Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: AR

Complaint narrative:
On XX/XX/2019 at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX of XXXX XXXX XXXX. He stated that I had a credit card debt that had already been through collections and now they were going to collect the debt. The supposed debt was a credit card through XXXX XXXX Bank. Much of this conversation is a blur because I was surprised by the call and his aggressive behavior. When I stated that there is no way this was my card/debt, he informed me that it was because it was tied to my ssn. When he read my ssn back to me I was shocked. I informed him that I don't know where he got his information, but I had never had an account of any kind with XXXX, ever. He stated that if I didn't pay {$2100.00} that this was going to be report to the credit bureaus and they were going to take some other action which I didn't understand. He also informed me that the collection agency had sent letters to 3 different addresses. I never got any letters. Never received any phone calls. We argued for a little longer and I told him I wasn't doing anything until they sent me something giving me some more information. At this point he told me for like the 5th time that our conversation was being recorded and that he needed a minute to email me what I was asking for. He stated that if I hang up while he is sending the email, that they would move forward with the process. I have attached the letter he emailed. What I found interesting is the card number is only XXXX digits. At that point I was done with him. 
On XX/XX/XXXX, I called XXXX to educate him on some information that I had gathered. I did not get XXXX, but got his boss instead. I informed her that I had spoken with XXXX and that they have no record on any accounts tied to my ssn. We checked multiple ways and nothing. I did not get her name, but she wasn't listening. She said it was my debt and that they had bought the debt from a collection agency. When I asked what collection agency, she would not tell me. When I told her that the credit card number she was trying say was mine only had XXXX digits in it, she gruffly responded, " that doesn't matter ''. I'm pretty sure that proving that I have debt would require an actual card number. Some where along there, she informed me that this debt is from the XXXX 's. Nothing specific, just the XXXX 's. " Oh he didn't tell you that? ". When I told her about XXXX saying I never had an account, she said very condescendingly that back then it was XXXX XXXX and today it is XXXX. She is absolutely incorrect on that statement. They would not have any records for debit from back then. No he did not. She made sure to tell me that if choose not to pay, that we will end up in small claims court. She repeatedly asked me, " are you saying you are not going to pay? '' I never once said that. I asked repeatedly for the signed application, what the charges were and where they were made. I was told that I had the only information I was going to get. 
I have now spoken with 3 different representatives from XXXX, the last 2 were made to understand her comments about the debt being from the XXXX 's and that they would not have any records of it because it was XXXX XXXX. They almost laughed. None of them came up with an account of any kind tied to me in any way. 
I have looked at 2 of the 3 credit reports and it shows no collections, no account with XXXX, nothing. I spoke with a representative from XXXX today and she looked in all the places she could look and she found no collections, no XXXX, nothing. 
This is XXXX and I do not know how they can still have an actual license to operate from the State of Illinois. They are nothing more than apparent legal crooks. 
I never received the first letter, call, nothing from anyone. 
And, oh ya, XXXX did a credit check on me on XXXX and XX/XX/2019. The kicker is that they did a credit check two years ago as well. Now why do you suppose they did that? I have never had even a late payment in all the credit I have ever had, let alone an account go to collections.

Company response to consumer: Closed with explanation