Threats of arrest, lawsuits and unending harassment seem to fill the playbooks of Central Asset Bureau, a debt collection agency in San Antonio.

The Better Business Bureau is issuing a warning to consumers in Texas after receiving numerous complaints about Central Asset Bureau's debt-collection tactics. The BBB has not been able to reach the agency about the disputes, as phone calls were not answered and mail was returned.

The complaints include threats of arrest, lawsuits and trying to collect debts that are not valid. The agency also provided fake addresses and refused to provide documentation on the debts it's trying to collect, consumers allege.

One of the addresses on file was on Lyndon B. Johnson Freeway — a highway that does not exist in San Antonio. When a BBB representative visited another address on file, she found no listing for Central Asset Bureau in the building’s directory. Another business occupied the suite number the company provided.

One woman reported that she has been receiving calls from Central Asset Bureau for four years. She said the agency claimed it was collecting on an unpaid payday loan. While she took out such a loan 10 years ago, she said she paid it in full with the very first paycheck she received after taking out the loan.

The woman changed her phone number, her mailing address and her bank information - and had family members call posing as an attorney. She asked for supervisors and written proof the company owned her debt. The phone calls allegedly continued despite her efforts. She even called the company that provided the loan and obtained proof the debt was paid, but that did not stop the calls, either.

She filed complaints with BBB, the Austin County Sheriff’s Department, the Federal Trade Commission and her local police department, among other agencies. The last time the company called, she added, was in May, around the time she filed her complaint with BBB.

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