Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
ON XX/XX/XXXX I RECEIVED A PHONE CALL FROM A REPRESENTATIVE WHO DID NOT IDENTIFIED HERSELF AND DID NOT WANT TO IDENTIFY THE COMPANY NAME. THIS PERSON INFORMED ME THAT I OWED A BALANCE OF OVER {$11000.00} FROM A GYM MEMBERSHIP FROM XXXX. THIS PERSON PROVIDED INFORMATION WITHOUT VERIFYING MY IDENTITY FIRST. ALSO, STARTED THREATENING ME THAT IF THE BALANCE WAS NOT PAID BEFORE XXXX XXXX THE SAME DAY, THEY WOULD SUE ME AND GARNISH MY ACCOUNTS. ADDITIONALLY, THIS PERSON ASKED ME TO NOT HANG UP UNTIL I COULD MAKE THE PAYMENT BY PHONE. UNTIL THIS POINT, I STILL HADN'T RECEIVED INFORMATION OF THE COMPANY THAT WAS REQUIRING PAYMENT. I ALSO AKSED IF THEY COULD SEND ME ALL INFORMATION AVAILABLE BECAUSE I WAS NOT SURE OF THE VALIDITY OF THE DEBT. THIS PERSON SENT VIA XXXX MESSAGE A PHOTO OF MY FORMER ID AND A COPY OF THE GYM MEMBERSHIP AND AGREEMENT WHICH WAS NOT UNDER MY NAME I WAS JUST THE " BUYER '' NOT THE GYM MEMBER. THOSE PICTURES WERE SENT ALONG WITH THE BANK INFORMATION WHERE I SHOULD MAKE A DEPOSIT. THE MINI MIRANDA WAS NOT PROVIDED NOR THE EXACT AMOUNT OF THE DEBT, THEY OVERSHADOWED MY RIGHTS TO VALIDATE THIS DEBT WITH THEIR THREATENING COLLECTION TACTICS AND MISINFORMATION. SINCE I WAS WORRIED AND DO NOT KNOW ABOUT THESE KIND OF PROCEDURES, I CALLED AND AUTHORIZED A REPRESENTATIVE TO CALL AND RECEIVE INFORMATION. MY AUTHORIZED PERSON SPOKE WITH XXXX XXXX AT XXXX ( PUERTO RICO 'S AREA CODE ) WHO AT FIRST DID NOT WANT TO IDENTIFY HIMSELF OR WHERE WE WERE CALLING, AFTER EXPLAINING AND DEMANDING MORE INFORMATION, THIS EMPLOYEE SAID THAT THEY WERE A COLLECTION AGENCY LOCATED IN XXXX, FL AND OPERATING UNDER THE NAME GENESYS NATIONAL RECOVERY. WE ASKED IF THEY WERE LICENSED TO COLLECT IN PUERTO RICO AND THEY RESPONDED YES. WE ALSO ASKED WHICK ATTORNEY DID THEY REFER THESE ACCOUNTS TO AND HE DID NOT PROVIDE THE INFORMATION UNTIL A WHILE LATER. HE MENTIONED ATTORNEYS XXXX XXXX AND XXXX XXXX XXXX. HE CONTINUED THREATENING WITH PURSUING LEGAL ACTION IF THEY ACCOUNT WAS NOT PAID AND KEPT MENTIONING XXXX XXXX WHO WAS THE PERSON THAT ACQUIRED THE GYM MEMBERSHIP. I REQUESTED ALL DOCUMENTS AVAILABLE TO BE SENT TO XXXX AND WE ENDED THE CALL BECAUSE THE AGENT INSISTED THAT WE SHOULD READ THE CONTRACT TO UNDERSTAND ITS TERMS AND CONDITIONS. WE ENDED THE CALL INFORMING THAT WE WOULD SEND A CEASE AND DESIST REQUEST AS WELL AS A DISPUTE BECAUSE THE SIGNATURE ON THE AGREEMENT IS NOT MINE AS WELL AS THE GYM MEMBERSHIP. I HAVE NEVER BEEN NOTIFIED BY THIS COMPANY REGARDING THIS DEBT ALTHOUGH THEY SEEM TO HAVE ALL MY DEMOGRAPHIC INFORMATION UP TO DATE. TODAY, XX/XX/XXXX WE RECEIVED VIA EMAIL, AS REQUESTED, A COLLECTION LETTER WITH TODAY 'S DATE WITH A TEXAS ADDRESS ALONG WITH THE SAME AGREEMENT SENT YESTERDAY AND A DOCUMENT SIGNED BY A CEO AUTHORIZING THIS COMPANY TO COLLECT A DEBT WHICH DOES NOT SEEM OFFICIAL AND DOES NOT REPRESENT A COPY FROM THE COLLECTION LICENSE PROVIDED BY DACO ( CONSUMER AFFAIRS DEPARTMENT IN PUERTO RICO ). ALSO, THEY HAVE BEEN CALLING ALL NUMBERS NON-STOP THROUGH DIALER SYSTEMS AFTER I'VE REQUESTED TO STOP ALL CALLS. THEY ARE ALSO REFUSING TO CONTACT MY AUTHORIZED REPRESENTATIVE ALTHOUGH I HAVE ALREADY REQUESTED THAT ALL COMMUNICATIONS MUST BE DIRECTED TO HER. I CAN NOT BELIEVE THERE ARE STILL COMPANIES THAT MAKE BUSINESS THIS WAY, THREATENING CONSUMERS AND MISREPRESENTING THEMSELVES AS WELL AS PROVIDING ERRONEOUS INFORMATION.

Company response to consumer: Closed with explanation