Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: River Ridge Financial Solutions, LLC
State: CA

Complaint narrative:
This complaint is filed in conjunction with Federal Trade Commission Report # XXXX and under their direct instruction is this complaint filed here & now This complaint consists of nothing-less than a flagrant case of out-right FRAUD being committed against uninformed unsuspecting and nave consumers originally included in a portfolio of charged off XXXX XXXX XXXX payday loans totaling XXXX accounts. 

These consumers are being asked to pay sometimes three times more than what they originally owed under the duress of threat of having a warrant or some type of criminal charge filed against them. In some other cases consumers are being coerced into sign a new promissory for an unjustified amount on same original accounts numbers ( A copy of one such note is attached here with ) These FDCPA violations are being committed by a company holding absolutely no legal right what-so-ever to even be calling these consumers. ( attached herewith is a copy of our work/card and a copy of  their promissory note for the same account ) Approximately 2 months ago we XXXX XXXX XXXX XXXX began to receive calls almost every day from consumers informing us of that company being called : XXXX XXXX XXXX River Ridge Financial Associates, allegedly working out of : XXXX XXXX XXXX, XXXX Ga.XXXX and or : XXXX XXXX XXXX XXXX Ga. XXXX with office # rs XXXX, and XXXX As company conducting the above cited violations Since then we have exhausted all avenues in attempting to communicate in a civilized fashion with this company, regretfully to no avail. It is clear and apparent they hold no regard what-so-ever concerning consumers and their financial wellbeing. Even less about reconsidering their day to day business practices.They have consistently evaded answering any questions related to their illegal acquisition of the our list of accounts. All of their representatives identified here as : Mrs. XXXX, Mrs. XXXX, and Mgr. Mrs. XXXX XXXX, have been in one way or another have consistanly, belligerant, disrespectfully and uncooperative refusing to even engage in a civilized conversation to resolve in a voluntary fashion their Every consumer that has contacted us thus far was fortunate enough to have access to their own credit reports and quickly identified XXXX. XXXX XXXX XXXX XXXX as the data furnisher for their accounts as well as being the legal rightful Creditor for repayment of their loans. We are presently and actively responding to approximately 14 other less fortunate consumers that were coerced into paying these people. And have now filed disputes via XXXX requesting these accounts be removed off their credit reports in-spite of them having paid the wrong party. The final resolution regarding these accounts is pending upon this agencies assistance in action and then instruction in resolution resolve. 

These very same 877 accounts have been and are legally, rightfully being reported to the Credit Reporting Agencies literally ever since XX/XX/XXXX by XXXX. XXXX XXXX , XXXX the sole legally rightful owner and holder of any and all rights, title, and interest regarding these accounts. ( Valid & formal documentation attached herewith ) My Name is : XXXX XXXX XXXX XXXXPresident at XXXX. XXXX XXXX XXXX a California corporation. A Debt Buyer/Collection Agency Ofc:XXXX, XX/XX/XXXX was the purchase date of certain portfolio from Mr. XXXX XXXX XXXX President of XXXX XXXX, XXXX. Working out of XXXX. XXXX XXXX XXXX, Ga. XXXX ofc # XXXX email : XXXX.

Company response to consumer: Untimely response