Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: OR

Complaint narrative:
Sat XX/XX/XXXX, 1st email from " XXXX XXXX '' at Unifin : " Were reaching out about your account originally with XXXX XXXX XXXX XXXX  which is now owed to XXXX XXXX XXXX XXXX and has been placed with Unifin for collections. The amount due is {$1200.00}. '' Note : I've never had a loan from the XXXX XXXX XXXX and have never had communications with them until now. 

Mon XX/XX/XXXX, XXXX : Another email from Unifin, this time from " Admin '' : " Its been a little while since we last connected. We hope youre doing well. Just a friendly reminder : your account balance of {$1200.00} is due, and were ready to assist if youd like to review your options or ask any questions. You can log in to our secure payments portal to explore payment options, or make a payment. Ready to take the next step? Just use your reference ID of # XXXX when you login below. '' XX/XX/XXXX, XXXX : I called Unifin. ( XXXX ) XXXX. I have no idea what country the customer support people are in, but her XXXX was almost unintelligible. I gave her the account # given in the Unifin email. She said it has my name on it. When she asked for the last XXXX of my social, I told her I thought this a phish or a scam, and ended the call. 

Mon XX/XX/XXXX : I went to the XXXX XXXX XXXX  's website and filled out a contact form. 

XX/XX/XXXX, XXXX XXXX. " XXXX XXXX, lead customer experience specialist '' sent me an email : " Good afternoon! I am emailing you in regards to your contact us form that was submitted on our website. XXXX XXXX XXXX XXXX is the issuing bank for multiple credit cards and we have servicing companies that we work with to provide customer service for the credit card products that we issue. Only representatives at the servicer are able to discuss the account with you. We do not store any information about the account at the bank. Based on the information provided, it appears to be a credit card serviced thru our servicer XXXX XXXX XXXX XXXX. Their contact number is XXXX. They will be able to further assist you with this inquiry and further investigate it on your behalf. '' Mon XX/XX/XXXX, XXXX XXXX  : I called that number. It was answered by a machine that said it was XXXX ( XXXX, I think ) and asked me to input my credit card number. I had never heard of XXXX before, do not have a card with them. I hung up. 

Tues XX/XX/XXXX, XXXX : Another email fro Admin at Unifin : " Hey there, XXXX XXXX! We know having flexibility matters, especially with your balance of {$1200.00} thats due. Thats why weve made it simple to explore what works best for your lifestyle. Youve got options : Chat with us directly at XXXX Use our secure payment portal to make a bid for a reduced balance Or make a payment on your balance anytime Just use your reference ID of # XXXX when you tap the View Your Account button below and view your options. 

NOTE : I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX OR XXXX XXXX. I WONDER WHO SOLD THEM MY CONTACT INFO?

Company response to consumer: Closed with explanation