Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2019 I was contacted by XXXX XXXX stating a civil law suit has been filed and a warrant for my arrest is waiting to be served. I argued with a man named XXXX XXXX   who stated that they are no a collections agency but rather a law firm and of which he is a director. I told him I resolved this account already and he told me since I had done all of this before that he had enough authority to cut the debt from {$970.00} to {$470.00}. He told me that unless I promised to reconcile the account a warrant for my arrest would be out the next day. I told him I would look for my paid in full letter and told him to continue with the {$470.00} amount until I found the letter. He told me I would be sent a " right signature '' document to authorize payment from my account and to sign it. I did not receive the " right signature '' and did locate my paid in full letter. XX/XX/XXXX, I contacted XXXX and told them I have the paid in full letter, the confirmed the account number was correct and asked me to send the letter to XXXX. I sent the letter while on the line with the company and was advised that the account is closed and would be removed from my credit. On XX/XX/XXXX I received the " right signature '' email. I responded to the email with the paid in full letter and a request that the account would be removed from my account. I called XXXX XXXX and told him that I just received the right signature, he told me not to worry about it and to disregard. He confirmed, nothing would be charged to my bank account and no monies are expected to be paid. He told me not to sign the right signature since I already sent the paid in full letter. I requested a letter showing the account would be removed from my credit. I was then transferred to another representative who told me the other collections agency did sloppy work and that they should send the letter showing the account is no longer on my credit. I explained that their company does the same sloppy work because they don't show that I have sent the paid in full letter. That representative has also stated the no payment was due and that the account would not seek further action. XX/XX/2019 I have a pending amount of {$470.00} with my bank for this account. I called XXXX 5 times leaving multiple voicemails only to have to call *67 to get them to answer the phone. After speaking to XXXX XXXX I was told it was their error and that a refund would be processed on approximately 4 business days. I explained why this draft was fraudulent and he transferred me to XXXX in the compliance department who told me to be nice to him because they are short staffed due to the holiday weekend and he did not personally draft from my account. I told him BECAUSE of the 4 day weekend that this error is especially egregious and why I need this resolved today. I demanded a letter stating that the refund is being processed TODAY, the account closed, and no other actions will be taken against my account from XXXX XXXX. XXXX stated he would and then went on to say that he refused to argue with me any further, I disconnected the call.

Company response to consumer: Closed with explanation