Consumer complaint received 2019-01-25
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection XXXX named XXXX XXXX XXXX XXXX Legal Department with the acronym GCFS.Inc bought a debt account to XXXX on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of Sale XXXX XXXX stated there were XXXX payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As GCFS.Inc stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX Legal Department against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from XXXX or GCFS.Inc ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. GCFS.Inc replied that they served me and that their collection is from XXXX, now their property. They never validated the debt. They send me a copy of the contract of XXXX without signature, I never signed anything from XXXX. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by XXXX, GCFS. Inc. - XXXX bought the loan to XXXX - XXXX in XXXX. GCFS sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as XXXX contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The XXXX contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation