Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC (FL)

As of XX/XX/XXXX, a XXXX XXXX account was closed and placed on a 48 month payment plan of {$15.00} to begin on XX/XX/XXXX - XX/XX/XXXX. A checking account was required on file for monthly payments to be withdrawn automatically. The terms of this agreement clearly stated " Your current balance is {$610.00}. Your payments of {$15.00} are scheduled to be withdrawn monthly, from XXXX. The benefits of your Payment Plan will remain in effect on your account indefinitely and will not expire. This includes the special lower annual percentage rate ( APR ) for purchases, no late fees, and your fixed monthly payment of {$15.00}. '' Additionally, " Under this plan, you are only required to pay the agreed upon, fixed monthly payment amount of {$15.00} each month, by your Payment Due Date. Please note, the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. '' Prior to the XX/XX/XXXX due date, several attempts were made to log in and verify the payment plan as well as make an initial payment. These attempts were met with a login prompt stating " We're unable to log you into Manage My XXXX. Please contact us at XXXX. '' Upon calling this number, the representative stated that account had been charged off and provided a separate number to contact. This clearly indicates that XXXX XXXX  XXXX XXXX XXXX did not honor the terms of this payment plan and charged off the account. The account was assigned to RAS LaVrar LLC who initiated collection activities beginning XX/XX/XXXX which further confirms that the terms of the payment plan were not honored. 

The correspondence from RAS LaVrar LLC gave until XX/XX/XXXX to dispute the debt in writing with supporting documents. Once received and disputed by that date, this correspondence also stated that they were obligated to stop all collection activities and provide information to show that the debt was validated. On XX/XX/XXXX at XXXX AM, email correspondence of dispute along with supporting documentation was sent to info @ raslavrar. On XX/XX/XXXX at XXXX XXXX, RAS LaVrar LLC through XXXX Signature Confirmation received written notice of this dispute along with supporting documentation. On XX/XX/XXXX at XXXX XXXX, this same documentation was received by Target RedCard through XXXX Certified Mail with Return Receipt Signature provided. 

As of today, XX/XX/XXXX, neither entities have provided information regarding this alleged debt which exceeds the legally allowed 30 days. Subsequently, RAS LaVrar LLC violated CFPB laws by ignoring the dispute they signed for through not providing the requested information they stated to uphold in their correspondence sent on XX/XX/XXXX, and proceeded to file suit on XX/XX/XXXX. In this suit, under Account Stated, they claim no objection was made to the statement. However, later in this filing, they include a statement from XXXX XXXX with a closing date of XX/XX/XXXX and due date of XX/XX/XXXX with an important message stating " Your account is now on a payment plan. Under this plan you are only required to pay the fixed amount of {$15.00}, by your payment due date, to stop the account from falling further past due. Paying the {$260.00} minimum payment due shown on this statement, which includes past due amounts, would bring the account current, but you don't need to pay any more than the fixed payment amount. '' By provision of this document in their suit, RAS LaVrar LLC has not only admitted they are in violation of CFPB laws through not responding to the dispute, but that they are also in agreement that the terms of the payment plan exist and were in fact breached by them and XXXX XXXX