Consumer complaint received 2021-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (KS)

Some XXXX  whom I don't know at all, used my identity to open at least three credit card accounts fraudulently at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I didn't know this until XX/XX/XXXX when I applied for an XXXX credit card and was rejected, due to my surprised bad credit history. From that I did some research and found the above criminal identity fraud activities against me. Plus, someone used my identity to create an account at XXXX. It took me a lot of time and effort to get back my account, to prove to XXXX that the person who created an account using my information is NOT me and I am what I am, that I can prove who I am with my driver license, passport and any picture ID. 

Below are the actions that I have taken so far to dispute these fraudulent charges : XXXX ) I went to XXXX XXXX XXXX XXXX local branch in XXXX XXXX, KS on XX/XX/XXXX, talked to XXXX XXXX. I showed her my driver license with my current XXXX  address. I told her that I have lived here since XXXX and have never lived in California. The address used on the credit card is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX XXXX should be able to locate this person by tracking to this address. 
XXXX ) I completed a consumer dispute at XXXX XXXX XXXX XXXX office that day, which XXXX told me she would submit it to the XXXX  center. 
XXXX ) I completed a police report that evening, XX/XX/XXXX. 
XXXX ) I emailed the police report to XXXX on XX/XX/XXXX. 
XXXX ) I called XXXX on XXXX to confirm the receipt of my email with the police report. She promised me to submit the report to the XXXX center. 
XXXX ) I went to XXXX XXXX XXXX XXXX again on XX/XX/XXXX after receiving calls from MS Services, debt collection agent. I talked to XXXX XXXX, the branch manager. 
XXXX ) At the XXXX XXXX XXXX XXXX that day XXXX completed there Uniform Affidavit for Identity Theft ( UAIT ). I also called XXXX XXXX at XXXX office on XXXX. XXXX yelled at me with his masculine voice : " Pay the money or shut up! '' This is extremely disturbing to me. His yelling keeps coming back to me like a nightmare. 
XXXX ) I sent on XX/XX/XXXX a certified letter to XXXX XXXX, MS Services LLC ( debt collection agency ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX. Inside the letter, I included an identity theft crime police report, Uniform Affidavit for Identity Theft, and business cards of XXXX XXXX and XXXX XXXX. This certified mail arrived on XX/XX/XXXX. 
XXXX ) I received a thick envelope from MS Services, demanding for payment of {$9700.00} plus 18 % interest. The letter was sent on XX/XX/XXXX, more than a week after they received my letter. I wrote an email to both XXXX and XXXX on XX/XX/XXXX. 
XXXX ) I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX placed me on hold for 32 minutes, without any hope of ever talking to anyone. I use a pay as you go phone. 

At this point, I have frozen my credit at all credit sites and have sent a fraud alert on all my accounts. My biggest headache is this debt collection agency : MS Services, who knows I am the victim of identity fraud and still keeps threatening me.