R&L Capital

Review: An "[redacted]" called and left a message on our phone which said that we were being uncooperative with their efforts and we were being reported to the case manager of the court system. We had no stinking idea what they were talking about, so my wife calls them and they tell us..."Oops- wrong number." We live in Washington state. It's no wonder that we screen our calls.Desired Settlement: I would also like then to cease and desist all calls made to us. The "[redacted]" who called should be reprimanded, fined, or fired. The number we received is: ###-###-####. I looked up the area code to find where this is. It says Buffalo, but it may be another company.

Business

Response:

simply a wrong phone number , sorry

Review: I have been called daily and harrassed by this company claim they are R&L Collections. I have been called by a [redacted], [redacted], [redacted], a [redacted] stating they are in route to serve me papers on felony charges as well as fraud and also 2 charges brought up to me to failure to appear in court. I have NOT committed a crime and they are harrassing me into giving them money. I did speak with them at one point and the person who answered the phone was unprofessional, did not state a business name. Just a simple hello almost like a personal line and there was alot of noise in the backround. The lady who I spoke with kept telling me that papers were filed with the judge of your state and the only way to get the papers is to give me an address to where you are now and you will be serveed. I them asked her, who was the police department? She was getting very rude and said "your county sherif" also in order for us to stop calling you, you must give me the amount of money that you owe which is 1,7000, plus fraud charges as well as court fees which totals up to 2,800.00 She said, you can pay this in full by giving me your account information or a credit card today and I wll call the local sherif who has your selaed papers and have them stopped., I stated to the lady, I need to see proff of these charges as well as I need to contact my attory regading this matter and I will have to call you back in a hour or so. I was sooo upset and my heart and blood pressure was through the roof to the point where I thought I had to go to the local ER.

They contine to call me every day, also at my motheres house which I have not lived there for 7 years and also go married. By the way they do not have my married name. Interesting!!!!But, they keep leaving the same pre recorded messages and sometime as well a live person. One of the message was from [redacted] this is what she said "this is [redacted] and I am calling from R and L legal services, this call is to notify you that someone at this number has 24 hours to respond to this phone call as well as give me a statement in regards to several complaints that have been filed against you, our goal here is to list report you as a copperative iclient n this matter, so please contact me asap at ###-###-####. If you fail to contact us you will lead to a court charges as well, also as not be copperative with us.

This has been going on with this company for aleast a year now, but also starting they are calling from American Acceptance Solutions as well. I have spent many of hours, phone calls trying to hunt these people down, as well as filed many reports to the FTC. The FTC is looking into it, but nothing is being done.. I fell very threatened by all the voicemails and calls. This situation has gotten to the point casuing me much anxiety and my stress levels now are very high. I also, feel bad for my mother who she feels as well threatened, harrassed and felt that she has been invaded by her privacy.

I am fed up with this and can I sue them? Please helpDesired Settlement: I would like a settlement from this compnay in the amount of 2,800.00 for what they say I owe them. as well as them put into jail and sued.

Review: A message was left on my phone from [redacted] of Rossi and Lombardi. The message did not state my name but said that I should have recieved a packet wtih infomration about an upcoming lawsuit that was against my social . The message states a hearing date is fast approaching and I should have recieved a packet at my home or work that I need to sign and they need to go over page 15 of the packet and get my statement. The message states that he has several hearing that afternoon but I can speak to his assistant [redacted]. I contacted the company and spoke with someone named [redacted]. [redacted] stated that I owed $1062.90 from a credit card I had in 2008. The actual balance left on the card was $462.59. He was going to check and see if he could get the company to settle the account for a one time payment of $350 that could only be paid with my debit card. He put me on hold to check and someone pick up the line and said " public library" When I ask who I was speaking to they hung up. I recieved the message above and two other form the same company but different numbers. ###-###-#### called and [redacted] stated he was from R & L and needed to speak to me about check fraud. [redacted] from R& L called and needed to speak to me as soon as possible .Desired Settlement: I want the company of Rossi and Lombardi or R & L to stop contacting me on my cell or at my work place. I will only accept written forms of communication concerning debt. I am working with a consumer credit group to pay any past debt and the debt they are contacting me about statue of limitations for bringing legal action. I want Rossi and Lombardi to provide me with the following information in writting so I can verify the debt. 1. What I owe 2. How they calculated what I owe 3. Copies of papers stating this is my debt 4. Prove the statute of limitations has not expired on First Savings Credit Card account number [redacted]. 5. Show ther are licensed to collect in the state of Texas 6. Provide me with thier license numbers and registerd agent.

Business

Response:

To whom it may concern:

I have reviewed your complaint. One of the reasons for the discrepancy is you are calling the wrong phone number. Our phone number is ###-###-#### not ###-###-####. This number may go somewhere else I am not sure. We do in fact have a debt in our office that our client Southwesteern Investor Group had purchased directly from First Savings. You refer to the Out of Statue date in you companint. In the state of Texas it is four years from the last date of payment and/or chargeoff date. We show that date being 01/31/2009, which gives us til Janurary of 2013 to take any action of the debt. That is not our intention. We would prefer to handle the matter directly with you. If you are disputing the debt for any reason which is your right under the FDCPA you are more then welcome to contact us to dispute the debt. You may also do this in writing. However filing a Revdex.com complaint doesnt properly dispute this debt. As for contacxting you at you workplace since you have asked us not to contact you there we will no longer attempt to reach you there. We have sent you several letters to your residence to attempt to get you to handle your obligation to the creditor. You were for a long time a customer with this company and were in good standing with them. You made payments to them for over a year and a half. Do you not recall having this credit card? This deliquency is also on your credit report. It was reported to Experian when it charged off back in 2009. I would suggest pulling a copy of your credit so you can see the tradeline is affecting your report. As far as showing you that we are a registered agent we normally do not collect at all in the state of Texas. It just so happend this account was placed with our company. I will gladly send the debt back to the client as a refusal and they may move forward which ever way they disire. However if you want to work out an agreement to get it off you credit I would be more then happy to assist you. I dont show your balance the way you are stating either. Your prejudgement balance is being shown as $462.59. If for some reason our claint wanted to pursue the balance in court, we would first need to order the original media from the original creditor that all costs money. We wish to apoligize for any incoinvenience this may have caused. We will immiately close this account and send it back to the client as unresolved, unless you contact us within three days of the compalint to make an arragement for payment. This by no means means this debt is paid or resolved, just that R and L capital will not try to resolve with you any further without your contacting us. If you have any questions or concerns I am happy to answer them for you.

Sincerely,

Review: This company has been harassing me by phone for over a year. I am called every day and left threatening messages about a so called debt that does not exist. I cannot ever get an answer as what it is in regards to and am asked to give my person information i.e. Social Security number. I have been threatened with the possibility of police showing up at my house and or place of employment. I believe their practice is a scam, illegal and completely unethical. They are using scare tactics to try and obtain peoples personal information. They need to stop this illegal activity immediately!Desired Settlement: I would like them to cease and desist all contact from me and my phone (###-###-####) immediately!

Review: I keep getting calls about a package that is being delivered and I am going to be sued. They have called every single number I have and keep leaving very nasty messages, threatening.Desired Settlement: Stop calling

Business

Response:

To whom it may concern:

We are calling because she owes a debt. [redacted] owes Vandelier Group Llc $510.00. She opened a payday loan with this company on 09/09/2011 and then refused to make any arrangements with the creditor. The account is now in collections. We can call once per day per law. We have followed the law by only calling once per day. She needs to resolve the account if she wants the calls to stop. At this point her account is in review at our office to review this complaint. The collection process will not stop until she pays the account. I have attached the letter that may assist her in the reason we are calling. We apoligize for any incoinveniance this may have cause and wish to consider this matter closed.

Sincerely,

Consumer

Response:

I do not use this name for anything of credit, and have not applied to any cash loans, they need to find the right person that obtained this loan, as I have never applied for any type of cash credit loan. I reported it to my bank and had to open all new accounts. This is not my loan or cash loan.

Business

Response:

This loan was opened under your name and your social security number. [redacted]-**-[redacted] There were funds were deposited into you checking account with your bank. Wells fargo account number [redacted]3. The account is no longer in our office anyways. you need to call [redacted] group to determine where you can dispute this if you claim this is not yours. Their number is ###-###-####. I would suggest filing a police report then as well since this is all under your social security number. It has all you inforamtion attached. Filing a Revdex.com complaint is the wrong way to dispute your debt. Dispute it with the company instead of avoiding the phone casll. This complaint should be considered closed.

Review: This company has left harrasing phone calls and threatening legal actions they cannot do (i.e. come to my office themselves and arrest me). They also are giving personal information to people that are not myself which is also illegal. Some of this information has been recorded and can be used for legal prosecution if needed. For almost three months now I have been getting automatic recorded phone calls at work even though I have told them and my boss has told them as well that personal calls are not allowed at work. They are very rude. These calls are beginning to jeopardize my employment. I have also filed a complaint with the FTC and the Attorney General's office.Desired Settlement: The company needs to stop contacting period and only use mail to contact me.

Business

Response:

all #s will be removed

Review: I have recieved several calls from this "business" the last couple months. Always a recorded call. Yesterday the call claimed I was used as a contact for someone they were after. I was told my name and number would be removed from their records.Today I receive another call. I called back the number left to find out why they were still contacting me. I was asked for a case number which I don't have, and the person slipped and started to read back my phone number from his caller ID screen.The last couple calls were threatening to report my uncooperativeness in relation to this case if I didn't call back before 6PM.I've looked this number up online and this is something they've been doing for quite some time. I supsect they are not a real collection agency or law firm as they make it sound, but just a scam attempting identity theft.The two people who contacted me are [redacted] and [redacted].

I have been getting robo calls from this "company" for the last couple months. Yesterday I got one saying I had until 6PM to respond to their "investigation" of someone I have never heard of who had listed me as a contact. My number was supposedly to be removed from their records. This morning I got another call and was hung up on when I couldn't provide a case number. Yesterdays contact name was [redacted], today [redacted].

I want the calls to stop. I'd love to see their offices raided and all working there in jail for about 50 years, as this is obviously some sort of identiry theft scam.

Desired Settlement: Stop Contacting MeDesired Settlement: End to the calls of course!!

Business

Response:

all #s are removed

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me, as long as they truly have removed my phone number from their records, and never call back pretending to be a law firm. "My firm represents R+L Capital" constitutes such misrepresentation.

Review: This company just left me a threat message at my job. It's illegal for them to call my work. I don't even know who they are.Desired Settlement: I have no idea who they are. When I google them, it states online that they are scamming people. If I owe them something, they must send a detailed letter...and they should never call my place of employment NEVER AGAIN!!!

Business

Response:

please have her give us a phone call so we can address the issue at hand , thanks

Review: To Whom It May Concern: I keep receiving automated messages that I have a legal complaint against my name and that there is legal action pending against me. They say they are going to turn it over to an attorney in my state if I do not voluntarily respond. There should not be anything against me. They do not mention my name or what it is about in the message. From what I have read this is a scam and they are just trying to get money from you over the phone. I would like for them to stop contacting me since I believe it to be fraud. I've tried calling the number back to ask a few questions without giving them any real information since I know nothing about them. There is no answer and no type of recorded message about the company when you call. It just rings. Thank you,

Business

Response:

To whom it may concern:

I just pulled up your number it is simply a wrong number. We have never recieved any type of phone cvall from you saying this may be the wrong number. If we would've known that it is a bad number we would have been more then happy to remove the number from our system. We are a collection office. We work on behalf of our clients and get information from our clients. This number was attached to a file and we had no idea we were calling the wrong number. The phone number has now been removed and we will no longer attempt to reach it. Every company can have bad reviews especially a collection company, people do not want to speak to debt collectors. Google [redacted] and you will see that there is complaints against them as well. We wish to apoligize for any incoinvience this may have caused and the number has been removed. We apoligize for you being upset. please let us know if you may have any further questions or concerns.

Sincerely,

R and L Capital Management

Review: Spoke to a Rep named [redacted]. He calle me and told me ant told me I owed a debt and I have not responded to any of his letters. He stated letters were sent to me for four years and to my email. I told him I never received any correspondence from him. The address was correct as well. He then stated if I dont come up with a payment today I will face criminal charges. Then he told me I was a criminal and someone will be at my door to arrest me. All of this at work> I explained I was at work and I would need to call him back to get further information from him. He told me it was to late and he wanted to speak with my employer NOW! I hung up the phone. After that I received six more harrasing calls stating he wanted to speak with my Employer. I told him to stop calling me you are Harrasing me. He then stated fine I will see you in court.Desired Settlement: I will not take this abuse. I work at a call center and could not really talk to rep like I wanted to but it is best they not contact me anymore.

Review: They called me this morning, left a voice-mail. Demanded I return their call by 6 pm. Claimed they needed to report if I was co-operative? They did not state who they represented.Desired Settlement: Stop calling and talking garbage.

Business

Response:

no more calls

Review: Numerous people from this entity call 2-3 times a week. Leaves a general message that this is my final warning to take care of debt owed or will take legal actions and that I'm being uncooperative. each time I call back it's a message machine that asks for my first & last names, county of residence and SSN. I've left my name and phone # and no return call. They never state who the debt belongs to or who it came from. The one time I did talk to someone, they asked me for my SSN, and in response I asked for the firm's mailing address, the person told me that was none of my business and hung up. If she would have given me the chance I would have told her it is my business because it is the law. FTC compliant has also been registered.Desired Settlement: For them to STOP calling me, and for their business license to be revoked.

Business

Response:

# HAS BEEN REMOVED

Review: I have been receiving numerous harassing phone calls from this company about a certain debt they claim that I owe from 2008. I have been unaware of any such debt until they started calling me this year. They try to squeeze information out of me. It's very disturbing. I have spoken to a few different people. Ms. [redacted] has been particularly rude, calling me "one of those people who are delinquent with their debt...those losers". She told me to "man up"! I refuse to give them any valid payment information or my social security number. They have threatened to "serve" me, once after Ms. [redacted] said quote, "I'm gonna go on a smoke break, and tomorrow you're going to be served, and you'll be calling me back begging me to help you"! Another complaint would be that I receive automated voice-mails from the same guys voice using several different names. When I addressed it with some one they avoided the question and moved on. I have asked them to stop several times to no avail.Desired Settlement: I wish for the harassing phone calls and voice messages to cease and desist. I believe this "company" is a group of scam artists, and, after some research, have realized that I'm not alone in the matter.

Business

Response:

wont be anymore calls

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9529345, and find that this resolution is satisfactory to me.

Review: I received a call from this number ([redacted]) about 1 month ago and the recording on the other end stated, "This is an urgent matter, you need to call my office back before 6PM tonight". The recording never stated my name, who they were, what the urgent matter was, or a number to call them back at. I redialed the number because I assumed they had the wrong number and to tell them to stop calling me back. When I dialed the number it went straight to a voice recording telling me to enter in in my party's extension or press 0 for the operator. I pressed 0 and the gentleman on the other end asked for my phone number and my zip code. I asked what the company was and why he needed that information. He stated his company attempts to contact people before a collection agency does. Because I have no knowledge of anything going to collection, I told the gentleman I am going to hang up now. The gentleman sarcastically said, "Too late, we've got your number now." I proceeded to go online and found multiple posts stating this was a scam. Since that call I've received 2 other calls from the same number with the same recording.

Today, 2/28/13, I received another call from this number and the recording said, "We have made many attempts to contact you. If you do not call us back immediately, we will be forced to take legal action." I hung up, looked up the number online again, found multiple posts from other citizens stating this is a scam. Never once had this recording asked specifically for me or what the supposed claim/legal action was pertaining to. The online posts voiced the same concerns.Desired Settlement: I would like the company to honor the do not call registry and stop harassing me.

Business

Response:

if I can have the # ...it will be removed even though we are a collection agency NOT trying to sell anything

Consumer

Response:

Review: My father received a phone call from R&L Capital a few months ago. I called the number, and they stated that I owed 1300.00 from a past debt and that an affidavit had been filed against me with my county court. I travel for work now, and am rarely home. So I wanted to take care of this immediately. The said they'd lower the cost to 1000.00. After the 1000.00 was paid I'd receive a letter in the mail showing that all was paid. R&L Capital has continued to deduct 250.00 from my account along with another company at the exact same time that may be connected with R&L Capital called Advanced Mediation. Both were not authorized to withdraw the 250.00 on 8-2-13. After reviewing the complaints on the Revdex.com website, I feel that I have been scammed out 1000.00, and severely inconvenienced by having to file a dispute with my bank, and having my debit card deactivated for the charges. Anytime I try to contact R&L Capital I get an answering machine.Desired Settlement: I wish to have all 1000.00 of previous paid money returned to me immediately, if this does not happen I will also file a complaint with the Ohio Attorneys General and the New York Attorneys General.

Review: I have received message from this company telling me it is very important I call them back, they are trying to help resolve the account in question, It is nessary for me to call back by such a time or it will be turned over to court. When I called back, the person they were calling was unknown to me or my family. I was informed that I had the same last name that I should know them, I replied that neither myself or my family knows this person and would they remove my number from their call list. I was informed that the calls would continue. I have received these calls for the last three days. They say that my number was the number given to them.Desired Settlement: That this company take my number off their calling list, and I receive no more calls in reguard to this person they are trying to reach.

Business

Response:

will cease and desist

Review: I received a call from a [redacted] of R &L Capital "mediation company" looking for another person. This "employee" is a debt collector attempting to locate someone illegally. She has called several family members illegally and called at illegal times. I simply wish to be taken off any call list of this company. In addition I have sent them a cease letter today asking that all communications with my household cease immediately.Desired Settlement: Stop contacting me or members of my household

Business

Response:

no more caLLS

Review: I received a phone call from an unknown number on August 17, 2012. A female by the name of Inspector [redacted] told me that she was going to be at my place of residence on Aug 20, 2012 between noon and four pm and told me that I was going to be served paperwork and that I needed to be home to sign paperwork. She told me that unless she got a stop order by calling ###-###-####, she would then be stopping at my place of work to serve paperwork. Needless to say no one showed up at either my place of business or residence. On August 24, 2012, I was received another phone call with an unknown number stating (the man did not leave a name) stating that I have paperwork and that I need to call ###-###-#### to go over court dates and times and to give the company a statement. This company has severely violated my rights under the FDCPA act and should be held accountable for their actions. I have read through the various complaints filed against Rossi and Lombardi and noted that on one occasion they responded--stating that they were going to have a meeting to discuss violations of the FDCPA act. That note was listed being registered on Aug 20, 2012. I received a second phone call with someone pretending to follow suit on a lawsuit on August 24, 2012 which means that whatever information Rossi and Lombardi discussed with you are false.Desired Settlement: I want this company to stop contacting me. I want them to know they have violated my rights and I have saved both voice-mails and have reviewed them with my attorney. I am seriously contemplating filing suits against them for violations of the FDCPA. I want this company to apologize for their actions to let it publicly known that they have been doing this to a lot of people as I have read through various websites.

Business

Response:

This letter is in regards to Ibe following complaint standing againsl R & L Capital LLC: File #

Review: Well they been calling me saying that I owed money and if I didn't give them money that they was going to send me to prison, well I gave them my bank card number to set up payment plans well they took 1250.00 out my bank account and wasnt suppose they was suppose to stop at 600.00 when I called them back to tell them about it they guy that I spoke to said he doesnt know me or how I got this number when clearly I talk to him three or four times the past 2 weeks they guy name is steve. I had a feeling that this is scam all I want is my money back. I have kids to take care of and bills to pay. I had to close my bank account and bank card I cant get another one till 2 weeks.Desired Settlement: 1250.00 is what I want back

Business

Response:

THE ACCOUNT FOR MR [redacted] WILL BE REVIEWED , AND IF THERE WAS AN OVER CHARGE AND A REIMBURSEMENT DUE , IT WILL BE ISSUED IMMEDIATELY

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I received a message today from this collection agency. I am very familiar with FDCPA and they violated my rights under FDCPA numerous times. The message left on my cell phone contained sensitive identifying information for my husband. This was left on a generic voicemail the first time the number was called. There was no way to know that they had reached the appropriate person. They left part of his ssn and his parents full address.

When I returned the call to give my husband's information I told the rep, [redacted]. That I was not interested in discussing the matter because it was not my business to handle. [redacted] then told me that I was a codefendent in the case and that I should be interested. [redacted] became verbally agressive when discussing the matter and when I questioned being the codefendent and what I was being charged with [redacted] advised me that I was listed as a reference and am a codefendent because I could be called in to testify against my husband. Both of these statements are only meant to be threatening because they are untrue. I am not being charged with anything and in fact have nothing to do with this debt as it was incurred long before my husband and I were married. Further, I could not be forced to testify against my husband. When I pushed these issues with [redacted] and asked that I no longer be called she hung up on me.Desired Settlement: I would like this agency to stop using lies and abusive, threatening tactics to collect money. I would also like an apology for the phone call today.

Business

Response:

This letter is in regards to the following complaint standing against R&L Capital LLC ID#[redacted]. I have searched our system for an account belonging to [redacted]. No such account exists with out office. This leads me to believe this is simply a case of a wrong number being listed on another individual's account. The provided phone number of ###-###-#### has been removed from our office and Ms. [redacted] will not receive any further calls. Again no such account exists with our office fro [redacted]. We are sorry for any inconvenience this has or is causing Ms. [redacted]. I assure you we did not intend to scare Ms. [redacted] in anyway. Our company strives to follow all FDCPA laws and regulations. Any employee using such tactics as stated in the complaint will be sufficiently reprimanded.

Thank you.