Product: Debt collection

On XX/XX/XXXX at XXXX, I received a call with a recorded message stating as follows : [ quote ] This message is intended for ... ... ... ... ... ... ... ... ... ... ... .., please be advised this is your final notification in regards to a formal complaint thats to be processed and released out to your local jurisdiction against you. We will be contacting your human resources department for wage assessment and employment verification. This complaint names you as a respondent, and it is attached to your name and social. It is imperative that I speak with you or your legal representation to address the pending allegations and get a statement of defense from you. Your failure to respond will result in the forfeiture of your rights to dispute the matter and a case will be processed against you. Please contact our office at XXXX. Again that number is XXXX [ unquote ] I returned the call, and was told by 'XXXX  ' that she was the 'mediation department ', and there was a complaint filed against me by XXXX XXXX  for a delinquent mastercard dating back to XXXX. I told her I had no knowledge of what she was talking about, and denied her claim. She proceeded to tell me that I would be taken to Court, my wages would be garnished, and my property would be lien 'd if I did not pay. The call ended there. I made several attempts to call back, but was sent directly to voicemail. 

I called again at XXXX XXXX  and spoke to another party who did not reveal her name, but told me she worked for Credence Resource Management ( CRM ). She updated the previous information from her colleague, by informing me that the XXXX credit card was a 'visa ' card, and that the debt dated back to a delinquency in XXXX. I requested more detailed information, but she stated she did not have any, but I could ask the Court. I asked for the amount, and she stated it was around {$1800.00}. However, because of my previous call to her colleague 'XXXX  ', she claimed my complaint had been processed and sent to Court for a judgment - that is, unless I wanted to pay her over the telephone via credit card to stop it from happening. Again, I asked her to send me documentation supporting the 'complaint ', but she refused, claiming it had been sent already, and the next time I could view it was in Court. She ended the call by informing me that the call was being recorded ( after the fact ) and will be used against me in Court, and that I would receive a summons. 

I contacted my attorney, and we both called back together. He listened as I spoke with the same person as last, and she began berating me for asking for the same information as I had earlier 'sir, I already gave you all of this information when you called last time '. I then introduced my attorney, and she could not get off the call fast enough, accusing us of recording her without consent ( we were not recording the call ), and not previously advising that my attorney was present on the call. She hung up. My attorney immediately declared it was a scam, and that any notice could not legally be served over the telephone as Credence Resource Management attempted to do.

I searched the company Credence Resource Management LLC online and found several hundred complaints filed against them. Most notably, ALL of the complainants state they never received any notice from this company as to the collection that was taking place, nor why. In every instance, Credence Resource Management LLC responded to the XXXX  complaint by claiming that they had been sent a letter, and because no letters were ever returned to Credence Resource Management as undeliverable, they declared the complainant had ignored it, which gave them the legal right to proceed with judgment and credit report action to effectively ruin people lives.

It is clear that Credence Resource Management NEVER sent letters to anyone, and hold themselves unaccountable because they are not required to add tracking to their outgoing notices to debtors to prove receipt. So they can simply lie. It's their word against everyone else 's.

As a follow-up in an effort to prevent Credence Resource Management from damaging my credit and reputation, I have sent a Debt Validation request. If they do not return it complete, I plan to sue.