Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
They had not disclosed or informed me of any information regarding my collateral and other payments of processing fees and other such payments that included a different amount splitting my deposit into many different payments to make me the consumer have to pay more fees to activate and lower my collateral to XXXX without knowledge or consent after requesting to close the account and use my deposited money as collateral they had refused and stated that I did not have collateral. At this point, COvide had struck my financial stability, and was not able to subsequently make timely payments even though I had requested to close the account and use my deposited money as payment for the remainder of the amount due which would cover the balance and recover 50 % of my deposited money. 
These are the transactions in which they had not also provided specific information to manipulate and that there would be no findings I was trying to build credit and I was target consumer like many others like this company. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : negative XXXX dollars ( {$80.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX dollars ( {$100.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX Amount : negative XXXX  dollars ( {$40.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$280.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$290.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$280.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : negative XXXX XXXX dollars and XXXX XXXX cents ( {$78.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$180.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$240.00} ) This dropdown has 3 items. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$290.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX  dollars ( {$40.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$290.00} ) This dropdown has 3 items. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$120.00} ) This dropdown has 3 items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount : negative XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$200.00} ) This dropdown has 3 items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX dollars and XXXX XXXX cents ( {$90.00} ) This dropdown has 3 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$230.00} ) This dropdown has 3 items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$190.00} ) This dropdown has 3 items. 
Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Type : Debit XX/XX/XXXX XXXX POS SIGNATURE XXXX XXXX XXXX Amount : negative XXXX XXXX dollars ( {$47.00} )

Company response to consumer: Closed with explanation