Cuzco Capital Investment Management, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95687	Web
My credit Card ( XXXX MasterCard ) was used in a fraud and my limit was {$300.00} and it was charged a total of {$600.00} ( according to XXXX XXXX Card Services ). When this happened they completely closed my account and refused me access to the account or customer service and never sent me any kind of correspondence. Cuzco Capital took over the account and sent me one paper on XX/XX/XXXX stating what that I owed the {$600.00}. Later that month XXXX called me and I missed their call. Within 5 minutes of missing their call they called my brother, step mom, dad, and parents house phone telling them they are trying to contact me in regards to a legal matter that if I dont respond they will take me to court. I got frantic calls about my safety and if I was in trouble. I called XXXX back and made a payment and was told I would be getting paperwork with the amount paid and owed and I set up an automatic payment with them. I never received any paperwork from them even to this day. I had gotten a new debit card the next month so that payment never went through for XXXX. They called one time leaving me a voicemail telling me they couldnt charge my account and that was it. I called Cuzco Capital to figure out what happened to the account and pay it off as XXXX XXXX Card services are the only ones who sent me paperwork saying Cuzco Capital took over the account. They said they didnt have the account and I explained to them what had happened as I know threatening legal action, contacting family members, and not sending paperwork in at least 5 business days is illegal. Cuzco took the account back and I was told I would hear back from them with a phone call and paperwork once they got the account back. I received a phone call from from them in XXXX and XXXX and the voicemail just said in regards to a business matter and that she worked for XXXX. Then in XXXX received the last call that said in regards to collect a debt. I still had not received any other paperwork. I called Cuzco on XX/XX/XXXX to see whats going on with the account and they told me I owed {$560.00} and had the option to pay {$390.00} right then to settle it. I told them that I didnt think I owed that much and wanted to check the original statements that were sent with how much debt that was owed. I was told they cant access that information. They told me that XXXX MasterCard sent the information to XXXX, who sent it to Cuzco, who sent it to XXXX, which then Cuzco pulled it back when I told them how XXXX broke the law. I asked if I could have a contact number for XXXX to see about what the statements they had for me were. I was told that they wouldnt have anything since they didnt have the account. So I stated that they would have to have record of how much I paid for legal reasons and she told me no and that I needed to pay the {$390.00} to them or set up payment plans. I repeated stating I want to see the statements that were given to them as I didnt think I owed that much. She refused and repeated my payment options or they could ask XXXX MasterCard for the statements. So I again asked about XXXX and they lady got rude and told me Im going to transfer you to my manager as you dont seem to understand what Im saying she transferred me and the manager told me right away that I paid the {$40.00} to XXXX. i was also told that XXXX is no longer a company and that they merged with another company. I explained how my card was used in a fraud and XXXX has no way for me to contact them and she said she will put in a request for paperwork from XXXX but that it was really hard to get anything from them in general and with the Covid pandemic its been even harder. I will be waiting to hear from them and was told it will most likely be at least a month.
11/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75104	Web
I was texted by a phone number XXXX. I returned the call, there was an auto attendant that announced that there was pending matter in the office of XXXX XXXX with a representative of XXXX XXXX. I held for an operative. I received XXXX XXXX. I asked a few questions about who XXXX XXXX XXXX was. He reported that they were a, and claims processing agent for XXXX XXXX. He had my birthdate and my last four of the social security number. He was agitated that I was asking questions. He finally explained that he was calling for XXXX XXXX and there was an unpaid debt. I acknowledged that I had a previous account with XXXX XXXX with a XXXX Card. I explained that this was paid and that periodically there were debt collectors that called and tried to re-collect it again. I asked if he was a contractor or had he purchased a debt to collect. He said that they were a skip tracer engaged to learn if there was a case of action against me, which I take to be legal action and is a threat. I said that I was uncertain if this was a scam. He was incensed that I would think this and said that he made 400 calls a day and that everyone claimed it was a scam! I said that I didn't believe he could make 400 calls per day. He got angrier and said that most were hang ups, and went on to say that he had tried 4 numbers for me today. ( To clarify, I had received a previous text and call last week from I believe the same company, and they had reached my wife and my ex wife via text message. When I spoke to that representative, he hung up when I mentioned that I needed to know everything about him and the company to file a complaint with the FTC. ) I said that he was annoying my family and friends by making these calls on a paid debt. He was incensed again and said that I was combative and didn't want to cooperate so that he was going to recommend that they take action against me. I consider this to be combative and unusually aggressive. I have paid the debt, and I am not interested in sending proof, which verifies my personal information. I am not certain if these are these are scammers, or if they obtain this information and think that they can call unsuspecting individuals that don't know which debts they have paid, and get a few dollars out of them. I am not certain that they are a legitimate company, and if they are, they use aggressive and threatening tactics, even if there is no debt. The number that I received the text from today, XX/XX/2020 was XXXX. The previous call was from XXXX. Please reach out to this company and admonish them to follow the rules and not attempt to intimidate or threaten people. I am certain that if there ever is any legal action that it would be dismissed as there is not basis.
11/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 461XX	Web
In XX/XX/XXXX I took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for XXXX surgeries. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX XXXX and was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help
02/01/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 347XX	Web
The company called XXXX XXXX XXXX is representation of Cuzco Captial. Called my job and personal phone with threats of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or Cuzco capital. XXXX they stated I owed an amount why higher than what XXXX ever had. This is also illegal
02/01/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 347XX	Web
The company called my job and embarrassed me by not being professional. They called my phone and would not identify themselves then threatened me with law suits and hung up in my face repeatedly. They laughed and mocked me and wouldnt let me speak. They wouldnt verify the debt after I asked them several times. They caused me great XXXX distress
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75754	Web

10/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN 37062	Web

02/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10023	Postal mail

08/10/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48843	Phone