Consumer complaint received 12-03-2017 about Debt collection (Credit card debt) with ADIR INTERNATIONAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This Report complaint have been update from original send from this website CFPB on XX/XX/XXXX. 

YOUR COMPLAINT create on XX/XX/XXXX I have been victimized by illegal debt collection practices from the company name is ADIR international LLC DBA as XXXX XXXX. 


I receive a mail offer to apply for their credit card. Application was approve via online The Reference account I am disputing specific a creation of sub account or second account in addition to the main account that was create from an online purchase. During the purchase there was not any indication that the purchase made will have a different contract agreement and payment plans. During the checkout there was no indication nor there was any information from the receipt of purchase printout. 

This additional account was create without my consent the term of this account have monthly fix payment amount. 

It was when I receive the bill that I notice that one of my purchase was under as sub account with fix monthly payment the remainder of the other purchase I have made simple monthly base on the balance which then is how the monthly minimum payment is calculate. 

To my surprise the amount on the bill was double of what I was expecting, an amount twice as much the anticipate amount, if I would have been informed which I was no, I will have not have made the purchase. What I have purchase was base on my monthly budged amount. 

What is misleading is they never mention nor during the process of purchase no during the finalization of the merchandise because of having this not be presented nor did I have sign any other documents reflecting the creation of such sub account with or under different term. 

If there was a condition then the time to present this to the buyer would have been during the checkout or prior the purchase become final then that should have been the time to present it, but that never happen. 

In conclusion because of that along the fraudulent information provide to the credit bureau destroying my credit file score on a monthly base, is spite that I try to establish a payment plan but they never when forward with it, but they were ruining my credit file and it was done with knowledge with the intention to so, no there where not trying to collect a debt. 

This are the main reason of this complain which I will continue to explain on this report in the must simple clear and precise way I can. 

Is important for to say I did not apply or have consent XXXX to create any new term if such term were part of this contract it was misleading marketing. 

Regardless I did not consent for that I have requested for documents supporting this term before I could have made my point to dispute with creditor they never provide me with one, no providing one because technically there was none. 

To this day I have not received any documents in spite of countless of time I have requested. 

The request was made by mail, phone call and by using the internet costumer service. I have kept proof for supporting my inquiries for the claim in dispute. 

Again not proving me with any type of anything with a sign contract will have been invalid. 

With not prove of the term there can not be a claim and to demand a different payment amount which I never agree with, and when trying to return merchandise was, base on their policies was passed the time frame for return merchandise Like to further clarified I was disputing the purchase or the account itself, but I was disputing the validity of the term I was forced without proper documentation to support of such term The account was market as credit revolving account the minimum payment was base on account balance, for my understanding this credit card was structure like any bank credit card. 

Under the contract that I read there was mention very briefly a sub account but nothing in term of specific. Other than you need apply or ask for it or be offer to you by XXXX for that type of line as an addition added to the account, so was something that would have happen automatically. 

Made countless request to return merchandise as a way to resolve the matter. That was not possible they keep giving me some irrelevant excuses. 
So on their mind I have broken the contract when in reality they have breach the contract and they are not seeing that. 

In any contract both parties have obligation and they felt with their obligation by not keep accurate update information to costumers, but they claim I was the one that committed breach of contract which let this account to collection. 
Regarless of trying to come up with a payment plan, they refuse it and insist to pay an amount that was not possible which is the point to this dispute, but then using the credit reporting as a tool for their iligal practice constantly breaking the law. Shame on them They declare the account in default as a charged-off and reported to credit bureau which they have intentionally provide false information such as account balances , lane of credit passed due amount, this information was change monthly with the intention to ruin my credit file, in spite that when reporting a charged off account is one time reporting, but instead my credit line have increase on a monthly base, as well the amount own. In doing so they in violation of The Fair Credit Reporting Act. 

XXXX then file a fraudulent lawsuit against me in a small claim court which is where all this got very complicate and is were XXXX has violate the law in several aspects. 

They never notified my as is the normed they lie saying that I was serve document for the court case, that was not true. 

The file a small claim with misleading and false information including the amount own and main reason for the lawsuit. 

I learned of this lawsuit when two weeks before the trial I receive a letter from XXXX saying they have file a lawsuit, the letter state the case information, date and court. 

With such short notice I did the search online about the case with the court and there it was. I did call XXXX again trying to get some mutual agree and to tell them that I have knowledge of the activities they were involve when trying to recover account in default. 

I manage to have the case be dismissed which the judge dismiss the entire case for lack of evidence and for XXXX not been present. 

They lie by saying will request the court to have dismiss the case, another lie. They never did So this complain is to have someone to further look into this as I think is a serious matter an there is a strong evidence of wrong and illegal practice when collecting debt. 
There is need for immediate resolution is warrant, this should not be allow period. 
Is my obligation for reporting this to you ( CFPB ) that monitor and address to who/whom is and when committing illegal activities. 

I consider what they are doing under the current law and is view as fraud. Let alone all the modification they have created in alleged account in dispute when reporting information to credit reporting bureau ( XXXX-XXXX and XXXX ) The also File a case in court with the small claim court and here is where everything gets complicate in term of what I have found this company is doing wrong and it needs to be investigate which is my hope this complain will accomplish to the discovery what this firm have been practicing for quiet sometime to many of their client that they have offer credit lines with the intent to damage costumer credit profile among other things file fake document representation. 

They presented fake license representing the firm when they file case in court misleading information. I responded to the allegation by presenting to the judge relevant important facts for the judge to have dismissed the entire case with prejudice which was the conclusion the judge have made on the case. 

I dispute and report to the credit bureau agencies the validity of their report toward my account with them, but I got not support from the bureau to resolve the matter. 

They conducted no proper investigation. I am in the process to report then for lack of responsibilities and to be in compliance of their obligation were not practice when responding to the credit bureau from my demand to verification of the account validity with the credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

They have intentionally damage my credit file month after month in a blatant an unashamed behavior putting on and off false information as account balances own opening date of account they have re-age the account every other week making my credit score to drop tremendously. 

Every trade line in the account was wrong. It was clearly done intentionally to further damage my credibility They try to intimidated me and I let them but now after I have learned and I am well aware of what my right are. 

It will be irresponsible of me not to use it in spite of the current laws is clearly that it did not provide sufficient restraints to then as to follow the rules as a way to practice their obligation they are furnisher of information to credit reporting agencies when reporting is to be accurate and true full information is a must, as is their obligation to do so and they have fail to obeyed the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation