Complaint #1548461 submitted on 09/02/2015 relating to Western Portfolio Assets. Complaint relates to Debt collection Credit card - Communication tactics Threatened to take legal action.
Complaint was submitted via Web and sent to the company on Wednesday 2nd September 2015.
I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.
| Company | Western Portfolio Assets |
| Complaint ID | 1548461 |
| Date Received | 09/02/2015 |
| Product | Debt collection Credit card |
| Issue | Communication tactics Threatened to take legal action |
| State/ZIP Code | NJ 088XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company can't verify or dispute the facts in the complaint |
| Company Response To Customer | Closed |
| Submitted | Web 09/02/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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