CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-06-12T00:00:00

Product: Payday loan debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This is what I ‘m sending t o one o f the credit reporting agencies as well as the CT Attorney General ‘s office. This explains the whole situation in detail. To : TransUnion-Dispute From : XXXX XXXX Date : XXXX XXXX , XXXX Re : Dispute # XXXX On XXXX XXXX , XXXX , I disputed a collection account from, XXXX XXXX XXXX . Upon further research, I discovered I have never had any accounts with the original creditor, XXXX XXXX Bank, XXXX . On XXXX XXXX , XXXX , I received a phone call from a receptionist saying I must talk to someone named, XXXX XXXX to discuss resolving an account from a payday loan in XXXX . Something I have I NEVER applied for nor ever heard of. From initial contact, XXXX XXXX asked if my name is, XXXX XXXX . I informed him that was my former name and how I can help him. He then asked for me to confirm my social security number over the phone. Not knowing who this company is, I refused to provide my social and hung up the phone. Because of the fishiness of the call, I called XXXX back and I decided to video record & provide the legal disclaimer of recordings on ALL conversations using another cell phone. I was seeking further information about the legitimacy of the company before confirming any type of personal information. From that point on, Ive been hung up on, told to get a life and a job, I probably listen to rap music and thats why I cant afford my bills, and was constantly asked to confirm a social security number he is repeating repeatedly. Upon further research XXXX is working on behalf of PORTFOLIO RECOVERY ASSOCIATES, the same company I disputed 4 DAYS prior to receiving any type of communication from this company. I repeatedly called XXXX , several times after to get information about this so-called payday loan from XXXX . On XXXX XXXX , XXXX at XXXX XXXX , I received a phone call from the Connecticut State Police ( stationed in XXXX , CT ) i nforming me that XXXX XXXX asked to stop calling his office. I explained the situation to the officer & agreed to not contact XXXX and the officer stated that XXXX must cease contact with me. LITER ALLY 17 mi nutes later, XXXX is once again robo-calling me from the SAME phone number to call another phone number to discuss the same account. At that point, I filed a police report with the XXXX XXXX Police Department, complaint # XXXX for harassment and unauthorized contact with me during the dispute I filed on XXXX XXXX , XXXX through XXXX XXXX to XXXX . I have attached the copy of the police report, a copy of my phone log showing the phone number of XXXX , the time CT State Police called me, and another robo-call AFTER speaking with CT State police. I plan on pursuing legal action against this company for violating several FCRA laws, giving out my social security number without any type of identification validation & using racial bias & discrimination as a collection intimidation tactic. Thank you, XXXX XXXX Cc : XXXX a.k.a . Portfolio Recovery Associates B cc : Consumer Financial Protection Bureau Bccc : CT Office of the Attorney General

READ  CL HOLDINGS LLC - CFPB Complaint 2017-08-18


State/Zip: CT 065XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2535664

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