Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (PA)

On XX/XX/XXXX, before getting approved for my apartment at XXXX ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) apartment, I visited " XXXX XXXX '' and got me some furniture which was supposed to be delivered to my apartment when I was ready and to give them the go ahead. The time I was planning to be ready was around XX/XX/XXXX, upon my return back to the U.S. The apartment owners were aware and the person I did the transaction with at the store was also aware I was traveling. On XX/XX/XXXX, I traveled to XXXX, XXXX for a wedding/vacation ( I have my flight information 's ) to XX/XX/XXXX ( I arrived back XX/XX/XXXX ). The person who did the transaction was aware of me traveling to XXXX because I told him that when I return then the delivery can be done, and he agreed. I went to the store with my brother. He told me that I got approved for XXXX, XXXX and I needed to pay {$130.00} every two weeks with the financing company called Kolafi. {$130.00} x XXXX = {$300.00} in total every month. But when I traveled, I noticed more money was being taken out of my account by the financing company. I sort of ignored it and wanted to finish making payment, so I let them slide. While on my vacation, the apartment company asked me to pay extra money for the months I was not going to be there for. I told them I won't be able to that why I asked them to allow me to move in the apartment by XX/XX/XXXX. I ended up canceling the apartment because after making myself clear, they ignored it and stated asking me to pay extra money. When I return back to the U.S, I found out from the financing Kolafi company that I owed them money because " XXXX XXXX '' send them a document which proved that the furniture delivery was made at ( XXXX XXXX XXXX XXXX, XXXX PA XXXXXXXX, my mother 's house, where I currently live ) and that someone signed for it. So, I got upset because first, there was never an agreement that said I was ready to deliver my furniture while I was away from the U.S, second, there was no physical furniture at my mother 's house as they had claimed, third, my credit has been ruin, fourth, I am being prevented from getting my dream house I plan to get and lastly, the financing company does not believe me because they claimed to have gotten a document from the furniture company that proved I received the delivery and that i refused to pay them their money. I told them I can not pay for something that is not in my possession. I offered them to investigate but every time they do, they told me they have a document that proved the delivery was mad to me. They asked me to go to the furniture store to fix the issue but everywhere i went there, I kept being made fun off, ignored, etc. I took matters in my own hands by calling the PA police and they told me that the furniture company told he that the furniture was delivered at the address in XXXX at the XXXX  apartment I had intended them to deliver when I was ready and present for them to deliver. The cop then told me since the store owners are claiming they delivered in XXXX, I should go there and file a police report. I had visited " XXXX XXXX '' about seven times hoping for them to settled with me by canceling the debts after speaking to several of Kolafi representees. But they refused to be settled or even have the decency to speak to me about where/who they deliver the furniture. So far, I have gone to the police station in XXXX two times, first time I got a serial number and then the second time I got a Police report number. Kolafi told me today that they tried reaching out to the furniture store, and they refused to speak to them, therefore, and that I should submit all documents for them to open the disputing case. This seem more like they forged my signature and lied to the financing company that the delivery was made even though it was not. I can not allow these people to ruin my credit by their false report on my credit. I am asking for a fair investigation so this this money can come off of my credit report. I never received any furniture ; therefore, I do not owe Kolafi any money. Kolafi need to return all of my money that was taken from my account. I believe it was XXXX ( I stand to be corrected ). Thank you!