Consumer complaint received 2017-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX   I received a called on my cellphone at   XXXX   XXXX    from the following number, which appeared on my cellphone as   XXXX   XXXX   XXXX   XXXX  . I was asleep and did n't answer, but a guy going by the name of   XXXX   XXXX   left me a message asking me to call him back ASAP regarding a failed banking transaction at   XXXX   XXXX   XXXX   XXXX   Ext   XXXX   and ended by saying, " You have been notified. '' I did n't have time to call, but received another phone call ( same number ) from   XXXX   XXXX   on   XXXX   XXXX   XXXX   @   XXXX   XXXX   again. This time he stated that he 'd called me the other day regarding a failed banking transaction and that this would be the last time he 'd call before his clients move forward with verification of my employment and legal notification will be sent to my address. Again he ended the phone call with " You have been notified. ".
I called back around   XXXX   XXXX   and was told   XXXX   XXXX   was in a meeting, but spoke with a guy ( name unknown ) who told me that a failed banking transaction in the amount of {$1000.00} from   XXXX   XXXX   XXXX  , which was opened on XX/XX/XXXX  had been deposited into my account at  XX/XX/XXXX and that I withdrew the money and had it transferred to my debit card. He went on to say I made one payment on the loan and then all of a sudden stopped paying on the loan. I told the guy that I 'd never heard of  XX/XX/XXXX , never took out a loan, and I did n't bank with XX/XX/XXXX . He became very aggressive and said that someone took this money perhaps a family member or someone who has access to your information. When I asked what and how was this loan done? The guy responded in an aggressive tone and I quote : You are  XX/XX/XXXX  are n't you?, I said yes, then provided me with the last 4 digits of my social security number, my address, and my last known employment, which I had n't worked at since  XXXX , and stated that my email was   XXXX  . I responded by telling him that some of the information was correct, but if the loan was done in  XXXX , I would n't have given my last place of employment when trying to get a loan. I kept insisted that I knew nothing about this loan and that it was n't mine. That 's when he said and I quote, " IT DOES N'T MATTER, WE 'RE JUST CONTACT THE BANK AND HAVE THEM VERIFY WHO CAME IN AND TOOK THE MONEY. '' It was almost as if he though I would get scared or something and admit to the loan, but instead told him to go ahead and do it, because it was n't me. He then threaten me by saying the client was going to get verification of my employment and legal notification would be sent to my address and then rudely said, " Have a nice day and hung up in my face. '' I called back to speak to   XXXX   XXXX   himself and got the same treatment. After telling him that I took no such loan he offered me no solution nor did he state to me what it was they wanted me to do. They just kept accusing me of taking this loan and went as far as to say, that they believe the loan was mine because the money was given to me and one payment was made towards to loan. I 'm not sure if they were trying to get me to admit or say it could be mine, but even after giving me this information I still had no ideal what they were talking about. I kept telling them this is fraud, fraud, fraud, and all   XXXX   XXXX   could do was ask what do I want to do? As if he wanted me to set up some kind of payment plan or something. I told him I did n't want to do anything because I was n't paying for something that was n't mine. He became very irate and very hostile towards me and was like, " FINE!!!! I CONTACT THE CLIENT AND TELL THEM YOURE UNWILLING TO WORK WITH US AND MOVE FORWARD WITH VERICATION OF YOUR EMPLOYMENT. YOU 'RE RECEIVE LEGAL NOTIFICATION IN THE MAIL!!!! HAVE A NICE DAY!!! '' and hanging up on me!
I contacted   XXXX   XXXX   XXXX   who informed me that no such account in my name was in their system and that the only account they saw was a checking account I opened in  XXXX  and closed in   XXXX   and during that time no amount of money in that amount had ever been placed in the account. I was also instructed not to agree to any payment or information these people are requesting and was told to ask for verification of this failed banking transactions that was supposedly placed in an account that does n't exist from  XXXX . The young lady at  XXXX  told me that this could be a scam and not to give these people any information about myself.
On  XX/XX/XXXX  I checked my landline phone to see if any such notification from any company called   XXXX   XXXX   was on my phone and found a called which they did placed to me on  XX/XX/XXXX  and the call came in @   XXXX   XXXX  ., however when I dialed the number I simply got a voice mail saying and I quote : Press 9 to be placed on a do not call list. I also called the number   XXXX   XXXX   asked me to call him at and kept getting a message stating that nobody was available to leave a message and someone would call me back. I decided to call the number that appeared on my cell-phone and load and behold they answered. I told the guy who answered the phone that I needed to speak to someone regarding this failed banking transaction after our conversation yesterday. They asked who 'd called me and when I gave them ext.   XXXX     XXXX   XXXX    answered the phone. He was like, very loud with me and direct saying, " Is this  XXXX ? '' I replied yes and told   XXXX   XXXX   that I 'd spoken with an attorney and was told to ask him to request proof of the debt in question.   XXXX   XXXX   was like fine I 'd send it to your e-mail and started to say the fake email address he had on file, but I demanded that it be send to my place of resident. I told him I was not giving him any information on me. He said he 'd send out a POD as soon as possible.

Company response to consumer: Untimely response