Tx called my sister-in-law at XXXX ( pst ) and told her they were going to arrest me for felony check fraud. She called me with the number he gave her ( this is the first time i 've heard anything about this account ) and i called him directly at XXXX. He answered the phone I told him who i was and then he said " ah, yes, XXXX XXXX we have your info right here. If you do not pay us {$1200.00} by XXXX we are going to issue a FELONY WARRANT for your arrest in XXXX County Idaho. '' I asked him what company he worked for and who he was collecting this debt for and he refused to say. He also refused to give me the account number of said debt. He told me that the debt collector he worked for had a " no contact order '' against me and that if i tried to contact them it would be harassment so not to bother. He offered to take a down payment of 60 % and payments for the remaining amount. He told me he 'd give me until XXXX ( pst ) to make payment arrangements and if he did n't hear back from me by then he would process the warrant. I asked why i had n't been notified about this sooner and he said they tried but got no answers to the letters sent. I asked what address they had for me and he refused to answer. I told him that if this debt was mine that I had no problems taking care of it and then asked to have new mail sent to the proper address so that i could verify if it was real. He said he could n't mail anything cause it would take too long, i then asked for an email of proof of debt. He took my email address down and did email me a letter. ( It 's really fake looking. Like a child could type up this letter kinda thing. ) He told me that if i wanted to avoid 90 days in jail that i would take care of it right now while on the phone with him. I told him I had to make some phone calls first before i could pay it in full if it was a real debt i owed. He told me that when i called him back that he would transfer me to the right person so that i could make payment. I then asked for that persons direct number and he refused to give that to me as well. I called my local sheriff 's department and they assured me that I would not be arrested for this and that this was just another scam and not to pay. I also called the original debtor and spoke with their collection department. I do have a debt with them and they transferred it to United Debt Holdings in 2013. She also went on to say that what XXXX XXXX was doing was illegal and that it was a scam and not to pay them a dime. She gave me the number to United Debt Holdings and told me i would get a voicemail and to leave a message. I did so after getting off the phone with her. They have still not called back. This XXXX XXXX was yelling at me and telling me that he 's just a messenger and not a debt collector but yet he 's asking me to pay money so now i 'm confused. He was very rude and refused to give me any information that a normal debt collector would have. I have witnesses to this phone call as well. I put it on speaker phone for my neighbor to hear just in case this was real.

Company response to consumer: Closed with explanation