Kauffman & Son

I bought a car from a small family dealership and made my payments on time, until my husband had a stroke, which left him blind in one eye, paralyzed and unable to properly communicate I no longer had use for a little seat sports car, so I returned it, in showroom condition, back to the dealership I NEVER heard anything more about the car...but I did find a buyer I sent the buyer to the dealership, but heard nothing Now, today, we are living on a small fixed income and I can hardly make ends meet...so, we first see this company appear on our credit report...we never heard of this company so we contested their entry on our credit report!! Next, we are blindsided by a call from Texas,(we live in Indiana)...this company is going to take my husband to court...in Texas..to get a judgement and come after our bank account, the car we drive (and owe more than it's worth)...and take anything they can get their hands on...without even showing us ANY paperwork to verify the amount they claim we owe!!! I questioned the amount...the car was in showroom condition and we bought it for less then the Blue Book Value!! We returned it years ago, and were never offered any paperwork on what happened to this car...nothing!!...I sent a buyer to the dealership, prepared to pay it off in full!!! After years, they just pop up, making all sorts of threats without offering to provide any financial statements stating what fees are owed...they just pulled an amount out and insisted we make arrangements to pay THEIR AMOUNT!! No way!! If I called anyone, and told them to pay an amount...wouldn't they want to see how they came up with that amount?? I think I am being reasonable to ask how they came up with their figure...why didn't they contact us within a reasonable amount of time....and what interest do they have in this car? The girl told us she was from the courts....and to expect my husband to be going to court over this....in TEXAS??? There is no way possible!! I am so stressed, I am considering borrowing money, not to give to them, but to hire an attorney to take legal action!!! They are unprofessional...they have no verification of this OLD debt...and the girl misrepresented herself to us...and they threatened us!! They are a scam operation, trying to get money from seniors and others!! I believe that car was sold and the finance company got their money!!! I would try look up the buyer I sent over to purchase that car....but after years, it will be difficult I am not sure how I will handle this...but beware of these scammers!!! They go after such old loans which makes it difficult for people to locate the records to prove defend themselves!!!

Requested verification from credit bureaus multiple times and received nothing but credit reports stating that the items were verified, but nothing showing how or who they verified this debtSent the collection agency Deville Asset Management letters also requesting them to validate the debt and to provide a contract that they were even allowed to collect on the supposed debt and most importantly provide a contract with my signature (wetink or electronic)Deville Asset continued to just send statements, which isn't a contract showing I opened the account

So I called them to ask the original date of default of my loan which they purchased for collections from *** *** and they refused to give me the initial date which is required by FCRA They continually take the account off my credit score for a month then report it again they have done this for the past year

I do not have a contract with *** *** ***I have never been contacted by this company by mail or phone, and therefore never afforded the opportunity to request validation of this debt

I attended a semester at a private college in 2010-I went to a career school in 2012-and was told I previously had an account with the student loan servicer and this new loan would just tack onto the first oneI thought " this is great, I will only have one loan to pay." Fast forward to when I get a call from a woman screaming that I need to give her my social security number otherwise she was going to have to take legal actionWhen I blatantly refused, she became very irrate with me and kept wishing me good luck in courtI finally was able to find out some information from her where she told me because of a bookkeeping error at my initial school, I was found to owe about $I informed her this is the first I am hearing about it and that I do not understand why I have not received any communications until YEARS LATERShe continued to tell me she did not know and that was not her problem, I owe the money and I needed to pay or I was going to courtI demanded

I received an alert that my credit score decreased due to increased debtThe credit reporting agency the alert came from was ExperianIn opening my alert, I saw where DeVille Asset Management company had filed an amount of $5,on my accountI have never heard of this company, never used this company, and I have never received any correspondence in terms or email or certified mail from this company to say I owe this debtI have tried several times calling this company only to be told by an automated voice system to please try back again or the number is no longer in service or this mailbox can not receive messages at this timeThe number listed on my credit report is as follows: ***I am trying to be patient but this is not rightI went further as to looking this company up on the internet and found at least other individuals have filed a complaint against this company for fraudelent collectionsThe stories are identical to mineThese people state that this co

There is no collections on my transunion account but there is on the EquifaxI disputed this once because it was a closed account and it was removedNow it is back and when I try to dispute it again I can’t because I do not have any information on the account

I have sent Deville Asset Management several request to comply with the texas law they are collecting on and reporting negatively on my credit a debtThis looks to be a vehicle that was repossessedI have ask them to comply with state law and also the FCRA on different Occasions I have asked for the following documents as the law allows me to doPlease evidence your authorization under USC 1692(e) and USC 1692(f) in this alleged matterWhat is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in this statePlease evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signaturePlease provide a complete account history, including any charges added for collection activityProof that all required notices were sent Prior to the repossession of the vehicleI have on

So deville assets has showed up on my credit report from a past auto loan I called to receive information on the account and the person on the phone seemed to have a script to read from and there was only one line, “we will not give any information related to the account until the balance is paid in full.” Well if you can imagine , that conversation didn’t get me very farSo I dug into them to try to find a website or another number to get information and came across that they are being reviewed by the FBISo I dug some more and I’m a resident in ***Which *** requires all collections agencies to be licensed to collect any debtWhich after searching the SOS database for them , they are no where to be foundNot even a revoked licensesI have now filed a dispute and waiting for it to go through

I do not have a contract with this company

I do not have a contract with Deville Asset ManagementI am not liable for this collection from *** *** or Deville Asset ManagementI am not responsible for this debt

I just checked my credit score and noticed a collection report from DeVille Asset ManagementIt says the original account is more than several years oldI have NEVER received any communication from this companyNo phone call, no email, no snail mailQuite some time ago, I contacted the original creditor to pay this, they told me that the account was no longer in their hands and I had to wait for the new business to contact me...they never didNow, I noticed that this has been a negative on my credit score and was never contacted to correct this matterHow can I pay a bill that I've never received?? Very bad business

On Feb 20/I notice a collection on my credit report from Deville Asset Management located at *** *** *** *** *** ***in the amount of $for a car loan charge-off closed account which was stated open March 13/on my Trans union report and March 1st /on my Experian report .I reached out to this company by certified mail on Feb 20/and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited days and reached out to the company again via certified mail on 03/27/still with no luckOn 03/27/I check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section and the surety bond was canceled on 03/11/I need this company to validate this collection account they have placed on my credit report stating

They call me about a collection from *** some we made some arrangements and I was paying them for two year about and that last of the they made a deal of I gave them hundred from my credit union she paid them I ask why I don't see it he said it will show I gave him another call all their line are disconnected which left a balance of

I have reached out to my original school loan agency and they agreed to work with me, however, Deville has impacted my credit report and would not remove it unless I pay them a substantial amount of money I don’t believe it is fair to me as my original school loan agency has agreed to work with me

In April I received an alert from Transunion that a new collections account had surfaced involving an auto loan I had with a creditor under a different name who had closed the account in Jan
I requested a debt validation letter from DeVille Asset Management to which I received a number of documents related to the original creditorI then requested a debt verification document(s)IE: A bill of sale from tbe original creditor to DeVille Asset ManagementDocumentation showing how, when and where I owe this debt to DeVille Asset ManagementI have not yet received sufficient documentation in accordance with and in compliance with US Code>Title 15> Chapter 41> Subchapter V

On May 21, Deville Asset Management received my certified letter requesting validation of accounts they are attempting to collect on account D28413*** They never responded Under the Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request All debt collectors operating in the State of Texas must be able to verify, or "validate," any debt on which they are attempting to collect paymentTexas Finance Code Section requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: The name of the original creditor the original date of default or non-payment of the debt the date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information respond or did not respond in timeIf a debt collector has failed to respond to your debt valid

*** *** *** *** is reporting a collection on my credit reports that has not been verified, they are in violation of the FCRA federal law, I sent a certified letter requesting validation of the debt, which I do not owe, they are stating that I owe $17086.22to their companyThey have failed to send me a signed contract baring my signature binding me to their company, I also requested information regarding how much they paid for the contract*** *** sold this fraudulent account to *** on 1/02/2017! *** *** repossessed the car OCT and sold the car for $14,the remaining amount that I owed *** *** was $6,000! *** is attempting to collect on a fraudulent amountI do not owe them $17,when the car was sold at the auction! Also *** stated in writing the date of the first delinquency was 11/30/2016, which is incorrect, the car was sold at the auction in OCT *** is in violation of the they have not validated t

I purchased a vehicle thru ** ***I gave the vehicle back in I havent heard anything from them sincethenThey have sold my contract and are no longer in businessNow this Deville asset company has filed to seize my home which is valued at 140,dollars, and the bill I supposably owe for ** *** is 8,000, I heard that Deville is scamming people out of money saying they owe them, when it's not a contract with themThis shouldnt be legaland Ive tried calling them, they wont return phone calls, and now they have some guy who says hes an attorney for them*** *** located at *** *** *** ** *** *** so deville asset is located in TexasWhy in the world would they have a guy who claims to be an attorney who is in *** ***Something isnt rightThere are so many complaints against deville assetthat the state of *** nor the Revdex.com will do anything to protect consumersThey just allow this to happ

This company has listed a non-existing debt on my credit report for *** ***I contacted the company by US mail and requested executed copies of documents and to date have not received themI have also forwarded copies of all my correspondence to Deville to ALL the credit reporting agencies I tried contacting Deville by phone and it a message then the call disconnectsI checked my credit report again on June 2, and found that Deville has now listed the debt as charged off; however, I have never hear from themI sent another correspondence to Deville and ALL the credit reporting agencies demanding that this adverse entry be removed from my report and my credit score restoredAt this time, two (2) of the credit reporting agencies are investigating