Roosen, Varchetti & Olivier, PLLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48021	Web
I am a victim of identity theft. I had a very bad family dynamic situation which led me to be homeless in XXXX. As a result, I was not allowed to legally live or return to my family home XXXX XXXX XXXX, MI XXXX. ( Court documents are confirming this. ) As a result, I lived exclusively with an XXXX. I was a transitioning XXXX minor and she was my caregiver. ( Court documents are confirming this ) Because of the misplacement, I had to carry all of my personal information with me at all times. I lost all of that personal information which resulted in my identity was stolen. It was until years later ( Starting XXXX ) did I realize the impact that losing that personal information had on my personal and financial well being. My mother was diagnosed with XXXX XXXX XXXX and Ive had to since then return home and take care of all of the family 's financials and affairs. Since then I have been trying to stop the effects of identity theft and repair my financial well being to be able to provide for my family. Most of the damage from identity theft has been taking care of. Ive worked with the following companies and have been successful in providing the documentation they needed to deem me not responsible of the fraudulent debts someone obtained in my name : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and several other debt collection agencies. This particular debt collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been harassing, lying, stealing, and trying to intimidate me to pay a debt that they will not give me information on for years. I did not know about the debt at the time a default judgment was entered against me. This was around the time I was legally no longer allowed to live at my family residence. I didnt notice the judgment on my credit report until XXXX. I immediately called the attorney and the agency to find out more information about it. They said they would get back to me in 2-3 days. Instead of calling me with the information I requested, I started to get these harassing phone calls saying that I would be going to jail soon if I dont pay this debt. I called XXXX XXXX again, asking for the information. I told them that I was a victim of identity theft and that I think that this might be another case of that. After no response from them, I sought counsel, filed a police report, spoke to all of the credit bureaus, put a fraud alert on my profile. Being naive, I thought that was it. I thought that I did what I needed to do. Not knowing that XXXX XXXX was sending legal documents requesting financial information to my family home when I was legally not allowed to be, I had no idea there was a warrant out for my arrest for failure to appear in court in a debt collection civil case where a default judgment was entered. Unfortunately, I was young, naive, misinformed, and ill-equipped to deal with or know anything about fighting identity theft at the time. I was driving to work in XXXX of XXXX and I was XXXX and XXXX for 7 days due to this fraudulent debt. I requested then, proof of the debt that they were demanding I pay. At the time, again, I didnt know anything about how to legally fight this. My mother is in and out of the hospital 10+ times a month, my focus has been on that since Ive had to move back home. I sought the legal aid council after rebuilding myself financially from being XXXX for 7 days. I lost my job, my car was impounded, my daughter was left at an overnight daycare. After being released and paying thousands of dollars in fees and fines, I returned to XXXX XXXX in person to demand the information I needed, and to speak to someone, I was given the run around for months. Finally, I got in contact with a financial group that got mine in contact with the correct legal aid. Legal aid reached out to XXXX XXXX XXXX. We notified that he has passed away and that they had no files, case concerning me. I called XXXX courts to see if any garnishment paperwork had been filed. They garnished a {$1200.00} tax return years ago, and I was advised to call several IRS numbers and my local courts to see if those were still in place. There was no trace of the debt and its remaining affairs. Fast forward to this year, in the middle of a terrible pandemic changing the lives of everyone, taking the lives of family members and affecting the world financially, XXXX XXXX under new lawyers Roosen Varchetti & Oliver filed paperwork to garnish my state income return again. I have called, showed up, and demanded over 100+ for this information. I sought more legal aid, and when the courts open back up, I intend to file paperwork to get the default judgment they had entered against my set aside and demand proof of the debt. I have pleaded, begged, and sent them the legal documents, my police report, and all of the information they need to investigate this matter. This abuse of power, this is an abuse of the legally ignorant. This debt collection agency has been lying, harassing, and ignoring the legal information I have been sending asking for more information about this debt. I have been suffered countless financial, mental, and emotional distress from their purposeful negligence.
11/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48642	Web
I have a complaint against XXXX, XXXX XXXX XXXX XXXX - XXXX for XXXX. LLC. They are a XXXX party Debt Collector whom BOUGHT a bad debt that I had, and not proud of. I worked traveling to many jobsites continuously for 10 years, and did not receive my mail in a timely manner, Therefore, any court documents I had received and not able to get were entered as a default judgement. In 2008 they had garnished my wages from a previous employer. The original Debt was for an unsecured credit card. After making many payments, I was laid off. I had called to discuss the remaining balance they claimed I owed. They would not accept a payment plan, and told me to file for bankruptcy. In my opinion they would rather take nothing than try to work something out. The original Debt was {$15000.00} with added contractual interest of {$11000.00} were stated on their court documents, ( which last week I went to the courthouse to see, and copy ) Dated XX/XX/2008. On a request for Writ I obtained from the courts, the new amounts on XXXX were for a judgement of {$27000.00} ( Judgement interest {$12000.00}, Post Judgment costs of XXXX XXXX PAYMENTS MADE {$21000.00} and an unsatisfied amount of {$19000.00} ). Then new amount dated XXXX ( Judgement XXXXInterest XXXX XXXX Judgement cost XXXX XXXXPAYMENTS and CREDITS {$23000.00}, Unsatisfied Amount {$17000.00}. Again as stated above, after I was laid off, they were not willing to accept any payment plans. In the latest writ for Garnishment dated XXXX, which I obtained only from my Bank after they Siezed everything I had ( {$8000.00} ). On the Garnishee disclosure they stated they mailed or personally delivered a copy of this disclosure to me. Which THEY DID NOT, it was not mailed or personally delivered. They have also placed a lien on my home. In the past week on XXXX someone working for them or hired drove by my place of work taking pictures of my vehicle. Which I am sure they are going to try and seize as well. On XXXX I filed an objection motion with the XXXX XXXX XXXX XXXX scheduled for XXXX. And then again on XXXX myself and a co-worker witnessed a man pull up in front of our workplace, he sat in his vehicle on the out lawn for approx. XXXX minutes, he exited his vehicle and walked onto company property and approached a vendor whom was emptying the trash dumpster. I am waiting to hear back from him to inquire what he was discussing, or divulging to him. I feel they are aggressively harassing me now. On XXXX after my account was seized, I contacted RVO Law Firm and spoke with a XXXX XXXX. I asked him for validation of this account, and at that time he told me it was so old that he probably could not get me the information. I again called on XXXX and I inquired again. He told me I would have to get that from the courthouse documents. He was very rude, and had originally stated in our first conversation that they would continue to seize my accounts. On XXXX I sent a certified letter requesting validation of the Original creditor, All documents relating to the account, the dates of payments made, how much they purchased the debt for and any and all documents associated with it. I have also filed a complaint with the MI Attorney General. I believe that they have exceeded the statute of limitations, and they keep taking a minimal MI State Tax return to keep this case ongoing. I feel my obligations have been fullfilled and have overpaid on this debt. They continue adding interest, which is what most of this is and has basically tripled the amount of the original debt. I am praying to the good Lord above that something can be done about this and their actions before they try and take anything I have left. If you are not able to help, could you be able to refer me to someone that can. I actually tried calling about bankruptcy, but I am completely financially devasted now that they took my bank account. I respectfully appreciate your time in reading this, and I am hoping that somehow, I can get all of my seized funds returned and have them drop this case and all future collection attempts. Again, I feel they have been paid in full and overpaid at that. Thank You, XXXX XXXX XXXX
10/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30144	Web
I recently received a debt collection letter from Roosen, Varchetti & Oliver - GA PLLC dated XX/XX/XXXX, claiming I owe a debt from XXXX with a total amount due of {$1000.00}. They claim to be representing XXXX XXXX as XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX for an account ending in XXXX. Please consider this complaint as my formal dispute of this debt. I have never had any such account and do not have any outstanding/delinquent debts and have not had any such account number associated with my name or with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Further, I resided at the same address the letter was sent to since XXXX, XXXX and have never received any claims, bills, or correspondence for any such debt from any of the aforementioned company names as required under the FDCPA. Roosen, Varchetti & Oliver - GA PLLC should hereby be put on notice that I dispute this debt. They are required to comply with the law and requirements thereunder. I have also consulted with a GA attorney who advised that I file this formal complaint in an attempt to resolve this matter. Should this not immediately resolve the matter, I will be retaining the attorney and filing legal action to resolve and will request all attorney 's fees as I am entitled under the law for these attempted debt collection violation efforts. As indicated, I was never notified of any such debt and strongly believe this information is inaccurate. Under the FDCPA, I have the right to receive validation of any debt being claimed I owe. I would like the following information so that I can be fully informed : Name and address of creditor to whom debt is currently owed, account number and amount. If this debt started with a different creditor, please provide the name and address of original creditor, their account number, and amount owed to creditor at the time the debt was transferred. Provide a copy of the written agreement that created my original requirement to pay. Provide a copy of the last billing statement sent to me by the original creditor. State the amount of the debt when this firm obtained it, and when that was. Itemization of any additional interest, fees or charges added since last billing statement from original creditor showing dates and amounts for each added amount. In addition, please provide explanation how the added fees are expressly authorized by agreement creating the debt or are permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Confirmation that this debt is within the statute of limitations applicable to it and when this firm thinks the statute of limitations expires for this debt and how that was determined. I would also like more information about this firm before discussing the matter further. Does this firm have a GA debt collection license? What is the license number, name license is under, address and telephone number of the state agency issuing the license. I will need a copy of said license. Again, I believe this debt to be inaccurate and not belong to me. I have an extremely common name and monitor my credit daily. I have no knowledge of any such account. I need to receive the documentation requested to make an informed decision on how to proceed. I plan to resolve this to the fullest extent under the law. In the meantime, please treat this debt as being in dispute and under discussion. I look forward to your prompt attention to this matter.
02/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MI XXXXX	Web	Servicemember
I have filed an " Objection To the Garnishment '' & " A Motion to Set-Aside Judgment '' in the Michigan, XXXX County XXXX Court. The plaintiff failed to serve notice to me regarding an unenforceable old debt. The said debt was for unpaid fines that were issued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Prior to the fines being issued on the property it was abandoned and was forfeited to XXXX County for unpaid property taxes on XX/XX/XXXX ( please see Forfeiture Notice ). Therefore, I was unaware of any fines or judgments against the property because I no longer resided there due utilities being shut off and losing my job. My family and I moved in with family members, I applied for unemployment and food stamps. In an effort to try to save regain ownership and access to the property my husband and I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. As a result, my bankruptcy attorney notified all creditors who were listed in the bankruptcy and the City of XXXX was notified ; however, they did not submit the debts or judgment ( s ) to the Bankruptcy Court nor was I served anything regarding said judgments in XX/XX/XXXX. Again, to try to get the property out of foreclosure and move back into the home I filed another bankruptcy on XX/XX/XXXX but to no avail I was unable to get the home back, as a result, it was foreclosed on by both the bank and XXXX County for taxes. XXXX, Trustee on XX/XX/XXXX, foreclosed on the home and the home was scheduled to be sold in Sherriff Auction on XX/XX/XXXX at XXXX in public auction. During this time the City of XXXX did not inform the Bankruptcy Trustee of any pending judgment ( s ) or outstanding judgment ( s ) for fines/tickets issued to a property that I no longer lived in or belonged to me. On XX/XX/XXXX, garnished out of my bank account without any notification or knowledge of the debts in question. I contacted the bank and the debt collector to investigate why funds were taken out of my account. The person I spoke with gave me the information and indicated that she would send me out something in the mail. I gave her my address and the bankruptcy case number. Next, I contacted the City of XXXX office to dispute these false debts against me. I was told the debts were being handled by a collection attorney 's office and they were no longer handled the disputes. They gave me the dates of all the tickets/fines and judgment dates. In my defense, this debt collector has illegally brought an unenforceable false claim and time-bard judgment against me. The attorney not only violated the Michigan Statue of Limitations Law by falsely renewing a debt older than 12 years, he also disregarded court protocols and did not properly serve me. I was not even given an opportunity to present my defense before a default judgment was issued. I was entitled to the right to defend my case prior to the default judgment being issued and a writ of garnishment being filed. The attorney continued to send notice to an address that I have not resided at in over 12 plus years. The debt collector did not proper service/notice on a debt is and was time-barred, Statue of Limitations law according to MI 600.5809 ( 3 ) " Action to enforce non-contractual money obligations ; limitations. '' I am asking both XXXX and the Court to release my funds that were garnished.
09/21/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48375	Web
On XX/XX/19 I received two letters from the State of Michigan Treasury department, in separate envelopes : A Notice of Income Tax Used for Debts and a Garnisment Disclosure. The Garnishment Disclosure was against a person named : XXXX XXXX and references case # XXXX in the XXXX District Court. Upon reviewing the court case documents that are available online, it seems that the law firm Roosen, Varchetti , & Olivier falsely reported XXXX XXXX 's social security number to the court to garnish his State Tax Refund when XXXX has no interest, knowledge, association, or relation to XXXX XXXX. The Court granted the garnishment and the State of Michigan then froze the income tax return of XXXX and XXXX XXXX, which then created an injured spouse. Upon reviewing the Fair Debt Collection Practice Act, the law firm of Roosen, Varchetti, & Olivier broke the law in the following ways : 1. Took Negative Legal Action The law : Collectors cant threaten wage garnishment unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place. 2. False Statements or Representations The law : Collectors cant threaten wage garnishment, to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place. I called the State of Michigan Treasury Department upon receiving this notice at XXXX and spoke to a representative who was able to verify the error in reporting the wrong Social Security Number but could not insure that this would not happen again next year because this law firm continues to report erroneous Social Security Numbers each year to be garnished. The State of Michigan asked me to contact the law firm to have XXXX social security number removed from their case file. I contacted the law firm and spoke to the person who answered the phone. She was able to pull up the case and when she found that the State unfroze the tax return and released the payment, she remarked : " You got your money back, what more do you want? '' When I explained to her that I wanted XXXX social security number removed from the case file, she wanted me to provide Social Security Numbers, which I refused to do, since I suspect that this is a tactic that they do quite frequently based on the statements from the State of Michigan and from reading their XXXX reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ,, Once I realized that this person was not going to help me with this situation, I ended the phone call. I would like to have this law firm investigated for Identity Theft and unlawful collection practices and I want XXXX and XXXX XXXX 's Social Security Numbers removed from the case file of XXXX XXXX. Thank you for your time.
07/02/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 31210	Web
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
10/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30906	Web
On XX/XX/2022 I was served in XXXX, XXXX by a XXXX being sued by Roosen Varchetti & Oliver, on behalf of XXXX XXXX XXXX XXXX XXXX. I called and explained that XXXX 's owes me for the payments that I had for a year on the furnature and broken TV that they delivered to me that was of course torn up, broken, and infested with bed bugs and XXXX cockroaches, which was an absolute nightmare to get rid of, XXXX 's gave me a 36 month warranty on anything covering the products I got from them but upon calling numerous times with complaints of total dissatisfaction and demanding replacements and remediation for the bug infestation that they had inflicted upon my family and my house, and the damage they did to my house upon delivery, they continuously gave me excuse after excuse of how they were taking care of it, which never happened. I paid for an entire year for items I couldn't use and finally spoke to a store manager after my last payment and he told me to stop paying on the stuff, that he wouldn't put up with it and if there was something he could do to remedy the situation, he would do it for me. Back to the law firm/Deb collector XXXX, they tell me the account is not with them, they transfered it back to XXXX 's XXXX even though I never heard from or of the lawyer until my summons on XX/XX/2022. I called XXXX 's and they told me that another third party collector had the account, so I called them and they told me XXXX 's had the account, so I called XXXX 's again and they told me that XXXX had the account. So I called XXXX again and spoke to yet another foreigner rep and they told me they didn't have to account and I told them yes they do because I just got served by the XXXX being sued by them, they transfered me around 5 times and finally I spoke to yet another foreigner that said yes, my account is with them and I can settle with them for a slightly reduced amount, and I told them I refuse to pay anything, that I have pictures, bills, and no product from XXXX 's after paying for a whole year for @ {$6000.00} worth of damage. I told them I was going to counter sue for the damages, the destruction of my once great credit, and for the breach of contract by XXXX 's for not adhering to their no hassle 36 month warranty. What do I do from here, I really don't have time or patience to deal with these " XXXX XXXX '' artists anymore or their bottom feeding collection/lawyer agencies. I gave them a year of payments and chances to fix the situation, of which they did not.
10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
03/27/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30076	Web
They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.
08/28/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	GA 308XX	Web	Servicemember
Good morning. I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.
06/15/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	GA 314XX	Web	Servicemember
I currently have loans in forbearance with XXXX. Sometime last year I was served by the XXXX XXXX police department for a suet filed against me for the loans with XXXX XXXX Plaintiff Bar number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Roosen Varchetti & Olivier law firm, the law firm that represents them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been aware of having any loans with XXXX XXXX. During the trial they provided loans they ( XXXX XXXX XXXX XXXX XXXX XXXX ) alleged were purchased by XXXX XXXX XXXX which they claim included loans that were made to me from XXXX XXXX XXXX I am not able to verify this loan ( XXXX XXXX XXXX XXXX XXXX ). Although I have no knowledge of this loan, the judge ruled in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the trial they had erroneous documents with redacted information that could not be verified by me. Now I am being sued again for two other loans, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which I do not know the origin of these loans ( they are also being represented by Roosen Varchetti & Olivier law firm in XXXX XXXX XXXX in XXXX Georgia XXXX ) XXXX The Attorney is XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, she works in the law firm Roosen Varchetti & Olivier law firm. I have seen where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX was sued by the CFPB for fraudulent loan collection activity and I am confident this is the case with these loans they are claiming I owe.
12/07/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 496XX	Web
On XX/XX/XXXX my bank account was garnished about XXXX. I obtained information on garnishement from my bank. Garnished by Roosen Varchetti and Oliver. I searched their phone number and realized I had blocked this phone number on my phone in Early XXXXXXXX XXXX after multiple harassing, repeated phone calls. I get client calls on my phone so on XX/XX/2023, after receiving 2 calls in 2 minutes, I finally blocked the number. At no time, did this phone number leave a message to identify who they were or why they were calling me. My decision to block this number came after multiple days after repeated phone calls in short time frames. I am sure it was more, but the only ones I have documented are through XX/XX/XXXX. I see that they called on XX/XX/XXXX but do not have times documented. They called 2 times in 5 min on XX/XX/2023 ( XXXX and XXXX ), called 2 times in 3 minutes ( XXXX and XXXX ) on XX/XX/XXXX, 2 times in 11 minutes on XX/XX/XXXX ( XXXX and XXXX ), FIVE times in 20 minutes on XX/XX/2023 ( XXXX, XXXX, XXXX, XXXX and XXXX ) and finally, on XX/XX/2023 they called 2 times in 2 minutes ( XXXX and XXXX ) so I finally blocked the number. At no time, in any of these calls, did they leave on single voicemail. I blocked them because they were disrupting my work and not identifying themselves. I belive if they were not attempting to contact me in this manner, I would have been able to work something out with the debt that was owed.
09/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Web
A debt collector by the name of XXXX XXXX XXXX also known as Roosen Varchetti and Oliver sued me and obtained a default judgement against myself and proceeded to garnishing my wages on debt that was never verified. I received notice of the garnishment XX/XX/XXXX without receiving a summons for the garnishment more than 3 days after date of service. XXXX XXXX purchased my account from the original creditor and the creditor never sent notice of this information nor did either the creditor or debt buyer send me in writing proof of a deficiency balance, and they never verified the debt with myself and I have reached out to the debt buyer to advise of this information and filed a motion on the underlying judgment to stop the garnishment in which I was required to mail to the debt collector as well. Debt laws require verification of the debt to be sent to the debtor before pursuing the debt or collecting on said debt. XXXX XXXX failed to prove they own the debt or why I owe them more than {$8900.00} + {$1000.00} in interest fees and it makes no logical sense nor have they provided documentation proving the debt. I also filed a bankruptcy in which I received a discharge yet they were able to bypass this and garnish my wages. I called XXXX XXXX XX/XX/XXXX to let them know they are wrongfully collecting on debt that was DISCHARGED and debt that was never verified.
08/21/2015	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	MI 48073	Web
I recently received a summons and complaint from RVO Law, a representative of XXXX XXXX XXXX XXXX assignee of XXXX XXXX Bank on XXXX XXXX, 2015. I contacted RVO law on XXXX XXXX explaining my shock to the summons. I finally spoke to an individual named XXXX on XXXX XXXX, 2015. She explained that they had recently acquired a debt they believed belonged to me. This was the first exchange I 've ever had with RVO law. XXXX explained to me RVO was willing to take a settlement, avoiding any legal action. She requested bank statements, expenses, and personal information, data a collection agency has never asked of me before. This immediately sent up red flags for me. I have already been served with summons that I am obligated to respond to regardless of some agreement made post-haste. I had never been contacted by RVO law before receiving a summons. I am writing this complaint because I was never properly confronted about this debt by this particular collection agency. When I received this lawsuit I was dissuaded to respond ( to the summons ) although the wheels had been set in motion. Had I not contacted and spoke with a consumer financial protection bureau personnel I would have taken the incorrect course of action based off the miss information of the debt collection agency relayed to me, failing to respond to a lawsuit.
01/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48221	Web
In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.
11/01/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	MI 48327	Web
Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
08/25/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI 48228	Web
XXXX XXXX XXXX the original lender who I got the auto loan from and their lawyers/debt collectors Roosen, Varchetti & Olivier LLC . On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying 3+ years ago ( XXXX of XXXX ). On my credit report it shows that I owe {$17000.00} On Roosen, Varchetti & Olivier LLC payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.
05/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48127	Web
I am filing a claim against the collector for violating the Fair Debt Collection Practices Act, which prohibits suing or threatening to sue for a time-barred debt. the contract was on XX/XX/XXXX for a oil leaking vehicle a XXXX vehicle, this debt is barred from collecting. Sec XXXX XXXX statute of limitations in contracts for sale ; contractual reduction. My wages are getting garnishment since XX/XX/XXXX its been 7 years and 7 months since this contract was entered. XXXX this company Roosen, Varchetti, and Oliver, PLLC. is violating the Fair Debt Collection Practices Sections : 440.2725 Statute of limitations in contracts for sale ; contractual reduction. Sec. 2725. MICHIGAN LAWS STATES : THE CONTRACT SALE SIGN DATE WAS XX/XX/XXXX Default date is a lie and the balance is a lie you have received over, {$9000.00} You have received all the balances state income taxes, and wages you are a fraud and a scam I will not stop fighting this till you go down. This oil leaking lemon was sold for {$500.00} that tells you that I will Pursue action against you. I will not stop. Till you be reported or lose your attorney license.
06/27/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
XXXX XXXX XXXX XXXX XXXXt has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under Roosen Varchetti & Olivier Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
12/10/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31707	Web
XXXX XXXX XXXX sued me in XXXX on debt that had defaulted in XXXX, which is past the statute of limitation in the state of Georgia XXXX XXXX XXXX sued me on three time barred loans. I have notified the debt collection law firm that these debts are time barred and have engaged them in intensive discussions regarding the time barred nature of the debt. The submitted a payment ledger that shows interest accruement, however, it doesn't show any payments made by the alleged debtor. No payments were made on this loan, therefore, the default in payment would have been XX/XX/XXXX, and the lawsuit was filed on XX/XX/XXXX, which is outside the statute of limitations in the State of Georgia and, therefore, the claim is time-barred. In addition the claim being time-barred, the service was improper. Now, there is a XXXX on the property of the alleged debtor. The default judgement on the time-barred claim is causing the alleged debtor financial hardship, as it is preventing him from obtaining credit as needed, and causing him to pay higher interest rates.
05/12/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MI 483XX	Web
I have contacted Roosen Varchetti & Oliver by telephone and by mail and asked for a copy and summary of what is owed on my account. As it relates to mail I have not received a response and the letter was sent last month. As it relates to telephone I was informed that I can not receive a copy of the ledger for this account. This is troubling to me due to the fact that I am being garnished by my place of employment and I don't want to pay more than what is owed. For some time this company has not treated me with respect. Initially they withdrew money from my bank account and then I made a payment plan with them that they would not put in writing. I don't understand what kind of practice runs a business where they do not want to provide documentation to the individual they are receiving money from. In addition, the amount that I owe from my own standpoint is completely different then what they have on their site. They do not have a ledger on the website nor a summary of what has been paid. I would like that as it is only right and appropriate.
03/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MI 488XX	Web
I got an Auto Loan from XXXX XXXX for a XXXX XXXX XXXX XXXX ( XXXX XXXX ). the car blue book value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in Michigan XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of Roosen, Varchetti & Oliver PLLC to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.
11/06/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 317XX	Web
*Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.
06/14/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30349	Web
I am reaching out concerning the attorney office by the name of Roosen, Varchetti & Olivier XXXX XXXX XXXX I agreed to pay them {$2500.00} from an old debt ( 2018 ) XXXX XXXX. I made my first payment of {$350.00} on XX/XX/XXXX. Another payment of {$350.00} on XX/XX/XXXX. I have been making payments of {$350.00} bi-weekly on XXXX and end of the month from XXXX until XX/XX/XXXX. On Friday, XXXX the XXXX I received a letter from Magistrate court stating I was scheduled for a court date on XX/XX/XXXX for this case. I was very shocked. I in turned reached out to my assigned representative at Roosen , Varchetti & Olivier XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed him of the letter I received he stated he would check into it and give me a call back. I am still waiting to hear back. Im not sure why I have to show up for court when I made every payment and little bit more as agreed with this company.
04/12/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30062	Web
I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.
01/02/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48045	Web
I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.
08/22/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	AZ 85048	Web
I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.
12/10/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 31707	Web
I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with State Law. A default judgement was obtained without me being proper service, and a FIFA was issued against me and my property. I was sued in 2015, and a FIFA has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.
03/17/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MI 483XX	Web
I attempted to contact RVO and was informed that I could not speak to the representative at the extension that I called. I tried to contact the company to request a full ledger of the account, release from income tax statement as well as a judgment paid in full statement. As of date, I have received no response from the law firm. This debt has been paid in full and in its entirety. My attempts to communicate with this law firm go unnoticed or simply ignored.
01/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 485XX	Web
RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
08/27/2023	Yes	Credit card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MI 48205	Web
Please note that this company name Roosen, Varchetti & Olivier PLLC. XXXX XXXX, MI XXXX ( case no XXXX ) on a five years credit brought from XXXX XXXX. Also note this company refuse to give me a settlement pay off because I am having a financial hardship because of a XXXX XXXX XXXX XXXXXXXX and my work hours are reduce and force low income worker to pay debt in full by taking the money out of my pay check.
04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
XX/XX/2021, my job sent me a letter stating an attorney office by the name of Roosen Varchetti & Olivi was garnishing {$1200.00} from my check. I have no knowledge of this debt. I researched and called the office but I was repeatedly hung up after explaining my issue. They are located in Michigan at XXXX XXXX XXXX in XXXX XXXX, zip code XXXX. Phone XXXX.
03/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.
12/01/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MI 49022	Web
Roosen Varchetti & Olivier XXXX XXXX XXXX XXXX XXXX Michigan XXXX. Garnished {$350.00} from my checking account. My credit union charges me {$100.00}. It was not authorized and no prior knowledge was given. I have no contract with this firm. In XX/XX/2020 they garnished my state income taxes as well.
01/28/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 310XX	Web
I contacted Roosen Varchetti and Oliver on XX/XX/XXXX to verify debt from a letter I received from the Company on File # XXXX. As of XX/XX/XXXX nothing has been done and after several attempts to speak to company representative have gone unnoticed.
06/01/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	MI 48092	Web	Servicemember
I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.
01/25/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48336	Web
I am being constantly harassed by a debt collector for a debt that has been discharged previously and now they want to place a lien on any of my property.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48601	Web
The account was paid and closed and told they would remove from account. This was done XX/XX/2023 2023
03/09/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30319	Web
Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.
02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	AZ 85353	Web
On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.
11/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48612	Web

07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30039	Web

07/09/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30038	Web

07/01/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 28311	Web

04/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30127	Web

10/08/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31032	Web

04/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48173	Web

03/17/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30349	Web

02/23/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30188	Web

08/03/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90813	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48236	Web

12/15/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MI 49022	Phone

11/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31768	Phone	Older American

09/16/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	MI 48228	Phone

08/22/2020	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	MI 48236	Web	Servicemember

02/26/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30213	Web

10/15/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	GA 30093	Web

09/13/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48206	Web

07/15/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MI 48180	Web

06/27/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Phone

08/20/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

04/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Fax

03/30/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48504	Web

03/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48383	Referral

03/12/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60640	Web

12/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48217	Phone

12/01/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31719	Web

09/25/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 31069	Web

07/13/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TX 78748	Web

03/27/2017	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	GA 30296	Web

02/15/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MI 48048	Web

09/23/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 48723	Web

03/10/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48103	Web

11/27/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	GA 30087	Referral	Older American

08/12/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	MI 49045	Web	Servicemember

06/06/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MI 49045	Web	Servicemember

01/29/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48108	Web

08/25/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MI 48066	Postal mail

04/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48214	Phone	Older American

04/01/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MI 49645	Web

02/13/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	MI 48161	Phone