Debt collection -- Took or threatened to take negative or legal action -- Complaint #4508956
Complaint Overview
Complaint ID: 4508956
Company: National Debt Holdings, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to arrest you or take you to jail if you do not pay
State: Texas
ZIP Code: 75062
Date Received: 2021-07-01T12:00:00-05:00
Date Sent to Company: 2021-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My mother received a phone call on XX/XX/XXXX from XXXX XXXX from phone # XXXX threating that she needed to provide him my info or he would have me served at my place of employment to be locked up by an officer and that he was trying to spare me the embarrassment and to give me IG # XXXX. When I called the phone number he left the rep. who answered did not identify herself when I asked the name of the company and the reason why they were reaching my mother? Instead asked for an IG # which I provided then started threating me stating I was a criminal and attempted to defraud the system and if I was familiar with a penal code? I then again asked reason for call she started making treats of taking me court which then I asked to speak to her superior. I then talked with XXXX XXXX who gave him is direct ph # XXXX and his company handles civil matters, they were a mediator for XXXX XXXX but that is was a debt collection call and didn't state why his employees were stating otherwise. I asked for a validation of debt which was not provided and also informed him they have now violated the FDCPA laws in place given threating and scare tactics not to mention mini Miranda not being read at the beginning of call.
Frequently Asked Questions
What is Complaint #4508956 about?
Complaint #4508956 was filed against National Debt Holdings, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-07-01T12:00:00-05:00.
How did National Debt Holdings, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Debt Holdings, LLC?
Yes, visit the National Debt Holdings, LLC company profile at readthecomplaint.com/company/national-debt-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.