Kirkland Asset Management LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/29/2017	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90018	Web
XXXX called my mother XXXX XXXX on Wednesday, XX/XX/XXXX at approximately XXXX on her cell phone while she was at work looking for myself XXXX XXXX. My mother XXXX called me at XXXX on Wednesday, XX/XX/XXXX letting me know she spoke with XXXX . She then told me I need to call XXXX immediately and then gave me information on the amount of alleged debt which she stated stated is {$1400.00} and said that the debt was regarding a bad check to XXXX XXXX two years ago and that if I dont pay it, there would be consequences like negative marks on my credit and liens on property.She then texted me the phone number to XXXX to call him immediately. I then immediately contacted XXXX at XXXX XXXX and he answered immediately. I then asked why did he call a family member and give out my personal information. He said he thought he was speaking with me. I then asked why he did not verify that it was myself before he proceeded to give out confidential information. He then went on to say that he read the last 4 digits of my SSN and my mom said she knew the SSN, but he he didnt ask if it was XXXX XXXX he was speaking with. He then began to give her the information about the debt ( amount owed, date loan was taken out, reason for debt collection and who the debtor was ) and she then told him it was not myself but that she is my mother. He claims he then stopped giving her information and asked her to have me call him. But by then, she was aware of every detail of the account.XXXX does not dispute that he spoke to my mother and that they discussed terms of the alleged debt. I take issue with my personal information being discussed with family members without my permission. XXXX should have made sure he was or wasnt speaking with me before proceeding. I then called the number of ( XXXX ) XXXX at XXXX on the same day and a XXXX answered. I asked him the name of the company and XXXX last name. He then began to give me a run around and didnt want to give me the information, but finally relented and said the company is called XXXX XXXX XXXX and XXXX last name is XXXX. I asked for him to spell XXXX last name and he wouldnt. He asked why I wanted the information and I said its because I need to look into the case and do research to find out what is going on. I then asked for the physical mailing address of the company and he hung up in my face. I called back immediately at XXXX and asked why he hung up. XXXX claimed it was an accident and I then proceed to ask for the address which he responded with : why do I need the address and why am I asking all of these questions. I told him I may want to speak with an attorney and I need the information since I dont have any information on the case. He then said that he could email the info with everything I need and hes not going to give me the address and have the lawyer call for the address and hung up. As of now, I have not received any email and I keep checking my junk mail to see if it went there. I then called my mom to get her side of things and she said that the company had called her 3 times and left a generic collection voice mail. She called the number left on the VM thinking the debt was in regards to another matter. When she called, XXXX answered and did not ask for XXXX XXXX by name, he just proceeded to give her information about a bad check written to XXXX XXXX two years ago for the amount of {$14000.00}. She then asked him how does she owe {$1400.00}. He then said it is really more that is owed. She then disputed this and told him she never had an account at XXXX XXXX. He then asked for her SSN which she gave him and thats when he realized he wasnt speaking with me. He told her to have me contact him about the matter which is time sensitive. She then asked for more information and told him that she is my mother and thats when he asked for her to have me call him because its very urgent and if I dont call, action will be taken.
06/22/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MN 554XX	Web
I was contacted on XXXX by a company called XXXX. I asked what this was concerning and they said it had something to do with Legal Papers. I asked what type of company Kirkland Management was. They said they did not know. I was contacted the week prior by XXXX XXXX also. At that time, I did not disclose who I was and said I was a Friend of mine answering a phone call. They said I was to call XXXX for more info. I asked them as a 3rd party what it was concerning and they said it was a Judgement in a XXXX Court. Disclosing info such as this to an assumed 3rd party is illegal to my knowledge per the FDCPA, as is saying it concerns Legal Papers to a 1st party. I called Kirkland Management. The person that answered the phone was named XXXX. I asked XXXX what this was concerning. He did not give the company name or tell me they were a debt collection service upon answering. I asked what the Judgement in A XXXX court was about. He asked if I had a case ID. I said I did not. He verified my birthday and said the ID # was XXXX. He then put me on hold for XXXX minutes. At that point, XXXX answered. He told me the call was being recorded for quality assurance and that this was an attempt to collect a debt and that all info will be used for that purpose. He asked for the last four numbers of my SSN. I apprehensively gave them to him. I asked what was the Judgement in a XXXX Court was about. I asked if he knew that saying there was a Judgement in a XXXX Court was illegal per the FDCPA. He acknowledged that he knew that. We went back and forth over this and I told him that today they said it concerned Legal Papers. He would acknowledge this as being an illegal tactic also. I informed him that as a representative of Kirkland Management that it is as if Kirkland Management said it to me. He asked me if it was a recording or if I spoke to someone directly. I informed him I spoke to a person. His reply was " Wow! ". He said he would have liked to have heard what they said. I assured him that is what they said. He said he was n't calling me a liar, but again, would have liked to hear them say that. I told him I was filing a complaint with the FTC over these two issues. We went back and forth for a few more minutes before the call was terminated. Before hanging up, I told him not to call this number and that if they wanted to contact me, that they would have to do it through the mail. He said OK. I did record this call, but must buy the whole version of the app to do so. I will buy it when I get my next Social Security Check in XXXX.
04/23/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	NV 89131	Web
I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).
07/26/2017	No	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 950XX	Web
I received a call at my place of employment from XXXX XXXX from XXXX XXXX XXXX ( employee # XXXX ) from a local ( XXXX XXXX County, CA ) number. He stated my father was on the phone ( my father is deceased for 10+ years by the way ) They had the wrong name ( message was for XXXX ) and they said that I took out a payday loan from XXXX XXXX ' XXXX and stopped making payments. They said I have a remaining balance {$3600.00} ( I believe this is illegal per fair debt practices laws ). They are going to sue my " father '' - civil law suit - and file a XXXX form withholding his fed/state tax return to obtain the judgment to satisfy their request. They are also attempting to contact his employer to verify employment so they can garnish his wages. With questions call XXXX x XXXX Reference Case # XXXX. Then said " as per law, legally '' my father has been notified ( such as yourself ). I have a recording of the voicemail. I called their office and they would not transfer me to " XXXX XXXX '' and said they were with a law office. When I tried to ask more info they hung up when they realized I was n't " XXXX. '' They called again the next day from the same number ( XXXX ) and I answered and asked who they were calling from and they said XXXX XXXX County and asked me for the social security number for " XXXX '' and when I refused they got aggressive so I hung up. I called back and asked for the name of their company and they refused to tell me. I threatened to file a complaint so they transferred me to a manager. I spoke to the manager and she said they were XXXX and were based out of New York. They asked for the number I was getting calls but because it was a work number with a direct line and other lines connected, I was n't sure what number. They asked for " XXXX 's '' last name but I obviously did not have it. They asked how I knew it was regarding a payday loan and I said because you told me on the voicemail. I told them I was going to report them and they said " we know the laws, go right ahead. ''
05/07/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 75237	Web
Kirkland is attempting to collect on a debt for an illegal payday lender named XXXX. They have called my work number after I 've informed XXXX XXXX and another company affiliated with Kirland that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another XXXX of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. Kirland violated the FDCPA by contacting me at work after I 've asked the original creditor, Kirland 's affiliate, and Kirkland not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
04/10/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 335XX	Web
I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
06/26/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VA 23666	Web	Servicemember
I received a call from XXXX on Thursday, XX/XX/2015, around XXXX The representative did not identify their business even after I asked them. The rep stated that they were calling in reference to a claim for an XXXX debt but did not provide me any information concerning this debt. The rep stated that a legal courier would be coming tomorrow, Friday, XX/XX/2015, to deliver certified documents. The rep asked me about doing payment arrangements which I did not do as I had no information concerning this debt. My mom received a call from XXXX on Thursday, XX/XX/2015 from a rep who left a voicemail message identifying herself as XXXX. She left an ID number on the message. I looked up this toll free number in Google and found out that it belongs to Kirkland Asset Management. I would like this business to cease and desist all phone communication with me, family members, friends, and anyone associated with me effective immediately. I believe their communication with me violates the Fair Debt Collection Practices Act. Please investigate this business. Thanks
07/21/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WI 53213	Web
Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it
10/17/2017	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80817	Web
Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.
02/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 809XX	Web
I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?
04/25/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10562	Web
They called me repeatedly on my cell phone, left a message saying a potential claim being filed against me regarding a transaction that I previously authorized and if I want any outcome to be known to call XXXX and ask to be connected to the Pre Legal Department and reference XXXX. They proceeded to call a family member and demand my location. They keep calling my house, my place of employment and I do not know who they are. I want to be left alone.
05/08/2015	Yes	Credit card	Delinquent account	WV 253XX	Web
I was contacted by kirkland Management in New York saying I was going to be served papers and be sued if I did not pay. I told him my personal money situation and he said he was being nice and offered me a lower amount to pay them. They do have my information, but their pressure to comply and threatened to serve papers if I did not call them before Monday afternoon ( this is Friday afternoon ).
12/07/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	IA 50131	Web
Company called family members to threaten and harrass regarding an online payday loan that was opened via identity fraud. Did not listen at all, only escalated and yelled then hung up on me. Also called family members leaving same messages. All I have is the phone number of the company XXXX, beleive they said the company name was KM or something but could not make it out.
11/11/2015	No	Debt collection Credit card	False statements or representation Indicated committed crime not paying	NY 11570	Web
Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.
06/28/2017	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 44124	Web
I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	KS 66102	Web
Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
04/20/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 91784	Web	Older American
XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
04/29/2021	No	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	CA 90220	Web

02/02/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60803	Web

10/23/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13039	Web

07/25/2018	No	Mortgage Reverse mortgage	Trouble during payment process		Phone

02/06/2018	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 34786	Referral

01/12/2018	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NM 87102	Web

12/20/2017	No	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TN 37415	Web

10/10/2017	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 35758	Web

07/01/2017	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 43086	Web

01/18/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	OH 44147	Web

09/25/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	KS 66030	Web

06/10/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32708	Web

04/11/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	DE 19720	Web

03/11/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75707	Web

03/11/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	OH 45065	Web

02/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33018	Web

01/08/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77879	Web

11/12/2014	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	NC 28078	Web

11/10/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 78727	Web

10/31/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33187	Web

10/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MA 01069	Phone

10/14/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	GA 31206	Web

10/13/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 94545	Web

09/04/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 32835	Web

08/26/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30233	Web

07/17/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	KY 41071	Web

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NM 88003	Web

07/15/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	TX 77491	Web

06/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MA 01453	Phone

06/05/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90640	Web

05/30/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 19101	Web

05/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74017	Web

05/22/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 07086	Web

04/24/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77345	Web	Servicemember

04/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98003	Web

04/16/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IN 46120	Web

03/28/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 76710	Web