Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCR Financial Services Inc
State: GA

Complaint narrative:
Details of the Incident : On XX/XX/XXXX, I received the following unsolicited text message : XXXX XXXX, your account is currently in default and scheduled for processing on XX/XX/XXXX. Failure to resolve this matter promptly, may result in employment verification, penalty fees, and credit reporting. Contact our office immediately to resolve this matter at XXXX. Text STOP to opt out. 

Nowhere in this message was it disclosed that this was an attempt to collect a debt, nor was the company clearly identified. 
When I called the phone number provided, a representative identifying himself as XXXX XXXX answered. He did not disclose that he was a debt collector or that the call was an attempt to collect a debt. 
Instead, XXXX XXXX implied that I was at risk of criminal prosecution for bank fraud due to a reversed payment associated with an old account with XXXX  XXXX. When I asked specifically whether this was a civil or criminal matter, he implied that it was criminal in nature. This caused significant emotional distress, as I have never intentionally defaulted on a debt or committed fraud. 
After explaining that my payment was reversed due to my credit union closing the account after detecting fraudulent activity ( which I handled properly in XXXX ), XXXX XXXX pivoted to requesting immediate payment arrangements. This further confirmed that this was a debt collection call, not a pending criminal matter as he had previously suggested. 
When I refused to agree to a payment arrangement on the call, XXXX XXXX stated he would document this as a refusal to pay and escalate the matter, again implying potential criminal charges and garnishment as consequences. 
When I later called the number again and spoke to a different representative, I was finally told that I was speaking with XXXX XXXX, which I had to request explicitly. I have since attempted to research XXXX XXXX online and found limited transparency regarding their licensing or operations as a debt collection agency.

Violations and Concerns : Failure to disclose that communications were from a debt collector, as required under 15 U.S.C. 1692e ( 11 ).

Threats of criminal prosecution for a civil debt, violating 15 U.S.C. 1692e ( 4 ), ( 5 ), and ( 7 ).

Use of deceptive and misleading practices designed to coerce payment under duress, violating multiple sections of the FDCPA.

Threatening garnishment and employment verification without legal basis, constituting harassment under 15 U.S.C. 1692d. 

I respectfully request your investigation into XXXX XXXX and the representative identified as XXXX XXXX for these unlawful practices. 

I also request that : 1. This company cease all contact with me unless legally required.

2. All collection efforts regarding this debt be suspended until proper validation is provided.

3. Their debt collection license status in Georgia and Florida be reviewed.

Company response to consumer: Closed with explanation