Consumer complaint received 2021-11-08
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Detailed Statement of Claim I, XXXX XXXX, consumer and natural person of the United States of America have no obligation to Foursight Capital ; debt collector, servicer and assignee for XXXX XXXX. 
Foursight Capital is a debt collector as defined by 15 USC 1692a as it collector attempts to collect directly, debts asserted to be owed or due another. They might also be found as debt collector under the definition that XXXX XXXX uses Foursight Capital as a name other than his own ( XXXX XXXX XXXX ) which would indicate that a third person ( Foursight Capital ) is collecting or attempting to collect such debts. 
Foursight Capital is consumer reporting agency according to 15 U.S. Code 1681a because it, for monetary fees, regularly engages in whole the practice of assembling consumer credit information on consumer for the purpose of furnishing consumer reports to third parties and uses any means to for the purpose of preparing or furnishing consumer reports. 
The defendant, used abusive and harassing practices to collect an alleged debt to which according to 18 U.S. Code 8, is the responsibility of the United States. XXXX XXXX is not contractually liable to Foursight Capital in any way. 
Foursight Capital violated the laws of the Fair Debt Collection Practices Act by : 15 U.S. Code 1692d 1 ) Causing the telephone of consumer, XXXX XXXX, to ring after a Cease and Desist letter was mailed to them 2 ) Publication of false details of my personal character to consumer reporting agencies on a list and filing a lawsuit against me in XXXX XXXX XXXX XXXX XXXX Georgia because I refuse to pay an alleged debt 3 ) Advertising the sale of the debt owed by the United States to coerce the consumer to pay the alleged debt 4 ) Use of language the natural consequence of which is to abuse the hearer or reader via the threatening letters, incessant phone calls, negative reporting to consumer reporting agencies and repeated emails 15 U.S. Code 1691e 1 ) Foursight Capitals threats to reposses my XXXX XXXX XXXX can not be taken in such, such it uses deceptive means to attempt to collect a debt pursuant to 1692e. 
2 ) The failure to disclose that the Account Summarys mailed to my location by Foursight Capital and their telephone calls were attempts to collect a debt are violations of this law 15 U.S. Code 1681b -I never provided Foursight Capital with the with written instructions to furnish a consumer report. The Note and Security Agreement the consumer issued to XXXX XXXX, and submitted by Foursight Capital after request for debt validation does not constitute such written instruction. 

15 U.S. Code 1681e -Foursight Capital failed to maintain reasonable procedures designed to avoid violations of section 1681c of title 15. It also failed to make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. 

15 U.S. Code 1681h 1681h Foursight Capital failed to require to furnish proper identification notwithstanding, it never received written instruction to furnish a consumer report about me.

15 U.S. Code 1635 and 1641 Should Foursight Capital attempt to ignore the foregoing, the consumer hereby exercises her right to rescind the consumer credit transaction between herself and the credit, XXXX XXXX XXXX. 

15 U.S. Code 1644 According to 15 U.S. Code 1644, by reporting to third party consumer credit bureaus, Foursight Capital engaged in fraudulent use of my credit card ( social security card ) which constitutes identity theft pursuant to 12 U.S. Code 1431.

Foursight Capital violated the Crimes and Criminal Procedure by the following : 18 U.S. Code 1341 Pursuant to 18 UXXXX Code 1341, Foursight Capital devised a scheme for obtaining money by means of fraudulent pretenses, placed in a post office or authorized depository for mail matter any matter or thing whatever to be delivered by the Postal Service by sending me account summaries, monthly statements, misleading me into remitting monthly payments to them. Foursight Capital is to be fines for such a crime.

Foursight Capital Harassing and Threatening Communications Violations of 15 USC 1692e, 16692f & 1692c I mailed Foursight Capital a Cease and Desist letter via USPS on XX/XX/XXXX, delivered on XX/XX/XXXX however, Foursight Capital continued to contact me via email, mail, and phone. 
Emails- electronic mail message to my electronic mail address ( XXXX ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Calls to ( XXXX ) XXXX : XX/XX/XXXX XXXX pm XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Mail through XXXX sent to XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Certified letter XXXX in envelope with logo XX/XX/XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX Account Summary mailed on XX/XX/XXXX Account summary mailed on XX/XX/XXXX Certified letter mailed in envelope with logo XX/XX/XXXX USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX Threatening letter and demand for payment mailed on XX/XX/XXXX Threatening letter and demand for payment mailed on XX/XX/XXXX Account summary mailed XX/XX/XXXX Account summary mailed XX/XX/XXXX 2021

Company response to consumer: Closed with explanation