I applied for a {$2500.00} loan with an online agency known as XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX, I was informed that they had approved my loan and made a deposit into my XXXX XXXX XXXX ( Ending in XXXX ). After returning home, I checked my balances with my bank ( XXXX XXXX XXXX XXXX ) and to my surprise there was a deposit indeed, BUT the amount was {$25000.00}. I was Completely confused and called XXXX XXXX right away to find out how to fix this issue. I could Not afford a {$25000.00} loan payment AT all. I was told, they were happy to help and the loan payment would be the same amount. I told them, No, Absolutely Not! I did Not want a {$25000.00} loan and they need to take it back. All of it, except the {$2500.00} I had applied for. 

Now comes the Really confusing and Alarming information, On XX/XX/XXXX, I was, again surprised to see, by checking my account information, after I returned home from work, that the {$25000.00} had been moved from my Home Equity line ( Ending in XXXX ) at XXXX to my checking account ( Ending in XXXX ), by someone at XXXX in XXXX  XXXX, Va . I have the proof I was at work, so it wasnt me. Not only was it moved, but it had been transferred to an XXXX bank account in XXXX XXXX! So on XX/XX/XXXX, I reported the activity as Fraudulent/Unauthorized with XXXX. On XX/XX/XXXX, XXXX contacted me to say the check from XXXX XXXX was Fictitious. Now Im in a panic as to what to do. So, I found out where the funds went, contacted XXXX bank which was indeed, located in XXXX XXXX, only to be told in a letter, from XXXX XXXX, that XXXX had requested a call back on the funds on XX/XX/XXXX. The funds Never got transferred to the XXXX XXXX bank! So now what? I contacted XXXX as to what I should do to resolve this issue now. XXXX advised me to immediately file a report with them and all the credit bureaus, social security and Federal Trade Commission ( which I did ) about the Fraud and suspicious activity and I moved on with my life. 
On XX/XX/XXXX, I receive a letter from a debt collection Law firm ( XXXX XXXX XXXX ) representing XXXX that XXXX was taking me to court with a Warrant in Debt suit for the {$25000.00}. After several attempts, we finally make to court on XX/XX/XXXX.  Hoping this will be my chance to speak, but No. I wasnt even given a chance to do so, nor was the paper work looked at, which proved I didnt commit this crime. We were advised by the Judge to go in the hall to discuss the issue and a solution, at which time the attorney with XXXX XXXX XXXX stated she felt threated by me and walked away refusing to discuss anything as ordered by the judge and that she would be in touch, which left me clueless and confused. Finally after 9 months on XX/XX/XXXX, I was finally notified about a judgment for {$22000.00} was rendered in favor of XXXX. XXXX had already deducted ( without Permission ) {$2000.00} that was in my checking account ( ending in XXXX ) and closed and charged off the account on XX/XX/XXXX, leaving me with a balance of {$0.00} in my account even before the hearing. XXXX had also frozen my Home Equity Line ( ending in XXXX ) as of XX/XX/XXXX. The account ( ending in XXXX ) has remained closed and inaccessible since that date, although I have been making current payments to it faithfully, I still have no access and XXXX holds my home hostage. I was the victim of fraud and a scam, but now a judgment will loom in my credit report for the next 7 years, how is this fair or right? I was the victim here of Fraud and a scam! But now I must pay for it for the next 7 years? I heard nothing from XXXX or XXXX XXXX XXXX until On XX/XX/XXXX ( 6 years and 1 month later ) I receive a letter from a different collection Law firm ( Glasser & Glasser ) also representing XXXX stating the owed balance is {$31000.00}, but they would accept {$15000.00} by XX/XX/XXXX, as payment in full. So, on XX/XX/XXXX I sent a letter of Dispute and Validation to the Law firm ( with a 30 days to return, time frame ) to be completely filled out with the requested 17 items of proof that the debt was mine, and not out of the Statute of Limitation ( by certified signed return receipt ). On XX/XX/XXXX ( exactly 30 days ), I received a letter from the Law firm that the amount due now was {$31000.00} and no other information. They have refused to answer the letter of Validation as requested nor would they address the Statute of Limitation issue. The checking account ending in XXXX in question was closed and charged off on XX/XX/XXXX. The last activity on the account was on or about XX/XX/XXXX.