Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX RAS LaVrar 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards ending in XXXX, XXXX, XXXX and XXXX. XXXX has assigned separate case numbers for each XXXX credit card account as set forth in my attachments. Pursuant to attachments, based on my papers and dates received, XXXX set the deadline of XX/XX/XXXX for XXXX to respond and Answer to each of my separate claims further acknowledging that The Consumer has met the filing requirements regarding their filing fee ( in each of the XXXX cases ). The Business has paid {$0.00}. {$600.00} is now due from the Business ( for each of the XXXX cases ). Your attached letter references my request for arbitration and included a blank form to file arbitration demands to XXXX. As you know, I have been demanding for about a year that disputes be resolved in arbitration pursuant to XXXX XXXX provisions requiring XXXX to arbitrate as its sole dispute resolution remedy. I finally filed my own XXXX  consumer demands on XXXX XXXX XXXX  when it became evident that XXXX  would not file its claims with XXXX as required. XXXX should promptly pay the required {$2400.00} or {$600.00} for each of the 4 cases plus the huge arbitrator fees for IN/PERSON hearings demanded in XXXX to avoid issues. Moreover, XXXX is limited to filing counterclaims with XXXX and paying additional XXXX filing fees for counterclaims. Since XXXX legal department has been dealing with my 4 XXXX assigned cases with its assignment of counsel, I have deleted exact sensitive XXXX case filing numbers to maintain confidentially and prevent communication with XXXX except by counsel selected by XXXX legal department. I interpret your including a blank XXXX form to file for arbitration as an acknowledgment that litigation is prohibited once I have demanded and/or chosen or elected to arbitrate or formally filed with XXXX  Any attempts to litigate will be impossible and fruitless and result in years of court of appeals filings which will certainly ultimately compel arbitration. I trust that you will let XXXX deal with the XXXX XXXX cases without muddying the waters. With your involvement or interference. While XXXX  should have but most likely did not advise you of my XXXX XXXX cases, I feel obligated as a courtesy to disclose the XXXX XXXX filings to you to cut off any defenses if inappropriate action is taken after knowing the existence of XXXX cases. Any inappropriate action by XXXX and its counsel or agents will be brought to the attention of every XXXX arbitrator so it is best to step aside and let the arbitrator decide disputes without making matters worse. I hope you will understand and let the arbitration process proceed without complications and interference. Anyway, thanks for your letter and I hope your client can wake up and try to settle disputes before huge attorneys fees and XXXX and Arbitrator fees accrue. Since I am in poor health with no non-exempt assets or income to garnish, XXXX is wasting its shareholder resources. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation