Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Vinci Law Office, LLC
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, and I reside exclusively at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, where I have lived since XXXX XXXX or about XX/XX/XXXX, Vinci Law Office , LLC ( XXXX XXXX ), representing XXXX XXXX XXXX XXXX, stated they had filed a lawsuit against me in XXXX XXXX XXXX Colorado District Court , Case No. XXXX, Division H, on XXXX, XXXX. The attorneys involved are XXXX XXXX XXXX Colorado Bar # XXXX ) and XXXX XXXX XXXX ( Colorado Bar # XXXX ) .Vinci Law falsely alleged in their complaint and subsequent filings that I reside in XXXX XXXX XXXX XXXX XXXX This is incorrect. I have not resided in XXXX  since XX/XX/XXXX, nor do I have property, employment, or substantial connections there.On XX/XX/XXXX, XXXX Laws process server filed an Affidavit of Service stating that court papers were left with XXXX XXXX. XXXX XXXX is not authorized to accept legal documents on my behalf. Additionally, the XXXX County Courts in XXXX showed that Vinci Laws suit was not filed on XX/XX/XXXX, as Vinci Law stated. Instead, court records for this case showed a filing stamp on XX/XX/XXXX, at XXXX XXXX MT without a case number, etc.Between XX/XX/XXXX and XX/XX/XXXX, I exchanged emails with XXXX XXXX, with XXXX XXXX copied, in which XXXX XXXX repeatedly insisted I appear in person for a court hearing in XXXX XXXX on XX/XX/XXXX, at XXXX XXXX MT. Despite XXXX XXXX XXXX rules allowing remote appearances, Vinci Law threatened that if I did not appear in person, they would proceed without me and seek a default judgment. XXXX XXXX emails conveyed an aggressive and intimidating tone, pressuring me to pay the debt quickly to avoid escalating legal costs.On XX/XX/XXXX, XXXX XXXX sent me an email demanding immediate payment and referencing potential additional attorney fees and costs. She did not acknowledge my Oregon residency nor my inability to travel to Colorado as travel expenses would cost me over {$1500.00}, which is more than the alleged amount owed.Vinci Law also alleges in court filings that they sent me a Notice of Right to Cure dated XX/XX/XXXX. However, Vinci Law has refused to produce any certificate of mailing, certified mail receipt, or other proof showing this notice was ever sent to me. Instead, Vinci Law insists that I prove a negativethat I did not receive this noticedespite their obligation to prove mailing.The amount Vinci Law claims I owe differs from the charge-off documentation I have received from Credit Union of XXXX XXXX Despite my repeated requests for clarification, Vinci Law has refused to reconcile these discrepancies.Since receiving the lawsuit, I have repeatedly tried to resolve this matter directly with Vinci Law Office. Between XX/XX/XXXX and XX/XX/XXXX, I asked XXXX XXXX for clarification of the alleged debt balance, proof of mailing for the Notice of Right to Cure, and acknowledgment of my XXXX residency. Vinci Law refused to provide any evidence of mailing or clarify the balance discrepancies. They continued to threaten in-person proceedings and potential default judgment if I did not appear in XXXX, despite my documented inability to travel. No resolution was reached.Vinci Laws actions have caused me significant stress, confusion, and financial strain. I believe Vinci Laws conduct violates Colorado consumer protection laws, including the Colorado Fair Debt Collection Practices Act ( C.R.S. XXXX et seq. ) and the Colorado Consumer Protection Act ( C.R.S. 6-1-101 et seq. ), as well as the federal Fair Debt Collection Practices Act.I respectfully request the Consumer Financial Collection Bureau investigate Vinci Law Office , LLC, including attorneys XXXX XXXX ( Bar # XXXX ) and XXXX XXXX XXXX ( Bar # XXXX ), for potentially deceptive, harassing, and unfair debt collection practices directed toward me as an Oregon resident.Sincerely, XXXX XXXX XXXX, XXXX. 
( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation