Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Future Judgement Solutions
State: MO

Complaint narrative:
# CONSUMER FINANCIAL PROTECTION BUREAU # # DEBT COLLECTION COMPLAINT * * Submit Online at : * * XXXX/complaint -- - # # PERSONAL INFORMATION * * Your Name : * * XXXX XXXX XXXX XXXX Address : * * XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MO XXXX XXXX * Phone : * * ( XXXX ) XXXX * * Email : * * XXXX * * Date of Complaint : * * XX/XX/XXXX -- - # # COMPANY INFORMATION * * Company Name : * * FJS Global Inc. ( also known as Future Judgement Solutions ) * * Company Address : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX * * Company Phone : * * ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX * * Company Website : * * XXXX  * * Product/Service : * * Debt Collection * * Issue Category : * * Debt Collection * * Sub-issue : * * False statements or representation -- - # # WHAT HAPPENED? ( DETAILED COMPLAINT ) # # # * * SUMMARY : * * FJS Global Inc. violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) by falsely denying they were debt collectors, claiming to be licensed attorneys, and making fraudulent legal threats regarding a XXXX time-barred debt. 

# # # * * TIMELINE OF VIOLATIONS : * * * * XX/XX/XXXX : * * Initial contact regarding alleged " document delivery '' * * XX/XX/XXXX, XXXX XXXX : * * Phone call from " XXXX '' ( XXXX ) - When I repeatedly asked " Is this an attempt to collect a debt? '' she stated : * * '' This is not an attempt to collect a debt '' * * - Despite this denial, she demanded payment of ~ {$1600.00} for a XXXX XXXX XXXX XXXX debt - She threatened to file a lawsuit for " Malicious Intentional Fraud of a Financial Institution '' - She claimed they " purchased the contract '' from the original creditor * * XX/XX/XXXX, XXXX XXXX  : * * Phone call from " XXXX '' ( XXXX ) - When I repeatedly asked " Is this an attempt to collect a debt? '' she stated : * * '' This is not an attempt to collect a debt '' * * - When I asked " Do you have a license to practice law in Missouri? '' she stated : * * '' YES '' * * - She threatened the same lawsuit for " Malicious Intentional Fraud of a Financial Institution '' - She claimed the debt was XXXX XXXX XXXX ( clearly beyond any statute of limitations ) # # # * * FDCPA VIOLATIONS : * * * * 1. False Representations ( 15 U.S.C. 1692e ) : * * - Both representatives falsely denied they were debt collectors - " XXXX '' falsely claimed to be a licensed Missouri attorney - Their website at fjsglobalcollect.com contradicts their phone denials, stating they contact people " regarding an outstanding balance with a former creditor that we now manage '' * * 2. Failure to Identify as Debt Collectors ( 15 U.S.C. 1692e ( 11 ) ) : * * - Failed to disclose they were debt collectors attempting to collect a debt - Explicitly denied debt collection activity when directly asked * * 3. False Legal Threats ( 15 U.S.C. 1692e ( 5 ) ) : * * - Threatened legal action they can not legally take ( XXXX time-barred debt ) - Made threats without actual attorney involvement despite claiming legal licensing - Threatened fraud lawsuit when they lack standing as debt buyers * * 4. Misrepresentation as Attorneys ( 15 U.S.C. 1692e ( 3 ) ) : * * - " XXXX '' falsely claimed FJS was licensed to practice law in Missouri - No evidence of any legal licensing exists for this debt collection company # # # * * PATTERN OF VIOLATIONS : * * FJS Global Inc. has a documented history of FDCPA violations. XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX issued a Desist and Refrain Order on XX/XX/XXXX, assessing {$40000.00} in penalties for similar violations including false legal threats and deceptive practices. 

# # # * * HARM CAUSED : * * - Confusion about my legal rights regarding a time-barred debt - XXXX  from false legal threats and fraudulent attorney claims - Time and effort required to investigate their false claims - Risk to other consumers who might pay invalid debts based on false attorney credentials -- - # # WHAT WOULD YOU LIKE THE COMPANY TO DO? 

1. * * Stop all collection activities * * on this time-barred debt 2. * * Cease false representations * * about being licensed attorneys 3. * * Properly identify themselves * * as debt collectors in all communications 4. * * Comply with FDCPA requirements * * including proper debt validation 5. * * Provide written confirmation * * they will not pursue legal action on this time-barred debt -- - # # WHAT WOULD YOU LIKE CFPB TO DO?

1. * * Investigate FJS Global Inc. * * for systematic FDCPA violations 2. * * Coordinate with state regulators * * who are also investigating this company 3. * * Take enforcement action * * including civil penalties for violations 4. * * Issue public warnings * * about this company 's illegal practices 5. * * Require corrective action * * to prevent future violations against other consumers -- - # # ADDITIONAL INFORMATION # # # * * Supporting Evidence : * * - * * Phone call records * * with exact times and numbers - * * Website screenshots * * proving they are debt collectors despite phone denials- * * California enforcement order * * ( XX/XX/XXXX ) showing pattern of violations - * * State bar verification * * confirming no legal licensing exists - * * Multiple state agency complaints * * filed regarding same violations # # # * * Agency Coordination : * * I have also filed complaints with : - Missouri Bar Association ( false attorney licensing ) - Missouri Attorney General ( consumer protection ) - Wyoming Bar Association ( unauthorized practice of law ) - Wyoming Attorney General ( consumer protection ) # # # * * Urgency : * * This company is actively targeting consumers nationwide with false attorney claims and time-barred debt collection using systematic FDCPA violations. Immediate CFPB action is needed to protect other consumers.

-- - -- - # # VERIFICATION I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 

* * Date : * * XX/XX/XXXX * * Signature : * * XXXX XXXX -- - # # PREFERRED CONTACT METHOD Email : XXXX Phone : ( XXXX ) XXXX Mail : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MO XXXX * * Best time to contact : * * Any time * * Additional notes : * * Available to provide recordings, testimony, or additional documentation as needed for enforcement action.

-- - * * This complaint documents systematic FDCPA violations by a debt collection company with a proven pattern of regulatory violations. Immediate investigation and enforcement action are requested to protect consumers nationwide. * *

Company response to consumer: Closed with explanation