Consumer complaint received 2019-04-05
Company: Risecredit, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mail correspondence stating that i have been " approved '' for the total amount of {$2500.00} credit line from RISE CREDIT, the approval came with a verification number. 
When i entered the information online with the approval number, i was congratulated for the approval amount of {$2500.00}, and the last step was to enter my personal Checking account number and Routing number in which i did. I waited 3 to 4 days to see the money in my account, after i was promised that the money would be in my account the next day after registering my approval. So on the 4th day i called the RISE CREDIT COMPANY and the REPRESENTATIVE on the phone had told me " '' o no Ms XXXX you actually did not get approved for the amount, we are sorry is there anything else i can help you with? " ". Had let the representative know that i received a confirmation code for the approved amount of {$2500.00} credit line and when i registered my information the RISE CREDIT SITE had CONGRATULATED ME for the {$2500.00} approval, and i have yet to receive the money, so how would it be that you are telling me i did not get approved?. 
The RISE CREDIT REP had stated " I am really sorry but i don't know why or how you saw that congratulations for the credit approval, because i do not see that, i see that your application has been denied, so you will not be receiving the {$2500.00} ''. I told the RISE CREDIT REP, " okay thank you for your time, that was so not okay on the RISE CREDIT company to give me an approval then tell me I'm not approved ''. That was the end of the conversation. Since the time of me reregistering my approval and speaking with the RISE CREDIT REP, i started to get charged for twice a month for 4 months and one of the 4 months is was charged 3 times. I did not realize what was happening when i saw the amount of {$230.00} taken out of my checking account, because i had been mistaking it for XXXX XXXX ( first credit line i opened in XX/XX/XXXX ) I confirmed that it was not XXXX XXXX line who was collecting the amount of {$230.00}, that it was actually RISE CREDIT collecting {$230.00}, as if i was paying back the {$2500.00} RISE CREDIT COMPANY for Lending me the money, the only thing is RISE CREDIT NEVER GAVE ME THE {$2500.00} credit. I went to my bank ( XXXX ) sat with the XXXX rep and asked for my BANK STATEMENTS dating back to XX/XX/XXXX to CURRENT ( XX/XX/XXXX ). In my bank statements i discovered, and CONFIRMED that RISE CREDIT NEVER GAVE/TRANSFER/WIRE ME/MY CHECKING ACCOUNT, THE CREDIT LINE OF {$2500.00}, and that had been just taking money out of my account. Now i have gone into over draft situations and really tight on money situations DUE to RISE CREDIT collecting money from me/my checking account that i NEVER OWED THEM. When i received emails from RISE CREDIT stating that they would match me/my current balance that i apparently was being accused of owing to THE RISE CREDIT COMPANY, the company attempted to have me pay them a certain amount to just call off the debt that i NEVER OWED THEM. I called the company and i was transferred multiple times, until finally the last person whom seemed to be the rep who would be the one to somehow get this resolved, THE RISE CREDIT COMPANY rep had ask me if she can put me on hold again for a moment, and once i said yes, the rep HUNG UP on me, and i never herd from them again. In fact i have herd from them they still send me PRE-APPROVAL MAIL for the same amount of {$2500.00}, AND MOST IMPORTANTLY RISE CREDIT HAS IMPACTED MY CREDIT SCORE!!! SIGNIFICANTLY, its to the point where i am ready to sue 100 % because it has now affected my personal life, my credit score, and i am in desperate need of a new vehicle, because i was recently in a huge auto collision where my vehicle has been totaled. I CAN NOT GET AN AUTO LOAN DUE TO THE Delinquencies RISE CREDIT HAS SENT OVER TO MY CREDIT SCORE FOR REFUSING TO PAY AMOUNT THAT IS NOT OWED TO THE RISE CREDIT COMPANY. I Have been highly ashamed of the pass TWO DEALERSHIPS WHO HAVE ran my credit score and SEEN the RISE CREDIT DELINQUENCIES and for that reason i have been DENIED TWO AUTO LOANS. This has gone completely WAYY TO FARR my personal life has been REALLY HARD BECAUSE OF THIS.

Company response to consumer: Closed with explanation