Reel Time Capital LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/25/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	NV 89178	Web
I received a voicemail from someone named XXXX XXXX calling from a spoofed phone number ( XXXX ) who left a voicemail stating that they were calling regarding claim XXXX and that they would attempt to reach me at my place of business because they could not contact me by phone. They stated once my claim ( claim number XXXX ) was released from their office ( no name of office provided ) there was nothing they could do and they wished me the best of luck. They called 2 family members they could find and left them the same information and also stated I would be subject to the local courts going forward. They also stated if my location was not provided, they would be attempting to contact me at THEIR residences. They provided phone number XXXX which I called and spoke with someone who refused to give me their name or the name of the company they represented. They referenced an old debt with XXXX for amount {$310.00} originally taken out but stated now the amount was {$660.00}. They stated I needed to speak with a compliance officer because they had location services looking for me in an attempt to file papers with the courts. I attempted to get the name of the company, the rep refused to provide it. I asked for the name of the lawyers and she stated it was a network of attorneys called XXXX but wouldnt provide any other information. I said they did not have permission to call my family and they stated that I needed to speak with location services in order for them to stop calling my family. They repeatedly refused to provide information regarding the debt as to their names of the company ( other than the name of the original lender, which they provided ) or how I could see proof. She refused to email anything and said that they were going to contact my place of business. I called XXXX and was advised there was a debt for {$310.00} they sold to Reel Time Capital. I attempted to contact Reel Time Capital and was provided with phone number XXXX by XXXX, and the number goes straight to voicemail after ringing numerous times. The voicemail message does not explain who they are or what the company is. I emailed them at the provided email on their website and was not contacted back. Ive called numerous times and emailed numerous times and received no communication in response.
03/18/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 323XX	Web
I received a call from a XXXX XXXX on XX/XX/2023 stating that she was a process server and was trying to locate me. I told her who I was and she told me that she could not tell me why she was calling, that I had to call another number to get information. She called from a spoofed number XXXX. The number she wanted me to call back was XXXX. I called the number to see what is going on and the person who picked up identified herself as XXXX. XXXX proceeded to tell me that she was from Capital concerning a payday loan. When I questioned her to ask for debt verification and the companys name she became very rude and abusive. She presented herself as a process server and stated papers were being filed against me in the county. When I asked for her license and was she just a debt collector she refused to give me any information and just continued to talk over me so I ended the call. On XX/XX/XXXX, this same person contacted my daughters. When I called back and told her that she had already talked with me and that she was violating the Fair Debt Collection Act by contacting a third party and telling that third party that I was being sued for some type of debt, she said to me Maam just give it up. This company has violated the Fair Debt collection act by contacting relatives after they have spoken to me, and they also refused to identify themselves. Also very abusive when speaking with me and telling third parties that I owe a debt after speaking with me.
09/15/2023	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX 75002	Web
I received several phone calls from this collection company along with my mom about this debt. I have a voice message stating that they were contacting my job. I had a loan originally with XXXX XXXX, but they sold my debt to a collection company. I spoke with this collection company and asked for information about this debt, but all they kept telling me was I was going to court. I called a second time and the young lady wouldn't provide me with the name of her company, All she kept saying was the name of this company is called " XXXX '', I asked her for more detailed information and she would not provide it to me. I asked if they could mail me information about this debt to my home and they refused. The young lady even told me that they were no longer interested in payment, but I was confused as to why she was contacting me if you did not want any payment. On XX/XX/2023, I called XXXX XXXX and spoke with a representative who was able to give me that collection company 's real name. The debt collection company 's name is Reel Time Capital, LLC. There is no way you can tell me I owe a debt, but you're not able to provide me with anything in writing. I think this company is committing fraud and using bad collection practices. All I wanted was for them to be honest and provide me with more information, preferably in writing. That is the only method of communication I am open to having with this company if they're legit.
09/08/2023	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76039	Web
A person going by the name of XXXX XXXX called repeatedly on Friday XX/XX/23. She also called relatives of mine and left voice mails. The voice mails indicated she worked for a process services company and was trying to locate me by name. A claim number and phone number were left. After being contacted by one of my relatives concerning the call. I contacted the number left in voice mail, XXXX. Not sure who I spoke with, it was a women. She was claiming to be with XXXX XXXX XXXX and worked for the county. She stated they were trying to locate me to provide paper work and could not locate me. I provided the claim number and she informed it was for a debt owed to XXXX XXXX, a online payday loan company. I could not find any evidence of XXXX XXXX XXXX existing. My county uses XXXX XXXX XXXX to deliver lawsuits. This person I spoke with was using legal language that made it seem I had committed a crime of fraud and wanted details on why could not pay the debt. She insisted she did not represent the debt owner and was only trying to locate me for process services. I looked my XXXX XXXX account and found they had sold my debt to a XXXX XXXX XXXX. I was able to find a website for them. There are numerous complaints against them for using dirty illegal collection tactics. I sent a cease and desist letter via their online email address and will follow up with mailing a copy as well.
04/06/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 32507	Web
I was harassed multiple times during the day from multiple numbers of the same Reel Capital employees. They left messages with personal information and treated me with a warrant like I was some kind of criminal. They called a family member that I have no spoken in over a decade. They harassed my boyfriend. They also harassed and left messages on my mother 's voice-mail and scared her almost to death. Every message was the same and relayed personal information then threatened that they will send a warrant for my arrest. I had to change my personal phone number just to be left alone and so they called my mother even more. I am so upset and they need to be reprimanded. I talked to a supervisor once and asked what they were contacting me for and she put me on multiple holds and wouldn't tell me what the call was regarding. My mother called back and she would not tell my mother what the situation was regarding eirher. If you are harrassing someone the least you can do is tell them why you're harassing them! I am also 5 months pregnant and I had days I was so stressed out from them that I worried about the health of my child. This is what caused me to change my number. Then they harassed my family members who brought more stress for me and my unborn child. I have attached a picture of one days worth of calls all from the same debt collector. It totals to 9 calls in one day.
09/08/2023	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	CO 80817	Web
I ( XXXX XXXX ) received a XXXXspam ' call from phone number # XXXX. In a voicemail left on my phone, this individual identified herself as XXXX XXXX. I saved the voicemail due to its threatening nature. In the voicemail, she immediately said she was a Compliance Officer w/ the State of Colorado , formerly serving me by telephone voicemail. When leaving a call-back number and " case number '' information, she said it almost too quickly for me to be able to identify it. She left a " case number '' of XXXX. She left a call-back number of XXXX. This is for Reeltime Capital, which I did not find out until after I called XXXX XXXX to verify. XXXX XXXX acknowledge they sold the debt and that this individual violated FDCPA by threatening to take me to court for intentional fraud with no proof of that. In fact, I am able to prove that I lost my employment of 11 years in XX/XX/XXXX and was unable to pay at that point. I did stay in communication and was current, up to that point. There was never any deception, on my behalf. This is completely unacceptable. She was extremely rude to me and tried to collect the debt personally, herself, when she's a process server, and not a collections agent. In addition to that, I do not believe it is legal, in the state of Colorado, to " formally serve someone over the phone ''.
01/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44212	Web	Servicemember
I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Upon disputing this debt through XXXX, XXXX XXXX XXXX changed the original creditor to Reel Time Capital. The address listed for both XXXX XXXX XXXX and Reel Time Capital is for XXXX XXXX. Neither business is at that location. I've never been to Missouri or done any business with XXXX XXXX XXXX or Reel Time Capital. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. My credit report shows an account opened at XXXX XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XX/XX/2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX or if this is identity theft and my information was used at XXXX XXXX XXXX and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
07/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 337XX	Web
I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX '' ( now " Reel Time Capital LLC. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is XXXX XXXX XXXX XXXX. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. This is not my debt and I refuse to pay the debt of someone using my name and SSN. My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with XXXX XXXX to document the above, as well as attached herein.
11/11/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NE 68046	Web	Older American
Received a collection letter on XX/XX/XXXX from XXXX XXXX XXXX which is owned by Reel Time Capital, LLC ( a company created for a foreign entity in XXXX in XXXX, FL ). See recent CFPB complaints XXXX and XXXX for information on the XXXX XXXX XXXX XXXX. Today, we received a call from the company. Following are details of that call that we also provided to the Nebrasaka Attorney General 's Office : - The call came from the company that XXXX XXXX XXXX turned over the collections to at about XXXX XXXX CT. - The call came from number XXXX and the person introduced themselves as Mrs. XXXX. - Mrs. XXXX said that she was calling us about our outstanding XXXX loan. When my wife said that we never opened a loan, Mrs. XXXX asked if we had a case number from a police report. She also said that they have more information for us, but we have to validate ourselves to them. - My wife said that we would not be providing any more information since we did not open any loan with anyone. Mrs. XXXX then said that they would continue to contact us and that the loan will not go away. As my wife started to ask another question, Mrs. XXXX abruptly hung up on her, - The number left by Mrs. XXXX to call her back was XXXX.
11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	AL 350XX	Web
I borrowed {$500.00} and I paid it back. I thought that was the end of it until months later I started getting harassed that I never paid off my loan to them. Of course I was still receiving letters in the mail asking me to come back and borrow again but I never did. I try never to use these companies because of the ways that they try to trick you into borrowing money you dont need, but I had an emergency come up and I live on a very low income. Now, I just received a email stating I owe them over {$4000.00}, dollars! For what? This is getting ridiculous and I have been on the phone with these people asking them to stop harassing me and they wont. I might go XXXX months without hearing from them and then out of the blue they send another email or letter. They wont even tell me when I borrowed that amount and what I put down it was for. Its because I didnt borrow anymore money from them ever again. Can you please help me get these people to stop harassing me? Thank you for your help. XXXX XXXX XX/XX/2023
02/03/2022	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MO 65810	Web
XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of Reel Time which I did not recognize and stated so. XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.
04/27/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75701	Web
They have been calling me and 6 of my family members multiple times a day threatening me and harassing me from XX/XX/2023 to the present day XX/XX/2023. XXXX XXXX 43 years of age XXXX XXXX contacting your regards to a claim that is in the process of being founded XXXX XXXX. XXXX XXXX had to make you aware that wants to claim number and is in XXXX. XXXX is XXXX XXXX. It does become a matter of public record in the world becoming order for the location since I haven't been able to reach you by phone up and instructed in contact the employer to speak directly to the supervisor. It does appear that it will be the likely place of location XXXX. You have the legal right to contact that office is felony claim to update that information telephone number that is provided is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claim number is in XXXX XXXX is considered to be illegal notification by telephone.
12/14/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 704XX	Web
I have contacted reel time capital and have not heard back from this company. I was notified via phone that there is a order of location for me and that I am being sued for a payday loan with XXXX XXXX XXXX in which I know nothing about or have ever gotten a loan via the company. Im assuming this is from identity theft in which I have had this problem. I have contacted them to try to get information in regards to the matter to no avail the company has not told me anything. When I got the call about a order of location I stated to them I dont know of this said company nor have I ever done business and this is the first time Ive gotten a call in regards to this matter. The person was very rude and offered no information to me saying that this is in fact my debt and I owe money to a company I have never dealt with.
02/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43230	Web
Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as XXXX XXXX XXXX, REEL TIME CAPITAL, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.
09/07/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75134	Web
Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company XXXX XXXX sold my loan to. Reel time Llc. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
11/11/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 587XX	Web
I applied for a {$700.00} loan I fell behind on payments The debt was then sent to reel-time debt collector, who said that the company was threatening to pursue fraud against me saying that I closed my debit card account when in fact there were no communication sent to me through XXXX indicating that there was a problem with the payment
11/11/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 587XX	Web
I applied for a {$700.00} loan I fell behind on payments The debt was then sent to reel-time debt collector, who said that the company was threatening to pursue fraud against me saying that I closed my debit card account when in fact there were no communication sent to me through XXXX indicating that there was a problem with the payment
02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 423XX	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75082	Web

12/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95838	Web

12/17/2023	Yes	Debt collection Telecommunications debt	Communication tactics Frequent or repeated calls	NV XXXXX	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV XXXXX	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55044	Web

09/13/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 38801	Web

07/19/2023	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	TN 37849	Web

02/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70807	Phone

12/07/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MT 59523	Web

09/15/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70754	Web

11/11/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40391	Web

01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91311	Web