Date Received: 2017-06-08T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Regional Finance s ent a live check to my address in XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in XX/XX/XXXX and the account was reported on my credit report. I spoke with XXXX XXXX on the phone as well as in person in XX/XX/XXXX and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on XX/XX/XXXX stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on XX/XX/XXXX to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on XX/XX/XXXX and I denied the claim. They had to set another court date for XX/XX/XXXX . This situation has cost me time away from work, has negatively affected my credit score I worked years to increase and caused me undue XXXX that is effecting my health. I see today they have run a hard inquiry on my credit on XX/XX/XXXX that was not authorized as well. I am contacting an attorney today.

See also  Navient Solutions - CFPB Complaint ID 2772321


State/Zip: TN 371XX

Company Response to Complaint: Closed with monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2536629

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