Consumer complaint received 2017-02-09
Company: FRIC HOLDING CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX Bank on XXXX/XXXX/XXXX and found out the bank has placed hold on my checking account for {$2600.00} effective XXXX/XXXX/XXXX, because the bank received a garnishment order from a court. So, I went to the district court and obtained a copy of the documents pertaining to the garnishment order. It shows that a debt collector had filed a civil lawsuit against me to collect {$2000.00} in XXXX XXXX. But I have absolutely no idea about the debt. I do believe strongly that there were mistakes on their part and it was not my debt they are trying to collect. The court document did not have any detailed information about the debt. The debt collector 's name is First Resolution Investment Corporation, XXXX, OH, which appeares as plaintiff on Garnishment Disclosure. I hired an experienced local attorney on XXXX/XXXX/XXXX. He had to make a several phone calls until he could locate the attorney representing the debt collector. My attorney found out the debt was originally from a credit card issued by XXXX in XXXX or XXXX. But I never had a credit card from XXXX until XXXX. I have had a XXXX credit card from XXXX Bank since XXXX and I rarely missed a monthly payment the last 15 years. A copy of the court document showed the court had issued a summons on XXXX/XXXX/XXXX. But I never received it in mail or in person or by any other methods. So, I was n't aware that someone had filed a civil lawsuit against me for collecting debt. The court entered a default judgment on XXXX/XXXX/XXXX because I did not appear in the court to dispute the allegation. But I could not respond because I had never received a summons and I did not know about the lawsuit at all. 

It was XXXX/XXXX/XXXX that I found out a debt collector has been trying to collect debt from me when I received a letter from XXXX Bank regarding the garnishment of {$2600.00} on my checking account. 

My attorney has tried to obtain from the debt collector any evidence that would show my name and address and details of the debt, such as a copy of the original credit card statements, but they have not been able to produce such evidence. 

I lost my wallet in XXXX and there was my social security information in the wallet. I suspect that someone had opened a credit card account in my name with XXXX and used the card without paying it. 

I would be very grateful if you could force the debt Collector, First Resolution Investment Corporation, XXXX, OH to stop from harassing innocent people. Please also ask them to provide me with evidence such as copies of the original credit card statements and other document so I can review it. It is so unjust, so unfair to garnish more than 10 % of my family 's annual income without their having any detailed information about the debt. 

I have been able to hire an attorney and pay him for a few hours of his work, but my wife and I do not earn sufficient income to pay him to fight such a frivolous and unjust lawsuit in court. Our XXXX Income Tax Returns indicates a gross annual income of about {$20000.00} to {$28000.00} for the last 12 years for a family of XXXX. 

Sincerely,

Company response to consumer: Closed with monetary relief