Consumer complaint received 2017-03-19
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Miller, Stark, Klein and Associates (GA)

Received a call from a XXXX which showed up as being something Medical, I did not answer and they left a voicemail stating that they had claims that were going to be filed against us unless we contacted them immediately. When I called back I was confused as to what was going on because the lady mentioned something about a car that we once had that had been reposssed back in XXXX. I told her that we did not owe any money on the vehicle and she wanted to know if I had a letter that stated the debt had been paid in full and resolved. She kept threatening legal action and when I told her I had to discuss all money matters with my husband she snapped at me saying that the debt was also in my name and that they would persue me in the matter. She said that the car was repossessed in XXXX and I told her no that was incorrect and that it was in fact in XXXX, she then said no it was XXXX and I told her no I know exactly when it was done and that it it was in fact XXXX. She told me ma'am I am just going off of the information I have here ... well if that was the case why did she keep saying different years other than when it had actually taken place. Also she made it out like she worked for an attorney 's office and that they would make us appear in court and that we would also have to pay legal fees on top of the money we owed on the car. I asked for time to discuss the matter with my husband who works night shift and would not be up until XXXX & I would be in touch on Monday and I was told No that I had until XXXX that day to call back and I told her that I really had to have time to discuss it with my husband because he was in charge of the bills because I had experienced a XXXX that had affected my ability to make sound wise decisions on my own. She did n't care she told me it was my responsability as well and she wanted an answer because she was just going to move forward with the case and that there would be a judgement against me. I told her again and she brought up a supposed conversation with me that took place supposedly on XXXX XXXX, I do NOT recall having ever spoken with anyone in regards to this. She insisted that I had told them told them I wanted to take care of the matter and have it resolved and that it was on file, ( I guess its just the same as the year that she said was on file for the repossession as well ... which she kept changing and I had to keep correcting her on. ) She also told me that they were members of the BBB and I needed to do my research into them. I did the research and found out that they are in fact NOT associated nor are they members of the BBB and there have been numerous complaints against them. I have also NEVER received anything showing that we owe anyone any money on the car nor is there anything showing on our Credit regarding any amount of debt still being owed. ( This is appears to be either a scam or an attempt to pressure through misrepresentation and threats of legal action on a debt that is beyond the statute of limitations now. ) She told me that if we were ever planing to purchase another vehicle or home that it would hender us from being able to do so. Not only did she misrepresent herself she did not ever disclose that the communication was an attempt to collect a debt, she just kept talking about a claim that had been filed with her office and that she was prepared to move forward with legal action against me. ( To this day there still has not been anything that would show proof of such debt being owed. )