Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Below is email I was directed by municipal court to send to judge at municipal court and XXXX XXXX, law firm who is representing CKS Prime investments ( the collector of XXXX  balance ) : I havent received responses back from voice mails left with javitch block and cant find accurate number for CKS Prime, it would appear to me that CKS has not received the last 4 payments I submitted from in agreement of monthly payment plan and entered a judgment against me, confirmed verbally for me today by clerk of court : Attn Clerk of Court/Judge : I am in receipt of Journal entry of judgment from XXXX XXXX XXXX stamped received by court on XX/XX/XXXX. I contacted the court clerk on yesterday, XX/XX/XXXX, to confirm that there is actually a judgment entered in my name and it was confirmed. 

Regarding my case, CKS Prime investments vs. ( my name ), I initially received notice in late XXXX of CKS ' intention to file judgement via XXXX XXXX through summons. I contacted XXXX XXXX by phone on XX/XX/XXXX ( i.e the start of the payment plan which I was verbally informed over the phone was accepted and requested to pay XXXX deposit with my payment plan commencing on that day ). 
From there I was expected to make a payment of {$120.00} each month by the XXXX, with 5 day grace period all of which I received confirmation of in writing about a month later. I paid XXXX payment of XXXX on XX/XX/XXXX via phone representative at XXXX XXXX. XXXX and XXXX payments were each paid on the XXXX of each month thru XXXX XXXX online payment portal in which I am able to view my information once I enter my file number ( not included ). I am not even able to submit less than the payment amount agreed upon. On XX/XX/XXXX when I made the payment, my current balance of {$820.00} was reflected and once I made the payment my current balance of {$700.00} remaining reflected so Im puzzled as to why I still owe {$1100.00} ...? 

This amount ( {$700.00} ) would be correct considering the beginning balance, also reflected on the attached summons received in XXXX, was XXXX ... ... in XXXX when I started payment plan. The journal entry that I received yesterday reads there was a judgment granted to CKS against me in the sum of {$1100.00}. which was my beginning balance. It appears I've received no credit for the {$400.00} worth of payments I've made on this account since XXXX ... ... ..Im wondering if my payments were forwarded by XXXX XXXX and if so, did CKS suffer some sort of cyberattack and didnt received payments? Other than that, I would need an explanation as to what happened. I contacted XXXX XXXX 3 times today each time being prompted to leave voice mail, none of which were returned today, the last voice mail was left for a manager named XXXX. I attempted to contact CKS twice from numbers that were located through XXXX search and the 2nd number was to XXXX, the rep said they handle collections for several agencies and I have to XXXX CKS payments. She declined to provide the number but CKS payments led me to a number in which I never received an answer in 20 minutes and then was disconnected. I have a feeling that this judgment has already affected my credit, not understanding exactly when entered because 2 weeks ago I received a denial of credit and the reason noted was that there was recent judgment entered on my record ... ..I am sending this report to the Consumer Protection Agency ( federal agency ). 

( Signature Deleted )

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