Consumer complaint received 2019-11-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (KS)

On XX/XX/2019, I was contacted by a company who identified themselves as a " contact entity '' named XXXX XXXX. They stated a claim was being filed against me regarding a pay-day loan I had taken out 6 years ago and the matter needed to be resolved immediately. The representative quoted the overdue funds as {$750.00}. According to XXXX XXXX, a letter had been mailed to my address 30 days prior to this call and I never responded.I was informed the matter would be taken to court if I did not pay in full that day. I diligently check my mail and I never received a letter. I requested XXXX XXXX email me the information. The representative stated everything I needed to know could be verified through him. He knew my former address, my current address and my ex-husband 's name. I reiterated that I wanted to see actual documentation of this claim before committing to any sort of payment. He transferred me to another representative. This representative became even more aggressive and interrupted me when I was in the middle of my sentences. She verified my mailing address, and she read my zip code wrong. I corrected her. At the time, I was shaken and did not realize the significance until I replayed the conversation in my mind later. She stated that, with interest, I owed {$1700.00}. I informed her that the previous representative quoted me {$750.00}. She replied an error had occurred, and she had presented me with the correct amount. I do not have this kind of money and I explained this to her. A negotiation of sorts began. She would have me state what I could pay, I would name a price, she would respond with " not acceptable ''. We settled at {$800.00}. She had to, because that is the maximum amount of money I have. She then navigated me to a payment website ( a separate entity who are legitimate ). I paid the amount. The invoice did not have XXXX XXXX listed. No company was listed, just an invoice number. I called the number for XXXX Services and the phone number rang once and stated " the mailbox is full. '' I called the payment number listed on the invoice. They stated they could reach out to XXXX XXXX. Who was XXXX XXXX? I noticed that in front of the actual invoice number were the letters XXXX, but that was the only connection I could make. I asked the payment center to provide me with XXXX 's phone number and they complied. That number, again, rang once and stated " the mailbox is full ''. On XX/XX/XXXX, I began calling all the numbers related to to this case. The numbers were either disconnected or the mailbox was full. I did a XXXX search on XXXX XXXX  - there is a company that does exist. However, they have a legitimate number. They also have their own website to make payments on. Even more troubling, their website has issued a disclaimer stating a fraudulent company is using their name " XXXX XXXX  ''. This disclaimer is in a red bold box that can not be missed to those who may be looking for it. 
On XX/XX/XXXX, I received an email with a document attached requiring my signature for the transaction to be complete.In addition, I received a voicemail in the morning stating an email had been sent. On the top right hand side of the email was an address and phone number. I used XXXX XXXX to see what this address looked like. While the location was an office plaza, the condition was appalling. However, I noticed there were suite numbers for all offices. The suite numbers included a letter and a number. There was not a suite number on my invoice. I called the phone number ( a different number from all the others ) to get the suite number. When the representative answered I introduced myself. She knew exactly who I was and began asking me about the documents. She didn't ask me to verify an invoice number. I began making inquiries and requested the full address. She said " 6 ''. I said I needed the full number and the exact title of the organization. She replied that " they '' have already contacted me. I asked her, " how exactly are 'they ' ''? She began to stutter. She tried to push it back on me. I can asked her who " they '' were. She said, " we will refund your money ''. By this time the credit card was already cancelled. I tried to ask more questions, but she hung up. When I tried to call back, the mailbox was full. I looked up the Statute of Limitations in my state is 5 years. This debt was attempted to be collected over 6 years later. Per the Fair Debt Collection Practices Act, the threat of taking me to court after the statute of limitations is expired is against federal law.