Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC
State: WI

Complaint narrative:
On XX/XX/2018 my mom was contacted by Nelson Cruz and Associates that I need to contact XXXX at XXXX ext XXXX. I called to find out what this is about, I was told that I owed for a XXXX XXXX XXXX Master card I informed him that I have never had or applied for a XXXX   XXXX XXXX credit card. He then transferred me to XXXX the processor that told me that I owed this debit, when stating that I did not owe for a XXXX XXXX XXXX master card she said " that is what they all say if you did not owe for this I would not be calling. I will have the courts place a lien against the title of your car if you do not pay the amount that I told you that you owe. '' I told her that I would contact XXXX XXXX XXXX to find out if I have an outstanding master card with them. XXXX gave me until to day XX/XX/2018 to get my information. I called XXXX  XXXX XXXX no XX/XX/2018 after a long time of putting in my ss i was finally transferred to the fraud department, I was then able to talk to an associate at XXXX XXXX XXXX explained what was going on so she checked the system and was unable to find me anywhere in their system as a past or present account holder. Mr. XXXX XXXX called me back today XXXX at XXXX XXXX  while I was at work I did wait until I got home to call. when I called back at XXXX XXXX Mr. XXXX XXXX was not at his desk I was transferred to XXXX. When I told her that I contacted XXXX XXXX XXXX and they could not find me I their system anywhere as owing any money she got really nasty with me and told me that I do owe this money, I did ask twice to have any information that have regarding this sent to my address as they seem to know it, was told that they can not do that she did say she would send it to my phone which she has the number. I told her that I called XXXX  XXXX XXXX and that they stated that I owed no money for a master card I was told that she was going to put me on hold so that she could get them on the phone to have a conference call. She came back on the line and told me that she was transferring me back to XXXX as she could not call them with me on hold so back to XXXX I went, my phone dropped the call so XXXX called right back to have me hold again while XXXX was on hold with XXXX XXXX XXXX. He came back on the line to tell me that XXXX would call me back when XXXX XXXX XXXX came on the line that was at XXXX XXXX. So after we hung up I Called XXXX  XXXX XXXX at XXXX XXXX after many attempts entering my ss I was finally transferred to the fraud division again to another lady than I talked to the 1st time, she also could not find me having a MasterCard that I owed for. I asked if they could send me something in writing stating that I do not owe XXXX XXXX  XXXX for a MasterCard or anything else, it was suggested that I go into one of their service centers to get something in writing as I have never been a customer of theirs so they are unable to grant my request. I will drive the 33 miles to get it in writing that I do not owe XXXX XXXX XXXX. I was told that they are going to put this bad debit on my credit report and put a lien on my car all over a MasterCard allegedly that I owe for. I have not put any of the XXXX XXXX XXXX employees names in this but I do have them if you request them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation