Product: Debt collection

This is unbelievable. XXXX XXXX XXXX from P & F is now exploiting his position to abhorrently gaslight me, on top of the abusive leapfrog bully tactics he was already committing with his XXXX lawsuit. He's claiming I'm making things up with my " tremendous imagination '' when I claim ( according to him ) my XXXX XXXX XXXX XXXX account was mysteriously locked on " XX/XX/XXXX. '' Excuse me? I NEVER said my account was locked on XX/XX/XXXX. If P & F were willing to apply some of their actual brains to this case ( a tactic they've been sorely lacking since the very beginning of this entire legal process ), you'll notice what I actually said in my previous CFPB complaint is that my XXXX XXXX was getting repeatedly locked at the beginning of XXXX this year! Everyone involved in this case : PLEASE refer attached e-mail screenshots from XXXX XXXX 's security system. And also please bear in mind : The first time it happened on early XX/XX/XXXX, I reset my account from work that morning to satisfy the request. When it happened at almost the exact same time on XXXXXXXX XXXX EST the next day, I waited over a week before I reset the account again because I was FEARFUL it was just going to keep happening every night! Are you saying I imagined these incidents, when the emails are sitting directly in front of you? This didn't really happen at the beginning of XXXX? I didn't actually have to log in and verify my credentials two days in a row to unlock my account? So P & F is claiming this is just my " tremendous imagination '' making all of this up? As pursuant for CFPB case numbers XXXX and XXXX : I filed these reports to XXXX and P & F a week ago because now I'm legitimately struggling to understand who actually, officially owns my defaulted bank account. Is it wholly in P & F 's ownership? Or is it still owned by XXXX, and P & F is representing them in an authentic attorney-client relationship? This is where XXXX and P & F are giving me conflicting answers from two completely different legal universes. This is the primary concern XXXX XXXX XXXX didn't even attempt to answer in his " Duhhhh, you're crazy! '' response he submitted to the CFPB on XX/XX/XXXX. Which, just by itself on paper, I'm pretty sure that's violating some disclosure rights I'm supposed to have when I'm trying to figure out WHAT IS GOING ON WITH MY BANK ACCOUNT! But what I'm REALLY trying to understand here is : Who legally, officially owned my account on the day the collection lawsuit was filed last year? WAS it really XXXX 's account with P & F acting on their behalf, as P & F so forcefully claimed last year? Or were P & F only the third party owners, and my account was sold or traded to them prior to XXXX, and they FALSIFIED AN ENTIRE LAWSUIT LAST YEAR claiming they were representatives of the original bank? And did XXXX XXXX get fooled by P & F 's false claims last year, and that's a reason that guy won't say a word to me anymore? Is that what's going on here? THIS what I really need to understand about my account! Because IF this is P & F simply saying they're XXXX XXXX personal representatives when they're really not, then 1 : P & F are the ones here with a " tremendous imagination. '' And more importantly, 2 : That's fraudulent representation in a legal case they brute-forced through the local XXXXXXXX XXXX XXXXXXXX! I'm still waiting for XXXX 's official response to this CFPB case. Are they going to tell me there's NOTHING they can say, there's NOTHING they can file, that would stop P & F from attacking and victimizing XXXX XXXX ( former ) customers by filing bogus lawsuits where they deceitfully pretend to be XXXXXXXX XXXX the original creditor? Just remember the ugly, confusing, exhausting fight we're all having right now is the legal fight YOU insisted on having with the way you filed the lawsuit! Apparently P & F 's ethical belief is : Just because I'm in debt for corrupt family reasons I can't control and I'm never able to investigate, they need to urgently need to treat me like garbage. I should be allowed to defend myself from you!