| 06/21/2017 |
Yes |
- Debt collection
- Credit card 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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Web |
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To whom it may concern, I am attaching all information regarding the fraudulent debt, improper service and defamation of character as it relates to XXXX XXXX XXXX / XXXX XXXX. I have no debts in collection at this time and all three of my credit reports are clean. This is an invalid debt from a XXXX credit card from XX/XX/XXXX that was removed from my credit report in XX/XX/XXXXdue to Statute of Limitations. It looks as though they tried to reset the debt in XX/XX/XXXXand have been mailing me throughout the years and sending lawsuit paperwork which I know is a scam.
When I tried to contact XXXX XXXX XXXX they harassed me and were extremely rude and even when I stated this was illegal and it is an invalid debt they have continued over the years to mail me more paperwork. At first I thought it must have been an identity theft since I had been robbed but it turned out it was an invalid debt that was over the statute of limitations.
I tried to send a certified demand letter stating the debt was invalid in XX/XX/XXXX but it went nowhere and the letters continued to come.
Currently as of XX/XX/XXXX they placed a hold on a joint XXXX account in XXXX and have stolen {$45.00} and have caused my life to be in ruins. I moved XX/XX/XXXX to XXXX due to a XXXX called XXXX XXXX and am unable to work.
It is my hope that we have XXXX XXXX XXXX and XXXX XXXX put out of business for this illegal behavior and all Lawyers disbarred who work at their fraudulent firm. I think they should be imprisoned for these frauds.
As the attachments will show they have been stalking me for years via mail and I used to get harassing calls as well. I suffer from XXXX distress due to years of their mail and harassment and have never been able to enjoy my quiet and peaceful enjoyment of life, so they are directly violating my Consumer and Civil Rights for the last seven years.
I had a professional help me clean my credit report in XX/XX/XXXXwhen I was applying for an apartment and was being charged over {$2000.00} for a deposit for a studio apartment rental since my credit was not good. He told me and wrote on my reports that almost all my debt was 'XXXX ' and told me about the Statute of Limitations. It was then that I learned about time barred debt and we disputed all the items and they were cleared off my credit reports.
I even have the charge off letter from XXXX XXXX from XX/XX/XXXX, see attached. I am livid to find out this fraudulent company can steal from a XXXX person and ruin my life and credit.
I was improperly served on XX/XX/XXXX by the XXXX County Police Department and never got paperwork showing I was served. I moved out of California on XX/XX/XXXX so I am stunned they were able to steal {$45.00} from our joint XXXX checking account and place a hold on it stating I owe {$3000.00} for an invalid debt. They even had a judge sign off on this bogus paperwork, so now I am disgusted how far this scam has gone. I called the XXXX Court to follow up with why they would improperly serve and sign off on a fraudulent debt and all I got was a bunch of lip service. Seems like everyone is corrupt and nobody is accountable. They were extremely rude and informed me they can not give legal advice so I knew it was a matter for the CFPB to help me.
My husband and I are very concerned they will steal from us again and are hoping to resolve this and get our money that was stolen back as quickly as possible. In XX/XX/XXXX they also sent a wage garnishment to my ex employer after I was not working there which was defamation of character.
Attached are all of the correspondence from XXXX XXXX XXXX / XXXX XXXX from over the years and my past credit reports which show there are no collections on my credit.
I appreciate your help in resolving this horrific situation. My life has been ruined from a bureaucratic nightmare and I am currently filing for XXXX which is pending and unable to survive, so XXXX XXXX XXXX XXXX XXXX XXXX steals from XXXX people and they should be held accountable for their many illegal actions and shut down. They stole my last {$45.00} and have jeopardized my family 's well being.
Please contact me with any questions. I have proof on my current and past credit reports that I can prove but did not wish for the XXXX XXXX XXXX and XXXX XXXX to see those documents as they have invaded my life enough. If you need these documents please advise. I did include the Social Security documents to prove that they are stealing from the XXXX which is an even more disgusting crime.
Thank you,
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| 02/09/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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I received a letter from XXXX Bank on XXXX/XXXX/XXXX and found out the bank has placed hold on my checking account for {$2600.00} effective XXXX/XXXX/XXXX, because the bank received a garnishment order from a court. So, I went to the district court and obtained a copy of the documents pertaining to the garnishment order. It shows that a debt collector had filed a civil lawsuit against me to collect {$2000.00} in XXXX XXXX. But I have absolutely no idea about the debt. I do believe strongly that there were mistakes on their part and it was not my debt they are trying to collect. The court document did not have any detailed information about the debt. The debt collector 's name is First Resolution Investment Corporation, XXXX, OH, which appeares as plaintiff on Garnishment Disclosure. I hired an experienced local attorney on XXXX/XXXX/XXXX. He had to make a several phone calls until he could locate the attorney representing the debt collector. My attorney found out the debt was originally from a credit card issued by XXXX in XXXX or XXXX. But I never had a credit card from XXXX until XXXX. I have had a XXXX credit card from XXXX Bank since XXXX and I rarely missed a monthly payment the last 15 years. A copy of the court document showed the court had issued a summons on XXXX/XXXX/XXXX. But I never received it in mail or in person or by any other methods. So, I was n't aware that someone had filed a civil lawsuit against me for collecting debt. The court entered a default judgment on XXXX/XXXX/XXXX because I did not appear in the court to dispute the allegation. But I could not respond because I had never received a summons and I did not know about the lawsuit at all.
It was XXXX/XXXX/XXXX that I found out a debt collector has been trying to collect debt from me when I received a letter from XXXX Bank regarding the garnishment of {$2600.00} on my checking account.
My attorney has tried to obtain from the debt collector any evidence that would show my name and address and details of the debt, such as a copy of the original credit card statements, but they have not been able to produce such evidence.
I lost my wallet in XXXX and there was my social security information in the wallet. I suspect that someone had opened a credit card account in my name with XXXX and used the card without paying it.
I would be very grateful if you could force the debt Collector, First Resolution Investment Corporation, XXXX, OH to stop from harassing innocent people. Please also ask them to provide me with evidence such as copies of the original credit card statements and other document so I can review it. It is so unjust, so unfair to garnish more than 10 % of my family 's annual income without their having any detailed information about the debt.
I have been able to hire an attorney and pay him for a few hours of his work, but my wife and I do not earn sufficient income to pay him to fight such a frivolous and unjust lawsuit in court. Our XXXX Income Tax Returns indicates a gross annual income of about {$20000.00} to {$28000.00} for the last 12 years for a family of XXXX.
Sincerely,
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| 12/07/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.
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| 09/27/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.
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| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Servicemember |
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XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
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| 06/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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| 05/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Phone |
Servicemember |
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| 04/01/2017 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 09/21/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Postal mail |
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| 07/11/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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| 04/25/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Postal mail |
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| 02/24/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 12/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Postal mail |
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