Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a text message with my name a case number and it stated that a 45 day notice was issued on XX/XX/XXXX ( attached image ), my sister also received the same text with my name at XXXX XXXX. I called the number and asked who was the company contacting me the person immediatly hung up the phone. I called right back and asked again I provided the case number and the representative known as XXXX XXXX stated the case was for XXXX XXXX, I then stated that was not what the text I received stated and he then asked me for the case number again, I provided it and then he came back saying that he was with XXXX XXXX XXXX representing SunUp Financial who were suing me for non payment on my debt. He said they were contacting me at which I stated I received no contact from this company, we then found out they had the wrong address on file but they had the correct email and phone number but only contacted me by mail. He then stated that they were suing me and if this was something I wanted to resolve which I stated of course if i had gotten the communication I would have. He told me the balance which was {$3300.00} and asked how much i was willing to pay and we came up with a payment plan which he took to his higher ups and stated he would see if there was a court date on file and provide them with the plan. He came back stating there was no court date filed and that they accepted the plan and that I had to have a card on file which I provided and then later I received an email to sign with the documentation. Upon receiving this email I realized what account this was for. This account is an old account that I previously was on a payment plan for with another company. In South Carolina, there is a statute of limitations for suing of debt of 3 years based on most recent payment and date of original due date. The last time I made a payment on this account was XX/XX/XXXX which would mean the statute of limitations was XX/XX/XXXX, it is currently XXXX. I have provided proof of these payments and the original agreement with the other company. I do not have a problem resolving the debt but Im complaining because of the actions this company has taken. There were no attempts to call me or even email me about this debt, I did not even receive correspondence that the debt was sold again. I had no information about this besides 3 years ago and can no longer access the information on the original website. I also do not like the threat of suing me as the 45 day notice was up on the XXXX of XXXX and I had received no documentation and there was no court filing or calls or anything as stated I dont mind repaying the debt. Also the balance of the debt has significantly increased since being charged off as you can see from the current balance and the balance from the first debt collector and with the first debt collector i had paid {$490.00} of the balance.

Company response to consumer: Closed with explanation