Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc. (TN)

On XX/XX/XXXX, there was a judgement filed against me by Atlantic Credit and Finance supposedly on behalf of XXXX XXXX XXXX. Prior to being subpoenaed to court, I had never received any correspondence in the mail pertaining to this company. There was a default judgement that was entered due to the fact I did not appear in court because I was healing from a major XXXX XXXX and was not able to get around on my own nor drive. In XXXX or XXXX of XXXX I was subpoenaed back to court on the same matter. The attorney from XXXX, XXXX, XXXX & XXXX representing Atlantic Credit and Finance requested to speak some of the plaintiffs, including myself after court on individual matters when our names were called during court. When it came time for me to speak to the attorney, I informed him I needed to see documentation, which included account number and how they came to the amount that I supposedly owed because my information did not match what they had. The attorney told me that they probably could not provide me with that information and just to send them what I had ''. 

Fast forward to XXXX I was subpoenaed back to court on the same judgment that I refused to pay and provide any financial information because the Attorneys office nor their client Atlantic Credit and Finance could not provide me with any documentation, however the judged threatened me and I was bullied into paying them. When I called Atlantic Credit and Finance they finally provided me with account # XXXX********** I informed them I had never seen this account number before and they me told it was the credit card number from my account Red Flag!!! I never had a credit card with XXXX XXXX XXXX. The representative of Atlantic Credit and Finance abruptly ended the call and advised me to contact the attorney representing them. 

XXXX of XXXX, I received a paid in full letter from XXXX XXXX  XXXX on an account, which I had been paying through the court to XXXX XXXX XXXX  through another attorneys office. Not only did I receive a paid in full letter, I received two checks for over-payment. When I contacted the law office of XXXX, XXXX, XXXX & XXXX I spoke with XXXX who requested that I send the information to them. She suggested that if the account numbers did not match I would still have to pay. I informed her the account numbers were not going to match because their information was not accurate. I sent the letter in XXXX of XXXX and I did not hear from the Attorneys office again until I receive a voicemail from XXXX on XX/XX/XXXX. XXXX called and claimed they never received anything so I re-faxed the letter on XX/XX/XXXX and made sure to call them back to make sure they received it. Upon speaking with XXXX again, she told me what I already knew, that the account numbers did not match. She then went on to state that the account number was the credit card number from XXXX MAJOR RED FLAG!!!! I HAVE NEVER HAD A CREDIT CARD WITH XXXX and I HAVE NEVER DONE ANY TYPE OF BUSINESS WITH XXXX. She then stated that XXXX was bought by XXXX XXXX, yet again Ive never done business with XXXX and never had a credit card with them. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX litigation department and spoke with XXXX. I informed her of the entire situation I had been having with Atlantic Credit and Finance and their attorney. First, she stated she had never heard of Atlantic Credit and Finance. Secondly, XXXX stated their attorneys that work on behalf of XXXX XXXX XXXX are always able to provide loan origination documentation when requested. I gave her the account number which was provided by Atlantic Credit and Finance and their attorney, she then stated that they had a similar account number but it was NOT the same. She also stated the only accounts I had with them were loan accounts. I told her I had previously made payments through the court totaling around $ XXXX {$700.00} to the attorney, XXXX , XXXX , XXXX & XXXX . XXXX stated that they had not receive any payments from this company. She also stated, which I already knew, the only accounts I had with XXXX XXXX XXXX were loan accounts. After a 30-minute phone call and further investigation, XXXX stated they, XXXX XXXX XXXX, had not sold any account I had with XXXX XXXX XXXX to Atlantic Credit and Finance and they did not have this company on any paperwork. She advised me to call the attorneys office and have them to conference call their contact at XXXX XXXX XXXX and if that doesnt work I may need to contact an attorney to represent me on the matter because it sounds like possible fraud going on with this company Atlantic Credit and Finance.