Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SACOR FINANCIAL, INC
State: CA

Complaint narrative:
On or about XX/XX/XXXX-XX/XX/XXXX, I received a call from XXXX XXXX XXXX, a collection agency telling me that I owed about {$11000.00} on a XXXX XXXX Visa Card purchase. I told the collection agent, that I did not make any purchase from XXXX XXXX, and that if such purchase was made in my name, it was certainly as a result of fraud, and I asked the collection agent to send me the verification of debt document : copy of the purchase receipt, and the signed delivery receipt to verify the name and signatures on the purchase. The agent told me that the debt is in my name, and that they will attach my home if I did not pay the debt. I did not receive the verification of debt document. 

Then in XX/XX/XXXX I received a call from Mr. XXXX XXXX of Sacor Financial Inc, a debt collection agency, who told me he was trying to collect a debt I owed to XXXX XXXX, and that XXXX XXXX had obtained a judgment against me on the account. I told Mr. XXXX that the debt was a fraud, and that I disputed the debt as a fraudulent debt with XXXX XXXX. I again asked Mr. XXXX to send me the verification of debt documents such as : the original purchase receipt, and the signed, proof of delivery receipt. Mr. XXXX told me that Sacor does not have those documents on file, and that he can not get the document. I asked Mr. XXXX to get the documents from XXXX XXXX, XXXX XXXX, or XXXX XXXX. He did not, and I never heard from him again. 

Then, on or about XXXX, I received a call from Mr. XXXX XXXX of Sacor Financial,  who said he called to collect payment my XXXX XXXX debt. I again told Mr. XXXX XXXX that the debt was fraudulent. That I did not make any such purchase from XXXX XXXX. I again asked Mr. XXXX XXXX to send me the verification of debt documents. Mr. XXXX told me they don't have it on file, and that they can not get it, because XXXX XXXX was closed. I then asked Mr. XXXX XXXX to get the documents from their principal. That was the last time I hear from Mr. XXXX XXXX or Sacor Financial. And I did not get the verification of debt document. 

Then about XX/XX/XXXX, I received a letter from Mr. XXXX XXXX of Sacor Financial, demanding that I make payment arrangement of this disputed, and fraudulent XXXX  XXXX debt. This time, Mr. XXXX XXXX, told me that the XXXX XXXX Visa account, was a " joint line of credit account '', branded through XXXX XXXX, and that they have attached my home in the amount of {$69000.00} includes interest and court fees. Mr. XXXX XXXX, threatened to enforce a court judgment against us on this disputed, fraudulent account. 

I replied and told Mr. XXXX XXXX that the account was fraudulent, and was not a " joint account '' with my wife. I suspect that Sacor Financial may have illegally converted the " individual account '' to a " joint account '', in order to attach the home, that I own with my wife as joint tenants. I again asked Mr. XXXX to provide me with the debt verification documents, listed above. He did not. Instead, he sent me a copy of my XXXX credit report and copy of the court judgment obtained against me on this, illegal, disputed, fraudulent debt. 

XXXX XXXX and Sacor Financial, side-stepped my legitimate claim of identity theft and fraud on the XXXX XXXX account. They also ignored my request for debt verification document, because I am a home owner. They think they can illegally attach a lien to my home, and force me to pay for a debt I did not create, nor derived any personal benefit from. I don't know if XXXX XXXX   or Sacor Financial misrepresented the debt information to the Court, and I don't remember receiving a Court summons for the case. 

I believe my Visa Credit Card fraud protection clause protect me and all credit card holders from all illegal, unauthorized and fraudulent purchases, and that the statute of limitation protects me from this very, very old collection account, that has run from XX/XX/XXXX-XX/XX/XXXX.. 

That is where we are on this abusive, high pressure, debt collection. I just want to end this fourteen year debt collection ordeal. It has been nothing but XXXX and nightmares dealing with this same issue, because, someone thinks they can illegally, convert a known fraudulent debt into a lien, and illegally, slap the lien on my house.

Company response to consumer: Closed with explanation