Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chaplain Financial Services LLC (CA)

The first phone call took place on XX/XX/XXXX. I have very extensive notes on all of these calls including the times they took place. I made the notes as soon as possible after the calls. In this call I did n't catch a the name of the person I was talking to or the company name. The person was saying that I owed a debt for a check loan taken out in XX/XX/XXXX. I said that was impossible. I know that I did n't. He said that it was n't his job to remember my debts and demanded that I pay or it would be escalated to have my wages garnished and a judgement put on me. I said I did n't owe this debt, started to ask questions, got angry and he hung up on me. 2nd phone call was XX/XX/XXXX at XXXX XXXX ( I know its not legal to call at that time ). It was a message left by XXXX XXXX with XXXX XXXX XXXX. It came from a GA number. He left a UT call back number saying he needed to verify that I wanted this to proceed with legal action. He mentioned something about needing info for " skip tracing '' purposes ( I have this message save in my phone, along with all call times ). He said to call back before the end of the day or they would be proceeding with legal action. He left an account number. 3rd call was me calling back on XX/XX/XXXX a few hours later. I received the voice message of XXXX XXXX. I said that it was my wedding day and that I would not be getting back to him that day and would not be responding to any more calls. I demanded he send a validation notice and all information relating to this debt to my home address. I provided my address for the first time and told him if there were any summons served, I would like it to be sent to my home address. the 4th call was from XXXX during my wedding later that day. It went to VM. No message was left.
The 5th call was made by me to XXXX XXXX at XXXX XXXX on XX/XX/XXXX.  XXXX XXXX said he was not obligated to send anything to me regarding this loan other than a statement saying it had been paid in full. He gave me the original creditor of XXXX XXXX and when I said that I had paid off all my debts a while back, and I know I did n't have a check loan in XX/XX/XXXX, he changed the story to it being about a bounced check charge and legal fees incurred trying to collect. I asked again for information about this debt be sent to me and told him I would need time to investigate it. He said if I did n't pay {$400.00} that day, or {$120.00} a month for 6 months that he would be sending this forward for legal action. I asked about him calling before XXXX XXXX and he hung up after saying good luck with the legal proceedings. The 6th call was at XXXX XXXX of the same day. I called and asked a secretary for the address of the company ( XXXX XXXX XXXX XXXX XXXX, GA, XXXX ) and their website ( cfservicesllc.com ). I asked for more info and she hung up. The 7th call was XXXX XXXX. I called and was forwarded to XXXX XXXX. He did n't answer the call. I left a message requesting the bar number and attorney names of the attorneys attached to his mediation company. I also, again, left my address twice, clearly and demanded that all info regarding this be sent to me including any sort of summons. The 8th call was XX/XX/XXXX at XXXX XXXX ( Recorded in my phone. Once again illegal ). I picked up on the blue tooth in my car. My wife was in the car. XXXX XXXX said that he no longer had my case and so he would n't be sending me the information requested. I asked where it had been sent and he did n't answer. I asked again and he did n't answer. I asked a third time and he said " do n't act like you do n't know what we have already talked about ''. I said that no, I really had no idea where he had sent the information and that he was still bound to send me the information as when I requested it, it was still in his possession. He hung up. All of this was in front of my wife. I 'm not a lawyer but I am pretty sure there are multiple things wrong with this. I think these people are scammers, I think they are bullies, and I think they are breaking debt collection laws even if this was a valid debt. If XXXX calls, just hang up and call a lawyer. They wont give you any information and just demand that you pay.