Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX, XXXX, I was given a phone number by my HR where I work and she told me I had better call them because they told her if I didn '' t call, my wages would be garnished. I immediately called them and was told if I could.make payments on debt I owed, the person on his way to deliver court papers to garnish my wages would be stopped and this negative account on my credit report would be removed that day. At this time, the woman I spoke to could not provide me who the original debt was owed to or give me a number to call or a physical address. She told me that they were handling the debt now and the only thing she could give me was my case number. I was terrified of having my wages garnished and when I told her that I never received and court documents in regards to this debt and there was no case pending or completed on the XXXX XXXX XXXX case website, she told me that they didn't need to go through courts because in the agreement with the original company I supppsedly owed, there was a clause stating my wages could be garnished without legal action. I was looking at my bank statement, yestetday, XX/XX/XXXX, and really paid attention for recurring payments because I am in the process of buying a home and tney want letters and statements in regards to recurring payments. I saw one recurring payment from an entity I did not recall. It was IDR with more x 's then numbers, in regards to the account and phone number. I was able to get a physical address by clicking on this account on my bank statement and it showed an address of XXXX XXXX XXXX XXXX XXXX ; XXXX, CA XXXX and phone number of XXXX. When I did a XXXX search of the address, it came up as an apartment in XXXX, CA. I called the number and the same lady I spoke to in XXXX answered. She said when I called in XXXX, it was an automated phone call, and I would not had been given the original debtors information. She told me it was from XXXX XXXX XXXX and the funds were deposited into an account with XXXX XXXX XXXX XXXX and this was when I lived at my previous address at XXXX XXXX XXXX XXXX. When I told her I have never taken out a payday loan with XXXX XXXX XXXX and I have never banked with XXXX XXXX XXXX XXXX. I told her if I had a payday loan from that far back, I would be owing over {$100000.00} in interest fees alone. She said, " I know. The fees they charge are crazy. I can stop the payments you have been making since XXXX but I would have to put this back onto your credit report, today, and have papers served to your job on Monday to start wage garnishments. '' I told het no, I would continue with the payments, for now, but I would be doing reserach on who IDR is. I asked her for their website address so I could access my statements and she said she could mail me my statements. She declined to give me a website address where I could access my account. This entity, IDR, is taking out {$79.00} every 2 weeks from my checking account at XXXX XXXX XXXX. I called her early in the morning on XX/XX/XXXX, and hung up, thinking it was too early. She immediately called me back but I did not answer. I called her back an hour later, and she answered, " is this XXXX. I had your file on my desk when you called earlier. '' That seemed strange to me.

Company response to consumer: Closed with explanation