Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLS Mortgage Inc. (FL)

XXXX XXXX XXXX  XXXX and XXXX This company has reached out to me through phone contact XXXX XXXX despite explicitly stating I do not consent to them using my number, keeping it on file, or continuing to contact me through phone methods whatsoever. 


The accounts are listed in the above however if those account numbers are incorrect, I have never received any valid documentation to even confirm I owe this, let alone anything with the account number. I have been reaching out for a XXXX XXXX  XXXX  to dispute said account and was even told the paperwork I asked for was mailed to my address, which it has not been, to confirm whether this is correct. It was ONLY in the process of attempting to apply to a new complex, I was even advised IN THE FIRST PLACE a collections on my account was preventing my acceptance. Upon my research, I found XXXX different charges for different amounts from the same debt company claiming I was XXXX XXXX in derogatory status for an account that went to collections in XXXX of XXXX for the SAME LOCATION for a combined amount of XXXX. Not only was I not contacted by the original creditor which was a XXXX XXXX XXXX XXXX about their attempts to collect despite it being in XXXX of XXXX when I left while contesting my renewal for the next XXXX XXXX  XX/XX/XXXX to XXXX ) which was verbally told to me would be an option because of XXXX affect on campus AND my own orders to vacate to a military base, the balance was sent to the collections agency in XXXX of XXXX from what my credit is reporting and marked as delinquent from then on despite not even being when the initial contact would have ended and without any notification whatsoever. I contested the original XXXX balances with XXXX and the smaller balance was removed entirely, but the larger one was kept claiming it could not be removed because of validation despite never receiving any actual documentation at any point in the last XXXX whatsoever. I attempted to contact the company directly via email AND phone call and was given no information because I could not provide an account number, and then was spoken over rudely when simply trying to state I did want to file a dispute and had not EVER received any information about the debt despite never receiving any correspondence that had said information or even being notified of said debt with even phone calls from this agency or the original creditor. There was attached proof of my successful dispute to a XXXX XXXX as well as the XXXX XXXX XXXX XXXXXXXX XXXX because of the invalid amount as well as no notification of balance considering there is a major discrepancy in dates and information as well as my attempt to contact the office and receiving no help or information despite having no idea who this company is, the balance, the validity, or ever even being told I could dispute it at any point in the last almost XXXXXXXX XXXX I was also informed by the company I would receive written documentation proving this debt is valid and legal however I have not received this either. It has been over XXXX XXXX since I received communication and at this point, I will plainly state that this debt is invalid or fraudulent and needs to be addressed as there has been no proof, no documentation, no communication, or anything even proving there is a debt let alone one for such an egregious amount. 


Attached is also the proof of my credit disputes, my marriage, military dependent status, and the debt only being marked for dates after my confirmed vacancy, orders confirming military move was set after the renewal was signed of which I have not received a copy as well as XXXX XXXX that I am still well within rights to break said renewal since the office was already notified of my military status as well as verbal confirmation with the office before XX/XX/XXXX of my departure, proof of my military spouse being on said lease as a guarantor and even expressing their financial support meaning the documentation was provided to the office. The very same documentation they claimed to never be provided despite my spouse being listed as a guarantor on the lease. There is also proof the complex was inappropriately charging late fees during the rental moratorium period in the XXXX  XXXX, bringing the balance to an exorbitant amount despite explicit XXXX rental legislation halting the collection of rental late fees as sent by the company itself. Written status of my movement from the unit was sent to the office in this time which they never confirmed the receipt of and the XXXX XXXX  was aware of my pending vacancy as they were contacted as a leasing reference for the next unit and if necessary, proof of this can also be provided they were notified in XXXX and XX/XX/XXXX of my pending vacancy. * ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You must be part of the " uniformed services, '' which includes the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the statute for me to locate. It is not on me if the office was negligent in maintaining records of my departure during the epidemic, but this information had been provided both to the college and the complex in XXXX, before the renewal was signed with my addition on the orders coming in XX/XX/XXXX.