Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC
State: AR

Complaint narrative:
XX/XX/year> I requested via phone from XXXX XXXX Global Trust Management LLC the following when I spoke with Supervisor XXXX XXXX, more information below : Spoke with Supervisor XXXX XXXX at XXXX XXXX - XXXX on a recorded line. 

I asked for a debt validation, she told me that this is a proceedings office and that they would not be able to provide this. Stated that they were assigned the legal right to sue us. 

I informed her of my legal right under the Fair Debt Collection Practices Act ( FDCPA ), specifically, to acquire these things from them : The amount owed, The name of the original creditor, Proof that they have the legal right to collect this debt. The most specific of which I needed validated is that they have the legal right to collect this debt and this was not a scam. 

She ( XXXX XXXX XXXX as well as others at XXXX on several occasions including this recorded call, refused over and over to verify their legal right to collect this debt and were incredible aggressive, intimidating and hostile. They have only contact me via phone, they will not send me an email, they refuse to provide a email or physical address for me to send a written or emailed letter to them. 

They are currently collecting from me on a supposed debt of around {$980.00} thought they will not verify the debt with me. 

I have told them I am willing to pay this debt but I am afraid they are scamming me and that I need more information to verify who they are and who I am making payments to, so that I feel comfortable continuing to pay on this debt. 

I asked for them to send an email or written communication showing proof of their right to collect, the amount owed, the original creditor and some verifying information under the FDCPA. 

The initial conversations that came from XXXX were that they were going to sue me for XXXX XXXX XXXXXXXX XXXX XXXX. They had someone contact my old place of employment, my mother, sister, uncle, grandmother, aunt and many more. When I spoke with them after hearing they were looking to reach me they told me I needed to pay them that day, if I didn't they would proceed with this XXXX XXXX regarding this {$900.00} loan. They were very threatening and claimed that these were criminal charges and would be suing me with this and many other charges, both criminal and civil. 

At this point I agreed to pay them as I was terrified. 
I called back on several occasions and asked for them to verify my debt and their right to collect from me. I asked for them to follow the FDCPA and they refused, time and time again, refusing to provide any information at all... I was as I said before terrified at this point and was being told by my peers and wife that I was being scammed. 

Any time I asked for them to validate this information via email, writing / mail, anything or allow me to send digital or physical communications they flat out refuse and continue their course of communications, being threatening and quoting the suit they would be filing with these XXXX  charges. 

They stated over and over that they will not provide any information to me until I paid them in full. 

Attached is the most recent phone recording with the supervisor XXXX XXXX at XXXX, as well as a bank statement showing our payment to them to hopefully help in the investigation of this complaint. We are also seeking legal help regarding now but would like to bring this to the CFPBs attention. We will file a complaint with the Attorney General and other relevant sources as well.

Company response to consumer: Closed with explanation