Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: OK

Complaint narrative:
In XX/XX/XXXX a third party debt collection company called Vance and Huffman llc acquired a debt from snap finance that had already been satisfied. There was no validation of debt, no contact with me but it was placed on all three credit reports as a new debt to original creditor named Vance and Huffman LLC for the full original amount of a little over XXXX dollars. Contacted them but they would not talk to me about this sent certified letters demanding removal from credit reports. It was removed from XXXX but the third one remained in place with a letter to me stating this was a valid debt. After a year of getting no where I filed a small claims case in XXXX XXXX Oklahoma XXXX where I won an judgement in case number XXXX after Vance and Huffman failed to appear or be represented in court after being duly served via certified mail. I received a judgment in my favor of XXXX dollars with a 9.5 % interest rate payable imidiantly. I sent the judgement to Vance and Huffman and gave them 30 days to comply I was quickly contacted by an attorney XXXX XXXX claiming she was representing Vance and Huffman and was offering me the opportunity to pay less XXXX to Vance and Huffman on the debt in XXXX of them having the judgement set aside. I declined this as I had a judgement stating they owed me not me owing them. I then recieved a reply stating they were prepared as a good business decision to pay me a lesser amount again stating if I did not accept they would have this set aside and seek legal action on the debt. I again declined and looked up this attorney on the XXXX website site and Oklahoma XXXX website and found she is not authorized to practice in Oklahoma ( where debt occurred and law suit was filed ) or PA ( where Vance and Huffman are located. ) I believe she was acting outside her legal boundaries in accordance with model XXXX of the XXXX and title XXXX chapter XXXX appendix XXXX of Oklahoma law possibly under the guidance of Vance and Huffman. I then sent a formal demand for payment but it has never been satisfied and the time allotted has passed. It has now been in access of 60 days since the court judgement was rendered. The amount now owed with interest is approx XXXX I have not added any late fees at this time. As of today XX/XX/XXXX I have had no response from Vance and Huffman or their alleged attorney. I have been able to get this off my credit report but have not received monies owed. It seems strange Vance and Huffman a legit collection agency can break so many rules and laws has had so many lawsuits against them for same issues. Can seemingly try to avoid a valid judgement against them violating the sanctity of the court, ignoring the laws in place for their profession, and dishonoring a judges decision. In essence they have undermined the entire legal system. Yet they can still operate as a business taking advantage of those who do not have a clue of the FDCPA and FDCRA as a minimum.

Company response to consumer: Closed with explanation