Consumer complaint received 2022-02-20
Company: Fair Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called Fair Financial Corp . The leased vehicle was returned to Fair according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from Fair Leasing, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, Fair Financial Corp, or XXXX XXXX XXXX XXXX. whom the supposed debt was transferred to, that there was any deficient balance or any balance owed. I do remember, even though this was almost XXXX years ago, after I returned the vehicle, calling Fair XXXX XXXX to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with Fair XXXX XXXX that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost XXXX years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from RPM which complies with XXXX XXXX. XXXX, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX is trying to comply with the federal statute but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, Fair who later bought them out and is now also out of business. Since Fair is out of business I have no way contacting them to get access to my customer account or any information so that I can prove to the collections company that I do not owe anything. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the XXXX notice I received XXXX almost XXXX years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint against Fair XXXX XXXX because they failed to adequately update my account to show that the vehicle return did not violate anything on the contract and that all balances were paid in full and on time.

Company response to consumer: Closed with non-monetary relief