Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Capital Link Management, LLC (MD)

XXXX XX/XX/XXXX we signed up for XXXX in our home for services. After about a year of having the service we requested to end the services with XXXX. We were informed by XXXX that according to their contract if we ended services early we would still be required to pay for the entire contract even if we no longer used the products. They also informed us that we were outside of ability to cancel the contract which was 30 days after signing the contract. That didnt allow us to We informed them that we would not pay for the entire service if were not using it. They reached back out to us and stated that we could pay a lower rate for services but would need to sign a new contract for 2 years. We informed them that we wanted out of their contract however they refused to let us out. Now we are in XXXX and received a letter from XXXX XXXX XXXX dated XX/XX/XXXX requested a payment for debt and a phone call from XXXX XXXX from CLM ( Capital Link Management ) stating that I owed debt to them. He reported following on the voicemail on XX/XX/XXXX at XXXX XXXX  : " Hi this message is intended for XXXX XXXX, my name is XXXX XXXX and I'm with the legal division here at CLM and I'm just trying to get a legal notice out to you XXXX and its going to be in regards to a petition of civil judgement as well as garnishment these issues are both currently pending issue at the moment. So its imperative that you seek either yourself or a legal representative attorney on your behalf so that I can help you avoid the claims from being filed. I just need a return phone call from you immediately its a time sensitive matter.. the recorded action could be taken immediately. If you do wish to resolve this on your own terms. With all this being said the number in whcih you can reach me at is going to be area code XXXX thank you ''. I called back the agency following the voicemail and requested that they cease all phone calls to myself and my family. They are to immediately only send me items in writing to my home and the address that they have on file. On XX/XX/XXXX at XXXX XXXX. He called back again and left a voicemail stating the following : " XXXX XXXX its XXXX XXXX with the legal division here at CLM you have had..you have had notices sent out to your home address over the last couple of years since the charge off date, umm theyve all went unreplied to and unnoticed so I do need a callback from you to discuss this matter over the telephone umm my number to give me a call back is XXXX. '' I called back to XXXX XXXX and informed him of the FDCPA laws and the request that no phone calls be made to me. He stated that he needed to verify who I was before he could put in the request. He also stated that his company was a mediator for the law office of XXXX XXXX Solutions. When questioning him if he was an attorney he refused to answer. I then asked him if he was stating that XXXX XXXX XXXX was a law firm in which he stated yes and that garnishement would follow. He then reports that there were many individuals who were seeking help from them and if I didnt want to work with them they would send it back to their law office and sue me and begin the process for garnishement. I informed him to send it back to them. Following this phone call I called XXXX to ask about these practices. XXXX informed me that they sold the debt to XXXX XXXX XXXX and that they were unable to speak about the issues. There are now two debt collections calling me and my family in reference to XXXX and their illegal contract practices. The letter from XXXX XXXX XXXX also does not list that I can get a verificaion of debt or any other dispute regarding the debt.