Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation (FL)

On XX/XX/XXXX, I received a call at my job stating I was going to be served on XX/XX/XXXX. I called the number left in the VM. I spoke with XXXX XXXX. She stated she was the Senior Paralegal for XXXX XXXX and XXXX XXXX at XXXXZoca Loans. She stated that on XX/XX/XXXX, I took an {$800.00} loan. She provided me with the email address of XXXX. I told her that was not my email and she said it did not matter. She gave me two four-digit numbers stating these were the last four of the routing number and account number, but was not sure which was which. She provided me with my full SSN, all assets attached to my SSN, my email address, my physical address and threatened to garnish my wages and seize my assets and put liens on my bank accounts. She stated they were going to start arbitration and litigation if i did not pay them {$6900.00} ( the amount i owed with interest ). I searched all my bank accounts and i did not have any deposits in my account from any of the companies stated in that amount on that date. I did have a loan on that date, but it was from a different company, with a different name and has been paid in full. I did have an account with XXXX, which was closed in XXXX with no balance or pending charges. I told her I have never pulled a loan from XXXX and have never heard of Zoca Loans. I requested they send me the letters they allegedly sent to me notifying me of this debt. She stated she could not. She stated that the actual reason for her call was to get my attorney information since I failed to respond to any of their communications. I told her this was the first I heard of this and needed some proof. She stated she could not send my anything, the call was being recorded and she would let XXXX XXXX listen to our conversation and make a decision on the next steps. After a brief hold, she came back on the line. She stated that she was not supposed to collect monies, but an exception would be made. She stated that XXXX XXXX agreed to two options for collection on this debt. I could pay XXXX payments of {$280.00}, making a good faith payment that day and the rest at my leisure or pay a settlement of {$1700.00} - three payments of {$590.00}, making a good faith payment that day. Unsure of what to do as I was not given the opportunity to make calls and call them back, I paid the settlement amount. I did not want to chance this being real and getting my non-profit seized, wages garnished and losing my car and bank accounts. She sent me a receipt for the transaction, gave me a confirmation code, and her direct phone number ( XXXX XXXX ). Immediately, I contacted XXXX and asked to speak to their loan department. The agent verified that my account was closed in XXXX and there were no loans taken out in my name or SSN. I gave him my full SSN to run through their system. I gave him the numbers she provided me as the last four of the routing and account numbers. He stated those were not numbers associated with the account I had with them. I provided him with all the phone numbers used in this interaction and he stated none of those numbers are associated with XXXX. After this verification, I contacted my credit card company and filed a fraudulent charge and froze all three of my credit reports. When the charge went through, there was a completely different company on the charge, XXXX XXXX XXXX. The receipt emailed to me had XXXX XXXX  on the letterhead with an address in NY. When I researched that address, it did not show this company in that location. I did not file a police report as I felt filing here would be sufficient. Please advise if I should file a report with my local police department.