Consumer complaint received 2020-12-02
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently in litigations with a debt collection company named Velo Law. I have requested validation of alleged debt via certified mail on 3 occasions and the company has failed to respond to request. In court, I requested proof of debt and during the discovery process the company sent me a loan application and two statements both reflecting different amounts from what is claimed owed within the suit. I requested a contract and proof that I owe the alleged debt, none of the requested information has been provided to date. According to the FDCPA, misrepresentation of amount owed is also illegal. Velo Law is suing me for a debt with false representation of amounts owed and no proof that I owe the debt. I have contacted the credit union the alleged debt is claimed to be from and they have no knowledge of Velo Law or the information within the alleged suit. 

Attached is the letter with the 2nd request for proof of debt being sought that Velo Law has not responded to dated XX/XX/2020. Personal information has been omitted : DATE : XX/XX/2020 2ND REQUEST FOR DEBT VALIDATION Velo Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : Be advised this a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for Velo Law Office in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards XXXX XXXX cc Federal Trade Commission

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