Consumer complaint received 2017-05-13
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed a complaint about these companies   XXXX   XXXX   XXXX   XXXX  , UNIFUND CCR LLC PARTNERS and   XXXX   XXXX   XXXX  . In the response these companies continued to fabricate. This is from an excerpt in from a CFPB article " Not only did   XXXX   fail to forward the payments made to the collection agencies unifund ccr partners and   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   but it had also sold some debts with inflated interest rates. In some cases, the rates given to collection agencies were as high as 29 % when in reality they were 0 %. " It also used law firms that altered court documents, CFPB Director   XXXX   XXXX   said in a statement.
To this day Unifund ccr partners using the law firm   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX    used a legal services company that has a history or forging, providing sewer summons service   XXXX   XXXX   XXXX   XXXX   at the time   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   ( Corporate ). produced a fraudulent service in this complaint. I never received the summons they lied on the description and this is how they caused a defaulted judgement and court case continued to perpetrate fraud on the courts and harassment.
I received the responses from   XXXX   and unifund ccr partner through   XXXX   XXXX   XXXX   through the CFPB on   XX/XX/XXXX  in whereas even in  XX/XX/XXXX  these  companies sent 2 responses lying about the amount the charged off account was at the the time of sale  XXXX  states " At the time the account was sold, the balance was {$9300.00} ''   XXXX   XXXX    XXXX . Then unifund ccr partner states-Please note THIS IS SAME TRANACTION " The balance at the time of purc hase was   XXXX   XXXX  -   XXXX   XXXX   .  So they have confrimed in written documents they both are still participating in fraud and illegal debt collection practices   XXXX    sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director   XXXX   XXXX  . they havent had correct record and fabricated amounts on these separate responses also. Should n't both these companies be out of business for continual fraud and deceptive practices of fraud " junk debt collection ''. One company saying and stating it was Excerpt from the source of CFPB and article by the   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director   XXXX   XXXX  . Todays action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market.
In the other action, the bureau ordered   XXXX   to refund consumers {$11.00} million over the banks use of law firms that allegedly altered affidavits filed in debt collection lawsuits. The action also names   XXXX     XXXX  affiliates,   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  , and the  XXXX  debt collection law firms, which are based in New York and New Jersey.
They are still using these law firms to perpetuate this fraud because I have this case that is on going as of date   XX/XX/XXXX  and the y meaning uni-fund ccr partners,   XXXX   XXXX   XXXX   XXXX  , through   XXXX   XXXX   XXXX   on the   XXXX   XXXX   in California. I am seeking the CFPB investigates this law firm and that this law firm   XXXX   XXXX   XXXX   receives sanctions for fraud on the court and unifund ccr partners be fined and face injunction for trying to collect on fraudulent debt. I am asking that the CFPB actually forwards this complaint to the Attorney General and the Federal Trade Commission. The FTC actually forwards to the CFPB for complaint sent fabricated document of this stature. I have sent letters to validate the amounts they havent. I sent documents on statue of limitation because they are trying to sue me on credit card debt that 4 times over the California SOL where the dates of last payment was changed in violation of the FDCPA and California Statues of Limitations, I sent cease and desist letters and they are continuing to harass me with lawsuit court dates. I received a default judgment they used this legal company   XXXX   XXXX   XXXX   to lie they never served me so it can go into default judgement. They lied on the not proof of summons the description of the citizen not served as  XXXX  '' tall he is  XXXX  ''. i had to put several sleepless hours of work to dispute this case. Suffered   XXXX   XXXX   went to the doctor because I have   XXXX   XXXX   and had to go back to hospital one night because of this harassment. I hope you CFPB help fight for the unknowing that have been abused and committed suicide while most of the junk debt collectors knew these individuals did not owe these debts and they continued to be abuse by these practices these companies are continuing these illegal and severely abusive tactics in   XX/XX/XXXX  wit h no regard to the law or fines. I am submitting this complaint that the CFPB actually forwards this complaint to the Attorney General and the Federal Trade Commission and more legal action is taken against these companies on the west coast in California also.

Company response to consumer: Closed with explanation