Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
Negative item appeared on my XXXX report for {$350.00} from Debt Recovery Solutions. I have no knowledge of this debt. I called ( XXXX ) XXXX, the number provided by XXXX, and spoke with a heavily accented XXXX  woman. She stated this was far a loan from XXXX XXXX. I stated I did not have a loan with them. She stated I would have to file a report with the police. Kept trying to end the call. I told her I needed the loan details in writing and she stated she had already sent them on the 2nd and I needed to be patient. I recorded this consecration.

I think checked my emails and I have received multiple scammy type emails citing XXXX XXXX  as the source of a loan. The amounts differ outrageously and all threaten a lawsuit, state a warrant is pending and that my credit and job were in jeopardy. One of the emails is below. Please assist in this matter.

DOCKET LOAN REFERENCE ID # XXXX ( URGENT ATTENTION ) Dear XXXX XXXX, SSN : XXXX  Good morning, DOCKET ID # XX/XX/XXXX/DUE Complaint # XX/XX/XXXXTUESDAY/XXXX ATTENTION DEBTOR : Company Name : XXXX XXXX XXXX Group of Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.

This is in reference to your Account number # XXXX in order to notify you that after numerous effort, we were not able to get hold of you, so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.

Do revert back if you want to get rid of these legal consequences and make a payment arrangement within the next 72 hours or else we would be proceeding legally against you.

And this also will be notified to your employer about the case. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

You can revert us back so that we can send you the payment remittance form instantly in our next e-mail as well.

If you failed to pay the requisite amount within the stipulated time intervals, we'll be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and our references regarding this issue and the law suit will be the next step which will be amounting to {$6500.00} ( excluding Court and ffidavit charges ) that will be totally levied upon you and that would be excluding your attorney charges, i repeat. Creditors-XXXX XXXX XXXX which is a parent company of more then 400XXXX websites and internet web portals in USA and operates under different names in different states.

Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job.

Through an IRS ( Internal Revenue Service ) your social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold.

Any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case.

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won't be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance that if you just make a payment within 48 HOURS of this e-mail then we will close this account as paid in full with XXXX balance.

We do hope that you will work out with this offer whichis of SETTLEMENT AMOUNT : {$500.00} NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

XXXX XXXX XXXX Monday - Friday : XXXX XXXX. to XXXX XXXX  ( EST ) Saturday : XXXX XXXX to XXXX XXXX ( EST ) Sincerely, XXXX XXXX ( Customer service ) NOTE : THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.

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Company response to consumer: Closed with explanation