Consumer complaint received 12/24/2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (RI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from " Oracle Financial Group '' at number XXXX, on XXXX XXXX, XXXX I, spoke with XXXX XXXX she said I owe {$600.00} for a payday loan I took out in XXXX. XXXX XXXX said I would be given time to research my debt, I told her I did n't owe a payday loan, then she gave me a number XXXX to " XXXX XXXX, '' whom she said passed the loan to her company and would have info on the original loan. The next day, I called XXXX back because that number did not work. I asked to speak with the manager and spoke to XXXX XXXX, I was told that paperwork had been processed and, I would be given a court date by the next day if I did n't settle the dispute for {$500.00} that day. I repeatedly asked how is this being processed so fast as, I was just made aware of the situation the day before, and was told I would be given time to research the loan. I was given another number at XXXX to call to see whom I owed a payday loan to. I called, and got a voice recording that I was contacting the " XXXX XXXX XXXX XXXX '' and, after entering my social I was given the message " Sorry we can not locate any records. '' I then called Oracle Financial Group and went back and forth with XXXX XXXX for about XXXX minutes as to why I did n't owe a payday loan. XXXX XXXX then called me from number XXXX, she claimed I owed the payday loan and had to pay now because they were closing or else there would be consequences, we were on the phone for another XXXX minutes. I also complained to XXXX XXXX that I had received no notice until the day before and I was brushed off, she kept stating she has no idea where the loan came from and, now that it 's in her hands I had to pay that day or I was going to court. I was bullied into paying {$500.00} on XXXX XXXX, XXXX, over the phone in order to avoid a court date. I then complained to XXXX XXXX that she may be hearing from a lawyer and, that I will be looking into getting my money back because what she was doing was wrong and I do n't owe on a loan, she stated " Oh no, '' in a sarcastic tone and that was the end of our conversation. I received general information about the transaction from XXXX XXXX but I was told I would receive an official receipt in my email from " payscout '' and, that I was to sign it to make it official then email it back. I never received a receipt from her so I emailed her on XXXX XXXX, XXXX asking for the receipt and I still never received anything. I 'm in the military and go away sometime, so I checked at my old and new address to see if I may have received a warning letter about paying the payday loan, but after I had time to research I found I had received no notice. I went further and requested bank statements from XXXX from my bank, which took a while, but when I got them I found I never took out a payday loan in XXXX. I 've taken out XXXX payday loan in my life and that was in XXXX for {$200.00} with XXXX and that bank statement is attached and highlighted showing it was paid off. I have links attached supporting that Oracle Financial Group is a scam. I also have all of my bank statements from XXXX showing I did not take out a payday loan that year and, statements from XXXX XXXX, XXXX where I paid Oracle Financial Group, attached. I also have the email exchanges between me and XXXX XXXX, as well as, records of the phone calls I had with Oracle Financial Group and, my attempts to contact Money Management, the phone numbers are underlined, attached. As I understand all of my consumer rights were violated under the Fair Debt Collection Practices Act. Section, 809. I was never given official warnings, therefore I was not given 30 days to dispute the debt, I was not given the name of a real creditor I owed to and, the collection was not an actual debt I owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation