Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwood Financial, LLC.
State: IN

Complaint narrative:
CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY XXXX XXXX WHICH DIRECTLY CONTRAVENES 15 USC 1666b. 

I am XXXX XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that XXXX XXXX has given not only my personal information as well as financial information to a third party. XXXXXXXX XXXX XXXX XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassmentXXXX XXXX panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be XXXX XXXX. 

I have not had an account with XXXX XXXX since XXXX and XXXX XXXX along with their debt collectors continue to harass me and my loved ones. XXXX XXXX was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing XXXX  like they dont understand XXXX XXXX XXXX  revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner XXXX XXXX? Where Is the proof of assignment because I did not contract with Southwood Financial trust I or their XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an XXXX  in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to XXXX Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX XXXX XXXX When was I told that I would be doing business with XXXXXXXX XXXX and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If XXXX XXXX was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from XXXX XXXX. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. XXXX XXXX XXXX  is obligated to pay because it XXXXXXXX XXXX isnt me! Which is why as mentioned in XXXX XXXX validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where XXXX XXXXXXXX does it say pay? 

They are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. 
- https : //www.consumerfinance.gov/XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the XXXX Southwood Financial Trust TWICE as well as their partners and they could give me nothing but the same trash packet that XXXX XXXX gave. XXXX XXXX kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? 

Could you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage? 
Could you provide all GLBA disclosures? 
Could you provide 1099c if applicable or any other tax forms filed in connection with this account?

Could you provide the itemization date?

Could you provide the Proof Required disclosures that were sent?

Could you provide All account notation and call logs?

Could you provide copies of documentation sent to the consumer and all reg F applicable disclosures?

Could you provide the date of first delinquency? 
Could you provide what executive level officer or board member who retained you? 

Cause who retained you? I XXXXXXXX XXXX did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the SSA89 at because I XXXXXXXX XXXX did not sign or authorize for you to use any of my social information. So did you even verify who I was or you XXXX my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my XXXX  father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see XXXX XXXX XXXX XXXX XXXX. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends XXXX XXXX Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE 3 IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? 

I AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. 

CFPB please investigate this matter thoroughly as it is ruining my life and mental health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation