Consumer complaint received 2021-12-15
Company: Recovery Solutions Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I was XXXX XXXX from the XXXX, and started XXXX XXXX XXXX in XXXX XXXX, TX. On XX/XX/XXXX I took a loan From XXXX XXXX XXXX for {$4600.00}. On XX/XX/XXXX I renewed the loan for {$3100.00}, for a total of {$7800.00} between both loans. Between XXXX and XXXX, I paid {$5700.00} back to XXXX XXXX XXXX. 

In the month of XXXX, the XXXX XXXX Department of Veterans Affairs place me on XXXX XXXX and I could not maintain my XXXX XXXX XXXX XXXX XXXX XXXX the medication the VA placed me on was very powerful and. I immediately notified XXXX XXXX XXXX by email, section 2.2 of XXXX XXXX XXXX contract States Purchaser assume the risk that future business has slowed down, or the full purchased Amount may never be remitted because Sellers business went bankrupt or otherwise ceased operations in the ordinary course of business. 

XXXX XXXX XXXX began calling me numerous times, on each occasion I would answer the phone, they would be extremely aggressive. They made so many harassing calls to me every day, I sent XXXX XXXX XXXX a cease-and-desist letter via email. I also informed them I withdrew my permissions for them to debit my banking account. XXXX XXXX XXXX from XXXX XXXX XXXX sent me an email stating it doesnt work That way they continued to debit my account without my authorization until they had the account closed. 

Approximately a week later XXXX XXXX XXXX placed a {$250.00} XXXX charge on my account and a {$2500.00} default charge. I immediately notified them after I was placed on medication, and could not operate a commercial vehicle, thats within their contract, therefore Im not deserving of a {$2500.00} default I never defaulted. 

When I took the loan with XXXX, they never asked what kind of business I operated nor did they ask me did I own any equipment, in fact my previous company has never own any equipment, therefore Im confused about the XXXX, theres nothing to place a lean on. 

XXXX XXXX XXXX never ask anything concerning my previous business, their application process is to send them 3 bank statements. They claim they are buying future receipts they never ask me anything about a receipt or how I made my money the qualifications for a Loan with XXXX is to have monthly deposits regardless the source of the funds. 

XXXX XXXX  XXXX began sending me emails stating they will have their attorney investigate me for fraud, and they have place a XXXX on me and they plan to execute it to its fullest. 

On one occasion a woman called me claiming XXXX XXXX Law enforcement Officer and she was planning to execute a UCC that had been placed on me by XXXX XXXX XXXX. 

XXXX XXXX from XXXX XXXX XXXX sent me an email asking me to call him, I immediately responded and called him, almost instantly when he picked up the phone, he immediately began being aggressive saying they will charge me with fraud. I told him I had enough of XXXX XXXX XXXX  and was going to the courts in XXXX XXXX and file a complaint, he stated if you do, we will send our people after you. 

About 30 minutes later I began getting a multitude of calls from spoof numbers, when I answer the phone the person would make comments like, your days are numbered its almost time we will make you regret this finally being fed up, I responded to them and stated Im a 2 time American  War Veteran and a ex XXXX XXXXXXXX If I feel myself or my family is being physically threaten, I will utilize my training to its fullest and respond to the max allowed by Texas Law. 

I informed XXXX XXXX XXXX, I had went back into the Military. I did not owe them any money according to their contract and to leave me alone because I was no loner Operating a Business Shortly after, I began getting call everyday numerous times a day of individuals claiming to be loan officers offering me a Business loan, I refused each time telling the people I was not operating a business anymore.

One call I received a call from a person claiming to be a Loan officer from the SBA this gentleman claim I took an SBA business loan. I explained to him I applied for the loan and was approved when I operated my business, but I never signed for the loan because the documents stated I had to have been in business before the pandemic, but I wasnt, therefore I refused the loan. 

The SBA post who apply for their loans online the individual was able to find this information with a search of the company name. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX claiming, now I owe XXXX XXXX {$13000.00}, I sent XXXX XXXX XXXX a cease-and-desist letter via email advising them of my terrible experience and according to XXXX contract Im not in default, and I would like to further settle this case in court with a Jury trial. 

XXXX XXXX XXXX continued calling and sending emails and text messages to my phone after I had already advised them this case had to play out in Court and I was no longer a business owner I was in the Military, aand according to XXXX XXXX XXXX Contract I did not owe them anything. 

Countless calls continued coming to my cell phone of people claiming to be Loan officers offering me a loan. 
On XX/XX/XXXX I received three calls from people posing as loan officers and on posing as The SBA loan officer I told him I had went back into the Military he continued asking me a lot of questions concerning my previous business, I continued explaining to him that I hadnt operated in months and I was not interested in a business loan. The call appeared to be strange therefore at XXXX XXXX XXXXXX/XX/XXXX I blocked my number an called the number back the answering service stated it was the office of XXXX XXXX XXXX. Therefore at XXXX XXXX XXXXXX/XX/XXXX I constructed an email and sent it to XXXX XXXX XXXX, confronting them for posing as a government official from the SBA, and canvasing me for a loan. At this point I realized XXXXXXXX XXXX XXXX was making the harassing calls recording and them to see if I was still operating therefore, they could try and defraud me out of money undermining the court system. 

On XX/XX/XXXX, at XXXX XXXX XXXX responded to my email now claiming I owe XXXX XXXX XXXX {$11000.00} and I only paid them {$1300.00}, his email came 2 days after his staff alleged, I owe XXXX {$13000.00} For weeks I had been receiving harassing calls from this New York attorney claiming to be a Government official SBA loan officer with intent commit fraud by trying to collect undeserved funds knowing I did nothing wrong. 

I warned XXXX XXXX in my XX/XX/XXXX by email that if his firm continued harassing me, I would contact the New York Bar concerning his behavior. 

I continue to receive ridicules text messages from XXXX XXXX XXXX stating for me to contact them concerning an open account with XXXX XXXX XXXX. 

I filed a complaint against XXXX XXXX XXXX with the New York Attorney Discinplinary commission.XX/XX/2021 I received an email from XXXX XXXX XXXX stating they were not pursuing this case any further I then received a very aggressive calls from a female claiming to work for XXXX XXXX XXXX as we were speaking, I sent the company my military orders and proof I was no longer in business. I sent a memorandum to XXXX XXXX XXXX  stating I would take legal action against them, if they contiued with false claims of me owing XXXX XXXX XXXX XXXX, and trying to fraud me out of money. 

Shortly after they received my response they responded stating they were dropping their claim and returning it to XXXX XXXX XXXX. 

Recently I've been receiving calls from someone claiming to represent XXXX  the largest Trucking Broker in The US asking me if I could cover Trucking loads. Being that I do not have XXXX XXXX XXXX anymore and XXXX  use a system called XXXX to verify this, I'm not convinced its them calling but someoneelse misrepresenting XXXX XXXX XXXX trying to see if I still own a company. 

Today XXXX XX/XX/XXXX my cell phone logged 65 calls starting at XXXX am from ( XXXX ) XXXX number belonging to Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX. 

These people sent me an email at XXXX AM XXXX XXXX which states " Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX CREDITOR ... ... ... ... ... .... : XXXX XXXX Funding XXXX ACCOUNT # ... ... ... ... ... .. : XXXX PRINCIPAL BALANCE ... ... ... ... ... .... : {$13000.00} INTEREST ... ... ... ... ... ... ... ... .... : $ COLLECTION FEES ... ... ... ... ... ... ... : {$3900.00} TOTAL BALANCE DUE ... ... ... ... ... .... : {$17000.00} Dear XXXX XXXX XXXX This letter will serve as formal notice that the Pre-Litigation Investigation against your company and you personally is underway. In an attempt to identify a source of repayment to liquidate the claim referenced above, our investigation will encompass the following areas : 1 ) All of your business and personal banking, primary lenders, mortgage and/or lien holders XXXX and leasing entities may be notified of this action. 
2 ) All County, State and Federal authorities which enable or support your ability to bid or award you projects, allowing you to engage in commerce for profit may be notified of this action.

3 ) Any insurance or bonding entities that insure or bond your participation on any and all job site past, present or future, may be notified of this action.

4 ) All City , County, State and Federal tax authorities may be notified of this action.

5 ) A list of all your vendors, suppliers or credit grantors which gave you terms of payment past point of purchase, including but not limited to, any and all credit card companies and credit reporting agencies.

Please contact my office immediately at XXXX  to discuss an amicable resolution prior to exercising our client 's legal right to enforce payment for the balance in full, in addition to any and all applicable fees and/or costs. 

Yours Truly, XXXX XXXX XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

I decided not to anwer his email the 65 calls beginning at XXXX this m orning tells me this business does not care about breaking the law. 

XXXX XXXX XXXX knows I'm no longer in business and that I have returned to the MIlitary. The threats, and harassing calls from countless people will not stop. XXXX XXXX XXXX knows according to their contract. I'm within the guidelines and I owe them nothing. As long as they can go unpunished for their illegal actions they will continue this behavior.

Company response to consumer: Closed with explanation