Consumer complaint received 2023-07-27
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call from an attorney offering to hire him to be represented in the lawsuit that has been filed with DNF. I was not aware of why I have been sued. I was not served any legal court paperwork, received any calls or emails. I was never contacted either. When I was able to speak to this attorney he told me my name had came up as an open case at the XXXX XXXX Court house he advised me to look up the case online to get further information and to contact the office. When I did, I verified who was I being sued by and I had no idea who DNF was, I called the law firm that contacted me for representation and gave them the information and they provided me with a phone number to try to reach a representative for DNF. I called a few times and they wanted me to verify my SSN #, I'm aware of scams and I was not wanting to provide that information, I asked if I could verify myself another way and one of the representatives said " You don't know your SSN #? I said no I don't. I provided my full name and DOB but that wasn't enough to give me information. ( already a red flag ) I finally decided to call again and try to provide the least amount of information to prevent any future fraud. I was told there was a balance with a XXXX credit card. I asked for the amount and contacted XXXX. XXXX was unable to give me any information, and it's never been on my credit report. I contacted the law firm to hire them for representation they asked if I had any idea about this debt, have I been contacted by this debtor? and I said no, if you wouldn't have told me I would of never known about this lawsuit. I was told I needed to wait to be served and to see if this account could be validated as mine. Weeks went by and I heard nothing, again I call this lawfirm who tells me it looks like you've been served. I said no I still I have no idea on who this company is and what's going on. Well now I get the information that I'm limited on what I can do because this company is now going to to garnish my wages without even giving me a chance to file anything on my behalf. They went behind my back and filed a lawsuit AND then said they served me with papers that I never received. They have never once sent communication by mail so that I had something in front of me to review nor spoke to me about what was going on. I had to spend money to purchase the documents to view online ( Complaint demanding, Original Summons, and Civil Case Cover sheet ) Furthermore DNF has violated FDCPA by not sending a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days they used unethical communication tactics ( by filing a lawsuit against me without letting me know and stating I was served ). Theyve caused me unnecessary stress and frustration in trying to figure this situation out with little to no information

Company response to consumer: Closed with explanation