Oracle Financial Group LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/21/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32277	Web
XXXX Obtained payday loan for an emergency vehicle repair. Was unable to repay in a timely manner, debt defaulted and was turned over to collections. XX/XX/XXXXReceived call from a representative XXXX XXXX from Oracle Financial Group, LLC to discuss making payment arrangements through the collection agency for the previously defaulted payday loan. I agreed to set up monthly payments of {$XXXX} to be processed automatically from my personal checking account. Was assured by the representative if something were to happen I could call and discuss any issues I might have with making the payments. Letter was emailed to me verifying the payment arrangements including dates to be withdrawn and the amounts. XX/XX/XXXX XXXX Made multiple attempts to contact XXXX XXXX to discuss an extension on the payment arrangement for XXXX ( our family suffered financial hardship during hurricane Irma ). No response to any voicemail messages or the email I sent. XX/XX/XXXXXXXX Sent an email to XXXX XXXX stating that I had made multiple attempts to call and needed acknowledgement that the company knew I was unable to pay based on the original agreement. XX/XX/XXXX XXXX Message was left on my voicemail from a man named XXXX XXXX XXXX unknown representative who has never spoken to me about my case. XXXX stated he received the email I sent to XXXX XXXX and requested I call back. XX/XX/XXXX XXXX Called XXXX XXXX back as requested, no answer on his phone line. Left a short message explaining I needed a call back immediately and that I had been attempting to reach my account manager for more than 24 hours. XX/XX/XXXXXXXX Phone call was returned by XXXX XXXX XXXX stated over the phone that XXXX XXXX was out of the office and that he was supervising XXXX XXXX XXXX emails while XXXX XXXX was away. I began explaining about the financial hardship suffered through the hurricane and stated I needed a one-time extension or different arrangement only for the payment due in XXXX ( I had missed an entire week of work, we had no power for days, and our emergency funds were depleted on gas and other supplies through the storm ). XXXX XXXX TOLD me, not asked me, that our area of XXXX was not affected at all by the storm and that the payment had already been put into the system for processing. I argued that I have not had any issue making payments up until now and that I was not asking for the payment to be waived, just extended, so I could feed my son and keep gas in my car to go to work. I was harassed by XXXX XXXX stating that I had already agreed to make these payments and that {$XXXX} was " not a big deal '' and " you should be able to do just fine without {$XXXX} '', also had comments made to me like " my grandma lives in XXXX and she was perfectly fine ... your area was n't hit at all by the storm or affected at all '' ( we had record flooding, some areas are still working on getting power back, and those of us who work contract jobs had no way to even earn money while offices were closed and we were trapped by the water ). I told him that XXXX XXXX assured me when I made this arrangement that if I needed to call him with an issue that I could, to which I was answered with rude sarcastic remarks ( " XXXX XXXX is entitled to have a life outside of this office and too bad if he is n't here, and I do n't know who originally agreed to only let you pay {$XXXX} a month but that is a ridiculously low amount to be paying '' ). He then asserted that he works for attorneys and that they could have my license suspended and/or have me jailed for not honoring these payment arrangements, or they could sue me if I refused to pay. Even after I tried to explain that this was the only money I had to feed my child and put gas in my car for work, he refused to negotiate any other arrangement and continued cutting me off telling me that my area was not affected at all and that we had not problems whatsoever with our power and banking systems here. I asked to speak to someone else and he refused to allow me to speak with anyone else in his office, declaring that there was no one else there to speak to and they would n't help me anyway. I told him to have XXXX XXXX call me and hung up the phone. I was shaking, in tears, panicking about what to do because he not only would not accommodate a one-time request to simply extend the due date ( I never asked to defer it or waive the payment requirement for the month, just simply give me a couple more weeks to get another regular paycheck in ), and now am faced with even deeper financial struggle because this person refused to work with me in any way on the debt arrangement I made with Oracle.
04/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53151	Web
On XX/XX/XXXX, XXXX XXXX called me and left me a voicemail stating that she was contacting me regarding a pending lawsuit and she was a hired arbitrator. I returned her call. She advised me a debt was owed and that she would send me written confirmation of the debt. I confirmed my mailing and email addresses. At that time, I also established a payment arrangement to pay {$200.00} on the XXXX of each month and provided my debit card. Rather than taking out {$200.00}, Oracle debited {$200.00}. I assumed that the additional {$6.00} was a credit card fee charge, and even though I was not informed that I would be charged a fee, I did not call to dispute it. Oracle took out a payment on XX/XX/XXXX and again on XX/XX/XXXX. In XXXX and XXXX, they debited my checking account {$200.00} and {$200.00} respectively on the XXXX. In XX/XX/XXXX, they debited my account without my permission on both the XXXX of XXXX and the XXXX of XXXX. They also debited two payments in XXXX ( XXXX and XXXX ). I did not authorize them to deduct any more than {$200.00} on the XXXX of each month. I spoke with XXXX XXXX on XX/XX/XXXX, and told her I would like the {$410.00} refunded to me. She offered to not have the monthly payment withdrawn for two months. I declined that and advised her I needed the funds returned since the additional and unauthorized payments caused my checking account balance to be negative. She told me she would have the {$410.00} credited back to my checking account and she would call me back later that day to tell me when to expect the credit to my checking account to occur. I also again requested confirmation and verification of the debt owed as well as the balance owed. She assured me she would email it to me by the end of the day as well as call me. I did not receive a call or email, so I called her on XX/XX/XXXX to confirm the status of the repayment and verification. She told me she would have someone email me the debt verification by the end of the day, and I confirmed my email address with her twice. She told me that I would have the {$410.00} back in my checking account by Monday ( XX/XX/XXXX ). On Monday, XX/XX/XXXX, I called and asked to speak with a supervisor. I was transferred to XXXX. He offered to lower my debt by {$400.00} for the inconvenience of the error, rather than refund me the two unauthorized payments. I advised him I needed the {$410.00} returned to me. He said that the request had NOT been submitted to their payment department and he would transfer me. XXXX lied to me twice clearly stating that the funds had been requested to be returned and would be returned by XX/XX/XXXX. This was not true per the supervisor and the payment department. I advised XXXX I still had not received confirmation of the debt or a balance owed. He said he was a floor supervisor but was standing by XXXX and would have her email me the debt verification immediately. I again confirmed my email address. I was then transferred to Ms. XXXX in the payment processing department. She told me to dispute the unauthorized payments with my bank because it would be faster. She could request the funds be returned but it would take 3-5 days for me to receive it. I called my bank and they stated I was unable to dispute the payments because it was a billing issue and needed to be handled by the merchant ( Oracle ) since I had allowed Oracle to take out funds once a month. They stated it did not matter that the two extra payments of XX/XX/XXXX and XX/XX/XXXX were not authorized and that it was a billing error. I called MsXXXX XXXX back at her direct line and left a voicemail advising her of what my bank told me and asked that she initiate the process to have the {$410.00} refunded immediately and return my call confirming that. I have still not received a return call verifying that the process of returning the funds has been initiated and I still have not received a debt verification.
06/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 19150	Web
Oracle Financial Group contacted me TODAY, XX/XX/XXXX, FOR THE FIRST TIME EVER. Their rep threatened me with litigation, and said that I WOULD HAVE TO PAY THEM {$1000.00} BY TOMORROW, XXXX XXXX after I requested documentataion. Oracle is claiming that I owe on a defaulted installment loan from XXXX ( XXXX XXXX ) that I took out via internet XX/XX/XXXX while I resided in XXXX. I called XXXX XXXX of Oracle today after he left me a voicemail this morning. During our call, he said that : ( 1 ) I owed Oracle {$2600.00} on the XXXX loan ; ( 2 ) I made {$1500.00} in payments to XXXX but defaulted ; ( 3 ) Oracle would file suit in XXXX if I did n't pay in full ; ( 4 ) they would get a judgment that would exceed {$4000.00} after fees ; and ( XXXX ) they would garnish my wages. XXXX XXXX said I could make a {$1500.00} lump sum payment to settle the debt. I said that I get XXXX and that I am not working. I also said I could n't afford to settle. I asked to get the suit moved to XXXX where I reside now. He said it was possible. He then offered me a settlement of {$1000.00}, and said that the payments could be stretched out to 90 days. He asked if I could borrow it, or put it on mine or someone else 's credit card. I said I could n't. He asked for credit card information, then suggested I get a prepaid card when I said I did n't have it. He said I 'd have to pay immediately in weekly or biweekly payments. I said I could try to pay up to {$170.00}, and then make more payments - but I needed to figure out how or if I could manage it. We agreed to talk again on Monday, XX/XX/XXXX. I also asked for documentation of the debt. He then said he would give me a letter stating the debt was resolved after I paid in full. Later in the day on XXXX XXXX, I contacted the CFPB for guidance. I then called XXXX XXXX again, left a voicemail, and we spoke again at XXXX when he called back. I felt uneasy about Oracle. So, I told XXXX XXXX that my uncle was thinking about helping me, but he insisted I get more information. I asked XXXX XXXX for a street address and he was evasive. He directed me to Oracle 's website. I googled it and found it while we were talking. I told him that there was no mailing address on their site. He then gave a PO Box and said correspondence and payments could be sent there. I asked for a street address again and he was hostile. I asked for his license number. He said " I do n't have one, but, my company is licensed in every state. '' I asked if someone he was working with in his company had a license number, and he said no. He said I could go to XXXX 's State Dept website to get their company ID # and see that they had been in business 6 years. I asked him for the ID #. He said that he did n't know it. He kept interrupting me and said, " this call did n't sit well with him '' and I was " asking him to jump through hoops. '' I stated that " I refused to discuss this any further until I received a written debt validation notice with the : ( 1 ) debt amount, ( 2 ) debtor 's name, and ( 3 ) a description of my rights under the fair credit debt protection act. '' He refused to provide a letter and said " clearly you know you '' made payments, and that my " consecutive payments from XX/XX/XXXX to XX/XX/XXXX is my verification ''. He argued, but later said that HE WAS EMAILING ME A LETTER " TODAY '' STATING THAT : ( 1 ) MY DEBT WAS {$2600.00}, AND ( 2 ) THAT I OWED {$1000.00} AND IT WAS DUE TODAY. He said too that " the email would go to the address I used to get the XXXX loan, XXXXXXXXXXXX ''. A few moments later, he said the {$1000.00} was now due tomorrow. He said " if that was n't good enough '' he would " secure this another way. '' He said I " would have to deal with the consequences. '' He then said " good luck '' and hung up on me. I had not received XXXX XXXX 's email as of XXXX today ( XX/XX/XXXX ).
12/24/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	RI 028XX	Web	Servicemember
I received a call from " Oracle Financial Group '' at number XXXX, on XXXX XXXX, XXXX I, spoke with XXXX XXXX she said I owe {$600.00} for a payday loan I took out in XXXX. XXXX XXXX said I would be given time to research my debt, I told her I did n't owe a payday loan, then she gave me a number XXXX to " XXXX XXXX, '' whom she said passed the loan to her company and would have info on the original loan. The next day, I called XXXX back because that number did not work. I asked to speak with the manager and spoke to XXXX XXXX, I was told that paperwork had been processed and, I would be given a court date by the next day if I did n't settle the dispute for {$500.00} that day. I repeatedly asked how is this being processed so fast as, I was just made aware of the situation the day before, and was told I would be given time to research the loan. I was given another number at XXXX to call to see whom I owed a payday loan to. I called, and got a voice recording that I was contacting the " XXXX XXXX XXXX XXXX '' and, after entering my social I was given the message " Sorry we can not locate any records. '' I then called Oracle Financial Group and went back and forth with XXXX XXXX for about XXXX minutes as to why I did n't owe a payday loan. XXXX XXXX then called me from number XXXX, she claimed I owed the payday loan and had to pay now because they were closing or else there would be consequences, we were on the phone for another XXXX minutes. I also complained to XXXX XXXX that I had received no notice until the day before and I was brushed off, she kept stating she has no idea where the loan came from and, now that it 's in her hands I had to pay that day or I was going to court. I was bullied into paying {$500.00} on XXXX XXXX, XXXX, over the phone in order to avoid a court date. I then complained to XXXX XXXX that she may be hearing from a lawyer and, that I will be looking into getting my money back because what she was doing was wrong and I do n't owe on a loan, she stated " Oh no, '' in a sarcastic tone and that was the end of our conversation. I received general information about the transaction from XXXX XXXX but I was told I would receive an official receipt in my email from " payscout '' and, that I was to sign it to make it official then email it back. I never received a receipt from her so I emailed her on XXXX XXXX, XXXX asking for the receipt and I still never received anything. I 'm in the military and go away sometime, so I checked at my old and new address to see if I may have received a warning letter about paying the payday loan, but after I had time to research I found I had received no notice. I went further and requested bank statements from XXXX from my bank, which took a while, but when I got them I found I never took out a payday loan in XXXX. I 've taken out XXXX payday loan in my life and that was in XXXX for {$200.00} with XXXX and that bank statement is attached and highlighted showing it was paid off. I have links attached supporting that Oracle Financial Group is a scam. I also have all of my bank statements from XXXX showing I did not take out a payday loan that year and, statements from XXXX XXXX, XXXX where I paid Oracle Financial Group, attached. I also have the email exchanges between me and XXXX XXXX, as well as, records of the phone calls I had with Oracle Financial Group and, my attempts to contact Money Management, the phone numbers are underlined, attached. As I understand all of my consumer rights were violated under the Fair Debt Collection Practices Act. Section, 809. I was never given official warnings, therefore I was not given 30 days to dispute the debt, I was not given the name of a real creditor I owed to and, the collection was not an actual debt I owed.
11/06/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	AL 361XX	Web
I am writing to file a complaint against Oracle Financial Group in New York a debt collection agency. I called Oracle Financial Group to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of Oracle Financial Group who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of Oracle Financial Group that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to Oracle Financial Group. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of Oracle Financial Group said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of Oracle Financial Group said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of Oracle Financial Group began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of Oracle Financial Group said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the Operator of Oracle Financial Group said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of Oracle Financial Group said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of Oracle Financial Group upset me real bad.
04/25/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	DE 19711	Web
XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. - At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. - At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. - At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.
04/28/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91304	Web
I took out an advanced payday loan in the amount of {$500.00} while struggling through college in " XXXX XXXX ''. At the time I was working part time in between classes and was soon getting ready to graduate in XXXX XXXX . I anticipated paying the loan back a fter two weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements. Fast forward to XXXX XXXX -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me. I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.
05/19/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90034	Web
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
11/15/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 630XX	Web
On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.
03/06/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60174	Web
Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.
08/03/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92651	Web
Oracle Financial Group XXXX XXXX XXXX XXXX NY XXXX Toll Free : XXXX www.oraclegroupllc.com XXXX XXXX , 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Original Creditor : XXXX XXXX XXXX Balance : {$4000.00} Reference : XXXX Account ID : XXXX Dear XXXX XXXX , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at XXXX during normal business hours. Monday - Thursday XXXX XXXX - XXXX XXXX EST ; Friday XXXX XXXX - XXXX XXXX EST ; and Saturday XXXX XXXX - XXXX XXXX EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully, XXXX XXXX Collection Manager
04/05/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 45251	Web
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.
08/17/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	OH 443XX	Web
XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.
03/13/2017	No	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 75039	Web
Someone continues to call me from a company called Oracle Group. She originally continued to call me XXXX. XXXX is my middle name but she continued to reference it as my last name which led me to believe this could be a mistake. This person calls both my work and cell phone numbers and is very rude and aggressive. She gives the name of XXXX and can be reached at XXXX. She has called me from XXXX and XXXX. When I ask for her to send me something written so that I can verify what she is describing before speaking with her she refuses to do so, tells me the call is going to go how she wants it to and that she 'll only send me something once we 've reached an agreement and then eventually she hangs up as I continue to repeat I 'll only speak with her if I can see something in writing first. She is very mean spirited and refuses to provide me with any kind of written information. She initially said she would email me but then changed even that and said only under her terms would it go and that I was trying to control the call and that 's not how things worked. She then threatened to call my supervisor 's at my job and to send them a POE ( but would not tell me what that meant ). I will not be bullied into provided my personal and financial info over the phone to someone who will not send me anything in writing. It is extremely unprofessional and condescending.
07/01/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	CA 92107	Web	Servicemember
This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. " Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "
03/29/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ 07010	Web
I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.
10/12/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	TX 76240	Web	Older American, Servicemember
A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.
02/23/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 79912	Web
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.
10/14/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	OH 445XX	Web
XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. XXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. When XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. XXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.
08/23/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77477	Web
On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me and hung up in my face.
02/12/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 95825	Web
The company keeps calling me once on XXXX XXXX2018 at XXXX XXXX And threatening to sue me and send me a complaint summons. I paid half of my loan off through oracle financial group LLC . I paid XXXX And they were supposed to take the final payment but it never came out of my account. They keep harassing me and I called the actual payday loan company and check to see how much I owed and the original payday lender keeps saying I owe the same amount from before I paid the XXXX. They also are threatening to freeze my accounts and garnish my IRS refund. Instead of sending me letters with how much I owe they keep calling me. They never sent me a receipt for the half of the loan I paid off. I am not comfortable with paying for the other half of what I owe if I dont have a receipt for the previous half. i feel like they are using threatening illegal debt collecting practices with me. They called on XX/XX/XXXX at XXXX XXXX and told me that they are trying send me with a summons complaint and that it was sent back and to call their mail room as well as they are charging me with fraud.
08/08/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NV 89511	Web
Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am. When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.
12/19/2018	Yes	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	TX 765XX	Web
on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.
08/10/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NY 120XX	Web
This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;
07/12/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL 33018	Web
XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.
10/14/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78748	Web
XXXX : I receive a call from XXXX. Caller leaves voicemail, identifies self as " XXXX XXXX '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number XXXX ext XXXX and ends call with " you've been notified and good luck ''. XXXX : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to get a statement from me before they reach out to my employers. At no point does she inform either of us she is trying to collect a debt and she misrepresented herself and the situation to be about a pending legal issue. I call the XXXX # and the automation says it is OFG LLC, a debt collection company. I believe this may be a scam, but either way, she used legalese and scare tactics to try and get me to call her.
04/13/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33612	Web
These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again
05/24/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 377XX	Web
XXXX XXXX with OFG LLC, XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later. XXXX XXXX stated I took out a loan with XXXX XXXX and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger XXXX XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for XXXX XXXX XXXX and OFG LLC.
05/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75007	Web
On today, XXXX XXXX XXXX I received a call at XXXX to my cell phone and XXXX to my work phone by someone stating they were XXXX XXXX XXXX He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the XXXX number left in the message and it matched to Oracle Financial Group LLP ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.
09/24/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 38118	Web
I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
01/29/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 34746	Web
My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NM 881XX	Web
On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.
09/06/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 446XX	Web
Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.
02/21/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 242XX	Web
I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.
08/04/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	IN 47909	Web
XXXX XXXX from Oracle Financial or Unified PS Group. She left me a message stating that they were trying to reach my sister, XXXX and that she was being investigated for Fraud and that the debt was tied to my social security number. When I called her back at XXXX she was very rude, and would not give me any information on the debt. She also would not give me an address of where her business was. I requested that she stop calling me and she proceeded to tell me that she could not do that. She said she was on a conference call and would call me back, I told her not to bother and then she hung up on me. She has called me 7 times since XXXX/XXXX/15. I have not given her any of my personal information but my sister has. When I googled XXXX XXXX and the phone number, it comes up as a scam. Please shut these people down! At minimum, have them stop calling me!
06/01/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 45750	Web	Servicemember
I was contacted by a man from Oracle Financial Group LLC that said he was an attorney. He stated that I owed $ XXXX with XXXX XXXX. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all
12/03/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 758XX	Web
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.
02/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TX 770XX	Web
First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. This company is calling people to scare them into paying a debt they've purchased unvalidated debts.
06/03/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	MD 21740	Web
This company called my parents asking for me. They asked personal information like where I live, where I work, etc. My parents refused the information and the man on the phone threatened that he will find me sooner or later and that I am being served papers due to an unpaid debt. He would not give information about the debt, would not give his company name, and only gave a very generic name, " XXXX XXXX ''. I do not currently have any debts that are within the Statute of Limitations in the state of Maryland. The man on the phone also stated that he will send the summons to my home or place of employment. He stated that it would be very embarrassing to send to my employment so I should contact him as soon as possible to provide the correct information.
09/28/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MO 63901	Web
This is the number I received and my husband received on his phone from Oracle Financial in New York. XXXX.a man by the name XXXX XXXX he stated. He was going to have me arrested if I did not go in to XXXX XXXX Friday XX/XX/XXXX to pay on my now XXXX pay day loan. He said I frauded them when I took put the loan. I had an account and money going into it. I called back and he did not answer, so I left him a message I would be in Friday with XXXX dollars and XX/XX/XXXX with a XXXX.and pay it off in XX/XX/XXXX. I also told him it was a recorded phone call on my phone and also he was violating the FDCPA by threatening me of being arrested. He said that on his end on the call we received the warrant would be issued this weekend if I did not pay.
08/19/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 33610	Web
Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 782XX	Web	Servicemember
I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!
10/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78613	Web
Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.
05/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38119	Web
I keep recieving calls from a company, OSC-LLC, phone number XXXX, trying to contact a person who does not live in my house. I get a recorded message saying to press a button to speak to a representative, or to call back with the case # # # # # #. I have called back to this company and informed them that the person they are looking for is not a member of my household and to stop calling me. Last week I spoke to a male at this company and was assured that they would take my number off of thier list. Today, XXXX, I recieve another message from the same company. I am going to call them back XXXX more time and get an address to send a letter from my attorney.
04/22/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	GA 30012	Web
This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! Below are the list of other # 's she calls XXXX
05/26/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 77450	Web
The name of the company is Oracle rep calling XXXX XXXX XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and XXXX XXXX called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with XXXX XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on X/XX/2017 once, XXXX once, XXXX twice, XXXX twice and the XXXX three times and that was when she spoke with my supervisor.
07/06/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	OH 43015	Web
I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and XXXX XXXX XXXX
06/27/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78043	Web
Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. Gave the phone number to call back : XXXX
08/04/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	FL 32607	Web
This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions
07/20/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92647	Web
There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
05/21/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 78660	Web
Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims
09/10/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 38104	Web
Most of the issues above describe what this company has been up to. They have called my employer with threatening calls on taking leagal action, they have called my family with the same thing, they have called friends, neighbors etc. Most of these people they had to search for. They have harassed, made threats, etc. They refuse to send anything via postal mail and lie about it when asked. They have refused to provide any information on the company and have been asked XXXX not to contact me via phone, but again refuse to contact me via postal mail. They are a menace.
08/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68127	Web
Multiple harassing calls from OFG LLC ( XXXX ) asking for XXXX XXXX. XXXX is my wife 's ex-husband 's wife. My wife and ex-husband have been divorced for 20+ years. I 've asked them to stop calling, I 've attempted to explain that XXXX has n't ever lived at my place or had my phone number, but nothing seems to help. I 've told them multiple times that future calls will be considered harassment, but they continue to call, asking me to leave a message for XXXX or to put XXXX on the line. Representatives are rude and belligerent, making crude remarks and cursing at me.
10/20/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	OH 43560	Web
A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.
12/18/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	WA 98032	Web
I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for Oracle Financial Group on XXXX XXXX, 2015 at XXXX XXXX PST. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
05/10/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45212	Web
On XX/XX/XXXX I was given a call by Oracle Financial Group LLC by XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.
05/08/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77375	Web	Servicemember
A man by the name of XXXX XXXX with a company named Oracle from phone number XXXX calls my cell and several numbers at my work leaving messages that he is trying to reach me regarding a legal matter which is causing my supervisor to be concerned. I returned his call and told him I can not receive calls at my work, that the account he is calling me about is not mine and for him to please stop calling me. He continues to call and leave messages. I can lose my job if this continues.
04/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	FL 33313	Web
A guy name XXXX XXXX from Oracle 's financial debt collection told me I had to pay XXXX or the court will garnish my wages I block his number because I know I dont owe the XXXX XXXX XXXX no money then the next day a woman name XXXX XXXX said she was his boss and that she from finalization and she need the money or the court will see me I dont know how these scammers got my information my address my phone number my email I dont know how I am very upset I'm gon na to the cops!!!!!!
10/31/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92065	Web
I have received calls from Oracle Group LLC employee XXXX XXXX on both my work phone # and my work cell phone. I have asked him repeatedly to NOT call me at work on either telephone number. But yesterday and today I have received calls on both lines. In addition he left a voice mail at my work at XXXX PST stating he would like free medical advice and then said But XXXX you like getting things for free. I will be contacting your employer. This is inappropriate and unacceptable.
05/19/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11221	Web
In a attempt to purchase XXXX , I was instructed by Oracle corporation to Email money to : XXXX XXXX XXXX . I sent {$56.00}. As it was a cash transaction XXXX , said it could take no action.I will contact XXXX XXXX next. Oracle -Transaction XXXX . No XXXX have been received and their is no response from that Email address or so far from Oracle. The money was sent through XXXX - Payment For XXXX XXXX Transaction XXXX
04/28/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 355XX	Web
I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.
04/01/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 773XX	Web
I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.
04/22/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL XXXXX	Web
Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a debt.
10/02/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 38116	Web
XXXX XXXX FROM ORACLE GROUP CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND XXXX WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
06/13/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	VA 242XX	Web
Person by the name of XXXX XXXX sa id he was an investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number ( XXXX ) XXXX and told me to call him back at ( XXXX ) XXXX . The first number is from XXXX and the latter number is from XXXX , FL. This is illegal for debt collectors to do.
07/18/2017	Yes	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	TX 763XX	Web
Intimidating phone calls multiple times a day. Told me he 'd continue to call me at home and work. Claimed to be an investigator in the county I reside in and claimed a civil suit was being filed against me. ( XXXX /17 . Called county clerk, district clerk, and justice of the peace - no suit had been file d ) The name the man used was XXXX XXXX .
06/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92646	Web	Servicemember
I received a call to my cell and to my home phone from Oracle Financial Group, LLC A XXXX XXXX left threatening messages stating I am being accused of fraud with a local financial instiution. I called the number and was called a liar, I do not owe this debt and I also looked up other complaints against this debt collector. I have no unpaid debts
05/30/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	DE 19901	Web
Someone from the compa ny Oracle Financial Group LLC is calling, representative named XXXX XXXX 's, is stating he 's an Investigator for XXXX County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
04/04/2017	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	GA 31419	Web
A XXXX form Oracle Financial group call me and my XXXX sons and threatened me with a law suit if I did n't pay a debt that was discharged in my bankruptcy. She demanded that I give her my credit card to pay the debt or the police would be at my door. I hung my phone up.
02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27284	Web	Servicemember
They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.
05/27/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 75093	Web
XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.
04/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Oracle Financial Group in XXXX, NY made a credit card charge despite my express instructions not to make the charge. In addition the amount was higher than what had originally be agreed upon. I was called a " XXXX '' by one of their employees.
11/16/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MO 631XX	Web
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.
10/01/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	ID 83642	Web
apparently it was turned over to oracle financial group who called my husband XXXX told him they could take our car if we didn't pay over XXXX dollars to them. he paid XXXX and they said it was not enough they would call at later date for more
02/11/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OK 74136	Web
They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.
04/06/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 77904	Web
Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number XXXX.
08/26/2016	No	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	KS 672XX	Web	Older American
We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.
08/31/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NM 880XX	Web
Would not send me any paperwork through mail. Only emailed me a form stating what I agreed to pay back. Did not say anything about where my debt was from.
07/14/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75230	Web
Oracle Financial group left VMs on two private cell phones of 2 personal friends on XXXX XXXX, 2017, stsatimg they were trying to collect a debt.
03/12/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MN 55024	Web

11/29/2018	No	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43420	Web

11/02/2018	Yes	Debt collection Payday loan debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MO 63090	Web	Servicemember

09/13/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay		Phone

07/10/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TN 37415	Web

06/12/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 93245	Web

04/21/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76179	Web

03/22/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29834	Web

03/13/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29834	Web

11/16/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93534	Web

08/02/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 76207	Web	Older American

07/06/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language		Phone

06/26/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64623	Web

05/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75146	Web

05/17/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	PA 19087	Referral

04/19/2017	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 76227	Web

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OR 97231	Referral

03/24/2017	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	TX 77047	Web

02/07/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	ID 83676	Web

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AK 99645	Referral

12/23/2016	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33056	Web

11/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91711	Web

11/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94547	Web

10/19/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70802	Web

10/14/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76109	Phone

10/14/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 79107	Web

08/24/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75790	Web

07/04/2016	Yes	Payday loan	Charged fees or interest I didn't expect	MI 48182	Web

06/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73008	Web

05/27/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	TX 77396	Web

03/31/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 38115	Web

03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32818	Web

03/22/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 38016	Web

02/17/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	CA 94597	Web

01/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85747	Web

01/25/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	MI 48238	Phone	Servicemember

12/23/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	IN 46383	Web	Servicemember

11/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73159	Web

11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX 77581	Web

10/20/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay		Phone

10/14/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	NJ 08360	Web

09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23944	Web

09/16/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WI 53220	Web

08/21/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32223	Web

08/19/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77510	Web

08/19/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 78154	Phone

07/31/2015	Yes	Credit card	Delinquent account	TX 77450	Web

06/26/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33183	Web

06/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	OH 43026	Web

05/18/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 95010	Web	Older American

05/14/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	PA 15642	Web

05/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	FL 32825	Web

05/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63459	Phone	Older American, Servicemember

04/09/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	AZ 85382	Phone

04/07/2015	Yes	Payday loan	Payment to acct not credited	OH 44139	Web

03/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 03110	Web

03/18/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	CA 90713	Phone

03/10/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	MD 21750	Web

02/23/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	SD 57105	Web

02/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46218	Web

02/13/2015	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	VA 23505	Web

02/10/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75205	Web

02/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08061	Web

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 64153	Web

02/04/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	TN 38112	Web

01/30/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 92123	Web

01/27/2015	Yes	Payday loan	Charged fees or interest I didn't expect	FL 33155	Web

01/16/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CO 80917	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 34212	Web

11/25/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29154	Web

11/25/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	MD 20784	Web

11/21/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 34286	Web

11/16/2014	Yes	Payday loan	Payment to acct not credited	MA 02382	Web

11/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 54449	Web

11/07/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	SC 29910	Web

10/28/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	NJ 07006	Web

10/17/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 94080	Web

10/10/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29526	Web

09/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27704	Web

09/25/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	MS 39047	Web	Older American

09/16/2014	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	MI 48043	Web

09/10/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	NJ 08512	Web

09/09/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CT 06604	Web

09/08/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	FL 34986	Phone

09/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33142	Web

09/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33142	Web

09/02/2014	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	NJ 07803	Web

08/19/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 33321	Web

08/15/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	DE 19709	Web

08/06/2014	Yes	Payday loan	Received a loan I didn't apply for	CA 92882	Web

08/02/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31315	Web	Servicemember

08/02/2014	Yes	Payday loan	Charged fees or interest I didn't expect	OR 97055	Web	Older American

08/01/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	FL 32224	Web

07/25/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NC 27106	Web

07/18/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60542	Web

07/10/2014	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OH 43068	Web

07/09/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PA 19138	Web

07/09/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	PA 18302	Web

07/01/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OR 97005	Web

07/01/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NC 27106	Web

06/26/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 93940	Web

06/10/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	VA 20176	Web

06/05/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 34743	Web

05/28/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	FL 34986	Phone

05/20/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MI 48035	Web

05/19/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	IL 60084	Web

05/15/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	PA 19140	Web

04/25/2014	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	WA 98032	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 78660	Web

04/09/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 94954	Web

04/02/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	MN 55109	Web

03/07/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	ME 04090	Web

02/28/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37184	Web

01/18/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	MI 48334	Web

01/17/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NE 68164	Phone

12/16/2013	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OR 97223	Web	Servicemember

12/05/2013	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TN 37035	Web

10/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30122	Web