Consumer complaint received 2018-01-31
Company: Erin Capital Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CHRONOLOGY OF EVENTS REGARDING ERIN CAPITAL MANAGEMENT 1. In XX/XX/XXXX I returned to the United States after living in XXXX for approximately 3 years. To the best of my knowledge and belief, all my Credit Card balances had been paid prior to my departure to XXXX in XX/XX/XXXX. 
2. During ( month ) XX/XX/XXXX I purchased a XXXX XXXX and financed the vehicle through XXXX XXXX. 
3. During ( month ) XX/XX/XXXX, my storage unit in XXXX, CA was ransacked and burglarized. A report was filed with the XXXX Police Dept. and is on record there. I now believe that I am a victim of identity theft as a result of this. 
4. During XX/XX/XXXX Erin Capital management ( ECM ), a collection agency of which I had never heard, contacted me by phone alleging that I had an outstanding debt of approximately {$9000.00}. All subsequent communication that took place with them was over the telephone. 
5. When I asked the Erin Capital Management 's telephone representative to provide me with copy of the charges to examine, they completely refused and instead stated that if I requested a copy of the charges they would have to initiate a lawsuit. I believe this to be in violation of my rights under state and federal law. 
6. When my partner XXXX spoke to ECM 's representative, a woman named XXXX then harassed her for insisting that they provide proof - details of purchases comprising the alleged debt - my partner was told that a lawsuit would follow. The only written document we ever received from ECM prior to notice of the XX/XX/XXXX subpoena was a very rough draft ink impression of a computer printout on cheap paper ( not even stationery ) that was very difficult to read. It honestly did not even look like it was coming from a lawyer 's office, but rather was a mass-produced letter. 
7. My attempts to seek counsel have been hampered by the fact that I am currently unemployed and therefore living on an extremely restricted budget. On the occasion that I was able to speak to an attorney through the lawyer referral service in XXXX XXXX County, the attorney requested {$1300.00} to file all " required motions '', but I was not able to afford his fee. Therefore, ECM has somehow been able to get a Default Judgment against me. The default motion has now brought the charges up to {$14000.00}. 
8. My partner and I have repeatedly requested proof of the charges, but have been denied in every instance. I therefore have been unable to examine these so-called credit card charges allegedly attributed to me.

9. The subpoena filed demands that I provide a copy of my cars ' financial purchase agreement with XXXX. I fail to see how this relates to an alleged credit card debt, and am concerned that they wish to place a lien on my car. Can they do this or even worse take my car? Can I sell my car prior to them taking the vehicle? 
10. I may file a formal complaint with the California Attorney General for ECM 's harassment.

11. Today XX/XX/XXXX, ECM is garnishing my wages and levied my bank account for {$7000.00}. 
12. I just checked my Credit Report and notice that there was NO public filling related to the legal actions that ECM has filed in California.

13. I came to find out that ECM has been doing this Nationally to other people. See Below : 1, Report # XXXX XX/XX/XXXX XXXX XXXX  Erin Capital Management No notice wage garnishment. I don't know who they are. They say I owe Over {$7000.00} + additional {$6.00}, ooo in interest XXXX XXXX XXXX Unusual Rip-Off : Erin Capital Management Author : XXXX, XXXX XXXX XXXX XXXX, Report # XXXX XX/XX/XXXX XXXX XXXX  Erin Capital Management , LLC XXXX XXXX , XXXX XXXX Suing for {$700.00} plus interest {$7100.00} total {$14000.00} XXXX XXXX   New York Unusual Rip-Off : Erin Capital Management , LLC Author : XXXX XXXX, California XXXX XXXX, New York 3, Report # XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Erin Capital Management ripoff phone harrassment of innocent people, screaming, belligerent, insulting and abusive HUGE LIARS!!! NEXT CARD SCAM XXXX XXXX New York Corrupt Companies : XXXX XXXX XXXX XXXX Author : XXXX, Illinois XXXX XXXX, New York 4, Report # XXXX XX/XX/XXXX XXXX XXXX Erin Capital Management XXXX XXXX XXXX XXXX apparent bad faith evasion of notice requirements in suing on alleged assignment of purchased credit card debt XXXX XXXX California Collection Agency 's : Erin Capital Management LLC & XXXX, XXXX XXXX   XXXX Author : XXXX, California XXXX XXXX, California 5, Report # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXERIN CAPITAL MANAGEMENTXXXX XXXX XXXX XXXX XXXX XXXX i WAS CONTACT BY XXXX XXXX BY PHONE AND MAIL THA I HAVE TO PAY MY XXXX XXXX ACCOUNT. THAT ERIN CAPITAL MANAGEMENT SENT THE ACCOUNT TO HIS LAW OFFICE TO COLLECT THE MONEY. WE THEN SET UP PAYMENT PLANS.I FINISHED MY PAYMENTS. NEVER GOT A LETTER FROM HIM STATING IT WAS FINISHED. XXXX XXXX, New York Collection Agency 's : XXXX XXXX XXXX XXXX XXXX XXXX Author : XXXX , Pennsylvania XXXX XXXX ,, New York 6, Report # XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX - ERIN CAPITAL MANAGEMENT LLC COURT JUDGEMENT FOR WAGE GARNISHMENT XXXX XXXX California Court Judges : XXXX, XXXX XXXX XXXX XXXX - ERIN CAPITAL MANAGEMENT LLC Author : XXXX , California XXXX XXXX , California 7, Report # XXXX XX/XX/XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX , XXXX XXXX XXXX , Erin Capital Fraudulant Bank Account XXXX , Judgement and Credit Bureau Reporting . XXXX XXXX New York Attorney Generals : XXXX, XXXX XXXX XXXX, XXXX XXXX Author : XXXX, New York XXXX XXXX, New York 8, Report # XXXX XX/XX/XXXX XXXX XXXX   XXXX, XXXX And XXXX With ERIN CAPITAL MANAGEMENT OF XXXX XXXX, NY AND XXXX XXXX, CA XXXX, XXXX XXXX XXXX with ERIN CAPITAL MANAGEMENT Files lawsuits against consumers on old charged-off credit cards to obtain default judgments at your previous address listed on your credit report. XXXX XXXX New York Credit & Debt Services :  XXXX, XXXX XXXX XXXX With ERIN Capital Management Author : XXXX XXXX, California XXXX XXXX, New York 9, Report # XXXX XX/XX/XXXX XXXX XXXX  Erin Capital Management Llc - Unfair Collection Practices! Changing file no. and lack of validation XXXX XXXX New York Collection Agency 's : Erin Capital Management Llc Author : XXXX, Florida XXXX XXXX, New York 10, Report # XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX - Erin Capital Management collection agency threatened to garnish wages over debt that was already satisfied. XXXX XXXX New York Collection Agency 's : XXXX, XXXX XXXX XXXX Author : XXXX, New York XXXX XXXX, New York 11, Report # XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Erin Capital Management Debit Collectors Same Location they froze my bank account, i started paying them back and account is still frozen since XX/XX/XXXX ripoff XXXX XXXX New York Credit & Debt Services : XXXX, XXXX XXXX Author : XXXX Ny, XXXX XXXX New York, New York 12, Report # XXXX XX/XX/XXXX XXXX XXXX Erin Capital Management - XXXX XXXX XXXX XXXX XXXX XXXX judgment 5 years agoRestrained Bank Account on 11 year old debt SCAM Ripoff XXXX XXXX   New York Collection Agency 's : Erin Capital Management - XXXX XXXX XXXX XXXX Author : XXXX, Maryland XXXX XXXX, New York 13, Report # XXXX XX/XX/XXXX XXXX XXXX Erin Capital Management Won't validate debt, keeps harrassing me! XXXX XXXX New York Collection Agency 's : Erin Capital Management Author : XXXX, New York XXXX XXXX, New York 14, Report # XXXX XX/XX/XXXX XXXX XXXX Erin Capital Management - XXXX XXXX XXXX suing me for a debt that isn't mine ripoff XXXX XXXX XXXX New York Collection Agency 's : Erin Capital Management - XXXX XXXX XXXX Author : XXXX, New York XXXX XXXX, New York 15,  Report # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Erin Capital Management - XXXX XXXX XXXX XXXX RIPOFF, Fraudulent Charges, Frozen Bank Accounts,  Harrassment ripoff XXXX XXXX, New York Corrupt Companies : XXXX XXXX XXXX XXXX - XXXX XXXX - Erin Capital Management Author : XXXX, California XXXX XXXX, New York 16, Report # XXXX XX/XX/XXXX XXXX XXXX  Erin Capital Management ripoff - they tried to sue me but backed off XXXX XXXX New York Corrupt Companies : Erin Capital Management Author : XXXX XXXX, Massachusetts XXXX XXXX XXXX, New York Approximately 16 Reports Found Showing 1-25 | Showing Page 1 of 1

Company response to consumer: Untimely response