Consumer complaint received 2017-11-19
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: Critical Resolution Mediation LLC (VA)

On Friday morning, XX/XX/XXXX, a representative from Critical Resolution Mediation ( CRM ) left an explicit voice message for my tenant stating that CRM needed to contact me re : allegations in their fraud division. The message went on to cite the last 4 digits of my SSN and further stated that my SSN has been compromised within our office ( whatever that means ). The message ended with you have been officially notified. When my tenant called CRM, the representative was extremely rude according to her husband who subsequently called me around XXXX XXXX. As I had no idea what this was about, I called the number provided by my tenant and the person who answered refused to identify their name or company so I hung up. The same person called me back 5 minutes later and addressed me by name ( they had my phone number all along ) and proceeded to threaten me with legal action that afternoon that would result in legal fees, law officers rousting me at my home, suspended driver license, etc. The word fraud was mentioned numerous times. At that point I demanded documentation and the representative said they would provide it via email in an hour. CRM sent an email and attached a generic letter that cited the debt amount from early XX/XX/XXXX owed to an electronics store. After I called the representative back, she demanded that I wire the indebted amount plus an additional {$1000.00} for miscellaneous fees immediately or legal action would proceed that afternoon. After she provided their bank, address, routing and account numbers, I said Id contact my bank and get back to her in an hour. At that point, I XXXX CRMs company name and saw a multitude of complaints, violations and law suits. Also, The XXXX BBB website states that CRM had threatened folks for debts that didnt exist or had never been in arrears ( XXXX balance ). Later that afternoon, The representative left additional threatening voice messages on my phone. 

I just want it noted that leaving a vicious voice message for my tenants was an egregious abuse since CRM had contacted me previously at my current cell number. This was strictly for harassment and intimidation purposes. Also, CRM must have performed some sort of trace to get their number. 

I also want to note that CRM has NEVER sent me ANY correspondence or documentation and has only contacted me via phone to make threatening phone calls regarding a non-existing debt. 

The following items appear on a prominent XXXX law firms website regarding CRM specifically - Consumers filed five complaints communication tactics. That included : four complaints threatened to take legal action ; one complaint called after sent written cease of comm. 
( CRM threatened me with immediate legal action that afternoon ) Consumers filed three complaints about their disclosure of verification of a debt. That included : two complaints that consumers were not given enough info to verify debt ; one complaint not disclosed as an attempt to collect.

( CRM has never provided ANY documentation despite my having requested it in XX/XX/XXXX and providing my address ; I have never received ANY dunning letters or other mail from CRM ) Consumers filed three complaints taking/threatening an illegal action. That included : two complaints threatened arrest/jail if do not pay ; one complaint threatened to sue on too old debt. 
( CRM stated that legal action was about to proceed to prosecute my fraud and that I would be subject to law officers knocking on my door and suspension of my drivers license ) Consumers filed two complaints that Critical Resolution Mediation LLC made improper contact or improperly shared their info. That included two complaints that they contacted a consumer after being asked not to.

( CRM left an explicit message on my tenants phone, citing my SSN and using words such as allegation, fraud, legal action, etc. ) Consumers filed one complaint about cont 'd attempts collect debt not owed. That included one complaint that debt is not client 's. 
( I went to the electronics store today, and the manger informed me that they showed no account information for my name and phone number. Also, the only notation on my credit report as pulled 3 weeks ago re : this electronics store was a XXXX-balance entry for an installment account in XX/XX/XXXX - XX/XX/XXXX ) Consumers filed one complaint false statements or representation. That included one complaint impersonated an attorney or official.