Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

RAS LaVrar XXXX XXXX Re : your attached letter dated XX/XX/XXXX, XXXX : XXXX XXXX, XXXX. XXXX  XXXX file numbers including XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX -dated : XX/XX/XXXX - Notice of the status of 4 active and pending XXXX  XXXX cases XXXX / XXXX / XXXX / XXXX regarding the attached XX/XX/XXXXXXXX  served Consumer Demand for Arbitration of 4 separate consumer 30+ page demands for arbitration with the XXXX  in cases styled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  for XXXX credit cards ending in XXXX, XXXX, XXXX and XXXX. My demands were file stamped by XXXX as received on XX/XX/XXXX. XXXX has assigned separate case numbers for each XXXX credit card account as set forth in my attachments. Pursuant to attachments, based on my papers and dates received, XXXX set various deadlines for XXXX to respond and Answer to each of my separate claims further acknowledging that The Consumer has met the filing requirements regarding their filing fee ( in each of the 4 cases ). In 2 of the cases the deadline has expired. The Business has paid {$0.00}. {$600.00} is now due from the Business ( for each of the 4 cases ). Your previous letter references my request for arbitration and included a blank form to file arbitration demands to XXXX. As you know, I have been demanding for about a year that disputes be resolved in arbitration pursuant to XXXX Arbitration provisions requiring XXXX to arbitrate as its sole dispute resolution remedy. I finally filed my own XXXX  consumer demands on XX/XX/XXXX when it became evident that XXXX would not file its claims with XXXX as required. XXXX should promptly pay the required {$2400.00} or {$600.00} for each of the 4 cases plus the huge arbitrator fees for IN/PERSON hearings demanded in XXXX to avoid issues. Moreover, XXXX is limited to filing counterclaims with XXXX and paying additional XXXX filing fees for counterclaims. Since XXXX legal department has been dealing with my 4 XXXX assigned cases with its assignment of counsel, I have previously deleted exact sensitive XXXX case filing numbers to maintain confidentially and prevent communication with XXXX except by counsel selected by XXXX  legal department. I interpret your including a blank XXXX form to file for arbitration as an acknowledgment that litigation is prohibited once I have demanded and/or chosen or elected to arbitrate or formally filed with XXXX. Any attempts to litigate will be impossible, frivolous and fruitless and result in years of court of appeals filings which will certainly ultimately compel arbitration. Since XXXX is now actively proceeding with the 4 XXXX cases, I am now able to provide you with updated status of case numbers and XXXX contacts. I trust that you will let XXXX deal with the XXXX 4 cases without muddying the waters with your involvement or interference. While XXXX should have but most likely did not advise you of my 4 XXXX cases, I feel obligated as a courtesy to disclose the 4 XXXX filings to you to cut off any defenses if inappropriate action, including filing and serving any court case, is taken after knowing the existence of XXXX cases. Any inappropriate action by XXXX and its counsel or agents will be brought to the attention of every XXXX arbitrator so it is best to step aside and let the arbitrator decide disputes without making matters worse. I hope you will understand and let the arbitration process proceed without complications and interference. Anyway, thanks for your letter and I hope your client can wake up and try to settle disputes before huge attorneys fees and XXXX and Arbitrator fees accrue. I strongly suggest that you advise your client in detail in writing about the existence of the 4 active XXXX  cases advising them of the horrible consequences to your client and your law firm if litigation is commenced after the filing of active known XXXX  cases. Force your client to instruct you in writing what it wants to do while knowing the consequences. I do not completely understand what you state or imply in your attached XX/XX/XXXXXXXX  letter but if you intended to imply that you may, will or intend to file and serve a lawsuit against me for any of the 4 XXXX  accounts, after knowing about my 4 XXXX active cases effectively deemed file XX/XX/XXXX, I will have no other choice but to file a lengthy written complaint with the Florida Bar for obvious ethical and deliberate violations. Further, I never received copies of XXXX  XXXX  agreements despite repeated requests to you. Are you trying to conceal their existence for a sinister purpose? Kindly provide me Cardmember Agreements which will include the Arbitration provisions. More importantly, I have repeatedly demanded all data reported by XXXX to every credit reporting agency, including communications with such agencies, so that I can compare data to my 50+ paper credit reports and other reports of data additions, removals, deletions or changes. I need you to promptly provide me by USPS mail with paper copies of every data entry and communication to and from every credit reporting agency for the last 24 months for every one of my 4 XXXX accounts. If XXXX continues to conceal credit report data, the 4 XXXX Arbitrators, charging XXXX $ XXXX a hour, will get involved with avoidable exchange of information ( XXXX  ) disputes, which will not help XXXX  defense and only result in excessive Arbitrator fees by classifying the cases as extremely complex. Finally, I request that you look at XXXX account XXXX XXXX from XX/XX/XXXXXXXX  to XX/XX/XXXX, for the multiple billing disputes of about $ XXXX regarding XXXX which were resolved in my favor by XX/XX/XXXX. XXXX was falsely reporting inaccurate data that was known to be disputed and was actually determined to be inaccurate based on my dispute ruled in my favor. Similarly, I have $ XXXX in disputed for XXXX acct XXXX XXXXXXXX for failure to pay my insurance claim regarding XXXX XXXX  hotel/airline charges. You can and should investigate and report why I have not received credit. Why spend 20 extra XXXX Arbitrator hours at $ XXXX an hour to avoid paying my bona fide {$2000.00} insurance claim? Come into arbitration with Clean Hands!!! Your client should have discontinued credit reporting over a year ago after XXXX XXXX disputes were lodged but it got itself into what has become a huge problem for XXXX. You really need to have a XXXX conversation with your client as disputes may never end. XXXX is aware that I demand 4 separate arbitrators and 4 separate XXXX law firms to maintain the required confidentiality and other considerations of proceedings. Obviously, arbitration will be a long expensive process!!!! I am in poor health with no assets and all my income, such as Social Security, is exempt in an out of state entity and not subject to garnishment. XXXX is wasting its shareholder resources for no possible reason except to harass. Sincerely, XXXX XXXX XX/XX/XXXXXXXX XXXX