Consumer complaint received 2021-04-29
Company: Ballybunion Enterprises, Inc
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/XXXX I was left a voicemail by an unknown/private number. The caller identified himself as XXXX XXXX, and said that he was contacting me in regards to an incident that took place while I was in the Military  ( XXXX ) and that it was of great importance that I contacted him immediately to avoid further noncompliance. In the two hours it took me to realize I had missed a call, my brother, mother, father, and ex-wife of nearly ten years ago were all also contacted by XXXX XXXX, interrogated of my whereabouts, and informed to pass along his information regarding a legal matter dating back to an incident that took place while he was in the XXXX. After a frenzy of panic from my family, I attempted to return a call to XXXX XXXX at XXXX. A man answered the phone for Military Credit Services - I identified myself, and asked for XXXX XXXX. His response was let me place you on hold and get you over to him. After a brief hold, the same man returned to the phone and said oh, I mean, this is XXXX XXXX. After a very confusing and brief conversation, I was told that the paralegal will be contacting you as soon as he can and he can give you much more information about your file. 

Days went by with no contact. 

On XX/XX/XXXX I was contacted via telephone by an unknown/private number. The man on the other end identified himself as representing Military Credit Services , LLC. It was again, XXXX XXXX. He said the paralegal was available to speak with me now, and he placed me on hold. Once the paralegal ( unfortunately I did not catch his name ) joined the call, I was immediately pressed and intimidated while he listed personal information about my life, my bank accounts, my employers. He told me that originally I had taken out a line of credit from Freedom Furniture in Louisiana, in XXXX. That line of credit went into default when I separated early from the XXXX and the allotments stopped paying the bill on that line of credit. It was then pushed into collections, and a judgement was granted in XXXX, Virginia in XXXX. ( I have never lived in Virginia, nor have I been to the state of Virginia. At the time this judgement was granted in Virginia, I was living in XXXX, Arizona. ) I was never made aware of this hearing or any judgement made against me, although the paralegal from Military Credit Services insists I was served prior to the hearing. For the original {$2300.00} line of credit, Military Credit Services was given a 20 year judgement with such a high interest rate that apparently I am now in default of over {$7000.00} to this company. 

XXXX XXXX XXXX, XXXX also added a new collection line to my XXXX  credit report that is listed as being Opened XX/XX/XXXX when I have not done any business with Military Credit Services since XXXX. I have previously disputed collection lines on my credit report from Military Credit Services and had them removed or closed, and now they are returning to my credit report under the guise of a different LLC operating as their Internal Collection Agency. 

After speaking with them today they are now threatening to levy the only bank account that has my name attached to it, which is a co-owned and operated business account. They have no legal right to harass myself or my extended family, and they have no right to collect on a stale that has already surpassed its statue of limitations for collection. 

On top of all this, with just one simple XXXX search of Military Credit Services , LLC you will find numerous articles that have been published citing their lawsuit with the CFPA in which they were found to be practicing unfair, illegal, and questionable collection practices. Part of these unfair and questionable practices were placing judgements against out of state customers who have never done business in the state of Virginia and did not originally take the line of credit out in the state of Virginia. Not only that but they have also been barred from using Virginia courts to sue out of state customers entirely. 

But, on XX/XX/XXXX I was made aware that I was sued in Virginia in XXXX by Military Credit Services LLC and a judgement was placed against me that will date for 20 years with an interest rate of over 20 %.

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