Consumer complaint received 2022-06-08
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I purchased furniture from XXXX XXXX  company XX/XX/XXXX. The company asked for us to put down money for the furniture that we paid directly to XXXX XXXX and overpriced it and said that they offer inhouse lending through Regional finance after getting my social security number and my wet signature to access my treasury account for the full amount of the furniture. Regional acted as the Trustee ( Bank ) for XXXX because the department of treasury only deals with bank to bank transactions. After regional financed accessed my personal treasury account for the full price of the furniture they reversed the debt to me and made me the trustee which is illegal because I am the beneficiary of my trust. As I am a NATURAL PERSON which according to the XXXX  ' Law Dictionary is, " Such as are formed by nature, as distinguished from artificial persons, or corporations, formed by human laws for purposes of society and government. XXXX ''. I am not an ARTIFICIAL PERSON ( CORPORATION ) which according to the XXXX ' Law Dictionary is " persons created and devised by human laws for the purposes of society and government, as distinguished from natural persons. Corporations are examples of artificial persons. 1 Bl. Comm. 123. I am requesting that this debt be fully cleared from my credit. As 1. regional finance have failed to validate the debt. 2. I was not told that I was actually creating the credit with my wet ink signature. 3. Regional finance brought nothing of value to the table and so had nothing to lose. 4. The wet ink signatures of both parties- ( corporations can't sign because they have no Right or Mind to contract since they are soul-less fictions ; and furthermore, no third party can sign a contract on their behalf ). 5. Lawful terms and conditions of the contract were based on fraud as a Corporation can not sign any contracts with a living soul i.e natural person. I have already contacted Regional finance on XX/XX/XXXX on a recorded line requesting a written verification of invoice wet signed by both parties and a verification of debt. The representive started yelling at my husband who was requesting the information and she said, " Where is XXXX put her on the phone right now! '' " Your name is not even on the account we need to speak to XXXX now! '' So I came on the phone and told her I need a written verification of invoice and debt singed in wet ink by both parties sent by certified mail and if you are unable to provide that within 5 buisness days all debt shall be cleared from my account. She then said, " I aint got no verification of invoice or a verification of debt, what is that! Then she screamed, " Why are you recording me I did not give you permission to record me '' when in the beginning of the phone call we clearly stated, " You are on a recorded line for consumer purposes ". I have been getting harassing calls from them everyday since and they have even contacted me from an unverified number requesting payment. When we requested the same information from them they refused to provide it and said they will just come and get the furniture if we do not pay. When i told them we have the pink slip to the furniture which is proof of ownership/purchase they hung up the phone and blocked our number. Also I am requesting a full refund from Regional finance for all payments that were made from XXXX. 

" Without Prejudice '', UCC 1-308

Company response to consumer: Closed with explanation