Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RAB, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has made threating calls to my employer requesting my employer to place a lien against my commissions. I have sent XXXX XXXX an email demanding he NO longer email or call my Employer. And that he also stop emailing and calling me with his threats. It is beyond harassments at this point. And my employer is threating my position with the company and is restricting my appointments. 

I was first contacted on XX/XX/XXXX at XXXX XXXX  by email and at XXXX XXXX  XXXX phone calls ( XXXX ) XXXX back to back by a Employee by the name of XXXX XXXX from RAB INC. I promptly called him back to see what the call was concerning. He changed the amount from the call on Thursday to a different amount in the email XXXX. 
On XXXX XXXX XXXX emailed me and he is using a bully tactic and posing as a law firm. To try and scare me. He is a low life collection company and their reviews are horrible. I will not be harassed by him. He has called me 3 times today XXXX already and left a threatening voicemail. That is unacceptable. He just sent another email demanding an immediate response and my bank information routing number and account number. I told him the max i can do {$200.00} a month ( which is rough considering my divorce and husband not helping me with any bills ) and he said {$500.00}, then in an email XXXX said " I will take {$400.00} per month for 4 months, then the final remaining balance on the XXXX month, if you refuse, you can forward your attorney 's information and my client can begin the proceedings immediately. '' He is threatening to report me to the XXXX and I have already called them and they said they do not get involved in issues like that. But he insists. " XXXX  gets involved with fraud and unethical realtors, right now you are in one of those categories, along with unjust enrichment and a clear attempt to lie your way out of paying my client, which you put into writing '' This was my last correspondence with him Friday XXXX I am really concerned over how the numbers keep changing. You are a collection company NOT a law office as you represented yourself yesterday. By law you have to give 5 days notice not 24 hours as your first email stated that I received on XX/XX/XXXX. I am willing to work this out but I will not be intimidated with your tactics. I am a very easy person to work with. The agreed upon amount needs to be clarified. I DO NOT agree to your new number now. And the XXXX does not get involved in matters of this nature. I am now a single mother with a daughter in college and have to keep the mortgage paid and the lights on and even though my stats with closings look amazing. I only made a very small portion of the commission XXXX XXXX receives. Which is why I work in volume. I am confident we can come to an agreement. 


XXXX Now you just emailed The balance at this time is {$4600.00}. 
XX/XX/XXXX Our phone call You verbally told me the balance owed was {$400000.00} XX/XX/XXXX My current Broker got an email stating At this time, our expectation is that {$3700.00} will be redirected from any net commission proceeds due to from her current and future sales or leases. My current broker advised me to make arrangements which I did call and emailed XXXX on XX/XX/XXXX and no reply. 
XX/XX/XXXX This email is being sent to you regarding your outstanding commission advance. XXXX  can not in good conscience continue to carry your {$3700.00} commission advance balance. I replied disputing the amount and never got a reply from XXXX XXXX. 
XX/XX/XXXX My current broker got an email with this amount. The advances were performed against her sale of XXXX XXXX XXXX while working for XXXX XXXX. XXXX XXXX has not remitted payment in full to XXXX. As a result of time outstanding, his account balance currently owed is {$3600.00}. XXXX never replied XX/XX/XXXX The current balance for this XXXX  transaction is {$2100.00}. After alerting the XXXX XXXX  that XXXXXXXX XXXX XXXX never closed and I had no further closings with XXXX XXXX from XX/XX/XXXX to when I left that Broker in XXXX of XXXX. I did not hear from XXXX until XX/XX/XXXX. I responded and no one replied.

Company response to consumer: Closed with explanation