CFPB Complaint

JTM Capital Management, LLC – CFPB Complaint 2018-10-05

Consumer Complaint Submission

Date Received: 2018-10-05

Product: Payday loan debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX at XXXX XXXX a voicemail message was received from a man named XXXX stating he was a private courier commissioned in the State of Alabama was calling to notify us of sealed legal documents he needed to deliver to us. He said the documents required my husbands signature in order for him to release them he said ” so I’m headed to your address in XXXX County shortly and when he arrived my husband needed to be available with a state issued ID in order to sign for the documents he said if we were not there he would then go to my husbands place of employment. He said if we had any questions or if we would prefer to schedule a time and a place that my husband could be to meet him to contact the filing party at ( XXXX ) XXXX-XXXX and mention case # XXXX.

I called the number back and a man named XXXX answered the phone. The company name he gave was XXXX XXXX. He said this was concerning a loan my husband made online and they were now suing us. I asked him to provide me with the circuit court case number in my county, as well as the attorney representing XXXX XXXX ( the lender ) and he said he didn’t have it. That he will get my information to his ” client ” and I will be hearing from them. He mentioned the client name was JTM Capital Management on behalf of XXXX XXXX. I hung up the phone with him and began doing research. There is not a lawsuit filed under XXXX XXXX, JTM Capital Management, or XXXX XXXX against myself or my husband. The county requires process servers to have license numbers which ” XXXX ” nor ” XXXX ” provided in any communications, and the company XXXX XXXX is located in New York, and is a collection agency which states this is an attempt to collect a debt on their website.

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I called ” XXXX ” back on the number ” XXXX ” left on the voicemail and he yet again had no answers for me. Nor would he provide me any contact information to his ” clients ” he was fairly rude when I informed him of what I had found out about the company he works for and started raising his voice which made me feel uncomfortable so I ended the phone call by hanging up.

This company is attempting to inflict fear upon consumers at any length in order for them to make their commission for the month in their call center. The background noise of both the voicemail from ” XXXX ” and ” XXXX ” were very similar of other men leaving the same messages for other people. It really was not difficult to discover what this company was attempting to do, as well as discover that their collection practices are illegal.


It is very frightening to have strangers with no legal ground threatening to come to my home. I have the voice mail ” XXXX ” left saved on my phone and will be more than happy to play it, as he is stating he is commissioned in the state of Alabama which would require him to provide me with information proving that as true

Company: JTM Capital Management, LLC

State/Zip: AL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3038762

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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