Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
On XX/XX/2025, an individual came to my home to deliver documents related to a lawsuit concerning a XXXX Bank debt. I was not home at the time, as I was at work. My brother, who lives with me, answered the door. 

My brother informed the individual that I was not available and asked if he could return later that day or the following day when I would be home. The individual refused and stated that he would not return. He told my brother that he was there to serve me with a lawsuit and that by leaving the documents with him, I was now made aware. 

The individual then disclosed to my brother that the matter involved a debt collection for XXXX Bank and proceeded to show him the documents. These documents contained my full name, the debt amount, and account statements. He informed my brother that all I needed to do was contact RasLavrar who is handling the matter within 20 days to set up a payment plan and that the problem would go away. 

My brother expressed discomfort and requested that the information be provided directly to me instead. The individual refused, threw the packet on the ground in front of my brother, and prepared to leave. At that point, my brother asked him, Is that how your company does business? The individual responded, Yes, that is how we do it here, and then left. Other family members inside the home overheard the interaction. 

Before leaving, the individual wrote the date and time on the front page of the packet and indicated that I had been served at that time, despite being informed that I was not home. I can provide documentation confirming that I was at work during that time, if requested. 

When I returned home, my brother informed me of what had occurred. I was extremely embarrassed and distressed that my personal financial information was disclosed to a family member without my consent. The packet left at my home contained sensitive information that I believe originated from Ras Lavrar and XXXX Bank. 

I want to be clear that I understand this debt is my responsibility, and I am not disputing that I owe it. I have acted in good faith to resolve this matter and have attempted to communicate with Ras Lavrar to reach a settlement arrangement. However, the manner in which this situation was handled was unnecessary, unprofessional, and deeply distressing. 

This situation could have been easily avoided. The individual could have returned when I was home, left a voicemail, mailed the documents, or contacted me directly. Instead, my private financial information was disclosed to a third party, which caused significant emotional distress, anxiety, and humiliation. 

Following this incident, I contacted Ras Lavrar multiple times in good faith to resolve the matter. I received inconsistent and conflicting information from different representatives and received no responses to my emails. This experience has further contributed to my concern regarding their practices. 

I waited to file this complaint because I was fearful of retaliation and wanted to attempt to resolve the matter cooperatively. However, the conduct described above has left me with no choice but to seek regulatory review. 

I respectfully request that XXXX Bank and Ras Lavrar review this matter, respond to this complaint, and provide appropriate remediation. No consumer should experience intimidation, third-party disclosure, or humiliation in the course of attempting to resolve a debt. 

Going forward, I am requesting that all communication from Ras Lavrar and XXXX Bank be made in writing only, either by email or XXXX XXXX Both companies have my correct contact information. I do not consent to telephone communication regarding this matter. This request is made to ensure clear, accurate, and documented communication moving forward. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation