Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TESORO FINANCIAL, LLC
State: TN

Complaint narrative:
Parties involved ( all names used ) : Solutions Finance of XXXX ( a/k/a Solutions Finance of Tennessee , Inc. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX counsel XXXX. 

Court cases tied to this conduct : XXXX ( XXXX ) ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Likens ) and XXXX ( Solutions Finance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. 

Beginning XXXX XXXX the companies and their counsel used confusing/incorrect business names and a purported merger to collect on a consumer loan without first providing a sworn, itemized account or proof of assignment/authority. They then filed defective civil summonses that were pre-stamped FILED before service, provided no sworn affidavit of indebtedness, and ( per the Clerks email ) had no service return on file when judgment/enforcement were pursued. I was served only 11 days before a hearing, with no prior validation from counsel. We objected immediately and later filed verified emergency motions in both cases to quash and vacate as void ab initio ( jurisdictional/process defects ). 

Key dates ( anchors ) : XX/XX/year> Merger letter sent XXXX Solutions XXXX XXXX XXXX XXXX ). 

XX/XX/year> Welcome packet mailed the same day counsel filed first civil action against spouse. 

XX/XX/year> Registered debt-validation demand ( XXXX ) ; delivered XX/XX/year>. 

XX/XX/year> Validation packet received with undisclosed PAY TO THE ORDER OF/ ASSIGNED TO XXXX XXXX XXXX  stamp on a photocopy ; no chain of title. 

XX/XX/year> Notice of Default/Opportunity to Cure sent ( XXXX ) ; delivered XX/XX/year>. 

XX/XX/year> Civil summons pre-stamped Filed ; later served XX/XX/year>. 

XX/XX/year> Clerk email confirms no service return on file. 

XXXX Our verified emergency motions ( with Exhibits AK ) fax-filed and logged by Clerk in XXXX ; parallel motion filed for XXXX. 

Why this is deceptive/unfair : FDCPA : No prior validation ( 1692g ) ; misleading identity/authority/merger and dual-name usage ( 1692e ) ; unfair litigation to collect without standing or sworn account ( 1692f ).

UDAAP : Confusing brand/DBA use and assignment claims likely to mislead a reasonable consumer.

Tennessee context ( for routing ) : No sworn account ( T.C.A. 24-5-107 ) ; GS-CV warrant/return defects ; caption/identity mismatches ; pre-stamped filing before service.

Evidence available ( already filed with the court ; copies on request ) : Exhibits AK : defective summons ; Clerk emails ; merger/welcome letters ; USPS registered mail proofs ; the PAY TO THE ORDER OF/ ASSIGNED TO First XXXX Bank page ; TN SOS and D-U-N-S lookups showing DBA/name inconsistencies ; time-loss log ; BPR info for counsel ; and caption/number inconsistencies between judgment/writ. 

This conduct caused time, expense, and emotional distress to my family and business, and it forced us to prepare verified court filings to stop an unlawful default and garnishment process.

Company response to consumer: Untimely response