ZENCO COLLECTION, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/20/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91607	Web
This is regarding a private student loan from XXXX XXXX that was taken out more than 4-5 years ago, which is beyond the statue of limitations for a private student loan that was not secured by the federal government. I received a voicemail from XXXX XXXX. XXXX stated, " XXXX XXXX, our office received a very serious legal complaint that is associated with your social and the attorney on staff is needing to know your involvement with case # ( case number ). You will be speaking to XXXX XXXX ( sp? ) at XXXX. As of XXXX central standard time tomorrow morning, which will be XX/XX/XXXX ( although this call was made on XX/XX/XXXX, so this was likely an error on XXXX XXXX part ) a decision will be rendered and your documents will be forward ( sic ) to X County. My number again is XXXX XXXX. '' At that point I called XXXX. A woman answered the phone and said " Processing, can I have your case number? '' I asked her for her name. She did not give me her name and said, " I need your claim number. '' I asked her for the name of the company she was with. She did not give me her company name and instead said, " I ca n't tell you anything without your case number. '' I told her that federal and state regulations required her to tell me who I was speaking with if this was an attempt to collect a debt. She suddenly knew my name ( I 'm assuming from a caller ID match on her side ) and forwarded my call without giving me any information about who I was talking to, what the company name was, or if this was a debt collection attempt. At that point, a man picked up the line and identified himself as XXXX. I asked XXXX what company he worked for. He said that he did n't need to tell me. I said that he did because state and federal regulations required that he tell me. He laughed and placed me on hold. When he came back he said that the company 's name was Zenco. I asked him to spell it, but he refused. I informed him that, thus far, nobody at his company had performed their debt collection attempt according to regulations if this was even a debt collection attempt. He yelled that, " You are in no position to bargain because your wages are going to be garnished, '' and then hung up the phone. At that point, I tried calling back XXXX, but every time someone picked up the phone they either hung up the line immediately or transferred me to a voicemail box that did not even have a name associated with it. So, I was left to assume what this message I was left by XXXX XXXX was about. I looked up my credit report and saw an old debt that this call might have been about because, to this point, nobody had even told me what the debt was, how much it was, or anything that I could use to verify if this was even valid. I decided to call the number listed on my credit report. The company named on the credit report was XXXX XXXX XXXX. I spoke with a helpful woman named XXXX who listened to exactly what I went through with Zenco. She even verified what I owed, what the account had been, and everything I needed to validate that this was a genuine item that needed my attention. She put me on hold for a while so she could go discuss everything I had told her with someone. When she came back she told me that I needed to go through Zenco to settle my debt. I asked if I could just settle through her because she had treated me like a human being and I would rather just deal with her since she was already on the line with me ; but she said that Zenco had the account at this point and XXXX XXXX XXXX used Zenco for this purpose. So she told me to call Zenco at XXXX and ask to speak to a manager. I called Zenco at XXXX and a woman answered the phone saying, " Zenco, how may I help you? '' I asked to be transferred to a manager, as instructed by XXXX. She transferred my call to a voicemail box that had a man 's voice, but the man did not state his name or position. So I called back Zenco at XXXX and the same woman picked up. I told her that I had just spoken with XXXX XXXX XXXX and wanted to speak with someone regarding settlement of a debt. She transferred me to a woman named XXXX. I will admit that XXXX was a nice person who treated me with respect and was very forthcoming about the situation. There was no talk of legal proceedings, garnishments, or anything. I was starting to have my doubts about whether those initial statements left on the voicemail message from XXXX XXXX were even truthful. After XXXX and I verified the debt and details of it, I told her that I wanted to settle the debt. XXXX calculated a settlement amount and we reached a mutually beneficial agreement to resolve the debt. However, despite how well XXXX performed as an ethical and reasonable debt collector, I felt that it was necessary to file this complaint with the CFPB because the initial practices of Zenco were not very ethical or humane and quite possibly illegal. In addition, how is Zenco able to collect on a private student loan debt that has gone past the 4-5 year statue of limitations? I finished my degree program in XX/XX/XXXX and it 's XX/XX/XXXX. That is 9 years. The loan was taken out before that time. It has been 10+ years at this point since that XXXX XXXX loan was taken out.
09/15/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	TX 773XX	Web
XXXX XXXX XXXX- I received a phone call from a XXXX XXXX who reported there was litigation against me. I asked what it was concerning and he reported he was going to transfer me to XXXX XXXX who had the details. XXXX XXXX reported XXXX had a claim against me for a XXXX XXXX I had bought in 2008. I explained to XXXX XXXX that I did not owe XXXX for anything. I also explained that the company I bought the vehicle from breached the contract and told me they did not want my money, they wanted the vehicle. I returned the vehicle and continuously fought to keep it off of my credit with proof they breached the contract. XXXX XXXX became belligerent and verbally abusive towards me telling me he was going to take me to court to make me pay and would put the loan on my credit ruining it for the next ten years. XXXX XXXX then hung up the phone on me. XXXX XXXX- I called back and asked XXXX XXXX XXXX he hung up on me. XXXX XXXX told me it was against company policy to hang up on people. According to XXXX XXXX, he heard a loud crash, like a train wreck, and we were disconnected. I attempted to inform XXXX XXXX that I did not owe any debt to XXXX. XXXX XXXX continuously talked over me and would not listen. I advised XXXX XXXX that the debt on the vehicle he is referring to is expired and reached its statute of limitations. XXXX XXXX ended the conversation by telling me he was going to help someone who wanted to pay their debt and hung up on me again. I called XXXX XXXX back and requested to speak to his supervisor. XXXX XXXX refused by saying he did not want to talk to me and was going to help someone who wanted to pay their debt, before hanging up. During this conversation, I told XXXX XXXX not to call me again. I then called XXXX XXXX 's number and asked XXXX XXXX if he would connect me to XXXX XXXX 's supervisor. XXXX XXXX connected me to XXXX XXXX again, who told me he was the supervisor and was going to help someone who wanted to pay their debt, before hanging up on me again. XXXX XXXX continuously refused to let me speak to a supervisor and would just say he was going to help someone who wanted to pay their debts before hanging up on me. XXXX XXXX and XXXX XXXX refused to take my calls after this point. XXXX XXXX- XXXX XXXX called me again and hung up as soon as I said hello. I called the number back and asked XXXX XXXX why he called and hung up, to which he responded by telling me I do n't need to worry about what he was doing, he would see me in court and I would be hearing from him soon. I instructed XXXX XXXX not to call my phone again or I would file Harassment charges on him. XXXX XXXX then repeated the statement about helping someone else and hung up on XXXX XXXX XXXX XXXX called me again XXXX I asked XXXX XXXX what company he worked for. XXXX XXXX reported it was XXXX. I asked him if it was a law firm, to which he would respond that the company was owned by a lawyer and I needed to pay my debts. XXXX XXXX refused to give me his first name or employee number. XXXX XXXX also refused to answer any of my questions concerning his company. XXXX XXXX said he would see me in court and hung up on me. I called XXXX XXXX back to speak to a supervisor. I asked XXXX XXXX if he was representing a law firm. XXXX XXXX refused to answer my question. XXXX XXXX spoke over me saying he knows I do not wish to resolve this debt and wants to know how I am going to get out of this in front of a judge. Then XXXX XXXX hung up on me. I called back and demanded XXXX XXXX to connect me to a supervisor. XXXX XXXX put me on hold. A woman got on the line and reported her name was XXXX XXXX employee number XXXX. XXXX XXXX listened to my plight concerning her employees, but refused to accept that I did not owe XXXX any money. XXXX XXXX hung up on me as well.I then started t
05/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TN 376XX	Web
This is a complaint filed for Zenco Collects in association with a complaint already filed for XXXX XXXX XXXX # XXXX on XXXX XXXX XXXX. On Thursday, XXXX XXXX, at XXXX XXXX, a message was left on my cell phone from a XXXX XXXX from the office of Zenco. She stated that she had an urgent legal message and had received paper work attached to my name, Social Security number and date of birth that require my immediate attention. That at this time a final decision is ready to be rendered on my paperwork. This was a time sensitive matter, failure to return the call will cause the paperwork to be processed. File # XXXX. When I got home from work I returned her call to find out what this was regarding. XXXX XXXX informed me that she was an arbitrator for XXXX XXXX, that a debt from XXXX had been thrown back into the debt pool and had been audited by XXXX XXXX who deemed the debt now collectible. XXXX XXXX was now prepared and ready to take me to court, garnish my wages, had filed a XXXX with the IRS and had a Court filing date of XXXX XXXX. She also shared how my XXXX was in danger and even my employment at XXXX I work at as XXXX was at risk. When I calmly tried to ask her a question she shut me down, implied I was not listening, was being rude and could wait until the end to ask any questions. She then proceeded to inform me as an arbitrator she was authorized to offer me two options to avoid legal action from XXXX XXXX. The first was to accept the generous offer to pay only {$7000.00} or the Second to take a " hardship '' payment plan of {$300.00}. per month for 6 months at which time the file would be re-evaluated again on the whole {$20000.00}. I explained that I have only returned to the United States last year after serving as a XXXX in XXXX XXXX for 8 years. I have only started a full time job as of XX/XX/XXXX and I only make XXXX. an hour, I am unmarried, I have no assets to speak of. I do n't even own a car. I would have to choose the '' hardship '' plan to stay out of court. She wanted to know if I knew what a counter offer was and that I should be at least willing to meet them halfway. I asked her if {$3500.00} was what she meant by meeting them halfway. She said she would do her best but that she thought they would not go lower than {$4000.00}. They accepted the {$4000.00} offer to be paid by my debit card next Friday XXXX XXXX, they emailed me a document, agreement of settlement to be e-signed, which I did and sent it back. After over an hour on the phone, and being rushed, I had time to catch my breath, calm my self and read the letter. The letter clearly states nothing about XXXX taking me to court. Zenco was hired by another collection agency in Texas called XXXX XXXX XXXX. Zenco had lied to me. Please see the attached e-letter where it clearly states, RE : XXXX XXXX XXXX, Original Creditor : XXXX. Zenco has misrepresented themselves and out and out lied, coerced, and manipulated the information to collect on an old debt that XXXX XXXX charged off in XXXX of XXXX. Additionally Zenco appears to be partnered with XXXX XXXX in some way to assist XXXX in a different way around trying to collect on the debt. I have already responded by disputing XXXX response as they did not act in accordance with their statement to cease collection and take no legal action. Additionally I have recently received my free Credit bureau reports and there is no information on them in regards to any outstanding debt to XXXX XXXX. XXXX XXXX mistakenly believes that at XXXX an hour, after living expenses for food shelter and gas is paid that based solely upon a good credit score that I have the ability to pay. If I do have a good credit score it only because I do not use said credit. The ability to pay has never been based solely on a good credit score.
02/26/2017	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	TX 75043	Web
On XXXX I was contacted via cell phone. I had missed call, but the voicemail stated that it was in regards to a matter assoc. with my ssn. I called back and spoke to XXXX XXXX, who did not answer the phone with a company name. She took the reference number that was left on VM and said it was in regards to a loan we had through XXXX XXXX on a car that had been repossessed XX/XX/XXXX. I do not believe she EVER stated to me that this was an attempt to collect a debt. That we needed to pay or they were going to have our wages garnished, and our tax refund held. I immediately became defensive and told her it was XXXX, and she kept talking, and a heated argument continued briefly, before I just hung up. She called back from a XXXX ( local ) number and continued to argue with me, and I told her I would be speaking with an attorney. She said, that was fine, that she would talk to my spouse XXXX who was on the other line. My husband and I each had the XXXX, and when I got home from picking my kids up from school an argument between us continued over the issue. He did manage to tell me that the guy that he had spoken to said we must be doing well, as they had us at his parents address in XXXX. He stated that they did not have our current address ( of 10yrs now ) and thats why we had NEVER received anything other than this phone call from them. They never referenced any other calls made to us either. This is the FIRST attempt that I know of, and I was n't even given a company name on the voicemail ( which I have saved ) or when I called. XXXX XXXX answered the phone as just that ' " XXXX XXXX ''. I have contacted XXXX XXXX, and spoke with the collections department, and they stated they wrote the account off, and sold it to another company that shut down later, and that they had sold it yet again. The statue of limitations in Texas for Consumer Debt is 4yrs. As of XXXX, they have forwarded the information to the Manager of the department, and I should be contacted this next week on the matter. I also contacted an attorney who directed me to this site, and stated that their tactics were indeed sketchy at best. I also found out during this time, that my husband gave them my bank account number.He is NOT on my account, and I have since BLOCKED anything through this company from being taken out of my account, and I am closing the account. They called us back on XXXX, and spoke to my husband, who informed them of me blocking any money from them to be debited from my account. They stated if the check did not clear, that they would turn us in for a hot check to the XXXX XXXX Sheriffs Department and have a warrant issued. I also faxed them a refusal of allowance on XXXX to take money out. Whatever my husband did with them, stated we had 3 days before the money was to come out to cancel via call or fax. My husband said the money was to come out on XXXX XXXX. They did give my husband, '' Zenco '' as the name of the company. I do not know if this is legit, and why XXXX XXXX had our address, and these people did n't. It all sounds way to fishy. I did n't think it sounded right for them to demand payment or they would immediately have our wages garnished, and our refund withheld. Then, to threaten to turn us over to the Sheriffs Department if payment would not go through. Please contact me in any regards.
06/27/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	PA 193XX	Web
I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.
10/14/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	PA 194XX	Web
I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.
04/19/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	NM 875XX	Web
At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.
04/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AL 351XX	Web	Servicemember
I received a message from XXXX XXXX on XXXX/XXXX/XXXX from XXXX ext XXXX regarding case # XXXX, which he stated was regarding a legal matter attached to my social security number. Upon returning his phone call, He stated the last XXXX numbers of my social security number and I was told he was attempting to collect a debt for XXXX XXXX XXXX from XX/XX/XXXX and he wanted to know if I could resolve the account today. I told him I was not aware of what he was talking about and he said he needed to transfer me to the legal department. At no time did he identify the name of the company or what type of company it was. I was transferred to the legal department to speak to another man who did not identify himself, the name of the company, or the type of company it was. He stated my full social security number and stated that XXXX XXXX XXXX had been audited and that my social security number came up owing a debt from XX/XX/XXXX that was defaulted on in XX/XX/XXXX. I informed him that his information was incorrect because that debt was defaulted in XXXX and included in a bankruptcy in XX/XX/XXXX, which was discharged in XX/XX/XXXX. He then became hostile and stated that I had my facts wrong and that he intended to have a judgement filed against me to have my wages garnished and that I needed to hire an attorney and then hung up on me. I called back and XXXX XXXX answered again. I attempted to notify him that I would be hiring an attorney and he stated he needed to transfer me to the legal department. Upon being transferred, an unidentified man answered and said " Thank you for providing that information '' and again hung up on me. Concerned that this might be an attempt at identity theft or fraud, I called back and again XXXX XXXX answered. I asked the name of the company, which he stated was " Zenco. '' When I asked what type of company this was, he said he would have to transfer me to the legal department. I was placed on hold, and after some time, was transferred to voicemail. I left a message to notify the company that I would be reporting the company to the FBI as a possible scam and a fraud and that I would also be hiring an attorney.
02/15/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WA 98502	Web	Servicemember
The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.
10/12/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78759	Web
At most, this is some type of debt collection scam, at the very least a massive violation of the Fair Debt Collections Practices Act. This company just called me insinuating that they were a government agency. " XXXX XXXX '' told me that " this is concerning a legal case that is being filed against you '', but would n't tell me what this was in reference to. Then he mentioned that there were, charges being brought against me for falsifying information provided to banks, implied that there were criminal proceedings against me, and that they were going to have the IRS audit me. The guy would n't let me get a word in and when I pressed him exactly what this was about. He did n't disclose that it was an attempt to collect a debt, and did n't really tell me that it was concerning debt in the first place. Nonetheless, when I offered to XXXXway my attorney into the call he said for my attorney to call him. When I asked what this was in reference to, or where to send an attorney representation letter to, he just hung up. So I called the number back and asked what the name of the organization is. They said it was Zenco XXXX '', a company that does not exist in the state of Texas. I asked to be transferred to " XXXX XXXX ''. I then asked him who my attorney should call, he hung up. I called a second time, and he stated " This is the 13th time you called '', which was completely untrue, it was my XXXX. He mentioned told me that " this is a felony '' and hung up without giving me a chance to inquire about what this was about. I do n't ever recall having any unpaid debt, so as far as I know, this is some type of scam. If it is some valid type of debt, then it must have been from 20 years ago, as there is n't anything negative on my credit report. If it is a debt collection agency, then they are in violation of several laws, including threatening to sue after the statute of limitations and the rest of the issues mentioned above.
03/27/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MA 024XX	Web
On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX
01/23/2016	No	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 287XX	Web
Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is XXXX.
07/29/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75062	Web
I received a call on XXXX/XXXX/XXXX at XXXX in the morning from Zenco Collections XXXX XXXX XXXX XXXX , TX XXXX on a auto loan incurred in XXXX, with a remaining balance plus interest incurred after the vehicle was surrendered back to the finance company in XXXX, XXXX being 90 days past due payment. At that point I had been laid off from my job and could not meet this obligation on unemployment insurance. At the time I surrendered the vehicle, I was unable to attend my father 's funeral for lack of funds. This morning I was threatened with wage garnishment, legal action to seizure of assets, and potential incarceration unless I agreed to immediate payment of {$2000.00} or a minimum payment schedule of {$50.00} per month to pay off the debt. While I agreed to this since I have no means to defend myself in court and I was under pressure by their threats, I explained to them that I was currently on half-hours in employment and having trouble covering food, shelter and daily expenses. My wife retired prior to my hours being reduced and is on a fixed income. I have been putting off medical and dental work because I am unable to afford the deductible/copayments at this time. They insisted that I MUST give them an answer at this moment or face legal action. After Checking about dedt collection and finding that the debt was beyond 4 year Statute of limitations. I contacting the States Attorney for Consumer Affairs. I cancelled the debit card that I had given to these people, understanding that the debt itself was past collection limit, and that the pressure used was unethical and unfair.
03/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75051	Web
On XX/XX/XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX Zinco Collection Agency . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX. I stated I never had such card and advised him he was mistaken. After @ 27 mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a XXXX # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a XXXX XXXX. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XX/XX/XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XX/XX/XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..
02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 95608	Web
I received a call at XXXX XXXX from an individual working for Zenco at extension # XXXX. To the best of my abilities this is the conversation on the phone. XXXX XXXX are you aware that your social security number starting with ... and last XXXX digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? I 'm calling from Zenco, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. -What, what are you taking about? - I am telling you that you will face charges so I suggest that you come up with the $ XXXX XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. -But where are you calling from again and what is your name? I know this debt is on collection - XXXX XXXX watch what I do with your social security number. After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. I also got in contact with XXXX XXXX, which is the company that contracted Zenco and inform them about what has happened. The manager did n't think Zenco said anything inappropriate and in fact, kept telling me that I had to pay the bill and that Zenco had the right to collect my debt.
12/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12144	Web
On XX/XX/2015 my parents whom live in XXXX were contacted by a representative from Zenco. They claimed that i owed money on a debt that i never had and disclosed my whole social security number to my parents. They also said that they will be taking me to court in XXXX XXXX because of this. So i called this number ( XXXX ) and left a message stating not to call my parent phone again and not to call me regarding this alleged debt without sending me the following in the mail. The amount of the debt, the name of the creditor to whom the debt is owed, Proof that you are licensed to collect debts in XXXX, Proof of the last payment made on the account. I received a phone call on XX/XX/2015 at approximately XXXX Eastern Standard time and a gentleman claiming to be from there legal department stated that he could call my parents and whom ever else he wants even if he is told not to. He then said that " fraud '' charges would be filed in XXXX XXXX against me. When i asked him to send me proof of this alleged debt he refused to do so. I asked again and he still refused and said he does n't have to. I got got angry and used profane language and he said something i regards of my mother and that they would be taking my tax return.I then called back at XXXX EST and left a message stating that no more communication between them and anybody else is prohibited and that i will be making a complaint with the FTC.
10/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94117	Web
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
05/27/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.?????? Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}. Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors. When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address. Check out their website. zencocollects.com I need this stopped ... .
12/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75061	Web
The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called Zenco and they are based out of XXXX Texas calling regarding a debt from XXXX XXXX XXXX, they would not provide any license number for the company or debt collections. I told them this 'debt ' was settled with XXXX XXXX XXXX , XXXX , years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. While I was on the phone with FTC Texas Attorney General and Texas Secretary of State, this bogus company is calling ALL of my relatives. Based on Attorney General 's office and Secretary of State, this business is not registered with the state or the county, as required by law. I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against one 's social security number. I want this company to leave me alone and stop the threatening harassing and illegal contact.
04/22/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	FL 320XX	Web
Zenco collect called my and my wife 's mobile number and left a recording stating a " serious legal complaint '' has been filed against me and I need to call them immediately to prevent action. I returned the call and they stated they were going to garnish my wages in court tomorrow for {$8000.00} unless I settled a debt with XXXX. When I stated I am not aware of any valid debt, they stated it " would not be on my credit report yet ''. I said go ahead and said goodbye. They called again, and then stated a " legal complaint '' had been filed against me and they are going to court for XXXX. When I stated they just called me and stated XXXX was filing against me, they said something about being the same company. I asked then to speak specifically to a registered attorney who was filing the complaint they connected me to person who said they were an attorney registered in XXXX Tx. When I stated how can they can call a mobile phone and threaten me with legal action in XXXX different states for tomorrow with no basis ( they seem unsure which state I lived in ), she stated that she never " not threatening '' me and stated your associate just did, and she hung up.
02/17/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MO 647XX	Web
On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me.
05/12/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	PA 182XX	Web
A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.
02/24/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76016	Web
Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the XXXX and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this XXXX other times.
04/11/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	SC 29016	Web	Servicemember
ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.
03/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77511	Web
On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.
11/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NJ 08094	Web	Servicemember
On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.
03/29/2016	No	Debt collection Credit card	False statements or representation Impersonated an attorney or official	TX 75023	Web	Servicemember
I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.
01/04/2016	No	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NC 27265	Web
I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.
04/10/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	SC 29016	Web	Servicemember
ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.
12/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11228	Web
I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me.
03/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	CA 91335	Web
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. Zenco Collects representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
09/08/2016	Yes	Credit card	Delinquent account	FL 33714	Web	Older American, Servicemember
I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.
12/02/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OR 974XX	Web
I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.
01/18/2016	No	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30016	Web
Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us back.
06/15/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VT 057XX	Web	Older American, Servicemember
XXXX / XXXX / 2017 Called by a " XXXX XXXX '' who claimed to be working for an unidentified law firm calling in regards to a claim by a XXXX XXXX against our property. Told her we did not know a XXXX XXXX , we have received none of the required paperwork and have not been legally notified and asked her to send any info to the address of record. Caller got angry, said she would also send a server and hung up.She did not give any further information. Caller ID traced back t o Zenco Collects, XXXX . XXXX XXXX , XXXX , Texas XXXX . Phone : XXXX Email : XXXX XXXX XXXX
08/18/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IL 622XX	Web	Servicemember
I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.
11/10/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	GA 305XX	Web
Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.
01/28/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76522	Web	Servicemember
XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation.
12/29/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33625	Web
Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.
12/10/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33308	Web
On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
12/03/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	NY 12144	Web
XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.
07/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
I received a call from a woman named XXXX XXXX claiming she was representing XXXX XXXX . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
10/20/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91206	Web
A collection agent contacted my XXXX year old mother looking for me about a collection for 2008. My mother called me upset because she was told it was an emergency. I contacted the agent back to be verbally abused. I noticed an entry was made on my credit so I called back again and Spoke to XXXX XXXX were I was threatened to be sued.
01/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 94803	Web
this person XXXX XXXX called my cell phone on XXXX XXXX at XXXX and left a voicemal msg, then proceeded to call my place of employment. I asked him to send everything in writing and to refrain from calling my job. I hung the phone up and he proceeded to call 3-4 times back to back hollering and being verbally abusive.
02/15/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	VA 230XX	Web
I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.
07/02/2021	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 757XX	Web
I have gotten 5 calls from this company, I do not owe a debt to them or anyone else. If theyre claiming I do, I want the paperwork as well as their license to collect in the state of Texas and who they bought my information from.
09/07/2018	No	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 727XX	Web
XXXX CALLED MY CELL NO ( XXXX ) XXXX 13 TIMES. THEY LEFT VIOCE RECORDING SKIP TRACING FOR FAMILY MEMBERS. I SENT CEASE COMMUNICATIONS VIA XXXX-FAX AND ONLINE.
03/22/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77584	Web
zenco collection company calling my place of employment at three times or more per day, after i have requested them to contact me by mail
10/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28792	Web
This account is n't mine but they insist that it is mine and with my social. They are very nasty and threaten me in everyway
07/24/2019	No	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language		Phone

06/29/2017	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	TX 78852	Web

06/14/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IA 52302	Web	Servicemember

06/13/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77840	Web	Servicemember

03/06/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28609	Web

01/13/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32092	Web	Older American, Servicemember

12/12/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 08830	Web

08/25/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CT 06082	Web	Older American, Servicemember

07/06/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30038	Phone

06/16/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70363	Web

06/09/2016	Yes	Credit card	Billing disputes	FL 34983	Web	Older American

05/26/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 77433	Phone

04/19/2016	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	NY 14611	Phone

04/12/2016	Yes	Credit card	Delinquent account	SC 29316	Web	Older American

03/22/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MD 21009	Web

03/17/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TN 37040	Web

02/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33781	Web	Servicemember

12/21/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70003	Web

12/18/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	GA 30045	Web

12/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12144	Web

12/08/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	PA 19120	Phone

11/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33328	Phone	Older American, Servicemember

11/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20181	Web