CFPB Complaint

Perfection Collection – CFPB Complaint ID 2751695

Consumer Complaint Submission

Date Received: 2017-12-11T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX at approximately XXXX I received a phone call from someone claiming to be from the XXXX County States Attorney office indicating they had an order to subpoena me for a court hearing that needed to be delivered to me as quickly as possible so I can avoid further consequences and possible jail time. They indicated that they would be arriving at my home within an hour and asked if I was home. I said no, and asked what it was about. The young man calling indicated that he was just hired to deliver the subpoena and did not know what it was about, but that I should call an XXXX # and they would be able to reschedule, and if I did not call it would be declared as negligence on my part. I told him I would take time off work and meet him at home or that he could bring it to my office. He indicated he had to follow strict scheduling directions and again I should call the XXXX # to reschedule so that there is a record of my compliance.

After hanging up the phone I thought for a while what this may be about. At approximately XXXX I called the XXXX, I was immediately told that this was an attempt to collect a debt. I told them I was calling about a subpoena that was to be delivered to me. The person I spoke with said that the subpoena could be avoided if I ” took care ” of my debt. I asked him to explain what debt he was talking about and he mentioned a debt that was on my credit report that I had already spoken to a collection agency on and explained that I had never lived at the address they indicated nor had I ever done business with the company they mentioned. It was a home alarm system company, I told them I never had a home alarm system in my home, ever.

They said the address looked like it belonged to a family member and that I should call them and get them to pay this debt. I told them I did know the name of the person but had no idea how I could contact them, but would try to figure it out. After hanging up I thought about it for a bit longer and decided I had no idea how to go about this. I called the company back and told them I would rather handle it with the court as they had originally indicated and asked them to send me the court documents so I can go testify that this was not my debt. They said they would send me documentation.

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No documentation has ever been received.

Today, XX/XX/XXXX I received a phone call and vice mail from a person identifying himself as XXXX XXXX, no other information is given. The message is as follows : ‘This is XXXX XXXX I am placing this call today regards to paperwork received by my office from one of our clients it states that documents were sent to your house and you failed to respond. Due to the nature of this claim it is imperative that you or your attorney contact he office immediately at XXXX. Unfortunately if I do not hear from you I will have to mark this as a refusal to comply which may result in further action. Again my number is XXXX. ‘ I called the XXXX # and XXXX XXXX answered the phone, I told him I was calling back regarding a call I had received. Before I could tell him what the call was about he indicated that the last time they spoke with me was in XX/XX/XXXX and that I had indicated that the person responsible was a family member. He continued to say that all communication had stopped and I never called back. I told him that I had called and asked that the subpoena be issued becasue I had no idea how to clear up that I was not responsible to this debt and that I was not the one who indicated it was a family member that they were the ones who told me it was. I also asked what company he was calling from he said Account XXXX XXXX. I told him that I had indicated that I would like to be subpoenaed. He became aggressive saying that I owed this money and I had to pay it or I would have negative consequences. I told him that the tactic they were using was illegal and I would be reporting them becasue they were telling me I needed to go to court and were threatening going to jail.

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He denied that anyone would be threatening me with going to jail, said that they comply with all state and federal laws and that they were not a collection agency so some of the laws did not apply to them, however because I was lying to him about the threat of jail time he could no longer believe anything I said and would have to end the call. He hung up.

The best I can gather from these calls is the following information : : It was applied for in XX/XX/XXXX ( a home security system ) Place into debt in XX/XX/XXXX The caller is a mediation company named Account XXXX XXXX.
Their client is Perfection Collection.

Company: Perfection Collection

State/Zip: IL 605XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2751695

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