Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX I took out a payday loan for XXXX with a company called XXXX. I could not pay it back due to severe financial hardship. XXXX sent several emails to me, stating that the account was delinquent and then I stopped hearing from them. I got no further communication from them or anyone else. XX/XX/XXXX, XXXX My mother called and said someone was looking for me to sign some papers. She stated : " Someone has called me regarding someone filing a claim against you. I have info to give you. If you don't call them today, they will show up at your house for a signature tomorrow. If you aren't there, they will show up at school ( I'm a XXXX ). This is not my business and I won't ask you any questions, but I need to give you a phone number and claim number. Do you want me to text it? '' I called my mother and got the number. She stated the man had my name, hers and my brothers names, and my kids names!! One of my kids is a minor! One of them is severely XXXX! The number she gave XXXX claim number XXXX and the name was XXXX XXXX XXXX I called the number and a woman answered and asked for my social security number. She stated, " I will read this and you can follow along ''. I asked her what she meant and she said " Oh, you didn't get an email? '' I never received an email from this company, which is called XXXX XXXX. She proceeded to read a bunch of information pertaining to the debt, talked about me going to court and having to pay less than XXXX and that I could avoid it by paying now. I told her I needed to call emoney and verify who owned the debt. She argued with me, and constantly interrupted. I asked her to cease and desist from calling my family members or calling me at work. She said absolutely they can do that if they want to. I told her again I needed to verify ownership of the debt and hung up with her. Then my brother called and said someone had called him looking for me and gave a number. I called the number and it went to voicemail and directed me to call XXXX, which sent me back to XXXX. I called emoneyusa and asked them who owned the debt now. They stated that a company called XXXX now owned the debt and gave me the number XXXX. I called them and left a message and no one called me back. XX/XX/XXXX : A man called the front office at the high school XXXX XXXX XXXX and asked to speak to me. He was told calls could not be transferred to a classroom. He became belligerent and said he had XXXX XXXXXXXX XXXX cell phone ( she is XXXX XXXX XXXX XXXX ) and that he would call her if he had to. He was transferred to the attendance clerk, XXXX XXXX. XXXX took his name and number and gave me the message and stated that he was rude to the front office secretary who originally took the call. I called them back and spoke with someone named XXXX XXXX XXXX XXXX XXXX XXXX and requested proof from him that XXXX owned the debt. He taunted me by saying " Oh, you want an email? Is that what you want? '' I told him I needed proof that they owned the debt they were trying to collect on. He stated " This is ridiculous ''. He gave me the website for his company : XXXX and told me to click on 'findmybalance ' and put in my dob and email. He consistently interrupted me, refused to provide proof or arrange to provide proof of the debt, and spoke in a demeaning and threatening manner, told me it was " almost too late '' and he was " trying to help '' and kept pressuring me to sign papers. During the day I tried to contact XXXX two more times, they had a voice message but no option to actually leave a message. I sent an email to them and as of XXXX XXXX I have no reply. I called emoney usa back twice Both times I was told XXXX owned the debt. The third time I called, the lady I talked to gave me the account number XXXX. This matched the account number that XXXX has on their site. Their site gives options for settlement or payment plans. At no time did XXXX agree to give me proof they owned the debt, at no time did Emoneyusa mention the name XXXX or know who they were. At no time did XXXX agree to give me proof of owning this debt. I have never received ANY communication from XXXX prior to XX/XX/XXXX, either in written form, phone calls, or emails, or voice messages. I have NEVER received any communiction from XXXX at ANY time. Instead, XXXX has called and harassed family members, and called my work and harassed coworkers, and when asked not to, they refused to stop and stated they would continue. I really want to emphasize that I had no idea who XXXX or XXXX was before XX/XX/XXXX and had no idea they had bought the debt!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation