| 08/10/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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I took out a personal loan with XXXX XXXX. I fell behind due to losing my source of income. I attempted on multiple occasions to work out a repayment plan for the {$15000.00}. This was originally attempted with XXXX XXXX through XXXX XXXX. I was going to try {$500.00}, but that was unmanageable on the limited income I may currently obtain. I did make a payment of {$100.00} and was going back and forth with XXXX regarding the letter they kept attempting to have me sign.
There were a number of issues : - The letter threatened to take legal issue against me in the state of TX, where I neither reside or signed any business with XXXX XXXX or XXXX XXXX
- The dates listed on the varying letters were day of or prior dates to when I received the attachment of the letter to sign.
After a while, XXXX must have given up as supposedly the decision to accept any payment plan was through XXXX XXXX ( XXXX 's lawyer? ).
The communications between XXXX and I went on between XXXX XXXX and XXXX XXXX. Then they ceased. However, I did not mind working with XXXX, but apparently her hands were tied. I tried to negotiate with her to do {$250.00} a month until I was more financially stable. She said XXXX refused, and at this point is when the communications stopped.
Communications then resumed through XXXX XXXX with XXXX. She has intentionally left an incorrect callback number. I 've noticed this as a normal tactic with XXXX XXXX since their first attempt to reach me ( someone assigned to my file long before XXXX XXXX ). On the XXXX voicemails, as already addressed with XXXX, the phone number she leaves on the voicemail is XXXX, when I had to do a XXXX search and found a similar number XXXX. Every time she called, she would leave this transposed number. These communications started around XXXX XXXX.
They have recently ceased due to the threatening and harassing comments made by XXXX XXXX. I again tried working out {$250.00} a month. She said no, I am required to provide $ 750-1,000 a month. I informed her that at {$15.00} an hour average, this is well above any disposable income. She got very aggressive with me, stated it would hurt my credit and that I will be sued. I tried to reason with her, at which point, she very rudely stated, " You brought this on yourself, '' among other comments.
They have also called me back to back with 60 seconds when they do call me. My balance with them was {$15000.00}. Today, XXXX XXXX, XXXX XXXX called me again, stating that my new balance with them is {$20000.00} judgement and that I " simply would not cooperate. '' This is completely false as I 've stated multiple times that I wanted to work out $ 100-250 a month as the max I could potentially do. At the end of today 's voicemail, " Please note that our attorney has issued a judgement against you and intends to enforce this judgement to the fullest extent of the law. Now we have some payment options available if you wish to resolve this matter before our attorney comes after your assets. '' I am trying to avoid bankruptcy, but at this point, they are threatening to come after me and THEY are unwilling to work within REASONABLE means to resolve this matter. Between XXXX XXXX 's attitude, harassment, and snide comments, I 'm not sure what else to do other than consult with an attorney to file for bankruptcy, at which point, they would receive little to nothing ( as I 've nothing left to give ).
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| 10/01/2021 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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On XX/XX/XXXX I received a phone call from a gentleman saying he was representing an attorney by the name of XXXX XXXX. The phone number he used to call me was ( XXXX ) XXXX. Knowing I do not have any debts, I suspected it was a scam and hung up the phone. The man then proceeded rapid texting me in a harassing way, making threats to place liens on my current business. He referenced my personal bankruptcy, and that I was still operating a former business, however the referenced business has been non-operational since XXXX. I did not respond to the initial text messages. He then proceeded to text me again on XX/XX/XXXX, again making threats to send liens to current clients, who have nothing to do with my former business, and stating their is a UCC lien with my Secretary of State, saying they have been asked to enforce it. That is a lie. He then proceeded to tell me to call his phone number, which was a different one than the one he was texting me from. This number was XXXX. I have maintained this text dialogue on my phone should it need to be reviewed. We went back and forth in communication, where I told him the business of which was included in my bankruptcy he was referencing has been non-operational since XXXX. Also, despite saying he represented XXXX XXXX the day prior, he now said his name was XXXX XXXX, and the attorney 's name is XXXX XXXX of XXXX XXXX. He finally said the creditor is XXXX XXXX XXXX, but no mention of amount, account #, etc. I reviewed my bankruptcy, of which was filed in XXXX, and found them listed in the bankruptcy as a creditor. He says his next step is to send me an email. I did not send him my email, so I do not know if he will truly do that, or if he actually has a copy of my email. Regardless, he is harassing me, and I need it to stop. He has no justification to collect this debt that was discharged in bankruptcy court. All creditors were notified prior to the court date, and no one showed. Therefore, he needs to go away.
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| 01/23/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.
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| 07/03/2023 |
No |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
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Web |
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Please see attachment The letter I sent to the attorney and his representative has everything.
But just in case 1. They called my Poa at XXXX XXXX 2. They contact me instead of my Poa 3. They texted a unauthorized 3rd party I didnt not authorize them to do so and tell them my balance and court information etc 4. Recorded my Poa on the phone without her authorization in California And other things please review
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| 07/03/2023 |
No |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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| 03/21/2022 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 07/19/2020 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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