Consumer complaint received 2021-02-20
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, My name is XXXX XXXX and I am reaching out to CFPB for assistance with stopping UNIFUND CCR PARTNERS from continuing to collect through it's partner XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX monies that are NOT OWED in the form of a Court Judgement from the State Court of XXXX County ( Judgement Case NO. XXXX ). I am including the AFFIDAVIT OF CONTINUING GARNISHMENT paperwork I was able to retrieve from the offices of XXXX XXXX XXXX XXXX only AFTER my wages were garnished XX/XX/XXXX in the amount of {$500.00}, again on XX/XX/XXXX in the amount of {$390.00} and yet again on XX/XX/XXXX in the amount of {$470.00} before I was able to make a payment arrangement with XXXX XXXX XXXX on behalf of it's client Unifund CCR partners to make monthly payments that wouldn't be so dehabilitating to me and my family. Apparently, at some point UNIFUND had been garnishing a teeny residual payment fund that I only collected every 3 months or so from a one line role I had on a show called " XXXX XXXX XXXX '' sometime in the XXXX XXXX. These checks were sparatic and ranged from {$.00} - MAYBE {$15.00}. I have NO idea which address they could have even used to MAKE SURE I NEVER saw a summon or had the opportunity to answer. The paperwork finally given to me was under the name XXXX XXXX ( my maiden name ) I only had one credit card at the age of XXXX which my Grandfather sent to me when my last name was XXXX. He worked most of his life and retired from XXXX XXXX. It was a XXXX Mastercard which he paid off and closed before his passing. I was married in XX/XX/XXXX and my last name has been XXXX ever since!!! I have never had a XXXX XX/XX/XXXX Visa card. This is obviously a FRADULENT CLAIM and I feel extremely violated and targeted by UNIFUND 's ability to retreieve my personal infomation after 22 YEARS ( the last time my last name was Branch ) which must have been passed from one non-credible " law firm '' to the next before finally landing with UNIFUND, go to Court WITHOUT MY KNOWLEDGE, WIN a Judgement and then invade my privacy at my place of employment and STEAL the wadges that I worked SOOOOO hard for!!! As UNIFUND nor any " Law Firm '' ever sought to report this alleged deliquent account to any Credible Credit Bearu, they have NEVER come up on any of my credit reports for me to investigate and dispute. I did not know what to do as they had a Court order which I did not believe I could fight and so ... I paid them. I will not be their victim any more. My husband and I are hard working, honest people trying to purchase a home and continue to provide for our children. It is XXXX the legnths that people will go to defraud innocent people. I inquired SEVERAL times for XXXX XXXX XXXX to give me the information of the original creditor making these claims. The only information they could offer was XXXX XX/XX/XXXX. Of course they had no information as it had been 20+ years not to mention, the account NEVER existed in the first place. Aside from the {$1300.00} garnished from my wages, I have made an additional {$2700.00} in monthly payments to XXXX XXXX XXXX. UNIFUND is COMPLETELY wrong for extorting this now {$4000.00} alleged debt from me that I NEVER made and I want every cent of my money BACK!!!! I wish I knew how to begin to fight back sooner. Better late than never.

Company response to consumer: Closed with explanation