Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FRIC HOLDING CORPORATION
State: DE

Complaint narrative:
To whom it may concern, I am attaching all information regarding the fraudulent debt, improper service and defamation of character as it relates to XXXX XXXX XXXX / XXXX XXXX. I have no debts in collection at this time and all three of my credit reports are clean. This is an invalid debt from a XXXX credit card from XX/XX/XXXX that was removed from my credit report in XX/XX/XXXXdue to Statute of Limitations. It looks as though they tried to reset the debt in XX/XX/XXXXand have been mailing me throughout the years and sending lawsuit paperwork which I know is a scam.
When I tried to contact XXXX XXXX XXXX they harassed me and were extremely rude and even when I stated this was illegal and it is an invalid debt they have continued over the years to mail me more paperwork. At first I thought it must have been an identity theft since I had been robbed but it turned out it was an invalid debt that was over the statute of limitations.
I tried to send a certified demand letter stating the debt was invalid in XX/XX/XXXX but it went nowhere and the letters continued to come.
Currently as of XX/XX/XXXX they placed a hold on a joint XXXX  account in XXXX and have stolen {$45.00} and have caused my life to be in ruins. I moved XX/XX/XXXX to XXXX due to a XXXX called XXXX XXXX and am unable to work.
It is my hope that we have XXXX XXXX XXXX and XXXX XXXX put out of business for this illegal behavior and all Lawyers disbarred who work at their fraudulent firm. I think they should be imprisoned for these frauds.
As the attachments will show they have been stalking me for years via mail and I used to get harassing calls as well. I suffer from XXXX distress due to years of their mail and harassment and have never been able to enjoy my quiet and peaceful enjoyment of life, so they are directly violating my Consumer and Civil Rights for the last seven years.
I had a professional help me clean my credit report in XX/XX/XXXXwhen I was applying for an apartment and was being charged over {$2000.00} for a deposit for a studio apartment rental since my credit was not good. He told me and wrote on my reports that almost all my debt was 'XXXX ' and told me about the Statute of Limitations. It was then that I learned about time barred debt and we disputed all the items and they were cleared off my credit reports.
I even have the charge off letter from XXXX XXXX from XX/XX/XXXX, see attached. I am livid to find out this fraudulent company can steal from a XXXX person and ruin my life and credit.
I was improperly served on XX/XX/XXXX by the XXXX County Police Department and never got paperwork showing I was served. I moved out of California on XX/XX/XXXX so I am stunned they were able to steal {$45.00} from our joint XXXX  checking account and place a hold on it stating I owe {$3000.00} for an invalid debt. They even had a judge sign off on this bogus paperwork, so now I am disgusted how far this scam has gone. I called the XXXX  Court to follow up with why they would improperly serve and sign off on a fraudulent debt and all I got was a bunch of lip service. Seems like everyone is corrupt and nobody is accountable. They were extremely rude and informed me they can not give legal advice so I knew it was a matter for the CFPB to help me.
My husband and I are very concerned they will steal from us again and are hoping to resolve this and get our money that was stolen back as quickly as possible. In XX/XX/XXXX they also sent a wage garnishment to my ex employer after I was not working there which was defamation of character.
Attached are all of the correspondence from XXXX XXXX XXXX / XXXX XXXX from over the years and my past credit reports which show there are no collections on my credit.
I appreciate your help in resolving this horrific situation. My life has been ruined from a bureaucratic nightmare and I am currently filing for XXXX which is pending and unable to survive, so XXXX XXXX XXXX XXXX XXXX XXXX steals from XXXX people and they should be held accountable for their many illegal actions and shut down. They stole my last {$45.00} and have jeopardized my family 's well being.
Please contact me with any questions. I have proof on my current and past credit reports that I can prove but did not wish for the XXXX XXXX XXXX and XXXX XXXX to see those documents as they have invaded my life enough. If you need these documents please advise. I did include the Social Security documents to prove that they are stealing from the XXXX which is an even more disgusting crime.
Thank you,

Company response to consumer: Closed with explanation