TCA Rentals, LLC - Turtle Creek Assets - Aaron's - Threatening Letter

We represent a consumer in Arlington, Texas based on the Fair Debt Collection Practices Act. Plaintiff alleges Turtle Creek Assets negligently, knowingly, and/or willfully communicating with Plaintiff and by engaging in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt; using language the natural consequence of which is to abuse the reader; using false, deceptive, or misleading representation or means in connection with the collection of any debt; representing that nonpayment of any debt will result in the arrest or imprisonment of any person unless such action is lawful, and the debt collector intends to take such action; threatening to take action that cannot legally be taken or that is not intended to be taken; using any false representation or deceptive means to collect or attempt to collect any debt; failing to disclose that the communication is from a debt collector; using any business, company, or organization name other than the true name of the debt collector’s business, company, or organization; and failing to send Plaintiff a written notice of his alleged debt containing the information required by the Fair Debt Collection Practices Act. In April 2019, in its attempt to collect the alleged debt owed by Plaintiff, Defendant sent Plaintiff a collection letter. The Collection Letter was purportedly sent to Plaintiff from “TCA Rentals, LLC” with its address being 5331 Spring Valley Road, Dallas, TX 75254. The Collection Letter identifies the call back number to TCA Rentals, LLC as 888-399-1701. The Collection Letter contains several arguably false, deceptive, or misleading statements. For example:
  • “If you are unable to return the below mentioned merchandise, please call the following number within (forty-eight) 48 hours of the receipt of this letter TO AVOID CRIMINAL CHARGES BEING FILED (refer to backside): 1-888-399- 1701.”
  • The Collection Letter represents that Plaintiff could be sentenced to imprisonment.
Defendant cannot file criminal charges against Plaintiff. At best, Defendant can request for a district attorney to pursue criminal charges against Plaintiff. Arguendo, even if Defendant were able to request that a district attorney take some action against Plaintiff, it is the district attorney’s decision to charge Plaintiff with a crime—not the Defendant’s. Arguendo, even if a district attorney were to pursue criminal charges against Plaintiff, such charges do not automatically mean that the district attorney would secure a conviction—let alone a judge or jury then deciding to imprison the Plaintiff. The Collection Letter includes several arguably false, deceptive, or misleading statements about the Texas laws that it cites. Our client received the Collection Letter via certified US Mail on April 20, 2019. More than 48 hours have passed since Plaintiff received the Collection Letter. Plaintiff has not called Defendant within 48 hours after receipt of the Collection Letter. More than 5 days have passed since Plaintiff received the Collection Letter. Plaintiff has not returned the alleged leased property to Defendant. To date, Defendant has not requested that criminal charges be pursued against Plaintiff. To date, Defendant has not taken any legal action against Plaintiff. Defendant’s acts as described above were done intentionally with the purpose of terrifying and coercing Plaintiff to pay the alleged debt. The natural consequence of Defendant’s acts was harassment, oppression and abuse of Plaintiff. The natural consequence of the language Defendant used in the Letter was to abuse the reader of the Collection Letter. Agruss Law Firm helps consumers with debt collection harassment, robocalls, and credit report problems. If you received a collection letter from Turtle Creek Assets or TCA Rentals, we can help you under the Fair Debt Collection Practices Act (“FDCPA”). Under the FDCPA, you may be entitled to money damages (up to $1,000.00) and the collection agency has to pay our fees and costs.  You will not pay us a penny. If you received a collection letter from Turtle Creek Assets or TCA Rentals, please fax it to us at 312-253-4451 or e-mail it to us at  Then, call us afterward at 888-572-0176 to discuss your rights under the law. We’re here for you 24/7.

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Complaints & Comments

Hi Michael, I'm sorry to hear that you're going through this ordeal. Did anyone from Turtle Creek show up at court? Who did the judge order you to make payments to? I agree with you that what Turtle Creek is doing is wrong. There are laws set up to protect you. I will help you enforce your rights under the law. Thanks, Mike.

Hi Tina, what a mess! I can't believe Aaron's and/or Turtle Creek Assets got all of these dates, facts, etc. wrong. Did you know that, in the past, Aaron’s sold its delinquent Consumer Paper to Turtle Creek Assets at a fraction of its face value? As of November 2015, Turtle Creek Assets had purchased over $835 Million in Consumer Paper from Aaron’s! Wild, right? Well, you've come to right place. I can help you with all of these issues you're complaining about. Please send me the letter by fax at 312-253-4451 or by e-mail at <a href="" target="_blank" rel="noopener noreferrer nofollow"></a> I will then call you to discuss your rights and options under the law. Thanks, Mike.

Hi Shana, please fax or e-mail me the letter to me. My fax is 312-253-4451 and my e-mail is <a href="" target="_blank" rel="noopener noreferrer nofollow"></a> Also, will you please send me the portion of your credit report that shows this item on it? I want to see if the credit reporting is from Aaron's or from Turtle Creek Assets. You can get a free copy of your credit report at <a href="" target="_blank" rel="noopener noreferrer nofollow"></a> Once I see the letter and review your credit report, we can talk on the phone about your rights under the law. Thanks, Mike.

Hi Andrea, please send me the letter. I can help you dispute this with Turtle Creek Assets. Did you already return all of your property to Aaron's? If so, where did you rent the property from and where did you return it? I'm looking for the actual Aaron's rental furniture store? Let's discuss further details on the phone. I'll call you. You can also always reach me at 888-572-0176 or at <a href="" target="_blank" rel="noopener noreferrer nofollow"></a> Thanks, Mike.

I got a letter from tca rentals I google it and I was sent here. I have nothing from Aaron's I did have a bed that was my daughters and it fell on her why she was asleep and I made them come get it along with the TV and lawn mower. Bc they refused to fix my daughters bed or replace it bc it was broken when they brought it to me in the beginning. They still say I have the TV when I clearly don't and they say I have a sound bar I never had. I'm a disabled mom with 2 disabled children I don't know what to do about this. This was done 4 years ago but I got the letter a few days ago. Why are they doing this I never signed for the letter bc I didn't know who it was from so the post office still has it but I have the sorry we missed you slip.

Received threatening letter from TCA rentals from item on my credit already that I never had!

I received a letter from TCA Rentals this week threating criminal prosecution. I returned my item in 2015 before I left Chicago. They said I purchased it on May 23 2015, but it was purchased before that so I dont know where they got that date from but either way, I didnt purchase it in Georgia and its been off my credit report for a long time now so qhy am I getti g this letter now.

Hello I am seeing all these posts about Aarons. I rented from them and Turtle Creek threatned letter to charge me. Well since then i was charged in Rowan county court North Carolina, then i got arrested over this and the judge ordered me to pay $3234 to them that i dont have bexause i have to work. My criminal case number is 18CR054539. Can you help me get out of this cause i think what they doing is way too wrong!!!

I received my letter today very confused about the property I am disable with 8 kids and barely making the tell me that under review making deuce my payment more after 3 Months And I really don't remember it happen in 2014

I dont understand why I got this letter. I rented a TV from Aaron's back in 2015. Couldnt pay for it, after trying to stretch it out to get the payments, I called them to pick it up, which they did. It says certified mail, but was placed in my mailbox, no one signed for it, and it was forwarded from my last address. Should I take legal action? Will they arrest me although I gave it back?!

I received a letter from TCA this morning. It was a certified letter my husband had to sign for. We moved from FL to GA a year ago. It already has impacted my credit score, as this happened in 2016. It said they wrote it off as a loss. I am very scared they will arrest me, as they have previously arrested several people in Atlanta for this!

Got the same letter from TCA Rentals talk to a guy named John Anderson number 980-202-6970. Set up payment arrangement of 93 dollars a week for the amount of 744.00. What should do cancel my card?!

I received a certified letter notification on the 29th of April. However, I wasn't home to sign for it. I saw TCA rentals on the notification and decided to Google it. And it led me here. I'm afraid of actually receiving the letter now.

I was moving out of state and Aaron's wouldn't let me take the rented items with me. I asked them to get them then. They picked them up from my house. A year later the item landed on my credit report. 4 years later I get a letter in the mail saying they will file charges on an item I returned.

I got a letter today 06 may 2019 from TCA Rentals LLC from Charlotte NC.

I got a letter I don't know what it is talking about . it says it happened back 2016.

I got this exact same threatening letter today.. I do not have anything from Aaron's.

My son received this letter and Arrons picked up his TV in 2015

I just recieved a letter from TCA Rentals, LLC stating that I have 5 days to return merchandise or be prosecuted, this matter is from 2014, and has already been charged off on my credit report and has been removed from my credit report due to inaccuracies, this company has sent me a threatening letter threatening me with "prosecution" which I know they can not do. I want to take legal action against this company.

Hi Alee, I'm sorry to hear that your disabled son received such a threatening letter from Turtle Creek Assets. Does your son still have the Aaron's property? Will you please e-mail or fax the letter to me? My e-mail is My fax is 312-253-4451. We can help you. I'll call you to discuss your son't rights. Thanks, Mike.

My son, who's disabled received the exact letter from TCA Rentals of Charlotte, NC via certified mail threatening criminal charges