Consumer complaint received 2018-02-24
Company: Brock & Scott, PLLC
State: MD
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:
On XX/XX/XXXX I went to XXXX XXXX XXXX  to open a auto loan account so I could transfer my auto loan from my credit union to a local bank.The banker pressured me that I should open up a checking account, savings account, credit card account, and even apply for a mortgage because my credit score was solid. I told the banker more than once I didn't need a credit card or a mortgage but I was interested in a checking and savings. He continued to insist that I apply for a credit card over and over again. At this time I was unaware of the scams, fraud, and illegal actions XXXX XXXX had conducted on their customers. I agreed to the credit card. The credit card was also opened on this date. Within a year I fell on hard times and my credit card was closed. When the account was still opened I contacted XXXX XXXX several times trying to work out a payment arrangements. They were rude and unwilling to negotiate. What they wanted was a monthly payment that would have came close to 1,000 a month. I couldn't afford that as a single person, so the legal services department who I spoke with told me " wait and let it go to collections and they will work with you. 
Now, on XX/XX/XXXX, I receive a Writ of summons in the mail telling me I need to appear in court on XX/XX/XXXX for a money judgement for the credit card in the amount of {$6600.00}. I now question if this credit card was legitimate from the beginning for the following reasons. First, the papers within the court documents show the store copy of the credit card account with my signature. Yet, the only thing I electronically signed for was the checking and savings account or so I thought according to the banker. In the bottom corner it states an agreement would be mailed to the customer. I never received anything in the mail with my copy. Again, I never received any papers in the mail for the credit card with my signature on it. I can verify that I have a copy of paperwork with my signature on it for the checking and savings, however I have no copy in my possession with the credit card account number on it with my signature. In fact, I never even received a contract even though these papers appear in the court document ; that I allegedly breached my contract. How can I breach something that I never had in the first place? I have retained evidence of every single paper I was given from that date of XX/XX/XXXX even the exact paper that the credit card itself came on when it was sent in the mail. On XX/XX/XXXX I called legal services at XXXX eastern standard time. I have call records to prove it. The lady told me " I could make an initial payment with them and then make arrangements with the the debt collector to make recurring monthly payments, or I could also make the initial payment with them ''. Typically, when a debt collector collects a debt the debt is written off from the bank for a profit. Therefore, they are attempting to collect on a debt that they should no longer have anyway. This would be a scam if I would have freely made a payment with the legal services department. I question the legitimacy of this as well. Did Brock & Scott Firm really buy the debt? If they did XXXX XXXX is running a scam. I do not believe I owe XXXX XXXX any money because I do not believe the account was opened legally. I believe the only reason Brock & Scott Firm placed a complaint is because the statute of limitations to sue is coming to a close very soon. The credit card was closed XX/XX/XXXX. Now suddenly 3 years later they have decided to file a lawsuit? I will soon get rid of banking with XXXX XXXX entirely. They are the worst bank I have ever encountered.

Company response to consumer: Closed with explanation