Consumer complaint received 01/29/2016 about Debt collection (Payday loan) with High Point Asset Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from High Point Asset on XXXX/XXXX/XXXX stating that they were attempting to collect debt 's from me. I did not answer since I did n't know the number. They called my mom 's and then I called then back. Was speaking to XXXX XXXX and got disconnected, called back and someone picked up and said nothing, called again and got XXXX XXXX at ext. XXXX. He said I owed a total of {$1800.00} for XXXX payday loans from XXXX and XXXX from XXXX, that went unpaid and that Capital interchange corp who bought my debt 's had hired High Point to call me. He had the last XXXX digits of my social and my bank account number. ( I no longer have that account as of XXXX ). I told him that I was positive that was not true. He told me that the company they were calling for that bought the loans, if I did not pay the debt, could either charge it off or take me to court or garnish my wages. I told him I never received a written notification of the debt, so he emailed me XXXX letters. I told him that if I could prove they were n't mine what to do. He told me that even if I could prove that I never received a deposit that the company wants the money and they could make me pay anyways. I told him that was fraud to collect money I clearly have proof that I do n't owe. He said it was my choice to pay that he was just notifying me. He also stated that if you apply for a payday loan then you are obligated to pay for it even if you did n't receive the funds, that in order to disconnect from the application there is a certain way that you exit out of it. ( Last I checked, you have to electronically sign for a payday loan and it records your IP address. ) Once I received the letter 's I found it odd that my current address was on them. In XXXX and XXXX I lived in a completely different state and my current address did n't exist ; it was pasture land.The letter 's stated that I have 30 days from the date of notification to respond/dispute the validity. SO I told him that I was not paying anything yet and that I was going to pull my back statements to verify if I owed the debt 's but that I was positive I did not. I also told him the XXXX from XXXX I did take out, but I have the receipt verifying that XXXX was paid off. He said he would put a 30 day hold on my account and we hung up. A few hours later got a call from High Point from a different number stating I needed to contact them that they were handling a debt. XXXX same message, but I had 72 hours to contact them or they would move forward and all attempts were being documented. XXXX same message, but with 48 hours. XXXX same message, but with XXXX, and again XXXX same, but only had until XXXX. I did not call them back or answer the phone on these call 's because I already spoke to someone and I have proof that they were giving me 30 days. I received my bank statements for XXXX and XXXX. XXXX, The only deposits that were made were member deposits ( money that I or my husband at the time went in to the bank and deposited ), my salary direct deposits, and XXXX loan deposit ( not sure what it was from or who initiated the deposit, me or my former husband ). Which the loan deposit was not on a date that any of the payday loans were supposedly deposited. And again, I have my receipt from the XXXX in XXXX showing paid for. I am mailing a certified letter with all bank statements and a letter stating to stop calling me and my parents today. I fully believe this is a scam since I know for a fact I never received a deposit and there are numerous complaints on the XXXX website about this company regarding the same exact issue I am having. I was married during XXXX and XXXX. My married last name is XXXX. Went back to maiden name in XXXX. I am submitting the letters from High point, my bank statements covering those dates, and receipt and statement for the XXXX XXXX that was paid for.

Company response to consumer: Closed with explanation