Consumer complaint received 2021-08-13
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I was sent a packaged back in XXXX from an associate/lawyer from DNF Associates LLC back in XXXX. I sent them a letter letting them know that I responded to the credit bureau about DNF AssociateXXXX truing to collect {$14000.00} in fees from an account that was sold to them from XXXX  XXXX. They want me to settle in court in the city that I live in. I am in XXXX, CA truing to help my daughter with her second set of XXXX, plus her husband is having rXXXX XXXX XXXX XXXX XXXX. My ex-husband called me to let me know I was summoned to appeal in court to settle the debt. The handwritten envelope, he sent me some of the package document. I can not affords to pau and old debt that was sold to them. They are the fourth company that are trying to get the remaining {$14000.00} plus court fees from a debt that on my credit report was reported as a settle with ... I contacted the credit bureau, not once but three times about LLCs companies trying to extort the remaining balance of a loan I had and they bought for way less or bargained for. I am not in any position to be paying off an old debt that they bought and trying to settled for what the original loan was for. It was deceptive of them to try and collect money in a crisis time that we are living in. I am a divorced mom and my son and I are making it from pau check to pau check. I am trying to get my credit score builds back up. 

As of today, I am at a XXXX and hope to build it to a XXXX by the end of XXXX. Why now? Why are they asking me to appear in a Superior Court in the city that I live in. I am an instructional aide and I can not just take off to work out or make a deal from a old loan that was passed down from four different collection agencies. The last LLC, I had to assist the help of the CFPB because XXXX and XXXX were swindling me and I could not take it. I was threaten with my credit score being affected and wages being garnished. But, this time the DNF Associates is not including the amount I owe, but they want me to appear in court to negotiate a settlement. What can I pay them? I get paid once a month and it is my son and I. I am trying to do the best I can to survive and I do not need any other headaches and stressors that are going to make my XXXX and XXXX XXXX flare up. Again, why are DNF Associates coming after me now? These 15-28 pages of trying to retrieve a debt that was sold four times and it did not cost them {$14000.00} or {$16000.00} to purchase the debt. I need to help on where I stand and why are they coming after me during the Corona Virus Pandemic XXXX? I am broke! I am a XXXX XXXX, not a XXXX  or a XXXX XXXX. My monthly paycheck is at the end of the month. After my monthly expenditures and my sons contribution, my check is gone. I ride the public bus from point A to point B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

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