Consumer complaint received 2019-03-25
Company: SIMM Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX. I received a call from XXXX on this morning. She is employed at XXXX XXXX XXXX. She contacted me in reference to a debt in my husbands name, XXXX XXXX XXXX XXXX XXXX XXXX Called me on my cellphone number which is XXXX. I am curious to why she called my number instead of my husbands cellphone number. 
I was told by XXXX that my cellphone number is also associated with the loan. I contacted XXXX after receiving a debt collections letter in the mail. I explained to XXXX that XXXX and I had married and divorced on XX/XX/XXXX. XXXX and I were married on XX/XX/XXXX and we divorced later that year in XX/XX/XXXX. XXXX and I remarried on XX/XX/XXXX. XXXX and I lived apart until XX/XX/XXXX. I resided at XXXX XXXX XXXX and XXXX resided at XXXX XXXX XXXX XXXX. There were other people in and out of his home at XXXX XXXX XXXX XXXX. 
I moved in with XXXX on XX/XX/XXXX and we were remarried on XX/XX/XXXX. 
I am curious to why my cellphone number is associated with this alleged credit card account. I am always curious to why XXXX called me on this morning versus calling my husband at his cellphone number which is XXXX. 
After XXXX and I divorced in XX/XX/XXXX, I kept my married name XXXX. XXXX and I married and divorced the same year, XX/XX/XXXX. We applied for another marriage license the same year and were remarried 4 years later. I am in no way associated with this account yet the Collections Agency contacted me in reference to the account. I do not want this account to be charged against me in any way. My husband has been a victim of identity theft in the past and he alleges this is not his account. 
At the time the credit card was acquired, I was unemployed. 
XXXX and I have requested, information from XXXX credit in reference to the account. I am afraid that my name is associated with the account and it could potentially show up on my credit report. I am requesting that my name is completely removed from the account and I am requesting that XXXX XXXX XXXX never contact me again. The account has been sent to the fraud department. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Creditor : Simms Associates XXXX. XXXX XXXX XXXX DE XXXX Current Creditor : XXXX Balance : {$4300.00} Account : # Ending in XXXX Charged off : XX/XX/XXXX Origination Date : XX/XX/XXXX Charge Off Amount : {$4300.00} Total Interest Since C/O : {$0.00} Total Non-Interest/Fees Since C/O : {$0.00} Total Payments Post C/O : {$0.00} The Collections Agency will not tell me how they acquired my cellphone number. I am requesting to be held harmless and totally removed from this collection debt and I am requesting that XXXX XXXX never contact me again. My husband has requested the loan application with signature and all charges that were made on said credit card to be mailed to our home address. A friend of XXXX and her sons were living in and out of his home in XX/XX/XXXX. The Lady has a home in XXXX XXXX and she runs a transitional safe house in XXXX XXXX. My husband denies having applied for a credit card with XXXX XXXX and we are anticipating a court case.

Company response to consumer: Closed with explanation