Consumer complaint received 2023-05-30
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Complaint Against Tidewater Credit Services for Alleged Fraudulent Debt Collection Practices against low income senior citizens like myself and my XXXX Senior Citizen Husband Dear Sir/Madam, I write to you as a concerned citizen seeking assistance and justice regarding the relentless harassment my XXXX senior citizen husband and I have endured at the hands of Tidewater Credit Services . 

As a senior citizen and a low-income individual, I find myself in a vulnerable position, being falsely accused of a debt that I do not owe. 
Allow me to provide the details of my complaint : Personal Information : My Name : XXXX XXXX Gender : Female Senior Citizen/low income Husband : XXXX Senior Citizen/low income Harassment and Fraudulent Debt Collection : Tidewater Credit Services has continuously harassed and threatened me with false claims regarding a debt that they allege I owe. 

Specifically, Tidewater Credit Services accuses me of purchasing the following items on XX/XX/2016 / Original Account # XXXX : One dishwasher One XXXX dryer One XXXX washer They claim the total amount of the debt is {$3900.00} in principal, {$70.00} in late fees, and {$420.00} in additional charges/ Original Account # XXXX I have repeatedly informed Tidewater Credit Services that I have never purchased any of the aforementioned items, and therefore, I am not responsible for the alleged debt. 

Lack of Proof and Ignored Requests : Despite my clear denial and requests for debt validation, Tidewater Credit Services has failed to provide any supporting documentation to prove that I owe the mentioned debt. 
I have asked them on multiple occasions to provide any form of proof that the debt belongs to me, but my requests have been consistently ignored. 
Their refusal to provide any evidence raises serious concerns about their integrity and adherence to proper debt collection practices. 

Vulnerability and Praying on Senior Citizens : As a senior citizen and a low-income individual, I feel particularly targeted and exploited by Tidewater Credit Services .

Tidewater Credit has made unwarranted threats of garnishment and freezing of my bank account, causing Me and my XXXX senior citizen husband XXXX XXXX and XXXX 
It is my personal belief base on my personal experience, that Tidewater Credit Services is preying on low income senior citizens like myself and my XXXX husband, attempting to collect on a debt that does not exist Request for Thorough Investigation, Resolution and Accountability I humbly request the Consumer Financial Protection Bureau to thoroughly investigate my case and the practices of Tidewater Credit Services. 
I urge the Bureau to hold Tidewater Credit Services accountable for this alleged fraudulent debt collection practices, especially targeting low income senior citizens. 
Given the existence of two class-action lawsuits against Tidewater Credit Services , also known as Tidewater Financial , and over 215 public complaints outlining similar issues of attempting to collect on false or nonexistent debt, it is evident that my husband and I are not the only victims. 

ALL I am asking is Proof that I signed for this debt and Received this debt. 
Because there is an absolute absence of any substantiating evidence that confirms my liability for this debt, other than the unsubstantiated and unproven claims made by Tidewater Credit Services. 
I sincerely implore your assistance in rectifying this unjust situation. The actions of Tidewater Credit Services have caused significant distress and hardship for my XXXX husband and me. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers and ensuring fair practices within the financial industry. 

Please let me know if any additional information or documentation is required to proceed with this investigation. 

Thank you for your attention to this matter. I eagerly await a resolution that will bring an end to this emotional and financial draining harassment holding Tidewater Credit services /AKA Tidewater Financial accountable upon concluding the investigation Sincerely

Company response to consumer: Closed with explanation