Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DYNAMIC RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
This is a new complaint against a different company, but related to complaints XXXX and XXXX Addendum to initial complaint to XXXX, CFPB : This complaint at its origin relates to an Original Creditor Account under XXXX XXXX XXXX. They allegedly sold it to XXXX XXXX who claims to be XXXX XXXX XXXX. Regardless it is a collection agency. Through disputing this collection as I had exercised Credit Protection on it when I became XXXX came many malicious attempts by the collector to cause me harm. They even went as far on this date to have one of their buddy collection agencies harass me because they knew they could not contact me. A description of that account is described below. 
On XX/XX/2021 XXXX XXXX XXXX reported an OK for payment status in their monthly reporting. On XX/XX/2021, XXXX XXXX XXXX, knowing I was in underwriting of a loan, removed the OK for XXXX and inserted a 120 day late causing it to appear as if a new collection had been added to my report. 

On XX/XX/2021, I sent out complaints to all financial regulatory bodies because XXXX XXXX XXXX did this after the Bank and XXXX XXXX XXXX, XXXX closed out my CFPB case by errantly verifying/validating that the account was accurate, there was no record of credit protection on my account, and they provided about a dozen statements where each one of them up until XXXX were charged for reflect a charge for Credit Protection. Those charges stopped in XXXX, because as the Bank told the CFPB and XXXX, they were notified in XXXX that I wanted to exercise my Credit Protection. The details beyond whats in that agreement are immaterial because we never agreed on it. Example nowhere in the agreement does it say that you have to call XXXX XXXX XXXX  and be given a different number that you will call them and then XYZ. It just doesnt work that way. 

Per their own agreement and their statement via letter, I was qualified, I was not disqualified for any reason and I notified them TWICE within 365 days. 

That is all I was required to do per their Agreement and therefore the information the Collection Agency used out of that letter was no record of another call. XXXX XXXX XXXX XXXX in its response to the CFPB, cherry picked just those words out of the entire response. 

On XX/XX/2021 I called XXXX  and told them that this was a malicious attempt to derail my loan application and I added that the bureau provided no possible avenue to expedite supporting documentation for removal. I demanded the account be removed in its entirety. 

XXXX  removed the last 3 payments but not the account as a whole, yet the account has been verified and validated to be accurate over 7-9 times. 

That dispute/complaint information that I copied to XXXX XXXX XXXX, XXXX regarding the XXXX  XXXX  XXXX  on my Credit Report was opened at IP Adress XXXX on Tuesday, XX/XX/2021 XXXX XXXX. On Tuesday, XX/XX/2021 XXXX XXXX, I received a call from somebody at a company named DRS asking me to verify my name and last 4 of my social security number. 

I asked who it was and what the matter was generally regarding. I was placed on hold and a XXXX XXXX I believe came back on the line and tried the same tactic to validate my debt, not my identity. He actually said those words in the call believe it or not. 
I said, unfortunately without knowing who you are, I cant give you any information about me, but youre more than welcome to mail it to me. Mid sentence I was cut off and he said, well than unfortunately trust me Im not going to tell you why Im calling and hung up the phone. 

I researched the phone number and DRS Turns out DRS is Dynamic Recovery Solutions, a collection agency not associated with this debt, however is located in XXXX, SC XXXX. XXXX XXXX XXXX is located in XXXX, SC XXXX. 

I am asserting that 2 collection agencies conspired to circumvent the FDCPA and FCRA to try to provide a verification by proof that I said I am who I am. They needed another collection agency to do it because on XX/XX/2021, XXXX wrote me agreeing to cease collection and not call me. So they had Dynamic do it. 

He was a frustrated little boy when he didn't get his way. 

While this account was under dispute, the collection agency that said it would cease collection against me and not sell the debt, outsourced XXXX XXXX XXXX to collect the debt. If that's not violating the law ... I'm going to file suit and represent myself because I will show everybody how it's against the law. 

It is against the law for a debt collector to call to collect a debt while that debt is being disputed. 

I don't know this debt collector, I don't have any other accounts that are derogatory and the companies operate down the road from each other ... coincidence? Nah FACTS : XXXX XXXX XXXX, L.P./LVNV FUNDING CLAIMED OWNERSHIP OF THIS ACCOUNT NOT DYNAMIC RECOVERY SERVICES. 
NOBODY HAS PROVIDED ME SUFFICIENT VALIDATING DOCUMENTATION. 

THIS WAS A PURELY MALICIOUS ATTEMPT TO VERIFY MY IDENTITY TO SUBSEQUENTLY VERIFY THE ACCOUNT IS MINE AND SUBSEQUENTLY VERIFY ITS ACCURACY TO YOU AND THE BUREAUS. 

This behavior reaches the level of criminal and I'm inclined to file complaint with the Justice Department of South Carolina and the United States Justice Department.

Company response to consumer: Untimely response