Consumer complaint received 2022-02-20
Company: Rock Creek Capital, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is for Rock Creek Capital , LLC, and XXXX  : XXXX XXXX XXXX XXXX XXXX. In XXXX I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called XXXX. The leased vehicle was returned to XXXX according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from XXXX XXXX, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. that there was any deficient balance or any balance owed. I do remember, even though this was almost 4 years ago, after I returned the vehicle, calling the leasing company to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with them that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost 4 years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX which complies with 15 U.S.C. 1692g, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Tx. XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX  is trying to comply with the federal statue but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, XXXX who later bought them out and is now also out of business. Since XXXX is out of business I have no way contacting them to get access to my customer account. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the one notice I received XXXX almost 4 years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint agains XXXX who is representing a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation