Consumer complaint received 08-05-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been in contact with XXXX XXXX XXXX on a debt that I owe from a payday loan. In the beginning they would call me almost 10 times a daly leaving threading voicemails saying they would sue me if I did not contact them. I finally got ahold of them and set up a payment plan to pay the debt. I have been paying {$140.00} every 2 weeks since may of 2017. This past week I received a paper check and needed to take it to the bank for deposit there fore the payment did not go through. They contacted and left me a voicemail threatening to sue if I do not pay. I called back as soon as I could explained the situation and set up another payment. By the time I left work and looked at my check it was n't going to be enough to pay the {$140.00} on top of rent and all other expenses. I tried calling calling back to cancel the payment, but the office was closed. They called me the next Monday and XXXX who I 've been talking to the whole time was instantly rude he said if I did not pay the {$140.00} they would sue me. Keep in mind I have been making {$140.00} payments ALL on time. This payment was my second to last payment. I asked XXXX  if I could move the payments back 2 weeks and he sent me directly to a litigation manager. XXXX got on the phone and started yelling at me she again said if I did not pay the {$140.00} she would sue me and If I did n't have the funds right now and if she was feeling motivated enough she would contact a lawyer and have him at my door in a couple hours. I then explained to her exactly what I told XXXX and she said " Are you XXXX or can you just not hear? Either pay today or we will sue you. '' I asked her why she was being disrespectful ... mind you I have not raised my voice or anything at her I kept calm even after she called me XXXX. She said she was not being disrespectful and if I do not cooperate she would delete my card information with out my approval and right it off as I never intended to pay. I then asked for her supervisor. Her response is " I am the manager '' I said there has to be someone above you I can speak to them. Her response again is " I am the manger ''. At this point my patients is wearing thin and I asked again for her supervisor and her response " Wow you must really be XXXX ... I just said I am the manager what part of that do you not understand. What are you going to say to my supervisor ... Oh, I 'm sad because I ca n't pay my bills and XXXX is being mean and doing her job. May I add I do my job very well. You low life black girl why do n't you figure out how you are going to pay me today ''. At this point I 'm so angry I did raise my voice and said I want a manager now. Her response " let me get you someone to pretend they are my suporvisor. '' She then hangs up. So I call back and some new lady is on the phone giving me the same response " pay today or get sued '' again keep in mind I have been on time every 2 weeks paying {$140.00} every 2 weeks. This was my sencond to last payment and I need to move the last 2 payments. All of this is completely illegal not only did they call me XXXX.. they brought my race into it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation