Consumer complaint received 2019-11-05
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Rausch and Sturm continues to threaten me continuously, unclear sent letters and lawsuits threats without including the name of the credit card but just XXXX, keep in mind XXXX holds numerous credit card accounts. They have taken advantage of me, continues to threaten me by 3 law suits claiming its from XXXX  only, having a constable come to my home to place notes & filed lawsuits taped in front of my door when they NEVER provided proof of the debt as I sent over a letter attached to Rausch to prove the debts as I did not know my rights at the time I was served/threatened. Rausch refused to provide proof of the debts and the amounts. I had several accounts with XXXX   and informed Rausch I lost my job and going through a hardship as they informed me that I had by law to pay the min of XXXX to XXXX and asked for my for my checking act routing no, act no and credit card no and asked where I was working as I also recorded the conversations. On XX/XX/XXXX another document see attached XXXX ; serving papers taped on my front door. It states XXXX-Im thinking what credit card is this as it s not indicated on order. Signed by a judge notice of law suit for {$1100.00} in damages etc, citation states XX/XX/XXXX opened act but no proof or copy of the agreement, no valid copies, or pay history, no bonding comp giving them the right to collect in the State of TX, or copies of the agreement. eventhough I sent a letter requesting this info. Due to the suit and threats I agreed to pay Rausch after talking to their Attorney on XX/XX/XXXX her name was XXXX XXXX as she stated she was cllecting this debt, recorded conversation, 1st she said she couldnt accept anything under XXXX as we agreed to XXXX a mon How do I know this amount is correctand Rausch had the right to collect and sue me? I asked whos the creditor she said XXXX, I said theres no indication in your law suit papers its XXXX. When Im being sued, do I not have a right to know whom Im paying? i come to research and found I already agreed making pmts to Rausch for this XXXX act, I made 2 pmts XXXX XXXX and XX/XX/XXXX, XXXX I sent debt validation letter to Rausch for proof of debt and never received proof. I asked XXXX how was I supposed to know who the debtor was? She said I could have called XXXX- i said I did and they informed me they no longer hold this act and was sold to collections law firm. Do I not have any rights and just obey Rausch for any amount and any credit card from XXXX? So Rausch tried to collect Twice for this XXXX suit and did not credit me the 2, XXXX payments on the balance as the balance in the law suit is incorrect. This law suit has too many errors and very threatening and misleading. I dont care if its a dollar, the amt is incorrect. Rausch refused and failed to provide me with this info but Iwas sued, my rights violated, no verification of this debt, companys name is missing, amount incorrect and I am required to obey and be sued? Its also reported on my credit report Chargeoff. This action must be stopped due to this law firms incorrect info. After we discussed she XXXX said I have another suit coming. I said from who, she said the same creditor, XXXX XXXX, I said that act. is with another collection agency called XXXX, I read the info to her, including the dates, amounts and pmts made thru my act, she said send it to her via email and we will have to pend the act for 2 weeks for research. I sent via email proof XXXX  to XXXX next day-see attached. I made pmts to XXXX  as Rausch proceed to sue me eventhought they received proff I paid thru collection agency. see attached, I received XX/XX/XXXX a yellow notice a constable came by and contact them-see law suit as I recei ved today XXXX from the XXXX county Constables office of law suit with XXXX., again not credits name, Amount is incorrect, I made pmts to XXXX  and now Rausch is also collecting the debt knowing I paid XXXX, again rights violated, no proof of the validaity of the debt and Im supposed to obey and be sued? I obeyed XXXX   and they reneged, I had auto pays thru XXXX and mon pmts stopped as I did what I was supposed to do, they stopped pulling pmts and now Im being sued, this action must be stopped. Wheres proof Rausch had to the right to collect this debt as my rights have been violated by Rausch, Rausch should have provided proof before collecting both XXXX and XXXX. They also called me few days ago, I called back and spoke with XXXX as she said shes collecting a debt for XXXX XXXX XXXX, as I never gave Rausch the right to call, she claimed I never paid, I said thats a lie, I said I have been paying monthly and she lied to say I made one pmt in XXXX, Rausch is committing scams and trying to collect the same debt twice to make extra money off of me as I will assume they think Im crazy and will agree obey to any and everything. They have no right to receive multiple pmts and aware of the situation, cant get the amts correct and did not disclose company name.My rights have been violated. Their communication are all threats and misleading, amts are incorrect. How many mistakes are they allowed while filing suits against me and reported to the credit bureau of chargeoffs. They improperly collected 3 debts and lawsuits, XXXX, XXXX and XXXX thru XXXX. Their indication of a crime and they are incorrect in the amounts and not proved the validity of the debts. Their communication tactics are unfair and clearly violated my rights. They were totally aware a collection agency took auto pays thru XXXX  and continued to proceed with the law suit to collect. Unfair as they refused to provide validity of all 3 debts per USC 1692g Sec 809b Fair Debt Collection practices Act-disputed

Company response to consumer: Closed with explanation