Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Original Creditor : Investment Retrievers, XXXX XXXX XXXX XXXX on behalf of Investment Retrievers : XXXX XXXX XXXX Attorney on behalf of Investment Retrievers : XXXX XXXX Before this account was transferred to XXXX XXXX XXXX contracted collection Agency ( Investment Retrievers ) in Approximately XX/XX/XXXX and XX/XX/XXXX, I attempted to set up payments with XXXX XXXX XXXX XXXX to repay this debt. I explained that I was ( and still am currently ) experiencing a financial hardship due to being a XXXX XXXX XXXX XXXX XXXX  My partner ( not registered ) is currently XXXX due to a horrific accident at work and I am the sole income and provider for our household. XXXX XXXX gave me the option of making a down payment of {$500.00} dollars, which was not something I was able to afford at the time. They also closed my checking account and savings account, which prevented me from being able to transfer payments to this account any further. I attempted to transfer payments via XXXX and bill pay, which have both been denied by the XXXX XXXX to deposit the funds toward the credit card. 

I was then contacted by Investment Retrievers regarding the credit card, who advised me that they are collecting the credit card on behalf of XXXX XXXX. They do not own the debt. I have since then attempted multiple contacts with XXXX XXXXXXXX to resolve this issue only to be told by XXXX XXXXXXXX that even though Investment Retrievers does not own the debt, they will not be taking payments with me and I will have to deal directly with the collection agency that I did not sign a contract or a repayment agreement with. 

Investment retrievers has threatened to sue me, has indicated they have referred this file to their attorney for lawsuit ( XXXX XXXX ) and even after I asked them to cease and desist advising that I would work with XXXX XXXX directly to resolve, they have sent text messages regarding the debt. They then told me that they hired an investigation company to locate my assets and income to collect this debt. 

I was then contacted by XXXX XXXXXXXX XXXX via email and physically, by the investigator approaching me in my front yard of my residence after business hours, cornering me and asking me about my debt. XXXX XXXX with XXXX XXXX XXXX approached me in front of my house with a camera strapped to her chest and asked me about my account with XXXX XXXX XXXX XXXX to be repaid. 

After this, I again attempted to resolve this issue by setting up payments with XXXX XXXX XXXX XXXX and advised that I would like to repay it, but I don't appreciate being contacted at my residence or cornered by a stranger regarding my credit card, especially when i've made so many attempts to try and resolve it to make payments. 

I am still being refused to make payments directly to XXXX XXXX even though they currently own the debt.

Company response to consumer: Closed with explanation