CFPB Complaint

United Debt Holdings, LLC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-08-11T00:00:00

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number.

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn’t I been contacted before. I also asked why they called my friend ‘s store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I’ve had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk ‘s office. After hanging up I contacted the clerks office and was told they don’t have that type of information.

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn’t have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call.

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I just want proof of this debt and I want this lawyer ‘s office to stop calling my friend. I also find it odd that this debt isn’t on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.

Company: United Debt Holdings, LLC

State/Zip: MI 482XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2988924

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