Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told on this date XXXX I will be served to go to court because I owe XXXX for merchandise purchased XXXX XXXX XXXX at an Audio King Bronx. They had no address, however in looking it up they do not have a phone number but an address of XXXX XXXX XXXX XXXX XXXX XXXX National Claim Center states the loan was made in my name and SSN and verified my info. She also gave me an email address which is not mine at XXXX. The money borrowed was loaned by GTE Federal Credit Union with Snap Finance XXXX XXXX XXXX XXXX There I spoke to a Lori who would only identify herself by Lori and no last name or badge number. She stated the account number is XXXX. She said it was sent to collections and gave number to Real Time Capital XXXX XXXX XXXX XXXX. I called and Real Time said it was sent to American Debt Financial Management 216 435 0769. When I called they said its with APD 855 338 6895 and they gave me another number to APD and should have all the info I need to find out more 18553386895. I been calling and the mail box is full.\nI called the original place XXXX XXXX XXXX and the man was very rude and hung up. XXXX XXXX XXXX  When I called again his voice mail says leave message and his name is Michael. The website doesnt show a phone number but research linked it and reviews confirmed it is the correct business and his name is Michael. The website is audiokingnyc.com .  I finally got a hold of someone at XXXX XXXX and she will close the claim and I should not hear anything from anyone again. \nI do not know what to do at this point. Please help me. \nRhonda Quintana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\n\n \n\n Rhonda,\n\nThank you for contacting Snap Finance to report your fraud concern and/or as well as unauthorized charges on your bank account.\n\nTo better assist you with this claim, we will need you to submit a report to the Federal Trade Commission following this link - https://www.identitytheft.gov/#/Alternatively, you can file a police report with your local police department with a detailed description of the incident. \n\nIf there are refunds that need to be considered, please attach a copy of your bank statement showing the charges from Snap Finance that were processed. Please ensure that your bank statement has the bank name, account owner information, and the last 4 digits of the account number.\n\nOnce submitted, please send a copy of the incident report as well as your full bank statement showing the charges processed through your account. to XXXX  you have any questions, please reach out to your assigned agent at the contact information below.\n\nKind regards, \n\nChristopher R.\n\nFraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This message is intended only for the use of the individual or entity to which it is addressed, and may contain information that is privileged, confidential, and exempt from disclosure under applicable law. If you received this message in error, please delete it from your records immediately\n\nI followed the direction and I also disputed on my credit report.  I also contacted Norton. \nNow we are in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation