Consumer complaint received 2017-11-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (OH)

Complaint:
I have received no less than 20 calls from Forward Management Recovery, XXXX. The voice mail states that " XXXX '' is attempting to trace an individual who has a personal debt to resolve. I dialed the number and was connected to an individual who identified as XXXX XXXX on XX/XX/XXXX. XXXX asked if I was ( my name ), and I confirmed that I was. She asked if the last 4 digits of my social were accurate, and I confirmed and asked what she was calling about. She said that the call was being recorded for training purposes, ONLY. There was no mention that the was an attempt to collect a debt. She said that she was calling in regards to a case of fraud being filed against me because in XX/XX/XXXX I took a loan out from a company called XXXX XXXX XXXX XXXX, and owed a balance of {$120.00}. She said I made several payments on account ( the account number she provided ) but did not fulfill my contractual agreement. I denied taking a loan from this company as I have no recollection of this event, and asked if she could provide me written documentation. She confirmed my email address, which was accurate and my in-laws home address, which I made clear was NOT my address. She did n't ask for an accurate address to mail the materials which I found to be interesting since she was " tracing '' me. I asked if there was a phone number listed for XXXX XXXX XXXX XXXX, and she told me since its online there was no phone number. Interesting. She proceeded to tell me to contact XXXX at XXXX, and I was unsure what that had to do with anything, and I asked the affiliation to no avail. I told her I would wait for the paper work to be sent to me ( she did n't give me a date to expect ) and would contact these companies she provided. I asked if Forward Movement was BBB accredited and she told me no because it cost to be a member, but they respond to all claims. This issued even more red flags. I disconnected the call without her even asking me to pay the debt, and immediately checked my credit report. No where on ANY of my credit reports does this debt show, nor do I have a record in my email. I searched for XXXX XXXX XXXX XXXX, and yielded no results, there are similar companies, but nothing with that business name. I think called XXXX at XXXX and was immediately asked for my full social, which I declined to provide. The woman was quite rude saying well why are you calling me then. I was in shock. I explained I received the information from XXXX XXXX at Forward Movement Recovery, and she said she has no clue who they are, and with my first/last name she does n't EVER show me having any sort of account with their company. I called Forward back and was directed to XXXX. I explained to XXXX that it was me calling back ( an hour later ), and asked what I owed. She immediately said {$120.00} without verifying my account or anything. I explained I do n't show this on my credit report, I called XXXX and they do n't have anything, and I cant find the other company. I let her know that I had n't got the email yet, and she said " well I told you we only have 1 admin and she will get it out first come first serve ''. I was breathless by this statement! I let her know I would be contacting the FTC, BBB, and OH AG, because I 'm being accused of fraud and not abiding by a legal contract. I asked for the address so I can send a formal request in writing for my number to be taken off the calling list. She said there is no call list and she advised I call the local police if I think its fraud. This seems predatory and there are multiple things wrong with the business practices. There have been SEVERAL calls placed to me AFTER XXXX EST, and I am being threatened with a lawsuit over {$120.00}.

Company response to consumer: Closed with explanation