Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC (GA)

On Thursday, X/X/17, I received a call from an unknown number with a male stating he was on the way to deliver legal documents to my home. I asked him who he was and who is the company that I owe. The male stated he did not have that information and that the only number he was given was a case number XXXX and phone number XXXX and that I needed to call them as soon as possible to resolve it. Once I called the number a woman answered the phone and I explained to her that I was not aware of any debt collection agency sending out court documents to sue me and that I have not received any documentation in mail and that I need something in mail or I wo n't be paying anything. The woman started to get very defensive and rude and stated she 's trying to help me and she would be transferring me to her manager which is the director. Once I spoke with the supposedly manager, he started to tell me that the company is assigned to my jurisdiction, he also said he will notify the county clerk 's office if I cooperate voluntarily. I proceeded to ask him the name of the company and to send me a validation letter in mail but the male refused to send it. Instead, he stated he could send me an email and that the previous representative will be providing me with the information. I told the manager that I will not pay anything until you can provide legitimate proper documentation of my debt with you and that I needed the name of the company. At this point, the " manager '' asked if he could place me on hold and never returned to the phone after I waited 10 mins I hung up. After an hour passed I checked my email looking for the documentation the manager stated he would email me, but never received it. I called the number back to get the name of the company which is called XXXX XXXX XXXX then I hung up. I contacted the total XXXX credit card which is the company that I owe and they were not familiar with the company and they told me that they no longer have the account and that Jtm Capital Management has the account. Once the representative provided me with the number for JTM Capital Management which is XXXX XXXX XXXX XXXX a representative then asks me for my social and date of birth and then tells me that the company has a partner company who is actually handling it called XXXX XXXX XXXX XXXX XXXX XXXX. Once the representative tells me this I am very frustrated and leery at this point because no one is able to provide sufficient documentation. I ended up contacting the number and a male answers and I explain to him what is going on and that I need to find out who has taken over the account and request a letter in mail stating I owe the debt so that I can resolve it. The representative stated that the department that I have contacted can not send out any letters because it has already been sent out to the address they have on file. Finally, I explain that I have not received any debt collection letters from them and that I needed to find out who has the account so I can take care of it. The male then states that he has numbers I can call who " might '' have the account but if I want to just take care of it I can pay with him. Once the representative suggest I pay him I ask him for a letter in mail and for the numbers he was going to provide to me, but the representative becomes rude and defensive and states if I 'm going to talk to him like a child he 's going to disconnect the call and that he 's trying to help me and then he disconnects the call. I tried contacting both numbers back but instead receive a voicemail. I was only able to reach the first number out of the three numbers I was provided and I told them not to contact me again and what they are doing is against the law. The lady who answered laughed and said " that 's not how that works '' and that will be summoned to court then hangs up. I am very disgusted and upset that these sick people would try to extort money from me by using scare tactics as far as threatening to sue me. I am ill at the moment and on XXXX XXXX XXXX and I do n't appreciate this and I plan on taking the next steps to insure that the proper actions are taken against these sick individuals.