Complaint #1742542 submitted on 01/13/2016 relating to GCFS, Inc.. Complaint relates to Debt collection Payday loan - Taking/threatening an illegal action Sued w/o proper notification of suit.
Complaint was submitted via Web and sent to the company on Wednesday 13th January 2016.
In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report.
On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself.
The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me.
Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired.
I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs.
This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.
| Company | GCFS, Inc. |
| Complaint ID | 1742542 |
| Date Received | 01/13/2016 |
| Product | Debt collection Payday loan |
| Issue | Taking/threatening an illegal action Sued w/o proper notification of suit |
| State/ZIP Code | CA 917XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 01/13/2016 |
| Result | Timely Response: Yes, Consumer Disputed: No |
Leave your comments and feedback below.