Consumer complaint received 2021-11-08
Company: LDF Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on XXXX, XX/XX/XXXX from a company called Lendumo. I have never heard of that company. 

The caller left a voicemail, so I returned the call. The Lendumo service representative said that I haven't made a payment on a loan that I allegedly took out in XX/XX/2021 in the amount of {$1100.00}, and the loan in question was # XXXX. I informed the service representative that I have never heard of Lendumo, and I did not take out a loan from Lendumo. In fact, I have not taken a loan from anyone or any entity in the amount of {$1100.00}. The service representative indicated that I was a victim of identity theft and instructed me to obtain a police report and email it to XXXX. The service representative told me that I had 7 days to rectify this or the loan in question will be sent to collections. 

That same day, Tues, XX/XX/XXXX, I contacted XXXX XXXX of Police Detective XXXX XXXX and completed a police report. He emailed me the report immediately thereafter. The detective also told me to fill out an identity theft alert with XXXX XXXX, which I did. 

On XXXX XX/XX/XXXX at XXXX, I forwarded that police report to XXXX. 

On XXXX, XX/XX/XXXX at XXXX, I received an email from Lendumo stating that I need to fill out a police report and complete a fraud affidavit online. The sender stated to XXXX " fraud affidavit, '' and complete it online. I promptly responded at XXXX on XXXX, XX/XX/XXXX and alerted the sender from Lendumo that I already sent the police report the previous day on XX/XX/XXXX. I also asked for further clarification on which " fraud affidavit '' to complete because a XXXX search of that term yield many results ranging from private law firms to state websites to the IRS. 

On Fri, XX/XX/XXXX at XXXX, I responded again to the Weds, XX/XX/XXXX XXXX asking for an update and reminding them that I already sent the police report. I emailed again at XXXX and attached the police report because I don't want this to have a negative impact on my credit score. I emailed again at XXXX to check-in on the status because I still had not heard back. 

Also on Fri, XX/XX/XXXX at XXXX, I received a text message from Lendumo that my account was being sent to collections. 

On Sat, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. 

On Sun, XX/XX/XXXX at XXXX, I emailed again because I still did not receive a response that Lendumo had received the police report I filed. 

Also on Sun, XX/XX/XXXX at XXXX, I received a text from Lendumo that my account was in collections. 

On Monday, XX/XX/XXXX at XXXX, I received an email from a Lendumo representative that they had no received my police report, despite sending it 2 times already. I responded by re-forwarding the police report for a third time at XXXX. I also took screen shots of the police report and sent that via email at XXXX. This time, I sent both the police report and the screen shots to XXXX and XXXX. 

I don't know what else to do. I have done everything asked, and Lendumo keeps jerking me around. I don't want this on my credit score because it's not my loan.

Company response to consumer: Closed with explanation