Complaint #1478062 submitted on 07/17/2015 relating to Earm LLC. Complaint relates to Debt collection Payday loan - Disclosure verification of debt Not given enough info to verify debt.
Complaint was submitted via Web and sent to the company on Friday 17th July 2015.
Before I begin with the issues, I do want to make reference that the name that they have the debt under for me is my prior married name, XXXX XXXX, not XXXX XXXX.
There are multiple issues with this debt collector. The first is that they are unwilling to provide me with verification and validation of the debt. The only documentation that they can provide is a letter from themselves stating the balance that I owe. I do not remember taking out the debt and they can not provide me with contact information for the company that they are attempting to collect he debt for so that I can validate that it is legitimate. They will not provide me with the date that the loan was originated so that I can verify that funds went into my bank and confirm who the loan was taking out with. They can not give me the original contract for the debt that I signed. They ca n't confirm anything.
The second complaint, is that they call themselves a mediation firm and the collectors that answer the phone reference themselves as Inspectors as though they are part of law enforcement. Specifically XXXX XXXX XXXX XXXX x XXXX. I have been receiving phone calls now since prior the middle of XXXX, where after I request documentation or to speak with someone higher up, they hang the phone up on me. I have been told that I am going to go to jail if I do not pay the debt owed. Since I am not complying, court paperwork has been filed and that I will be served paperwork to show up in court. They have told me over and over that since I did not take the offer provided and make good on the debt that I owe through our conversation that I was being pursued for Fraud and some sort of Money Evasion, I can not remember the legal term that they used.
Third, they claimed that they traced the IP address that I took the loan from and were able to validate the home address where I took the loan from. However, they could not validate the date that the debt was originated. I do believe that tracking someone 's IP address down is illegal unless you are law enforcement.
Fourth, I am being contacted by a process server company that is trying to obtain my personal information in order to serve me with paperwork. The same process server is calling my family claiming to be with CHILD SERVICES and they desperately need to get in touch with me in regards to my children and need my home address. Their tactics are fowl.
| Company | Earm LLC |
| Complaint ID | 1478062 |
| Date Received | 07/17/2015 |
| Product | Debt collection Payday loan |
| Issue | Disclosure verification of debt Not given enough info to verify debt |
| State/ZIP Code | CA 913XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Untimely response |
| Submitted | Web 07/17/2015 |
| Result | Timely Response: No, Consumer Disputed: No |
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