Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
I am a XXXX XXXX senior whose sole income is protected XXXX. I am filing this complaint against XXXX XXXX regarding my Personal Credit Card ( XXXX ) and the subsequent {$8100.00} judgment ( Case # XXXX ). The bank and its legal agents engaged in predatory lending, bad faith mediation, severe FDCPA violations, and caused documented medical harm by weaponizing local police. XXXX. PREDATORY LENDING AFTER A CEASE & DESIST ( XXXX ) : I issued a verbal Cease and Desist on XX/XX/XXXX ( formally acknowledged in a bank letter dated XX/XX/XXXX ). Despite having this XXXX XXXX XXXX on file and knowing my vulnerable XXXX state, XXXX XXXX proactively raised my credit limit from {$4000.00} to {$6000.00} without my request. They allowed the balance to balloon over {$7300.00}, charging me {$170.00} in interest and over-limit fees in a single month ( XX/XX/XXXX ). They maliciously extended credit to a XXXX, judgment-proof senior. 2. ARMED POLICE INTIMIDATION & SKIP-TRACING ( XX/XX/XXXX ) : Rather than respecting federal law, the bank attempted to " prove me wrong '' regarding my homelessness. In early XX/XX/XXXX, just before serving a lawsuit summons, XXXX XXXX utilized the XXXX Police Department to conduct multiple deceptive " welfare checks '' to investigate my living situation and pinpoint my RV. During one visit, armed officers confronted my brother-in-law with hands on their weapons. I personally went to the police department to report this grave misuse of their officers. XXXX XXXX used local police as private investigators to terrorize my family over a civil debt. 3. ACTUAL MEDICAL DAMAGES ( XX/XX/XXXX ) : Once XXXX XXXX successfully used the police to uncover my exact location, they sent an agent to serve me a lawsuit summons on XX/XX/XXXX, at XXXX XXXX. The extreme terror of this targeted campaign caused immediate physical harm. Timestamped photos of my blood pressure monitor prove that just two hours after service ( XXXXXXXX XXXX ), my blood pressure spiked to life-threatening levels. This acute medical crisis continued for days and was later diagnosed as a series of XXXX XXXX XXXX XXXX XXXX XXXX 4. BAD FAITH MEDIATION & ACCELERATED JUDGMENT ( Mid-Late XXXX ) : My XXXX was officially approved on XX/XX/XXXX, making me legally judgment-proof. In a good faith attempt to resolve this, I submitted a formal Mediation Proposal on XX/XX/XXXX. XXXX XXXX completely ignored my proposal. Instead, they deflected my claims and rushed to quietly record an Abstract of Judgment on XX/XX/XXXX. 5. ONGOING HARASSMENT, IMPERSONATION & POLICE CALLS ( XXXX ) : Even after obtaining the noncollectable judgment, the severe federal violations continued. On or around XX/XX/XXXX, I received a masked phone call where a representative from XXXX XXXX 's legal agent ( Collection at Law , Inc. ) deliberately impersonated a county official to intimidate mea severe FDCPA violation ( 15 U.S.C. 1692e ( 1 ) ). Shortly after this illegal impersonation, on XX/XX/XXXX, I received a call from an actual XXXX Police officer ( XXXX XXXX, whose identity I verified with the department ), proving XXXX XXXX is STILL involving local law enforcement to harass a XXXX senior. 6. FAILURE TO FOLLOW INDUSTRY STANDARDS : I informed XXXX XXXX XXXXXXXX and others of my exact same medical and financial hardship. Every other institution followed federal guidelines, accommodated my XXXX, and charged off the debts. XXXX XXXX is the sole outlier, choosing to risk my life and my family 's safety.

Company response to consumer: Closed with explanation