Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other 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: Pendleton Capital Management
State: VA

Complaint narrative:
A family member called me and stated that someone called looking for me on the night of XX/XX/19. I got the phone number from the family member and immediately called. The rep that answered the phone stated my name and asked if that was me. I verified and the gentleman hung up. This was at XXXX eastern time. I then called back two more times and no one answered. This morning I called the number again. ( XX/XX/19 ) This time at XXXX. The lady who answered the phone stated my name and I again verified it is me.I asked what time they close for the evening and she stated " it depends, but XXXX ''. I explained what happend the night before and she stated she would transfer me to who I needed to speak with. She then transferred me to who I later found out was " XXXX ''. XXXX started off on an ok note. He verified my info and identified why they were calling for me. When XXXX told me what he was calling for, I set up a payment plan and gave him a card to put on file to to make my payments. After I did this I asked XXXX if they can remove the debt from my report because me making payments may reage the account. XXXX stated that it would report as a settlement. I told him then I would be better off not paying it until I can pay in full. I didn't want a settlement on my credit He asked if I still wanted to make payments monthly and I stated no. I will pay when I can pay in full. XXXX stated " well then we will report you '' and he hung up. I called back to make sure XXXX removed my card and knew not to run it. When I called back, I didn't at that time know his name so I just started talking. I assumed it was the same gentleman because I JUST got off the phone with the guy and he sounded the exact same. What I said was " I'm calling back to make sure you know to remove my card ''. He said I wasn't talking to you. I said oh ok, It sounds like you are the same guy. The gentleman on the phone said " What are you trying to say? All XXXX guys sound the same?? '' I stated, are you XXXX?? I can't tell that over the phone. He then said hold on. After maybe a minute, the SAME guy came back and started talking. He stated " We already sent your account over for processing. Make sure you have two forms of ID on you when they get you ''. I again stated Make sure you remove my card. He hung up the phone. I called one more time. This time a woman answered. When I asked for the rep 's name who's over the " account '' the woman stated " Oh Lord, you're calling back again! '' she put me on hold and sent me to the voicemail of XXXX. That's how I found his name. XXXX was very deceptive in trying to manipulate me to believe I would be arrested. He also never verified he removed my card. I also don't appreciate his usage of race in our conversation. Who does he know I am NOT XXXX?? I didn't care about his XXXX  and I still don't, so I am not sure why that was mentioned.

Company response to consumer: Closed with explanation