| 04/21/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX
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| 05/16/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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