Consumer complaint received 2021-12-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SW Linear Investment Group, LLC (TX)

I started to receive frequent letters from Linear Mortgage aka XXXX XXXX, that I owe them money for a vehicle and that they were collecting on the debt. I never signed a contract with them to do business with them. They claimed they purchased the debt from the original creditor. The amount was more than the alleged original amount and they are charging interest as well. They started sending me letters every month, stating that they would take action against me if I did not pay them or surrender the vehicle. I sent them a cease and desist and a debt validation letter via USPS Certified Mail with Return Receipt to the address listed on the letter. They purposely refused to pick up the letter and sent it back to me. I never signed a contract with this company, they are debt buyers and allege that they purchased the debt from the original creditors. A few days after I was notified by the postal service that the letter would be returned, a representative called me on the phone. She was very rude and I told her that I sent a cease and desist letter and validation letter and told them that they were not authorized to collect inTexas until they got the proper registration and bond, she stated very harshly that they had not received anything, even though I had proof that it had been sent to the address they gave me. She did not care, she started to argue with me and I had to hang up the phone due to the distress. They ignored the fact that they were violating the Texas Finance Code by continually collecting without registering with the state and obtaining a surety bond. They continued to intimidate me and harassment by proxy by sending someone with a tow truck to my home at XXXXXXXX XXXX in the evening to seize my vehicle.I asked him to leave since this issue was actively being disputed and I had a cease and desist until this was resolved. That visit not only scared me by showing up at my house but upset me and my kids. Then the intimidation and embarrassment continued by the tow truck sitting outside my house for another 20 minutes after I asked him to leave. They failed to send me any proper documentation or send me a letter stating that they were actively seeking the vehicle and would send someone to my home. They are intentionally operating outside of the FDCPA, FCRA and Texas State Law by only inquiring into my credit report. They are not reporting this alleged legitimate debt on my credit report and are trying to intimidate me without the legal debt collection practices. These people will not provide me with the proper or requested proof that they are in fact who they say they are or that I owe them anything at all. They have ignored any attempt to resolve this properly. They intentionally evade the laws of Texas and act in a manner that I have perceived as intimidating and harassing. I sent another cease and desist and validation letter via XXXX. I requested a final resolution with this company before I exercise my legal rights and sue this company for monetary and statutory damages. 


The first letter was sent via certified letter and they ignored my letter, my cease and desist, and my validation letter and continued collecting. I sent a final letter on XX/XX/2021.