Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
On the afternoon of XXXX XX/XX/2024 I, my wife, and mother, received calls from a company stating their name was " XXXX '' informing me they were under contract to find me to help serve me with a debt collections lawsuit pursuant to a bad debt from Zoca Loans doing business as Rosebud Lending. 

I filed a report with the XXXX XXXX Sheriff 's Office ( XXXX, TX ) Report Number XXXX XXXX XXXX Sheriff 's Office XXXX XXXX XXXX XXXX, Texas XXXX Report Number XXXX I am XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, TX ( formerly XXXX XXXX, TX ) and was part of the XXXX XXXX XXXX XXXX hack several years ago as well as XXXX. I have multiple fraud alerts on my credit and immediately checked XXXX, XXXX, and XXXX and did not see Zoca Loans or Rosebud Lending. I executed internet searches for Zoca Loans and Rosebud lending and called them to explain this loan was obtained using fraud and I did not enter into this contract. 

A service representative reportedly named XXXX stated they would not engage me despite my assertion this was fraud and I had never contacted Zoca Loans or Rosebud Lending before. XXXX stated Zoca Loans did not check credit and issued an {$800.00} loan under my social security number and sold the debt to XXXX XXXX XXXX in Florida and XXXX Loans would no longer communicate with me or help me resolve the issue because they sold the fraudulent debt to a debt collector. 

National Debt Holdings Certification Number : XXXX XXXX XXXX XXXX XXXX XXXX Certification Number : XXXX Phone XXXX ext XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Suite XXXX XXXX XXXX, FL XXXX Zoca Loans states it does not check credit and as a member of the US Military I am at risk for ID theft. I place alerts on my credit however Zoca Loans advertises it does not check credit and simply releases funds. https : //www.zocaloans.com/en/faq/ # contact-us-section Zoca Loans stated XXXX used a phone number I do not recognize to verify me XXXX Zoca Loans stated it used an email I have never used to verify me XXXX I called XXXX to find out if how XXXX can access this email and they will not allow me to access this email. 

Zoca Loans stated they transferred the funds to a bank I have never heard of and the bank states there is no record of my social security number of file for any account ( Rep XXXX XXXX at XXXX - XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank in NY and the XXXX XXXX. 

I did not apply for this loan. I did not submit identification for this loan. I did not consent for my information to be used for this loan. This is fraud and I believe this is a crime. I did not sign any document a reasonable and prudent person, business, or trained loan underwriter could assume is permission to tie me to this debt. Neither business entity can produce my legitimate email, my legitimate phone number, my signature, my banking information, or anything about me. This is fraud.

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