Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by individual claiming that they were going to garnish my wages if I did not pay them {$3000.00}. This for from a supposed debt that I had in 2007. I informed the gentleman that I did not have any debt and it was not on my credit report. This gentleman said he was from Central portfolio and that he won a court case because they sent me a letter that I needed to show up in court. I am informed him that I did not receive any letter and I've never once received a certified letter from them. In 2007 I lived in XXXX  I have now lived in XXXX  for over a decade. He said he won the court case by just proving that he sent a letter by a copy of the letter. Nothing was ever needed or had to be certified as what he told me. I told him to prove that I owed the debt send me something to prove it and I'd be happy to start making payments. Two weeks went by and I did not hear from him then I just received a call from somebody who first said his name was XXXX then when I explained I wanted definite information he said his name was XXXX XXXX from Central portfolio. The number was XXXX XXXX he also informed me he was going to garnish my wages. I explained to him that I looked up the law and the state law in XXXX  says you have four years to collect debt and that if I received a certified letter by mail I would never not go to court. The research I also found that if they did win a lawsuit in XXXX it would have shown up on my credit report which again none of this is on my credit report. I explained to him that on the XXXX I asked for proof of debt and he was supposed to give that to me within 5 days. He said he was going to then send me proof I don't know if this is legal that they can do this obviously do not live in XXXX or do I have the financial means to go to a court date in XXXX. when I said this he said how are we supposed to know of your financial problems when you don't inform us of them. He knew my address because he asked to verify who I was and had my address, I do not realize or did not realize I even noted that so why would I be contacting them. I have not lived in XXXX for a very long time and have not heard from any debt collectors from out of state. I had one credit card company send me a certified letter to go to court about 3 years ago and I have coarse went and have been paying them on monthly fee ever since but should be over soon. 
I don't understand why he would say he want a court case in XXXX  and that they sent me a letter saying I had to appear in XXXX and not send it certified. Debt collectors are all over the country and they have one lawyer in every state it would have not taken them any time to have a certified letter sent to me in XXXX where I could have attended Court in XXXX  to fight this. I don't know if this is a scam. Or what my rights are at this point. But they call from a restricted number so I don't even know if the number he gave me was correct. Help please

Company response to consumer: Closed with explanation