Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reel Time Capital LLC
State: ID

Complaint narrative:
Was called out of no where on XX/XX/XXXX at XXXX, I missed the call due to me getting ready for a doctors appointment. I was left a voicemail with constant cut outs that sounded robotic. Which essentially stated that I was being contacted due to 2 complaints, stating that if I did not call back this number to resolve the issues that they would file these complaints. I had no idea for what or what was happening at all. Later that same day at XXXX my sister sent me a screenshot and video of the same person and threat, trying to act as if her number was mine disclosing information to her that wasnt her business. They also somehow untainted her phone number and called her at XXXX before they tried to call me at XXXX the companies name is Reel Time Capital . So at XXXX being scared as this was intimidating and cruel I called the number to see what was going on. They were calling because of a payday loan I took out in XXXX due to medical expenses, with the company XXXX  to my knowledge I thought my debt had been taken care of as I thought my old bank account had been charged and withdrawn before that account had been closed. Unfortunately it had sent back errors and the debt went unpaid without my knowledge. They had supposedly contacted my old email address that I have lost the access to due to password reset issues. And had also sent a letter to my old address I had been living at although I had informed the postal office of my change in address and did not receive a single letter from this company. I asked why I wasnt called or notified and they said they tried. So I asked this debt collector that was now in charge of my debt how to resolve the issue although I had no ideas of this issue until now. I was told I either pay 50 % of the money upfront that same day, which I expressed I did not have. He than asked how much I had which I dont have anything due to my suspension of work due to back injury. So I essentially am short on money already and did not have anything to spare as I had no idea this was an issue. I gave him a date which was about 3 weeks out stating I could make the 25 % that he was required to collect today as this is when I would finally have a paycheck with money. He declined this and said that 3 weeks wasnt going to work. I asked what would happen since I am not able to pay these unexpected payments, his response was that legal actions were going to be taken and that my wage would be garnished, which I was ok with although I am just saying that in fear of a court case. He than tells me that 100 % of my wages would be garnished, which was not ethical considering I had no idea of this issue and I need to make money in order to make bills and get food and live essentially. I asked for the XXXX  phone number. He than told me that they were just going to tell me to call the collection agency back and I was going to be redirected to him again leaving me with no other options. I called XXXX in which I understood my money had not been paid back, and I wanted to set up a payment arrangement to get this fixed. They told me that the case manager should be working to help me fix the issue. She then asked what number they called from and it was a completely different number than the one she has from the company, which was weird to the people at XXXX They gave me the legit number for Reel Time Capital I called and no one answered so 5 mins later I call again and again no one answers. I went onto BBB to realized that this was very similar ( pretty much the same ) to other complaints of illegal actions and harassment that this company has been apart of.

Company response to consumer: Closed with explanation