Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Hewitt-Capital (CA)

Having issues not with XXXX XXXX XXXX but with the third party collection agency who acquired my account by the name of XXXX XXXX XXXX. By all accounts they are not adhering to the FTC obligations and calling me, threatening to take me to court and stating they will garnish my wages. I am enclosing my correspondence with XXXX  yesterday about the telephone conversation I had with the collector, who not only called my work number, but home and cell. Also, got a verbally abusive call this morning with the same individual on my cell phone. Not receptive to having a civilized conversation and very abusive on the phone. 

Below is their response to my email on XXXX and following that is my initial email to them with the complaint about the person at Hewitt. 

Thank you for contacting XXXX XXXX XXXX, your account is no longer with XXXX. Your account was sold to XXXX XXXX XXXX XXXX. Because we no longer own the account you will need to contact XXXX  to discuss your account. The calls/emails you have received threatening legal action or any other correspondences were not from an XXXX XXXX XXXX representative. XXXX XXXX XXXX does not engage in or condone such practices. We have sent your email to our Buyer to review so that when you call you can discuss your complaint. 



Loan Number : XXXX Balance Sold : {$310.00} Should you have any questions please feel free to call XXXX XXXX XXXX @ XXXX Thank you, AMT Department XXXX XXXX XXXX The contents of this email are intended only for the recipient ( s ) listed above. If you are not the intended recipient, you are directed not to read, disclose, distribute or otherwise use this transmission. If you have received this email in error, please notify the sender immediately and delete the transmission. 









From : XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/ XXXX XXXX To : cct XXXX Subject : Re : There is a problem with your payment// ref XXXX Hello, Just got a call ( at work ) from a XXXX at Hewitt Capital ( in Texas ), stating that he is representing your company to collect the outstanding debt with XXXX. He stated that he has documents that need my signature and he was sending someone over to serve the papers at my place of work which would in turn start the process of setting up payroll garnishment. He also stated that he has attempted to give me these documents at my home address in one message, the other message was that he sent them through the U.S.Postal Service and I did not sign for them. I told him that was not an accurate statement because if something would have been sent via U.S. mail, the postman would have left a notice. 

Not sure who this person is and how he got all of my information, but I asked him to email me correspondence related to our conversation ... this was two hours a ago and I have not received anything, not in my spam nor in any of my filters in my email ... funny thing though ... he had my email address and place of work and my residence ... skip tracer? I don't know. 

I logged into my portal with your company and see that I do have an outstanding balance ( for the reference number XXXX ). The amount on your website is different from the amount he told me I owed. I also told him I do not give out credit card information over the phone because someone can be impersonating a debt collector and that is not something I am willing to do. 

I am writing to you today to make certain that first, you are aware of the communication with this individual, ( or someone who may be representing your company ) and secondarily that I do intend to satisfy my debt but I will not engage in telephone conversations without proper channels and paperwork to support the request of payment. 

Thank you for your time. 

XXXX XXXX