Consumer complaint received 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC
State: MA

Complaint narrative:
Fundo LLC has engaged in deceptive, fraudulent, and illegal debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and other consumer protection laws. They have harassed me, provided misleading information to third parties, manipulated financial institutions into interfering with my accounts, and refused to verify the debt despite multiple requests. 

Their fraudulent and unethical conduct is part of a larger pattern of abuse, as evidenced by numerous consumer complaints against them on the XXXX XXXX XXXX  ( XXXX  ) and online forums. I demand that Fundo LLC be fully investigated for their violations of federal and state laws, that all collection attempts cease immediately, and that they face the appropriate penalties for their actions. 

Despite multiple requests for verification, Fundo LLC has failed to provide : A contract bearing my wet signature proving that I agreed to any financial obligation with them. 
A legally binding agreement linking me personally or my business to the alleged disbursement. 
Bank records confirming that I ever received, accessed, or benefited from these funds. 
Instead of following legal procedures, Fundo LLC has engaged in deceptive and unlawful tactics to pressure me into paying an unverified debt. These tactics include misrepresenting their legal authority, interfering with third-party financial institutions, and fabricating claims of legal action. 

Fundo LLCs actions are in direct violation of federal and state consumer protection laws, and I request an immediate investigation into their business practices.

Core Allegations Against Fundo LLC Fundo LLC Engaged in Fraudulent Third-Party Interference Fundo LLC provided false and misleading information to financial institutions such as XXXX  and XXXX, resulting in my earnings being affected. 
They had NO legal right to interfere with my financial accounts, yet they deliberately misrepresented their authority to these companies. 
They falsely implied they had a court-ordered garnishment or legal right to seize funds, which was a complete lie. 

Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Prohibits false, deceptive, and misleading representations by debt collectors.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 Prohibits unfair, deceptive, and abusive acts or practices.

Fundo LLC Manipulated & Inflated Debt Amounts Fundo initially claimed I owed over {$5000.00}, but when pressured, they offered a settlement for just the original principal amount.

This proves their debt amount is arbitrary and inflatedif it were legitimate, they would not reduce it so drastically. 
They fabricated charges such as a {$1500.00} default fee and a {$250.00} UCC fee, then later removed them when questioned.


Legal Violations : FDCPA 15 U.S.C. 1692f Prohibits collection of any amount that is not expressly authorized by the agreement.

FCRA 15 U.S.C. 1681s-2 Prohibits furnishing false or misleading information about a debt.

Fundo LLC Filed an Illegal UCC Lien to Intimidate Me Fundo filed a fraudulent UCC lien against my business, which was later disputed with the Wyoming Secretary of State.

A UCC lien does NOT give them enforcement power, yet they weaponized it to harass and intimidate me into paying.

Their own correspondence proves they used this lien to pressure third parties. 
Legal Violations : Unfair & Deceptive Trade Practices ( FDUTPA Florida Law ) FDCPA 15 U.S.C. 1692d Prohibits harassment and abusive tactics in debt collection.

Fundo LLC Failed to Verify the Debt Despite My Repeated Requests They never provided a contract with my wet signature. 
They never proved the disbursement was deposited into an account belonging to me. 
They ignored my previous demand for debt validation, which is a direct violation of the FDCPA. 
Legal Violations : FDCPA 15 U.S.C. 1692g Requires debt collectors to provide verification upon request.

FCRA 15 U.S.C. 1681i Requires proper investigation of disputed information.

Fundo LLCs Pattern of Abuse & Consumer Complaints Multiple consumers have reported Fundo for the same abusive practicesfraudulent loans, harassment, illegal fees, and deceptive contracts.

XXXX  complaints confirm Fundo has a history of scamming borrowers with predatory collection tactics.

This proves they are a repeat offender, not just a single bad-faith case.

Company response to consumer: Closed with explanation