Future Judgement Solutions CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/17/2023	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 295XX	Web
I received a voicemail from a company called FJS Global. They said I was going to receive a summons at home or work if I did not contact them about this important matter. At the time I didnt even know it was about debt collection. I returned the call and was able to speak with XXXX. She told me about a debt that she said I had with XXXX XXXX XXXX from what she estimated was probably around the year 2000 or so. She couldnt give me a date. She could tell me what store the card was for either. At first she stated the original amount owed was around {$300.00}. Then she said with fees and all it was at around {$900.00}. She said I had to pay immediately to avoid receiving a summons. She said I should have received information in the mail from my XXXX XXXX about it. I stated I hadnt received anything from anyone about this alleged debt. She then offered me a settlement offer of {$700.00} to make this go away. She said I would be responsible for attorney and court fees if this went to court. I was encouraged to pay right away. She emailed me a form to put my credit card info on to submit payment and electronically sign. It was through hellosign. After viewing the document I was a little wary. She was still on the phone expecting me yo do it immediately with her still on the line. I told her I needed time to review the form and I was still at work so I would call her back. After work I tried to reach her and couldnt get her. She called me later that evening and I requested more information. I told her I wanted to check with the county to see if they ever sent a letter. She said they wouldnt be able to verify that for me because they wouldnt keep records of that. I also asked her to email me a copy of the letter that I was supposed to have received in the mail. It was called a demand letter. She sent it through hellosign too. The letter looked a little off to me. The original letter date stated XXXX but the body of the letter said XXXX. The amount on the letter said {$700.00} but she had told me the original amount was around {$900.00}. Also, this was supposed to be the original letter that was sent in the mail. If that were the case then why did it have todays date in the body of the letter. It just seemed strange to me. I told her I had went to their website and tried to obtain more information about my account but they the website link kept sending me to the XXXX home page. She hesitated and then said they were aware of the issue and had notified the secretary about it. There was also no contact info on the website other than the phone numbers and an address. I searched the address by XXXX maps and couldnt find this company listed at this address. Its an old area with a tiny strip mall with a roofing company and a chiropractor. No email or online contact information. I told her I would investigate further and call her back. I went online and found that a debt collector cant sue someone over a debt that has exceeded the statute of limitations in that state. Also, I still wasnt sure it was my debt. I called back and left a message stating this and have not received a return call at this point. The most worrisome thing about this is that she had my name, birthdate, current address, old address, and last XXXX of my social. This whole situation feels extremely strange to me. Is this a legitimate company or a scam?
07/21/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	ID 833XX	Web
FJS Global. Future Judgement Solutions, number # XXXX. XXXX XXXX, with an I. XXXX Another XXXX. Email was XXXX I no longer want anything to do with this company it is fake and fraudulent. All actions took place on the afternoon of XX/XX/2023. They said they recently acquired this old ( XXXX years ) auto default loan. They XXXX have said, In the last 30 days. The loan has been charged off/removed entirely from my credit reports. The loan was in Oregon I am not in Oregon any longer. A call ( XXXX, XXXX am ) came from XXXX and left a message that said, it is XXXX from document processing calling regarding a summon that is scheduled to be delivered by a process server to your home or place of employment. If no contact is established, this will be escalated and classified as a failure to be served. Any questions or concerns can be addressed at the issuing office by contacting them at XXXX. The afternoon ( XXXX, XXXX pm ) from XXXX, XXXX said, Its XXXX with FJS Global. I'm just following up with you in regards to the conversation we did have. Um, a couple of hours ago today. Um, if you can just go ahead and follow up with me on my direct phone number, um, that way we can get the file updated, uh, we would need to still obtain a final statement in regards to this. They left messages on my phone. I ended up calling back because they said a summons would be served but did not say what it was regarding. They told me my information when I called, my name, birth date, and even part of my social security number. They said they were calling to collect a debt ( a charged-off car loan ). I said I no longer had that debt. They said if I paid someone else it was probably fraud. They wanted me to call my bank right away to declare it fraud. After that they wanted me to call them back so that their lawyers might work with me on adjusting my debt if it was a fraud. ( In other words, lower it. ). They said the average payoff amount was usually XXXX % of what is owed. They said I owed {$6200.00}. They wanted me to call back before 4 pm my time to make arrangements or the lawyers would proceed with their actions. They asked for verification if the other company had sent me anything saying it was paid in full. ( I was an XXXX ) I sent them a paper, and they immediately phoned back to say the lawyers do not think that it was legit. ( RED FLAG : lawyers wouldnt respond that quickly. They would need more than XXXX minute ). They said that they tried calling the numbers on the paper and it only rang. I, just after this, called the numbers and immediately got a response. They told me that they just acquired the collection this year in the last 6 months. I phoned them back after researching collection requirements, and they even provided me with a license number # XXXX. They said it would show up as Future Judgement Solutions, not as XXXX. I also asked for a written verification letter sent to me in the mail, but they said they could not send that only email it. I never received anything in the mail regarding an old debt. They refused to give me any more information. The one calling me said her name was XXXX, with an I. Another one that answered the phone said her name was XXXX. Their email was XXXX XXXX
10/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32570	Web	Servicemember
In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with FJS Global, Future Judgement Solutions, XXXX XXXX XXXX, and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied XXXX XXXX XXXX Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank XXXX XXXX credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?
02/14/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NY 114XX	Web
On XX/XX/2023 I received a phone call from a company called FJS. A woman named XXXX XXXX informed me that she would be my case worker and will be helping me make a payment plan for the debt that I owe to a school I attended. She told me that I could either pay {$700.00} upfront OR pay the full amount of {$1200.00} over several months. I chose the monthly option. I was given a document to sign to confirm payment authorization but never a letter from them verifying my debt. ( I didnt know they were required to do this ). The following month, a second payment of {$210.00} was due on the XXXX. The money was never removed from my account so I got suspicious. I called them several times within the last week to verify some things and they have not answered my calls. Ive tried to find my account on their website, but the page kept saying error. It was impossible to track down my case worker, XXXX. She was on vacation for two weeks apparently, but even after the two weeks I still havent heard a word from her. I asked my bank to block them. Today, XX/XX/XXXX, after I called for several days and blocked them, they finally called me back. After doing my research, I decided it was best I ask for a verification letter because I never received one and am no longer sure this company is legit.
12/14/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 246XX	Web
FJS Global in XXXX, Wy has contacted several time about a debt they say was turned over to their company from XXXX card services. I contacted XXXX card services myself. They stated that theyve never had or have now an account ( charged off or active ) in my name. Theres nothing on my credit report showing that debt. Ive spoke with FJS Global and requested information on the debt but they continue to harass me to pay the debt which is over {$3000.00}. Ive also written a letter and mailed it to the address on the website and have yet to receive a response. I have never received any written notification by mail for the debt. The phone numbers theyve contacted me from are as follows : XXXX, XXXX, XXXX and XXXX. How do get the information on the debt and how to I get them to stop harassing me? Thank you for your time.
12/19/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
FJSglobal says I owe {$1300.00} to XXXX XXXXXXXX XXXX, they say its a charge off,,, I never did business with any XXXX XXXX XXXXXXXX Now this FJSGlobal wants me to set up payment arrangements to pay off this debt or pay a one time settlement if XXXX I sent them an email message that they have the wrong person or they are creating fictitious debt to people to pay on something they do not owe. This phone call from FJSglobsl was received on XX/XX/2022, so I went online and saw the information in my name regarding g a XXXX XXXX XXXXXXXX
06/02/2023	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27560	Web
XX/XX/23 FJS Global contacted me in regards to a debt I supposedly still owe, which would be over XXXX XXXX XXXX at this point. They stated that I there had been written notices sent about the debt, which I have never received, nor ever been contacted about before. I was threatened with wage garnishment and being served at my home or place of employment by a process server.
07/24/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	UT 84015	Web	Servicemember
FJS Global keeps trying to contact me over someone else 's debt. I have had my phone number for approx 15 years and I am not the person that they are trying to contact. I have told them multiple times to stop contacting me and they keep trying to contact me about monthly. I have spoken to representatives multiple times to stop calling and they haven't.
01/24/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 773XX	Web	Servicemember

01/05/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 324XX	Web	Servicemember

01/04/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Phone

12/27/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MS 39206	Web	Older American

12/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 53208	Web

11/09/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80127	Web

10/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28266	Phone

09/25/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 14620	Web

07/21/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77047	Phone

07/15/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 45252	Web

04/25/2023	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 53032	Web	Servicemember

04/08/2023	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37034	Web	Older American