Consumer complaint received 2023-06-16
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a call from Security Service federal Credit Union. The representative told me that I was late on my line of credit payment. The person stated that it was past due by I believe 27 days. I told them I do not have a line of credit with them. I only have 2 car loans and those were up to date. I was then told that I had previously signed onto a checking account with my son XXXX XXXX and that he had taken a line of credit and because I had signed onto that account it automatically put my name on the line of credit and I was responsible for it. I explained that in no way shape form or fashion did I even agree to or sign for a loan or letter of credit and it was not my responsibility. We had a very lengthy heated discussion and I was transferred around several times until I ended up with another gentleman who then put me on hold for 30 minutes. I finally disconnected. I then went and checked my credit and it had now dropped XXXX points. I did not see any reporting but I contacted someone I know in the banking industry and they advised that Security Service likely did what is called a soft pull. On XX/XX/XXXX the harassments then continued on XX/XX/2023. At XXXX ; XXXX XXXX  I received another call from a collections person again advising I was late on my payment and I needed to make a payment. I again explained I do not owe this. I am not on the note and I have nothing to do with any loan or default that XXXX XXXX may or may not have. I demanded documentation to show that I had signed or this and that I was in any way financially responsible for this. I was only told that they would pull the documents. In the meantime I got ahold of my son. I had a lengthy discussion with him and he said that 1 ) I was not responsible for this 2 ) he had called Security service and told them it was all his responsibility and he said that he told Security service to only contact him, He also requested the paperwork. Then I XX/XX/XXXX I received another call from the collections department. I again told them that this was not my responsibility. I explained that I never signed onto any loan. If there was my signature on the loan then it was a forgery and I would file a police report. This was another very lengthy call. On XXXX the XXXX XXXX  I received another call from the collections department but I was unable to answer it. XXXX the XXXX was a Friday. On Saturday I met with my son and he provided me the paperwork. This paperwork clearly shows that he and he alone signed for a XXXX loan. It has his social, his name and his signature. He is the borrower listed and nowhere is there a co borrower nor my name anywhere on this paperwork. On XX/XX/2023 I received yet another call from the collections department. I firmly told this individual that I wanted the call preserved for evidence purposes. That altering or destroying the call would be viewed as destruction of evidence and I explained that a complaint has been filed with the Attorney General of Texas. I explained that I have the paperwork and my name is nowhere on it. I explained that while it may have been possible that I signed onto a checking account as a cosigner I never ever signed onto the loan of XXXX. I told him that he has broken all sorts of laws and provided me information on a debt I do not owe but someone else does. After about a 15 min call we disconnected. On XX/XX/XXXX I received a call from XXXX at the Security Service headquarters. He called and apologized. He said they were wrong. I do not owe the debt. he said they had made an error. He agreed that the debt was not mine. I explained that I was upset. I had been harassed and disparaged for a matter that is not my responsibility. I told him about the credit issue. I let him know they had made all sorts of mistakes. 

So It has taken over 5 phone calls. My credit is down XXXX points and I have lost time at work. I have lost sleep due to the stress and Security Service says oops I am sorry. I am lucky that I have contacts in the banking world that know the rules and were able to guide me to ask for the right information. How many other people does this crooked organization take advantage of with their harassment nd prehistory phone calls trying to claim people owe debts when they do not. This needs to stop. I still do not know if this is going to show up on my credit report in 30 days. I need help and I am asking the CFPB to investigate and take all action they can against this organization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation