Consumer complaint received 2018-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Company : JPL Recovery Solutions, LLC Reference # XXXX Telephone # ( XXXX ) XXXX People Involved : XXXX XXXX Complaint : The complaint is about a debt collector harassing me the consumer by repeatedly calling me, family members, non-family members, and place of employment and threatening action they can not take. Violating codes U.S. Code [ 15 USC 1692 d ] 806 [ 5 ], [ 15 USC 1692 c ] 805 [ b ], and [ 15 USC 1692 e ] 807 ( 5 ). 

Problem : The type of problem that I am having with the debt collector is that they are constantly harassing me, my family members, non-family members by constantly calling me and if they get my voicemail they then proceeded to call the other individuals that I listed above. 

Issue : On the afternoon of XX/XX/2018 a co-worker ( XXXX ) of mine came to my office and informed me that a gentleman by the name of XXXX XXXX had called her and informed her that he had a wage garnishment for me. Mr. XXXX did not identify what company he was calling from, but proceeded to inform XXXX that he had a wage garnishment for me. Mr. XXXX does not have the right to inform a third party about my alleged debt unless I grant him permission, which I did not. Under U.S. Code [ 15 USC 1692 c ] 805 [ b ] it states that it is illegal for a debt collector to inform a third party about alleged debt. 

Upon receiving the message from my co-worker with Mr. XXXX telephone I proceeded to contact him in an attempt to find out more information regarding the situation. 

When I called XXXX XXXX he stated to that he was calling regarding a debt that his company had taken over from the company XXXX XXXX. When I asked about information regarding the debt he informed me that the original debt was for {$5400.00}, however with interest and penalties it rose to {$21000.00}, but his company was able to negotiate the amount down to {$5300.00}. 

I let Mr. XXXX know that I couldnt financially afford to pay the whole amount at this time, but that I was more then willing to set-up a payment plan. Mr. XXXX then proceeded to tell me that it was too late for a payment plan because the debt was no longer in collections, but that the debt was closed. 

Mr. XXXX then proceeded to tell me that he was ready to submit the garnishment to my payroll department, but that he was giving me the opportunity to pay it off. What I didnt understand was if Mr. XXXX had stated to me previously that I couldnt set-up a payment because the debt was no longer in collections, but that the debt was closed, How was he trying to collect the money from me now? 

The moment that Mr. XXXX threatens me with a wage garnishment he knew very well that he was lying and breaking the rules and guidelines of the FDCPA and CFCPA. Mr. XXXX knew very well that neither he nor his company had followed the proper protocol to obtain a wage garnishment as required by the FDCPA. No paperwork for a lawsuit was filed in the county that I reside in and no paperwork was ever served to me informing me about a lawsuit against me by any company. The fact that Mr. XXXX threaten me with action that he knew very well that he couldnt he violated U.S. Code [ 15 USC 1692 e ] 807 ( 5 ). 
Once again I informed Mr. XXXX that I couldnt afford the full amount all at once, but again I was willing to set-up a payment plan. 

Mr. XXXX then told me to borrow the money from somewhere. I told him No. He then proceeded to tell me to borrow money from a family member, IRA, or a 401K, in which I told him No, again. When I offered again to set-up a payment play Mr. XXXX then asked me if I knew about the financial institute of XXXX XXXX XXXX and I told him, Yes. He then proceeded to give me information to the closes XXXX XXXX XXXX to me and told me to apply for a loan there to pay-off my debt to his company. 

Mr. XXXX then proceeded to tell me that I had 24 hours to give him a response back on the choices he had given me to pay-off my debt to his company before he proceeded to send the garnishment paperwork to my payroll department. By Mr. XXXX giving me an ultimatum on my choices he was attempting to intimidate me by giving me only 24 hours to decide. Which again is a form of harassment. 

I once again proceeded to ask Mr. XXXX XXXX if I could set-up a payment plan and he told me it was too late. 

Since that phone conversation with Mr. XXXX he has constantly called me, my family, non-family members, and my place of employment attempting to get information about me. This constant harassment and the use of threatening action once again violates the rules of the FDCPA and the CFDCPA under U.S. Codes : Calling Repeatedly- [ 15 USC 1692 d ] 806 [ 5 ], and Threaten Action they can not take- [ 15 USC 1692 d ] 807 ( 5 ). 

I would greatly appreciate any assistance in getting this situation taken care of as soon as possible and most importantly for the harassment from JPL Recovery Solutions, LLC and their employee XXXX XXXX to stop. I would greatly appreciate for the constant phone calls to stop as well. The constant harassment is causing major stress to me at my place of employment and with my family since he is constantly calling them to. The stress that this situation is causing me is also causing issues with my health. 

If you have any questions for me please feel free to contact me at the following number : ( XXXX ) XXXX. 










Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation