Complaint #1662857 submitted on 11/19/2015 relating to ZENCO COLLECTION, LLC. Complaint relates to Debt collection Credit card - Taking/threatening an illegal action Threatened to sue on too old debt.
Complaint was submitted via Web and sent to the company on Thursday 19th November 2015.
On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.
Servicemember
| Company | ZENCO COLLECTION, LLC |
| Complaint ID | 1662857 |
| Date Received | 11/19/2015 |
| Product | Debt collection Credit card |
| Issue | Taking/threatening an illegal action Threatened to sue on too old debt |
| State/ZIP Code | NJ 080XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 11/19/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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