Consumer complaint received 2015-06-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Credit Card Receivables Fund Incorporated (MO)

XXXX/XXXX/14 - Received a collection letter from XXXX for a charged off XXXX Credit Card. I worked out payment arrangements of {$25.00} every month for XXXX, XXXX, and XXXX of 2014. Also worked out payment settlement agreement with XXXX of {$2700.00} to be paid in XXXX of 2014 ( gave bank account information for auto drafts of the payments ). XXXX did not honor agreement and sold debt without taking an auto drafts, I called to verify with XXXX where debt went and they could not tell me. I waited to hear something from a new credit collection agency. I did not receive any letters or notifications until I finally received a summons to appear in court on XXXX at XXXX to go to court on XXXX. Unifund CCR LLC based out of Ohio was suing me for the debt that I had originally worked out a settlement agreement with XXXX for {$8100.00} which is a incorrect balance. Disputed the validity of the debit with Unifund via e-mail, in court on XXXX, and via certified letters sent to Unifund and their attorney XXXX based out of XXXX XXXX, MO. Attempted to communicate with Unifund on XXXX via telephone prior to the XXXX court date and they would not discuss the collection. On XXXX, called XXXX and tried to work out the debt however they would not agree to the previous settlement agreement and had to talk to Unifund. I sent certified letters requesting proof of ownership, a valid agreement with my signature from the original creditor XXXX XXXX XXXX Credit Card Company XXXX and an itemized explanation of how they came to the balance. XXXX certified letter was sent on XXXX to Unifund, another certified letter was sent on XXXX to XXXX sent a XXXX request to XXXX on XXXX along with discovery requested by the attorney 's office. At the hearing on XXXX, Attorney XXXX XXXX XXXX provided 2 year 's worth of copies of charges on the XXXX Card but did not provide the proof of ownership nor did they provide a valid agreement with my signature on it. I was given a quick court date after being summoned. I was not allowed to communicate with Unifund and XXXX would not discuss unless I called through a call center and stated that I was not recording the conversation nor was a 3rd party listening but stated that they would be recording the conversation. XXXX call center is using " bullying '' tactics to scare people when they ask up front if you are recording the conversation or if a XXXX party is listening before they will discuss the account with you however, they are allowed to record the conversation on their end. Poor communication on both sides from XXXX and Unifund. Unifund nor did XXXX provide the proof of ownership or my valid signature as requested by certified mail within the XXXX days as requested. I also received signed mail receipts from both Unifund and XXXX showing they received all letters referenced above. I would like to also state that this collection through Unifund nor does this original charged-off XXXX credit card appear on any of my credit reports, I checked all XXXX XXXX