Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Payday loan 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: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
On XX/XX/2019 I received multiple phone calls on my cell phone and at my place of employment from the following number : XXXX. 

On every message they left the person on leaving the message would say " This is a legal matter, about a case that is pending ''. I called the number and spoke to a person by the name of XXXX XXXX who said he was handling my case and that it was associated with an unpaid pay day loan that was given to their office for collection. 

I ask him on the phone why they left messages referring to legal implications and cases I also asked if he was an attorney and he indicated that he was with thier legal dept. I told him to stop calling my work phone number and to send me an email with details listing the debt that he claimed that I owed. Later that evening he sent me an email with the following information : XXXX XXXX Representing XXXX. 
A.D.R XXXX Group XXXX XXXX XXXX XXXX, NY, XXXX Corporate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX File : XXXX Original Creditor : XXXX XXXX Your account has been placed in our office. Upon clearance of the balance due, you will be released from any further obligations regarding this delinquency. You may contact this office toll-free at XXXX Monday through Friday, XXXX ( EST ). This letter is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. We are required under certain State and Local Laws to notify consumers of those States or Localities of the following rights. The following does not contain a complete list of the rights consumers have under Federal, State, or Local Laws. 
For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or XXXX. Additional Information for California residents : The Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. 
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Our staff are trained to conduct themselves in a professional manner, and to leave you with a positive experience in dealing with our company. 
Attached below is an invoice and Validation of Debt Letter. If you have any questions regarding said invoice, Please contact our office. 

Dear Mr. XXXX, Upon clearance of this settlement, your account will then be considered Paid In Full. Furthermore, you will be relieved of any and all legal and financial obligations to this account, Please be aware if the settlement amount is not rendered by the due date provided, any and all arrangements discussed with the representative will become null and void. T his will result in the forfeiting of any reduced settlement. 

Upon clearance of your final payment, your account will be considered released in full and will be reported to the credit bureau, as such. If your payment is returned by you or your bank for any reason, this document is null and void. If you have any questions regarding these arrangements, please contact us at XXXX Monday Friday XXXX XXXX. 

Our staff are trained to conduct themselves in a professional manner, and to leave you with a positive experience in dealing with our Company. If you have a complaint, suggestion, or compliment, please call us toll-free at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX Two days later I received a threatening, derogatory message from their company. The representative called me a " liar '', he said that " I wasn't a good man ''. and he threatened legal action. When I attempted to call the number back they hung up in my face several times. The last time he said " If your not calling to talk about payment then I don't have time to talk ''. They number I called was XXXX ext. XXXX.

Company response to consumer: Untimely response