Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
Dear XXXX XXXX, RE : Request for Debt Validation and Disclosure of Documentation - Account Number : XXXX / Amount : {$24000.00} RAS LaVrar , LLC Reference : XXXX I am writing to address the correspondence received via USPS mail on XX/XX/2024, concerning a debt collection matter involving RAS LaVrar , LLC and XXXX XXXX. According to the contents of your letter, it appears that RAS LaVrar , LLC has either acquired the alleged debt from XXXX XXXX. or has been engaged to pursue collection on behalf of XXXX XXXX. 

In accordance with the Notice of Understanding and Conditional Acceptance and Request for Proof of Claim and Full Record of Accounting and Fee Schedule, I am hereby notifying you of my expectation for a full and comprehensive disclosure of evidence. Specifically, I request the provision of the following documentary evidence as outlined below : 1. Ownership and Basis of Debt : Name and address of the current creditor, along with the corresponding account number and total amount owed.

Information regarding any previous creditor, including name, address, account number, and outstanding amount at the time of transfer, if applicable.

Verification and documentation substantiating my obligation to repay the debt to the current creditor, including a copy of the written agreement establishing initial liability.

Identification of any third party to whom the debt is attributed, with supporting evidence and documentation explaining the rationale behind my assumed responsibility, if applicable.

2. Debt Amount and Age : Duplicate of the most recent billing statement issued by the original creditor.

Specification of the amount of the debt at the time of acquisition and the date of acquisition.

Itemized breakdown of any additional interest, fees, or charges accrued subsequent to the last billing statement from the original creditor, with clarification on their alignment with the debt agreement terms or legal statutes.

Detailed itemization of any payments or reductions made subsequent to the last billing statement, including dates and amounts.

Comprehensive verification and documentation pertaining to any alterations or adjustments subsequent to the last billing statement, including the methodology employed in calculating said amount and their adherence to applicable legal provisions.

Specification of the date when the debt became due and subsequently delinquent, and identification of the date of the most recent payment made on this account.

Confirmation of the assessment confirming that this debt falls within the relevant statute of limitations, with insight into the expiration date and the methodology employed in making this determination.

3. Authority to Collect Debt : Verification of RAS LaVrar , LLC 's HOLDER IN DUE COURSE status, including proof of the initial purchase ( Bill of Sale ) pertaining to the specific debt, with access to comprehensive accounting records demonstrating the flow of funds.

True and certified copy of the original Bill of Sale documents pertaining to the debt, provided under penalty of perjury.

Exhibition of the original Bill of Sale instruments, in accordance with the Uniform Commercial Code 3-501.

Further information about RAS LaVrar , LLC 's business, including details of any debt collection license ( s ) held in my state or other jurisdictions, if applicable.

4. Documentation Requested by XXXX XXXX XXXX : Verification of XXXX XXXX XXXX HOLDER IN DUE COURSE status, including documentary evidence demonstrating initial acceptance of signed instruments in good faith and exchange for value.

True and certified copy of the original XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Agreements for accounts ending in ( XXXX ), provided under penalty of perjury. 
Exhibition of the instruments for accounts ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501.

Documentation of any market trade transactions if the instrument has been sold, and confirmation of the name of the duly authorized representative from XXXX XXXX. 
Information about any associated escrow account and access to complete accounting records related to XXXX XXXX XXXX XXXX XXXX XXXX accounts ending in ( XXXX ), including IRS tax form filings. 

Notice of Fee Schedule : I hereby declare that my fee schedule for any and all future correspondence will be charged to the addressee as XXXX XXXX XXXX XXXX XXXX ( {$1500.00} ) per day. 

I have requested this information to address certain inquiries, and it is imperative that I receive a response from you within XXXX days to thoroughly evaluate your assertion of the alleged indebtedness. Until then, I demand that all collection activities cease and desist immediately. I am willing to engage in communication via mail for the purpose of resolving this matter. 

In the event that RAS LaVrar , LLC and/or XXXX XXXX XXXX fail to substantiate their HOLDER IN DUE COURSE status and persist in divulging personal information to a third party without my informed consent, I expect my privacy rights to be upheld.

Furthermore, should RAS LaVrar , LLC and/or XXXX XXXX XXXX fail to substantiate their HOLDER IN DUE COURSE status and persist in collection activities subsequent to the receipt of the cease-and-desist order, such actions could potentially be construed as a violation of my rights and may contravene consumer protection laws.

I am also pursuing compensation for mental and financial distress resulting from the actions of RAS LaVrar , LLC and/or XXXX XXXX XXXX 

Lastly, please note my correct dwelling place below. Any correspondence addressed incorrectly will be returned unopened or discarded without dishonor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX

Company response to consumer: Closed with explanation