Consumer complaint received 2020-10-14
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX at Unifund had called me and he was informed by phone in XX/XX/XXXX that I had severe financial hardship due to a workplace XXXX and I explained that in the past few years I had to sell everything to pay utilities even. I stopped paying all credit cards around the same time after trying to get work and to keep my A+ credit rating. He pressured me for payments. Ignored me. I was threatened with a law suit. I told him to send me a SASE and I'll send it in writing or email it. I had already dealt with all other creditors mostly in a very professional manner. He represented himself as collecting for XXXX XXXX, who I owed {$1700.00} and my final payment was in XX/XX/XXXX. He didn't send the XXXX. 

Shortly before XXXX XXXX Saturday XX/XX/XXXX, I heard a scary loud beeping from an auto horn outside my house and ran out to the driveway to see what's going on. As I got in view of the driveway gate by the street there was a dark colored, old style, large car there and a tall brown haired guy standing there yelling out my full name a couple of times as soon as I stepped into view. He was about 30 feet away and I asked who he was. He just kept saying my name and since I had been selling a lot of items on XXXX I thought it was someone acting bizarre. He didn't say who he was so I didn't go near the gate and came in to call the cops but when I looked outside again he was gone. The cop said they'll have the info at the police station and I can still get a copy on record of that. He had nothing in his hands so I had no clue who he was. 

XXXX XXXX phoned me XX/XX/XXXX XXXX. I found that Unifund hired him to give me a summons. I spoke with XXXX XXXX and asked that he mail me a copy because I didn't get it and he sent me a handful of pages but not a complete summons I found out. I was still not well and tried to figure out what to do since they were obviously having fun at Unifund lying and pressuring me. In their summons they included that I worked at a XXXX company that I never heard of and that I had a XXXX XXXX   account that I didn't. And, the date the guy came to my house was what they stated was my being served by a process server. I would have taken the docs from that guy and read through them and did what I should to proceed to stop them with facts. I later found that I had a default judgement for that debt. In XXXX I got a letter. I got an attempt to get a lien on my house so I replied to the sherrif and to XXXX XXXX their California attorney at XXXX and XXXX. I also tried to email her but no reply. I scraped up a few dollars to take a bus to XXXX for that court date in XX/XX/XXXX. It's about 60 miles away. I had to sell my custom van in a hurry for much less than its value so could n't drive. They wouldn't accept and op out after I submitted my hardship info to the sheriff. I tried to email them but no response. They wanted a lien on my house that was in pre forclosure, all while knowing that the info on their summons was incorrect and that they were approaching me for Unifund not XXXX XXXX  as their rep had verbally claimed. I went and the judge didn't put the lien on the house as they hoped for with their attorney there in court and right away they started filing writs to attack me again. The judge even had the clerk call the XXXX XXXX  that they had on file to verify that I had no account there. Unifund filed in XXXX instead of XXXX for writs. They approached me again this time for money, wages etc XXXX XXXX but opped out to go to court when I again explained that my circumstances aren't one that they should be approaching me since I still have financial hardship and I asked that they vacate/close the file permanently. But, they haven't. I even included a pay stub and details of how the income is so low that I can barely make ends meet. 

It's racking up XXXX a day interest at the sheriff 's in XXXX XXXX CA and nearly {$5000.00} with that and attorney fees and court filing fees. 

I had written an email to Unifund 's customer service to tell their CEO that they are not being professional and used me to make money for an attorney to show up in XX/XX/XXXX to court when they had the facts. And they knew that there were lies in that summons. It's a form of racketeering maybe too. Since they knew that they can't collect but people are getting paid through the company to pursue me-using me to make money. I even wrote to their Ohio attorney XXXX XXXX and she sent a crappy copy of a partial doc stating it was a default judgement. That's when I wrote to her to drop it due to the circumstances. She could care less if their staff filed court docs with true info or not. And I asked since Covid-19 in an email to Unifund that they should review their legacy default judgements and vacate them in California. In California my debt with XXXX XXXX turned uncollected in XX/XX/XXXX. That was less than 2 months from the date I physically went to court. Yet, with all those lies they still want to wait maybe for a corrupt judge to ok someone like me to have my money taken from me that I barely can do anything with myself. 

I am adding that I do know that XXXX XXXX is aware of the crisis Covid-19 has caused because I found this link to a blog that mentions her as participating in a Covid-19 and Collection Policies updating webinar. 
http : XXXX I am asking that they know what they are doing instead of using false information and threatening people like me for nothing. If I was well enough at the time I would have contacted an attorney to sue them for their behavior through FDCPA and would have made {$1000.00}! Even better, I would have kept my A+ credit rating and kept paying off the credit. I love paying bills on time. I just couldn't continue and can't afford to now.

Company response to consumer: Closed with explanation