Consumer complaint received 2022-05-24
Company: Financial Recovery Services, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent a debt validation and proof of claim letter to XXXX XXXX XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, whom another debt collection company ( XXXX XXXX XXXX ) responded to my inquiry that they manage referenced account for XXXX XXXX XXXX. I do not know this company, I had no knowledge that this company existed because I never received the initial notice from this company, and I have not given ANY company written consent unless otherwise through inquiry for debt validation. The initial letter that I sent to XXXX XXXX XXXX was for debt validation and proof of claim. XXXX XXXX XXXX has not responded to my request or validation. In responding to the debt collection letter from XXXX XXXX XXXX XXXX, it is very confusing and frustrating because I have since learned that there are 3 other companies besides XXXX that has collected or tried to collect on this debt that XXXX fully knew was a discharged debt in bankruptcy because XXXX has been reporting this debt as " being discharged in bankruptcy '' on my XXXX credit report since XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. 

This debt is currently being claimed as a debt by multiple debt collectors as follows by comparing the debt collection notices that I have received : XXXX XXXX XXXX, XXXX. ( original creditor ) XXXX. XXXX XXXX XXXX ( reporting to credit reporting agency XXXX with status updated XX/XX/XXXX - month/year in which the bankruptcy was filed ) 2. XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX ( received 2 notices on XX/XX/XXXX ) I have XXXX XXXX mailed an Affidavit of Proof to XXXX XXXX XXXX and invoice of violations dated for XX/XX/XXXX. 

I have received 2 summons to appear for before XXXX XXXX on XXXX XXXX XXXX ; XXXX, XXXX XXXX on the XXXX day of XXXX, XXXX at XXXX A.M. in declaring that I owe {$620.00} plus {$81.00} in court costs. 
I have really been stressed out because now I have to miss work and attend a court proceeding in which I have contacted these debt collectors and in their responses back to me, not one debt collector stated that they were filing a lawsuit and that I need to respond to it. 

As a result of receiving the 2 summons, Summons # 1 was left on my doorstep for everyone or anyone who walked by my apartment that day ( defamation of character ). I have video showing where the person left it. There was no business card or anything, so I don't know who could've put it there. Summons # 2 was in my mail box on the day of XX/XX/XXXX. It was opened in my mailbox and appeared that the envelope was never sealed. And I am confused and frustrated because I am being contacted by a law firm ( XXXX XXXX XXXX XXXX ) that initially stated that they were a debt collector and now that same debt collector/law firm is representing XXXX XXXX XXXX XXXX XXXX court proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation