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Report: #1299154

Complaint Review: COASTAL FINANCIAL SERVICE - Internet

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  • Reported By: kam186 — Gilbert Arizona USA
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  • COASTAL FINANCIAL SERVICE Internet USA

COASTAL FINANCIAL SERVICE CFS Threatened with lawsuit over unpaid payday loan that does not exist Internet

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I received a call with an automated system stating that a legal complaint was being filed against (my name), and to hold for a representative if I was (my name) or I knew his/her whereabouts. I spoke to a male representative who verified an old address of mine and read my social security number to me. I offered no information initially.

I asked what this was about, and he informed me that their collections agency client, "JBC PROCESSING", planned to file a criminal complaint against me because I allegedly took out a payday loan and closed the bank account that I supposedly gave them for payments. "In their eyes," he stated, "this was done to defraud the company," and they planned on pursuing legal recourse for fraud and the unpaid sums. I told them that they needed to send me all documentation of this in writing and offered to give my current address.

I was put on hold a couple of times throughout our conversation and eventually transferred to a woman, who stated she was a supervisor. I explained that I have never taken out a payday loan, and she told me that their client had information indicating otherwise and then she again referred to the closed bank account, giving me the name of an actual credit union that exists in my home town, which I was never a member of. I told her I needed written documentation and she refused, saying that documentation had been mailed to my old address since 2012 and that it was my responsibility to update my address with the creditor. I explained that I never took out this loan, and she said that since I was unwilling to resolve the issue today, she would let her customer know and that an official summons would be served to me. She said that by refusing to resolve the issue, I was waiving some legal right to contest the issue, which I told her was not the case.

After doing some research, I called back again pretending to want to pay the "debt". I requested the company's physical address so I could "mail a check", and they refused this information, saying that due to the nature of their business being non-solicitous, they did not give out this informtion, but that I could pay by visa or mastercard. They noted that it was the responsibility of "JBC PROCESSING" to validate the debt, so I asked for their contact information, which was denied. I was given excuses such as, "They have been trying to contact you since 2012", "they have already mailed you proof", and "if you don't have that proof, then you'll just have to present that information to a judge or magistrate in court." I asked why this debt didn't show up on my credit report, and the representative responded that she wasn't sure because she "doesn't work for the bureaus." Toward the end of the phone call I mentioned having been a paralegal for 5 years, and she immediately disconnected. 

This call was very convincing at first!! They HAVE personal information like prior addresses, SSNs, and even actual banking institutions in your area. Please be careful!

This report was posted on Ripoff Report on 04/11/2016 01:26 PM and is a permanent record located here: https://www.ripoffreport.com/reports/coastal-financial-service/internet/coastal-financial-service-cfs-threatened-with-lawsuit-over-unpaid-payday-loan-that-does-n-1299154. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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