Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Sterling & Associates, LLC
State: TN

Complaint narrative:
XXXXXXXXXXXX To XXXXXXXXXXXX XXXX XXXX at XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - General Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Merchant Account : Sterling & Associates Date/Time : XXXX/XXXX/2017 XXXX XXXX CDT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Amount : {$550.00} Transaction ID : XXXX Authorization Code : XXXX Transaction Type : Card Sale Response : Approved XXXX Results : Exact match, XXXXcharacter numeric ZIP XXXX Results : XXXX Match -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Customer Billing Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - First Name : XXXX Last Name : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : TN Zip Code : XXXX Country : US Phone : Email : XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Customer Shipping Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - First Name : Last Name : Address : City : State : Zip Code : Country : US XXXX XXXX XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; To XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Your document has been completed REVIEW DOCUMENT XXXX XXXX XXXXXXXXXXXX All parties have completed Please XXXX : Sterling Associates LLC Authorization.docx . 
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Email : Reply Reply to All Forward More I RECEIVED A CALL FROM XXXX AND THE LADY SD I HAD COMMITTED INTERNET FRAUD AND CHARGES WERE BEING BROUGHT AGAINST ME. I ASKED HER ABOUT THE ACCUSATION AND SHE THEN SD IT WAS FOR A PAY DAY LOAN. I ASKED HER WHAT THE NAME OF THE COMPANY WAS AND SHE SHE STATED ACE CHECK CASHING AND XXXX OR XXXX OTHERS THAT I CAN NOT REMEMBER CAUSE I WAS SO AFRAID. SHE SAID THE PAY DAY LOAN AMOUNT WAS XXXX. I AGREED TO PAY THIS AMOUNT. SHE SAID IF I PAY THIS AMOUNT THEY WOULD EXONERATE THE CHARGES AND I WOULD NOT BE ARRESTED. THEN SHE TRANSFERRED ME TO XXXX XXXX WHO STATED I NEEDED TO PAY XXXX FOR LOAN AMOUNT AND ATTORNEY FEES, I GAVE XXXX MY DEBIT CARD AND SHE RAN IT FOR XXXX WHICH HAS NOW CLEARED MY BANK XXXX # IS XXXX AND AGAIN TODAY I RECEIVED A CALL FROM XXXX THAT I DID NOT ANSWER, BOTH LADIES REFUSED TO SEND ME A LETTER VALIDATING THE DEBT BUT THE FIRST LADY MADE MANY THREATS OF BRINGING CHARGES AGAINST ME AND HAVING THE STATE OF TENNESSEE ARREST ME..

Company response to consumer: Closed with explanation