Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
I received a phone call from XXXX, showed as a XXXX XXXX TX connection, on Monday XX/XX/XXXX. Voice mail left by a XXXX XXXX XXXX saying that she was " calling from the office of XXXX XXXX XXXX, he is our process server '' and that he was " enroute '' to serve " legal documents '' that I would need because an " involuntary default judgment had been " filed under my name and social '' with " commencement date being XXXX. XXXX. '' When I called her back she alleged that there was an outstanding debt to The Cash Store, that several attempts at collecting that debt had been made over the years and that I was being sued by The Cash Store 's representatives. She identified her company as XXXX XXXX XXXX XXXX Texas in a demand letter that she emailed to me. I called again and she transferred me to a " paralegal ''. A XXXX XXXX discussed my situation and revealed that the account listed my birthdate as XX/XX/XXXX. The birth year is actually XXXX. He also said that the date of the action was in XXXX. I did not live in TN then. When he asked if I had ever availed myself of any check cashing/pay advance companies I stated that it had been nearly XXXX  years before. The address he had for me was XXXX where I lived around XXXX for a few months. I did not recall having an account like this during that time. I believed at first that someone had used my social security number to obtain a loan. I indicated that I wanted to clear my name. The next day, I received a call from another gentleman from the same number who wanted me to " settle '' the account and suggested an amount that he would offer to the lawyers for The Cash Store. I tentatively agreed to pay for the original debt if they would provide me the documents proving that it was I who had opened that account. I asked if this account could have been an online loan and not XXXX where I would have actually gone into a brick and mortar business. He said yes. I remember applying for a loan like that but I had no idea of the date or the disposition of that any loan. He placed me on hold. When he returned to the call, he said that the lawyers accepted my offer, but they could not provide me any paperwork because it is part of the " discovery '' and sealed against his inspection and anyone else 's. He revealed that the account was opened in XXXX of XXXX. He asked for my debit card number in order to make the first of XXXX payments and sent me an email with the details of this arrangement. I told him that I was not comfortable with this. I asked if I was being sued in civil court if I could represent myself. He said yes. I then asked what jurisdiction and he said XXXX XXXX TN, where my previous address was at the time of the alleged contract with The Cash Store. I insisted that I should be given the " XXXX '' if I were to be representing myself in court, likely since I can not afford a lawyer. I asked how the process server would get me the paperwork and he said he would try to find out from XXXX XXXX. I offered to go meet the server so I could answer the court properly and either be prepared to defend myself or see if all of this was a bogus attempt to get payment from me, or if it was a scam. He never called me back. I believe the statute of limitations has expired for any debt, if one exists. I doubt that there is a process server who is looking for me, or that there is an imminent trial, considering all of the mystery that XXXX XXXX XXXX seems to be creating. I offered to help clarify the who, what, when, where, why, and how but I can not do that when the discovery, if it exists, is being kept a secret. At this point, I have no idea against whom I am defending myself. Is it The Cash Store and its lawyers, a debt collection company, or XXXX XXXX XXXX. It is suspicious to me that the only communications I have had is with the XXXX people with whom I spoke, all at the same number, claiming to represent XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation