Consumer complaint received 2021-05-19
Company: USI Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person contacted my employer about a credit card debt from XXXX of XXXX. They said they where an attorney verifying my employment to send court ordered garnishment papers. They left a phone number of XXXX ref # XXXX. My work gave me the information and I called the number. They were very vague about a lawsuit and then denied even calling my work. Then a man claiming to be an attorney, Mr. XXXX ( his name is the only information he would give XXXX told me he is looking at my credit report and that I don't look like I'm trustworthy and I had to pay the money of almost $ XXXX or be sued. He told me that I opened up a credit card in XXXX XXXX Washington back in the early XXXX 's. When I informed him I left XXXX Washington in XXXX to move to California he then gave me another number to call. He would not give me any information regarding his law firm. I called several more number after calling the one he gave me to get to a company called USI Solutions XXXX XXXX XXXX XXXX XXXX Ext XXXX Ref # XXXX. There I spoke with a woman claiming to be a XXXX XXXX. She informed me that this was an attempt to collect a debt from XXXX XXXX back in XXXX. I informed her that to my knowledge I have never had a XXXX XXXX  card and never lived in XXXX Washington in XXXX and In fact bought a house around that time in Ca. She told me it did not matter and that the debt was mine and I had to pay it in full right away or risk legal action against me. When I asked why they called my work she claimed they did not do that. And a few minutes later she said but if I paid it they would stop the garnishment. She said things like you must have forgot you had this credit card. Every time I asked for proof this was even my account she would then get very forceful and intimidating and say things like if I ask for proof then I would owe the full amount and they wouldn't be willing to settle for less. She kept insisting on a debit card and to at least pay {$25.00}. They had my address and phone numbers wrong and claimed they sent me notifications. This whole thing was embarrassing because they involved my employer, completely stressful with the feeling that I was being extorted for money and seriously interrupted my life in general. Since the phone call I have since found out that a debt that old has a statue of limitations which has ran out by many years. I have also NEVER been notified that I was being sued for wage garnishment or that I have even owed this debt. They also would not even give me proof the debt was mine. I honestly feel that a company claiming to be XXXX XXXX out of XXXX XXXX XXXX, Mr. XXXX falsely claimed he was an attorney and USI Solutions are all in violation of the law and use these tactics to extort money from people. Calling a persons work place to embarrass and humiliate them is not a right they have and further more to refuse to give them proof of a debt has to be illegal. California has a statute of limitations of four years for most types of debt, and XXXX was XXXX  years ago on top of the fact I have never had a XXXX credit card!

Company response to consumer: Closed with explanation