R&L Capital

Review: Hello. I received a phone call at my job today about an outstanding debt that I owed to Legacy Visa. They explained to me that the original balance that I had owed them was $2,464.00 but because of the "interest fees" and "legal fees" it has brought the amount owing to $5,768.10. The man that I had been speaking to is named [redacted] and his phone number is ###-###-####. He kept asking me what could I do for them today and I explained to him that there was nothing that I could do and that I could do some kind of reasonable payment plan to take care of this. We he was not listening to me in fact he's now threatening me by saying that they are going to sue me and take me to court. They gave me a file number and everything. The file number is [redacted]-54-**. Now from what I understand only the Federal Government can file a lawsuit against you. That they are the only ones that can, not the collection agencies. And I'm disputing these interest fees and legal fees that they claim that I owe. This has really upset me.Desired Settlement: I want these people to stop contacting me about this. I'm handling my debts as best as I can. I am handling them one at a time starting with the smallest and working my way up to the biggest. This is really the only desired outcome I am seeking is for them to stop threatening and harassing me. Any help you can give me would be appreciated.

Business

Response:

# HAS BEEN 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.

Review: This company has left harrassing phone calls and threatening legal actions they cannot do (ie. come to my office themselves and arrest me). They also are giving personal information to people that are not myself which is another form of illegal all in itself. Some of this information has been recorded and can be used for legal prosecution if needed.Desired Settlement: Stop contacting me and others, or face legal action, from myself. The information saved on cell phones and answering machines would be very damaging in court.

Business

Response:

all #s have been removed

Review: Company called me to collect money for my son. They threatened told me a warrant was in place for his back debt. I asked for a receipt and a list of bills owed. They promised they would send it. I signed a release of information for them to do so. I paid $1300 to them in June and now they have charged my account with $500 more without my permission. They told me that the $1300 would be the entire amount,. I believe that this was a scam and my son owed nothing to them. I would like to recover as much of this as I can. I took it out of my business account and it is very important that it is replaced.Desired Settlement: I would like a check mailed to me in the amount of $1861. The address for mailing is [redacted]

Review: This company left a non compliant message on my voicemail and clearly have unethical collection tactics. I will not deal with them in regards to this. The voicemail has been saved and will be sent to my attorney if needed.Desired Settlement: They are to cease and desist all phone calls, they can communicate via mail or email or a formal complaint will be filed with the Attorney General. I want a validation notice before I even consider taking care of whatever they are "taking me to court" for.

Business

Response:

Review: I have received several phone calls/voicemails stating that R&L Capital has an account that is pending under my name and social. I've answered the call once or twice and the collector or representative doesn't believe that I'm not the person they are looking for. Therefore, I just don't answer anymore. My number is ###-###-#### and my name is NOT [redacted].Desired Settlement: Please remove my phone number from all databases and no longer call my number.

Business

Response:

#s have been removed

Review: This company keep calling my house, I don't know who they are and I don't old them any money.

Business

Response:

ALL #S WILL BE REMOVED

Review: This company has been contacting me since January 2013. They never sent me proof that they own the debt they are attempting to collect. They call me at my office phone and they are calling my co-workers leaving detailed messages on her phone. I have recordings of all the voice messages. They know they are leaving messages for her, they use her name. I sent a cease and desist letter which was received by thier office on Feb. 19, 2013, I kept the records from the USPS. They only way they have ever sent me any type of paperwork was after I agreed to pay them 3X my original debt. After doing research about them and thier collection practices, I canceled the card I gave them to process and then sent them the C&D letter. They have refused to stop contacting me. I get a voicemail everyday from [redacted], [redacted], [redacted] something all of them are the same guy. It becomes almost funny that he is pretending to be separate people. They are implying that they have filed a lawsuit in the county of my residence, which is false. They are not Bonded in Texas as a debt collector which means they are not allowed to collect debt in Texas. I have been in contact with a lawyer and was informed that I cannot sue them for violating the C&D request because they aren't bonded.Desired Settlement: I want the phone calls to stop to me and all of my co-workers.

Business

Response:

will cease and desist

Consumer

Response:

Review: Non-stop harassing phone calls looking for someone who does not live here.Desired Settlement: Stop calling and filling my answering machine with messages for someone who does not live here. Do not lie multiple times by saying my number has been removed from your list and then proceed to call everyday after. Even your operator was rude and condescending. It is an exercise in futility to continue to call looking for someone who is not/will not be here. Do you really operate a business with this itic practice? Are you familiar with the definition of insanity? Your issue, whatever it may be, has NOTHING to do with me or my household. STOP CALLING!

Business

Response:

WE WILL CEASE COLLECTIONS

Review: This company calls daily from 2-4 times. They never identify themselves properly and never give a name for whom they are contacting. They threaten law suits unless I (whoever that may be) become cooperative. They also state that this it the final call they will make. Of course this final call has been ongoing for over three months. I have an 800+ credit score, owe no one and cannot imagine what this bunch is after.Desired Settlement: These slugs are incapable of common sense but a written apology with the assurance of NO FURTHER CONTACT would be the least accepatable to me. After all they have called me for more than three months. I have never harassed them nor threatened them.

Business

Response:

wont be anymore calls

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 have recived calls saying I was being sued they alreafy had my bank account information asked multiple time for documentation on the law suite and never recived any forms. Look at my bank account yesterday they had withdrew almost $550 without my consent. Called the number back a Ms. [redacted] said good luck we already have your money and hung up!! now im in jepordy of loosing my apartment due to no funds because my bank said it will take over five weeks to resolve thips despuit!! Then today I recieved 10 more calls saying I owe more money!!! Get out of my bank account and stop calling already filed a police report abd meeting with the Attorney General Monday morning!!Desired Settlement: I need my funds returned immediately or I will be filling a law suite Monday Morning with the Attorney General!

Review: [redacted] ###-###-####, called my parents residence looking for me in attempt to collect a debt that I do not owe. Without verifying any of my information (he just stated my name), [redacted] went into great detail with my MOTHER about my “case” stating that I owed a debt to 53rd bank from 2008 and I was being sued. He also stated if the debt was not paid, I would be charged with check fraud which he then stated was a felony charge. My Mom called me in a panic and was ready to pay “this lawyer” ([redacted]) over the phone to prevent me being charged with a felony. I closed my 53rd bank account in 2008 and have not heard from them since, and I do not have a collection from them on my credit report. I did call 53rd bank and a representative said that I had a charge for $185.00 sent to collections, but when I attempted to call the collection company that it was sent to, they stated that I did not have anything on file. [redacted] stated that I owed him $900.00 but was willing to settle for $400.00. [redacted] also stated that he would be calling my Mother on Monday to collect the payment. I told her do not pay him under any circumstances. This individual gave out sensitive and untrue information to an unauthorized representative. I attempted to call the phone number that was given to my Mother and no one answered the phone, the answering message sounds very unprofessional. There is a lot of talking in the background (sounds like a call center).Desired Settlement: I want to know what is really going on here, I have a feeling this man is trying to scam me.

Business

Response:

cease and desist

Consumer

Response:

I need a detailed explanation of this response from R&L Capital. Cease and Desist is not a clear enough response.

Consumer

Response:

Review: These people are calling me about a legal matter but will not leave any information, when I call back they want my ss# which I refuse to give anyone.

Business

Response:

please let the costumer know she can give a rep the phone # she was called at , and we can access her account that way

Review: Rossi and Lombardi has called my mothers house ###-###-####, my friends and my work ###-###-####, I have recorded over 25 different threatening messages from this company stating that 1 they are an attorneys firm from [redacted], [redacted], [redacted], [redacted], [redacted], and a Mrs [redacted]. Everytime they call the name of the company changes a little from Rossi and Lombardi to R&L capital to RL Attorneys Network.......pick one. First off they state I have a fraud charge pending in my county, I called my county with the case number Mrs [redacted] left which was filed in my county, I called the county this is not true, I have the message recorded from Mrs [redacted] with these false claims of a suit. I also have calls stating that I would be arrested on fraud charges, which I also have recorded, these threats and false claims are against the law and I am prepared to counter this company with a law suit if I continue to get 5-6 harrasing calls a day.Desired Settlement: Stop contacting me and any associates of mine or I will press charges and seek a civil suit against your so called firm!

Business

Response:

we are a collection agency simply trying to collect a debt . All call will immediately cease !

Review: I took out a payday loan in Feburary of 2012 by paying with a check. I found out that the check bounced and I needed to pay the money back. I got on a payment plan with the Payday Loan company (QuickCash). I since then lost my job and haven't heard anything from them since. Today 02/21/2013 I received numerous phone calls today from a company identifying themselves as RL Capital. The first time they called was 12:10pm. They said I took out a $300 dollar payday loan and I had till 2pm to send them $520 dollars or they would be suing me for $1900. I told them I don't have the money and they said is there someone who can give you $520? They called back later that day and said do you have the money? I responded no. I asked them to send me proof of the debt and they said I can't send you anything in the mail until you make a payment first. They stated that they were able to see the debt owed on the computer but they couldn't send me proof to show what I owed. I contacted an attorney and he told me to send them a letter requesting such documentation stating what I owed. Since writing this letter they have called back 3-4 times and then hangup. They have failed to follow the Fair Debt Collection Practice Act in several different ways.Desired Settlement: I would like to see this company shut down for what they are doing. They fail to follow the rules of the Fair Debt Collection Practice Act and I can see that I'm not the only one having issues with this company.

Business

Response:

ALL CALLS WILL CEASE

Review: This company ([redacted]) is calling saying that I should have already received a packet/or paperwork on money that I owe them ($1500.00). I do not know this company and I do not owe them anything. I have not received any paperwork at my employment or at home. Also, they are calling my place of employment threatening me that they will deliver paperwork to me there and using fowl language. They are threatening to try and get me fired saying that my employer has the right to know what I have done. My employer is aware of this company calling me and my supervisor have spoken to them and asked them to not call several times but they keep on calling!!!!! These people need to stop calling my job lying to them about me owing them money. These people are scammers!!!!Desired Settlement: I want these people to stop calling my job. They have already lied to them and been very disrespectful!!!! Also stop harrasing me for money that I have not received from them. STOP THEM FROM CALLING MY PLACE OF EMPLOYMENT!!!!!

Business

Response:

Complaint ID [redacted]

R and L capital has in fact been trying to reach [redacted] . My office has only contacted Ms. [redacted] via our automated system. We have never spoke to her ever. In her complaint she state I dont owe them anything. We are calling regarding an outstanding debt that she owes. The debt is from a company known as BMG or Hydra Financial Limited Fund II. This was a payday loan that Ms. [redacted] took out. She actually used her bank account with Bank of [redacted] Account #[redacted]. We have sent letters to her home explaining this situation. We do not and have not EVER used foul language on a call with a consumer. All of all calls are monitored and recorded simply so debtors and consumers cannot say that we did something when in fact it didnt happen. At this point simply in the interests of settling this complaint we are going to cease and desist on all further contact with this consumer. This does not mean that she doesnt owe the debt or that the collection process against her will stop, simply that we will not call her any longer. If she should have any questions please feel free to contact our offices anytime.

Sincerely,

Review: this company has called relatives and my home phone while I am away at work. they have acted as if they are the law and taking me to jail and called my wifes relatives saying the same. they call and tell them that I have broken the law when that from what I read is illegal what they are doing. I have every message saved and if this does not stop will take further action against this company. from what I read they are a collection agency but they will not say who I owe money to or wont even say they are a collection agenecy, they act as if they are the police and detectives when they call and that is illegal. I would be happy to hear what and who I owe but will not speak to them after the harrasing messages they have left me and my relatives

Complaint Detailfiled a complaint earlier now they have called my wifes parents saying they have their s.s. numbers and if they do not cooroperate with their investigation that they will be put in jail. mother in law in now in the hospital because of them calling and threatening her. if this is a collection agency they should not be allowed to call and threaten inicent family members that have no idea what is going onTranslateDesired Settlementthey should apologize to mother in law for directly threatening her

ApologyDesired Settlement: do not contact anyone or me by phone anymore and send a letter with who and what I owe in a non threatening way

Business

Response:

WE ARE SIMPLY TRYING TO HELP THE GENTLEMEN , SEEING AS HOW HE HAS A NOT-TO-PLEASANT PAST ! IF HE WERE TO CALL AND ADDRESS THE ISSUE , I HAVE NO ISSUE REMOVING ANY OF THE #S HE HAD PREVIOUSLY PROVIDED !

Consumer

Response:

Review: I was contacted in May of 2013 regarding a debt. The calls were harassing, stating that "I was being sued if I did not respond." I was finally able to speak to a human rather than a machine and was told about an old credit card debt that was up for collection and they were making a final attempt before court. I really wasn't even certain that it was a valid debt but was scared about the court threats and am aware that there were debts that were lost in my divorce a few years ago. I was able to make a deal. The total agreed amount owing was $535.52. I authorized a payment of $267.76 while I was on the phone with them that day and then a payment arrangement of $133.88 on June 21, 2013 and a payment of $133.88 on July 19, 2013. This arrangement would pay the amount owing of $535.52. These dates were chosen based on my paydays.

The company made a debit of $133.88 on June 27, 2013. The company made a debit of $133.88 on July 22, 2013 and then again a debit of $133.88 on July 26, 2013.

I have called the company three times and left three voicemail messages with no return call. I have called my card holder and stated that the last transaction was not authorized and now have to begin fraud investigation procedures. In the meantime, I am afraid to put any money in my account. Not to mention the inconvenience of the funds that they've taken.Desired Settlement: I want written proof that the debt that I paid was a valid debt, as well as written verification that the debt has been satisfied. If it is a valid debt, I want the last unauthorized debit of $133.88 credited back to my account immediately.

If it is not a valid debt, I demand the full amount of $535.52 be credited back to my account immediately.

In either case, this company NO LONGER HAS MY AUTHORIZATION TO DEBIT MY ACCOUNT.

I have looked at the long history of complaints against this company and wish something could be done so that they can stop doing illegal activities and taking advantage of people.

Review: I have been called daily and harrassed by this company. They have left me messages saying they are in route to serve me on papers for TWO FELONY charges!??! This is rediculous. I have not committed a crime and they are trying to scare me into giving them money. I've actually spoke with them once and tried to get things figured out and once again they tried to scare me into getting them money right then and there. I do not even know if these people are legitamite. When I first recieved a phone call a message was left saying that they have been trying to get ahold of me (which I'd never recieved a message prior) and that if I did not call back by the end of the day that I would be sued. So of course I called. The person who answered the phone was the first give a way. He was so unprofessional, did not state a business name. Just a simple hello almost as if it was his personal line. I then asked to be transfered to the number that was left in the message. Spoke with a lady who kept telling me that papers were filed with the judge and the only way to get them to stop was to give them this "said" amount right now. I did not. Then they continued to keep called every day since leaving the same PRE RECORDED messages on my phone saying the same things.

Rebecca [redacted] "My name is [redacted] im a Proccessor [redacted] county calling to advise that I will be in route this afternoon to serve you with a summons it looks like it relating to 2 felony charges linked to the last four of the social ending in XXXX. I cannot go into details because this is sealed document here. But again if you can just have a drivers license available when im in route to have you served it will speed up the process. if you have any questions or concerns you may contact the plaintiffs office at [redacted] ext [redacted]. have a nice day" (how would they know what matters the papers concern if its a sealed document?) (May 30th 2013)

[redacted]- "Hello my name is [redacted] I'm with R and L legal services. this call is to notify you that someone at this phone number has 24hrs to volunteer a statement in regards to several complaints that have been filed against them, our goal here is to list report you as cooperative in this manner. so please contact me at area code [redacted] and ask for me [redacted]. I understand failure to contact us will lead to paperwork possibly being expedited against this individual. Thank you for your prompt response. goodday." (June 12th)

This has cost me a ton of time due to research on the company. Which seems as though A TON of people are complaining on the same issues.

I fealth very threatened by the voicemails and calls. It has gotten to a point causing anxiety and stress levels than much of what I've ever encountered.Desired Settlement: I would love to see this company be shut down for there practices. If that is an unrealistic outcome I would like me to never be contacted by these people again.

Business

Response:

YOU MUST HAVE THE WRONG COMPANY , SORRY

Consumer

Response:

No. You are the right company. I have researched plenty before complaining. Your toll free number is ###-###-####. You claim to be R and L capital. Your address correctly corresponds with the address listed as Rossi and Lombardi aka R & L Legal Services aka R & L capital all of which have been used in my saved voicemails. Because of the reluctancy to work with me I will now be reporting you to Attorney Generals as well as FTC. I am a human being and was trying to be reasonable to first time speaking with you folks.

I have plenty of saved voicemails at this point due to the excessive calling. This is harrassment. Please stop contacting me.

I have attached a photo showing the address does match yours as well as the number.

Business

Response:

all#s have been removed

Review: I have received threating phone calls for 2 days now. The first message you could not understand the person's name & did not state my name. They told me that I have been served & have failed to contact them & they will file contemp with court & have me arrested. The second call was saying I committed a fraud ach from my bank account number & that the state of Michigan is involved & I will be arrested. Then another one consisted of berating me & talking to me like a thug off the streets. There are more messages but no need to go on & on. This is a very unethical way to handle any business concerning any matter. I have not been served with any papers. I have nothing in writing from this company to tell me anything about why they are calling me & threating me in so many different ways. I have never had a business be so unprofessional. I do not respond on those terms to anyone. Especially when I have not received anything from this company or anything in writing. The threats & the calls must stop. I have saved all the message on my cell phone & at my home phone.Desired Settlement: Stop calling & leaving these terrible, threating messages. Contact me like a normal business through the mail explaining what you may need & give me time to respond to whatever matter you have. The calls must stop.

Business

Response:

will cease collections

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I filed a complaint on 5/15/2013 against this company. Complaint ID: [redacted]. It was closed when this business came back with they will remove my number. Monday 6/03/2031 I have started to receive numerous calls again from this company. They are calling it R & L, phone # ###-###-####. Still threating me. Enough is enough. My name is never addressed. I want my phone numbers removed & stop calling me with horrible threats. I still have never received anything in the mail. See my original complaint below. Complaint Data This Complaint is CLOSED Closed As: Resolved (110) Detail: Company resolved the complaint issues. The consumer acknowledged acceptance to the Revdex.com. Problem Nature of Review: Billing or Collection Issues - The company has unethical collection practices Problem: I have received threating phone calls for 2 days now. The first message you could not understand the person's name & did not state my name. They told me that I have been served & have failed to contact them & they will file contemp with court & have me arrested. The second call was saying I committed a fraud ach from my bank account number & that the state of Michigan is involved & I will be arrested. Then another one consisted of berating me & talking to me like a thug off the streets. There are more messages but no need to go on & on. This is a very unethical way to handle any business concerning any matter. I have not been served with any papers. I have nothing in writing from this company to tell me anything about why they are calling me & threating me in so many different ways. I have never had a business be so unprofessional. I do not respond on those terms to anyone. Especially when I have not received anything from this company or anything in writing. The threats & the calls must stop. I have saved all the message on my cell phone & at my home phone. Desired Settlement: Stop Contacting Me Desired Outcome: Stop calling & leaving these terrible, threating messages. Contact me like a normal business through the mail explaining what you may need & give me time to respond to whatever matter you have. The calls must stop.

Review: I have received many threatening calls from this company, and have had 2 conversations with a man who claims to be a lawyer. I can not really make out his name . He threatens to take me to court, have me served and gives a very specific deadline that this matter needs to be resolved by. The company took 2 payments from us, one from my father which we did authorize and one from me. A third payment was agreed upon in which I told them NOT to collect it from my fathers account. They did anyway, without his authorization. He has since filed a fraud cause against this company through his bank. That case is currently being investigated. Anyway about two days later I received a call from this so called attorney stating that they had not received a payment. Which of course was false, since they money had been taken from my fathers account. In response I tried to determine the legitimacy of this company, and from most sources it was as if this company didn't exist. Neither 800 information or 411 information listed any such company. Two bank employees from my fathers bank tried to call the number, and they received a recording stating that this number had been disconnected. I feel as if this company has taken money, and they are not who they claim to be. Now I am being told via a voice message, that unless I settle this money that was returned to my father, I will be charged 4 times that amount because of reverse payment fees ect...Desired Settlement: I would like this stopped and this case settled. I am not giving them any more money or information.

Business

Response:

#s have been removed