Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
This debt ( creditor upgrade ) stems back to pre XXXX. Covid hit and I applied for hardship, I was granted it for so many months at half payment. I dont remember the amount of the number of months. Then in XXXX of XXXX I lost vision in my right eye and was not able to work for more than 6 months. I applied for the hardship again and was denied again. I was somehow able to make payment up until XX/XX/XXXX ( with many payments being late ) if it was even 1 day late they would call me at all hours with sometimes being early morning or late evening. They also called me when i was at Dr appts and would not stop shouting at me and one of the calls i was told " we know where you live and we will get our money even if that means having you arrested '' That was my last payment made to upgrade. In XX/XX/XXXX I signed up with a debt resolution. attorney and they took it from there. I participated in that program for 11 months and they were A ) working too slow B ) credit was just as bad as if I didnt pay and I was still be harassed. XXXX never tried to communicate with me via email, text or usps even after I quit the debt negotiation service. So I was under the assumption that was one of the accounts that the debt resolution co solved. I never heard from upgrade again. They charged off the account in XXXX of XXXX, even though I was working with the debt negotiation law firm at the time. So not understanding how the whole thing worked I thought it was part of the negotiation. I never heard anymore. Fast forward to XXXX. They served my mother with the first summons. So she found out about the debt before I did. I was so embarrassed. I believe that was XXXX or XXXX of XXXX. Then in XXXX the deputy came to my door to serve me a paper, in my maiden name, from Velocity Investments. I had no idea who that was, and the paper said that the original debt was owed to XXXX XXXX XXXX XXXX  Again, no idea who it was. I had to research it to find out what company was hiding behind that name. I found out and only then that it was upgrade. Never recieved any mail from Velocity Investments, or XXXX XXXXXXXX XXXX  XXXX. I even had my mail forwarded from my previous address. There were many issues with the way they went about this., first being less than 3 months late, it should not have been charged off. The would call me three, four and sometimes five or more times a day. The calls were harassing and threateneing, inconsiderate times of day, weekends while at church, early mornings. They embarrassed me with having my paper served to my mother and her learning of my business, also not allowing me to know who the original Creditor was. They said it was XXXX XXXXXXXX XXXX XXXX which is no where near nor even relates to upgrade. I am filing a complaint on all these violations and I am looking to secure an attorney to countersue for these unfair practices

Company response to consumer: Closed with explanation