| 10/01/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX and XXXX XXXX has avoided my attempts to contact them regarding an elevated charge and lack of return of my security deposit and credit for over-payment of rent. Now after 7 years they're contacting me with high interest and late charges. Traco is now representing XXXX XXXX, a commercial real estate company. I lived in one of XXXX XXXX apartments on XXXX XXXX XXXX, XXXX XXXX, CA from XX/XX/XXXX to XX/XX/XXXX. When I moved in, there was a broken sliding balcony screen door along with a broken screen door lock and backed up kitchen plumbing that I reported to the manager. XXXX had a plumber fix the plumbing and charged me for it-which I shouldn't have had to pay since it was already a problem prior to my moving in. They never fixed the balcony screen and lock causing a safety issue for me. I moved out in XX/XX/XXXX. I provided a 30-day advance letter/notice. I also spoke on the phone with a supervisor at extension XXXX regarding my move-out. At the time I never experienced it before, but someone told be that many apartment management companies try to keep your security deposit by racking-up unnecessary charges stating you owe. So, on the day I moved out I went to XXXX office ( at XXXX XXXX XXXX XXXX. XXXX XXXX in XXXX, CA XXXX ) to return the keys and discuss my security deposit in person. The front desk female representative stated there was no one to talk to. I asked for the supervisor at extension XXXX that I spoke to before and the rep stated no one was available. I called after for the return of my security deposit and I was given the run-around again, stating there was no one available to talk to. I attempted on several occasions after that to settle my move-out and to get the return of my deposit and I kept getting voice mails and no live person to discuss. In XX/XX/XXXX I received a bill forwarded to my new address ( I have the hard copy of that bill ) with a balance of {$1100.00} : General cleaning {$95.00}, Interior painting {$180.00}, Sliding door repair {$20.00}, Legal fee {$670.00}, Security deposit credit {$700.00}, Credit for 13 days base rent {$490.00}. I'm unsure why there was a legal fee in XX/XX/XXXX when I moved out in XXXX XXXX- and also, at the time no one wanted to talk to me about returning my security deposit. If I owed for cleaning and interior paint, that could've been discussed and resolved with my numerous attempts to contact them to talk about the return of my deposit-I know the sliding screen door was broke prior to my moving in, I complained about this safety issue to the onsite managers ( the onsite managers were a married couple who never fixed the problem ) I was concerned about my safety because although the unit was elevated it still faced the street-and why was there a {$670.00} legal fee tacked onto this bill after they avoided my contacts? I called after receiving the bill and still got the same run-around. I returned a copy of the bill to the address and wrote that they were not going to receive another dime from me, regarding the jacked-up fraudulent charges. I didn't receive anything from them again until I received a notice of involuntary lien against my real property on XX/XX/XXXX for {$1200.00} from Traco billing company ( I have the copy ) lawyer : XXXX XXXX XXXX, XXXX. The phone number is cut off the lien notice, so I couldn't call to inquire. I had a financial representative do some research to find the phone number and call to inquire ; he spoke to a rep who couldnt provide any information and was given another phone number ; when he called that number he received a voice mail. I called that same number several times and left messages requesting to speak to the lawyer or a live person and I never received a call back. Both he, my financial rep, and I called many, many, many times to inquire-because I don't want a lien on my home or a false report on my good credit-and we both kept getting voicemails. No one would call back. I didn't receive any other correspondence until my financial rep received a harassing phone call in XX/XX/XXXX of a rude female person requesting information about me. I was in the car and heard the call on speaker. The rep refused to state who she was or where she was calling from. She kept asking questions about me and wouldn't reveal who she was. My rep finally told her if she couldn't reveal who she was and the reason for the call he would have to hang up. This was shocking to the both of us, and we had no clue this was Traco calling until I researched the number on his caller ID on a XXXX search. Shortly after I received this most recent contact a bill in the mail dated XX/XX/XXXX from Traco for {$2600.00} which includes interest/late charges. This time the letter has a complete address and phone number. The bill also notes that if I attempt to pay that the payment may be hire than what is stated on the bill. What kind of business practice is this? These people deliberately avoided contact with me and my attempts to receive back my security deposit and credit for rent overpayment. Then sent me a fraudulent racked-up bill and still avoided my contact. Now they're sending a bill over 7 years later with even more so-called legal, interest and late fees and will attempt to collect by putting a lien on my home and reporting this on my credit if I don't pay. I am disputing this bill and their fraudulent business practices! I dont want this company fraudulently putting a lien on my home and ruining my good credit. I worked very hard at building my credit, paying all the debtors I owed and earnestly keeping my credit in the good status it is today.
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| 02/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After researching debt collection laws it has come to my attention that this company fraudulently filed a lawsuit on a time-barred debt and my wages are being garnished 17 years later and theres no validation or verification of a debt of any kind between this company and myself. Seems they lied and filed a small claims case to collect a debt that they are not owed and I only heard of this company less than a year ago. The claim is I owe them a debt from XXXX with XXXX XXXX XXXX and that II was served to go to court in XXXX. Theres no verification of a contract, no signatures and I could say there were no verbal agreements engaging myself and them in any contractual agreement. It seems they are using or used at this stage unethical and unlawful tactics and manipulated the courts all the while violating several debt collection practices acts and committing fraud having zero regard for any laws.
Even though there was a determination in the case, I was never able to defend myself and I stated to the judge the Statute of Limitations had passed since the time the debt was first reported in XXXX. I was in contract with XXXX XXXX NOT this company. SEE Uploaded confirmation. The State of California Commissions on Judicial Performance should investigate as I filed a complaint as well. How this is possible looking at the Federal and State Statute of Limitations on debt collections, FDCPA, FTC and other agencies, I dont know if theres anything about this claim thats legit and operating within the law. My choices now are to pay it. ( If I actually owed this money Id be okay with paying ), or I need to file XXXX XXXX bankruptcy or leave my job or file a lawsuit myself for violating The Fair Debt Collection Practices Act. I dont really want to do any of these things but Im left with no choice. Im already tax exempt and now have to pay a free hand out to a company I'm NOT in debt with. What about all the other victims that are going through hardships due to corrupt and fraudulent companies such as this one. Every government agency this letter finds somehow needs to invoke an investigation into these deceptive practices.
***The FTC claims this on their website The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. I will be filing with them, the Attorney General, FDCPA, CFPB, XXXX and every governing agency available. Lets see what happens.
Also, someone from this company called my work and was directing the business office to deposit money into there account from. That is not allowed and I personally do not authorize any calls on my behalf to my work. .The Law clearly states that a Time-barred debt is not enforceable after 7 years and thats IF there ever was a debt. So how is this able to hold up? How is it being enforced? A Judge should know the Laws and have dismissed this mockery from day one. Feels very corrupt. So what will the CFPB actually do about this? I dont need a mediator. I'm sure it's too late, I got duped but It deserves to be looked at for all the other victims dealing with this sort of XXXX. You will see I uploaded proof of the original start date from an old credit bureau and the creditor from XX/XX/XXXX. Something stinks here and it needs attention by the government.
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| 02/08/2018 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt.
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated.
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
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| 09/21/2017 |
Yes |
- Debt collection
- Other 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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On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years.
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period.
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID.
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.
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| 02/11/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/XXXX Traco Investments call me serval times threating me that he is going take my cars and boats any personal property I possession. I was never server from this company at all about any owe money of {$6900.00}.
XX/XX/XXXX Traco Investments call me serval times threating once again about owe money and said he going to take my cars and boats any bank account I owe any personal property I possession. I still wasn't served with any document of this action against me.
XX/XX/XXXX Traco Investments serve paper to my employer which was a wage assignment to take 25 % of my earning on my paycheck. It was ducted on XX/XX/XXXX of {$470.00}. I was devastated around this time I was struggling to pay my rent. My employer did comply but fail to give me notice of these actions as well. Traco Investments took me to court on XX/XX/XXXX and won the case to collect on this debt that is total fraud. He not an illegitimate business and this is not real case, and I never had any business relations with company and to note this is not even my debt. Court rules this company in favor of {$75.00} of monthly.
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| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Phone |
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| 06/06/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Phone |
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