R&L Capital

Review: As can be determined from the many complaints filed on this company through the Revdex.com, FTC, and many other online sites, this company is an unethical scam artist attempting to run cons on unsuspecting people by intimidating them into providing personal information in what I believe is an effort to commit identity theft. Although I understand that it is not the role of the Revdex.com to police such activities but rather to provide a medium for businesses and consumers to file complaints and allow the business an opportunity to resolve the complaint, I firmly believe that this company should be investigated by the New York Attorney General's office and served with a cease and desist order. My complaint follows virtually every other complaint received by the Revdex.com regarding Rossi and Lombardi, or R & L Capital, and their modus operandi of incessant daily phone calls in which they address no particular individual (due I am sure to their library of canned robo call messages) threatening legal action if the unnamed individual does not respond to their request.

I know fully well that I do not have any legal issues that need to be addressed nor do I have any outstanding unpaid debt obligations. I am sure that R & L's response to this complaint will be the same as it has been for the others in which they claim that the were provided an incorrect number and that they will update their records accordingly. But I know that they will just add another number to their robo call rolodex and hope that the next target isn't as suspicious and incredulous as I am.Desired Settlement: For R&L to cease and desist this unethical practice and earn their money in an honest manner they way the majority of Americans do.

Business

Response:

#S HAVE BEEN REMOVED

Review: This company violates various collection laws and has not provided validation of any debt owed. They continue to make harrassing and demanding phone calls after being requested not to do so. They have not removed specific phone numbers from their call list after claiming to do so. They are impersonating different people when calling and stating we have certain time frames to call and make arrangements or else, after time frame lapses, calls start over again. They have failed to provide validation of any and all charges from any company they claim debt is for.Desired Settlement: I want this company to be shut down and investigated by the Attorney General of the state of New York for their unecthical practices.

Business

Response:

ACCOUNT CLOSED AND ALL COLLECTIONS WILL CEASE

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.

Regards,

Review: Was called by this company this morning and was told I was speaking with investigator [redacted] from [redacted] State Police, and that I was going to be served a summons for receiving stoledn property and that I was to call ###-###-####. I denied such action and investigator's tone got worse and demanded I call the number to avoid serious repercussions at work when he serves me a summons. When I called same number, I end up speaking to same guy who denies I just spoke to him, but he explains how my not paying an [redacted] credit card bill constitutes receiving stolen property and that unless I paid $748 immediately they would serve me a summons for the crimional offense and never work again. I explained I was in process of filing bankruptcy and he replied looks like you do that every 10 years and then called me a deadbeat and that I need to shell out the money or go to jail. I explained I had no money to pay rent let alone this credit card statement, and he then asked about my wife. I explained she was disabled and they said figures. I read your site where this company has been using illegal tactics and is just a collection agency. I wish to file a complaint against such behavior such that others will not experience the drama and harassment this company gave me. I didnt want to file bankruptcy but we had no other choice.Desired Settlement: Please help me contact the federal agency that prosecutes these companies for illegal collection practices so I may file a complaint there. Also, is there are other suggestions you have that I may use to help halt their behavior immediately? Please advise. Thank you so much, as they called my employer and said same thing so now my job is in jeopardy.

Business

Response:

This letter is in regards to the following complaint standing against R&L Capital LLC ID #[redacted]. I have located the file attached to [redacted] with our office. The account associated with Mr. [redacted] and the debt have been forgiven. Mr. [redacted] account has been closed and all numbers removed from our system. The involved employee has been sufficiently reprimanded and it has been made known that any employee using such tactics as described in the complaint will be terminated without question. Our company strives to follow all FDCPA laws and regulations. I assure my office did not intend to scare or threaten Mr. [redacted] in any way. Again, the account within our office has been closed and Mr. [redacted] will no longer receive any calls.

Thank you.

Review: We have been receiving prerecorded harassing messages for two months at both of our business locations. We've attempted to return the calls to no avail. They always call early in the morning during our high point of business. The recording states that we have to resolve the issue by 6 pm the evening of the phone call or we will be considered non compliant in their "investigation". Every time we receive a phone call we are given a different person to contact and various contact numbers. [redacted], [redacted], and [redacted] are the names given and none of the numbers lead anywhere. They are not directing the calls to our business nor to any individual. This is interrupting our business and the threats are concerning to our staff. We just want the phone calls to stop.Desired Settlement: We just want the phone calls to stop so we can continue running our business as before. We have zero credit issues, therefore there is no need for a creditor to be calling our business.

Business

Response:

PLEASE GIVE THE # YOUR BEING CALLED IN , SO IT CAN BE REMOVED

Consumer

Response:

Review: I have been receiving harrassing phone calls from this company for weeks. It is pertaining to a debt that I owe. They have called my phone, my husband's phone and also my work phone. They are very threatened and rude. I have contacted the person that I owe the debt to and they do not use this company to collect debts. They have called people at my place of work and told them my personal business and also have threatened to have me served with "Government Papers" at work. Or even worse have me arrested. I have received many calls from different people at the so called company. Most of them are only recorded messages. I fell for the scam about two weeks ago and paid them $470.25. I could kick myself after finding out the people I owe the debt to do not deal with them. So basically I am out the almost $500, and still owe the debt to the right person. I am 6 and half months pregnant and I do not need this added stress. I asked for the information in email form and the person has yet to send that to me.Desired Settlement: I want them to stop harrassing me and my husband. I will take care of the debt I owe with the correct person. I would like to ad that I am a government employee and they should not be harrassing me at work. I thought debt collectors could not do that.

Business

Response:

# HAS BEEN REMOVED

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

Review: This company keeps calling my home phone number not saying who the call is for.They are very nasty saying I 'd better call them back or they will report me.To who my mother? I have ALL of their threats recorded.The man that calls keeps changing his name aka [redacted] ,[redacted],and [redacted].This is how they conduct business by lies. The woman that calls says her name is [redacted] she has yet to change her name.These calls have been almost every day for a month. IF THEY HAD ME ON ANYTHING THEY WOULD OF SERVED ME PAPERS BY NOW. If calls do not stop I WILL SUE.REMEMBER I HAVE ALL CALLS RECORDED WITH TIME & DAY STAMP.They'd better fish in another pond!Desired Settlement: TO STOP CONTACTING ME FOREVER,OR I WILL LAWYER UP AND SUE FOR ALL OF THIS HARASSMENT !!!

Business

Response:

# HAS BEEN REMOVED FOREVER

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 received two phone calls from this company. Once they called and didn't leave a message. The second time a [redacted] called and left a message saying that, "it's very important that I call back today and if I don't they will report me as uncooperative and non compliant with this investigation." He told me to call him back at the office at ###-###-#### but he called from a ###-###-#### number. When I called the number back they asked if my name was Lanie Robertson and then asked if I knew her. I told them I didn't and told them my name. I then googled the number and saw that this "business" had been calling other people harassing them.Desired Settlement: I don't want this "business" to call again. I don't want them to misuse my information.

Business

Response:

# WILL BE 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: I have received several threatening voice messages from a [redacted] at this company advising me that a legal packet was sent to my employer or home and had to be signed for. He then went on to share that he needed to speak to me about page 15 regarding my upcoming hearnigs, as he needed to get my statement. He further shared that this is a serious legal issue that I am being taken to court for and I need to contact him immeditaley prior to my hearing date. When I call to get information I am threatened with divulging details I am not comfortable as I do not know anything about this. The gentleman who left a message used very imanppropriate scare tactics, and threw around the threat of legal action.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:

This letter is in regards to the following complaint against R & L Capital LLC: File #[redacted]. I have located the file attached to [redacted] Anne [redacted] with our office. The account associated with Ms. [redacted] and the debt has been forgiven. Her account has been closed and all numbers removed from our system. The involved employee has been sufficiently reprimanded and it has been made known that any employee using such tactics as described in the complaint will be terminated without question. Our company strives to follow all FDCPA laws and regulations. I assure you my office did not intend to scare or threaten [redacted] in any way. Again the account within our office has been closed and she will no longer receive any calls.

Thank you,

Review: I have been recieving numerous calls from "R&L Capital", each time with an increasingly more unpleasent voicemail message left, the last one ending in "you HAVE been NOTIFIED." They claim to be contacting me regarding a bad check......I do not have checks, and therefore do not write checks, bad or good. I have never recieved anything in the mail from this company, just voicemails from an "Emily Adams" wanting me to call back at ###-###-####. If it were not for the nasty tone of the caller, I would have given them the benefit of the doubt, since I dont use checks, and assumed it was a simple error. But now i'm rather irritated.Desired Settlement: Either send me a letter itemizing and detailing this "bad" check transaction, or refrain from contacting me until one can be provided.

Business

Response:

all she needs to do is call us

Consumer

Response:

"All she has to do is call us"? That's actually considered a useful response to a complaint? I made it very clear: I do not have checks, do not use checks, so this "bad check" isnt making it very far with me. If said company has an account of mine, I'd like it sent to me in writing via post as previously stated in my initial complaint.

Regards,

Business

Response:

just call the office

Review: I have received 3 calls today alone from this company, and once yesterday. They also somehow got my mom's phone number, who I haven't lived with in 15 years, because I am a grown woman.

6/18 10:19 AM: Sounded like first line was a cut off from a recording and it sounded like he didn't even know his name, like he read it from a script. He said hello, my name is...and he paused then said it. Said his name was [redacted] (?) from RL Capital. Has been trying to reach me and wants to try to help me. Need to call by 6 PM or he will have to report that I am uncooperative. He called from ###-###-#### and said to call ###-###-####.

6/19 11:03 AM: [redacted], paralegal from R&L Legal Services. Stated she was following up on some paperwork she sent out to me in regards to an affidavit that's going to be filed with my county. To avoid an appearance ticket contact ###-###-####. And she left me a reference case number. She called from an "unknown" number. This is the same woman that called my mom right after she called me and told my mom that I would have to go to court if I didn't call back and tried to get my mom to give her my address.

6/19 11:40 AM: SAME EXACT message from yesterday from [redacted]. CLEARLY a recording.

6/19 4:36 PM: [redacted] of RL Capital stating his associates have tried to reach me unsuccessfully and there are some issues and paperwork I need to fill out. He said his direct line was ###-###-#### and the toll free # was ###-###-####. Very important he hear from me by 6 PM, if not, he will have to let his associates and client know that I was uncooperative and non-compliant in the investigation. This man, had the same EXACT voice as "[redacted]".

I am reporting them to the Revdex.com.Desired Settlement: Stop contacting me and my relatives.

Business

Response:

NO MORE CALLS TO DEBTOR

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.

Since I have received this message, I have gotten two more phone call recordings from this company. I actually answered one of them and it was a recording telling me to call them. I also do not like the wording the sent back to you: "NO MORE CALLS TO DEBTOR". I am not a the debtor, I have no debt that they are pursuing. They are scam artists that try to get people's social security numbers. The two recent phone calls came from ####-###-####. I think they need to be told again and they need to watch what they call people.

Regards,

Review: This company has been calling for weeks, sometimes up to 3 times per day, stating that there was a warrant against me for check fraud and they needed to speak to me or my lawyer. They did not leave the name of the person they were looking for, and since I knew there was no chance of this being true, I treated it as spam robocalling and ignored it. Finally, they left a message with the name of the person they were looking for. This person's name and address is not connected to the phone number they are calling. I tried calling them several times, only to have the phone ring and ring (even though I called during the hours left in the voicemail). Finally one night I got a generic voicemail box. I left a message explaining the situation, and informed them that if they called again, I would report them to Revdex.com. Naturally, they called again. I have recorded versions of two of their voicemails if needed. I want them to remove my phone number from their files, and not call again. I do not want the name or phone number published in the complaint, but will more than happy to provide this info directly to a Revdex.com representative by email or phone. Thank you.

Business

Response:

To whom it may concern;

in regards to this complaint , our office has strict guidelines as to phonecalls in relation to all F.D.C.P.A. laws and regulations. We do dispute the validity of this complaint, however we are going to remove all phone numbers in association with the account and will assure you the customer will no longer be contacted via phone and all coorespondence will be done through regular mail . Thank you

Consumer

Response:

As indicated, I have audio proof of two calls made to our phone, which makes my complaint "valid". However, I will accept this resolution.

Regards,

Review: On October 24, I found a message on my cell phone indicating they were looking for [redacted], an old roommate of mine. The call was a recording indicating they would be at the house tomorrow, with a police escort to serve legal papers, that they would be accompanied by the law as well as he was in serious legal trouble, was going to be charged with a felony theft from a store, taking items without paying for them. The message went on for a few minutes, all of it threatening, telling him he needed to be home to get served tomorrow. There was a number at the end of the message which I immediately called. This guy also was very threatening, actually yelling at me a couple of times. He told me he had info on me, as well as Mr [redacted]s second wife from whom he is divorced, and that they were going to charge all three of us with felonies. He tried to tell me that I co signed on a credit card, and this is the charge he is using to threaten us, indicating that the state of michigan states that you can now be charged with a felony if you do not pay off the total on a credit card. I tried saying I did not co sign, he stated I would be charged anyway and that he would be at my house with the police. I have since looked up Michigans laws and it states you cannot be charged with a legal crime for owing on a credit card.

I told him Mr [redacted] had not lived with me for about three years and he asked me why I had him living with me anyway. I started to explain, which I shouldnt have, none of his business, but he quickly jumped in and said never mind, they would be out to serve all three of us.

I felt very bullied, he attempted to manipulate, gave me personal information about someone else without knowing who I was

I understand in Michigan that I can have them prosecuted for making these calls.Desired Settlement: I wish these guys could be criminally charged as they are walking a very thin line with their threats. The work on intimidation. I want my number ###-###-#### off of their call list. If they call again, I will record them as allowed by law when they are in violation, and I will file charges against them.

Business

Response:

This letter is in regards to the following complaint against R & L Capital LLC. I have searched our system for an account belonging to a [redacted]. No such account exists with our office. Multiple phone numbers are listed on each of the thousands of cases with our office; unfortunately this is just a case of an incorrect phone number being listed on an account. The involved employee has been sufficiently reprimanded and it has been made known that any employee using such tactics as described in the complaint will be terminated without question. Our company strives to follow FDCPA laws and regulations. I assure you my office did not intend to scare or threaten Karen in any way. Ms. [redacted] number has been removed from our system and she will no longer receive any calls.

Thank you.

Review: I get calls accusing of legal action and when I call they can't identify me by the phone number they try to contact me with (###-###-####) no will they discuss the matter with until I give my name and social security number. I ask for the guy who leaves me the messages ([redacted]) but he is never available. I told me to [redacted] me a summons that they keep threatening to do even though they can't identify me and stop calling. I have saved these messages and can provide them upon request.Desired Settlement: If I owe them money please provide a bill and if it is legitimate it will be pid promptly, otherwise they must stop contacting me immediately. My next step will be to contact the police and look into harassment.

Business

Response:

WILL CEASE ALL COLLECTIONS FOR YOU

Review: I have been receiving a call from R&L Capital informing that that they have been trying to contact me over an investigation and that I will be reported as uncooperative and unresponsive to a complaint from 2 numbers, ###-###-#### and ###-###-####. I have never received anything in writing informing of an 'investigation'.Desired Settlement: I would like a written correspondence of what I am being investigated for. If this is in error, I would like for the calls to cease.

Business

Response:

NO MORE 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: Receiving multple threatening calls that state the caller is [redacted] and or Mr [redacted]. These calls have been continuing for months stating they are filing a case againt me but never state my name or what the case is in reference to. The calls are obvious recordings because when a voice mail is left the message starts at the tail end and the restarts agin. I am tired of this harrassment. If there were are true claim then serve me the papers. Have delt with fraud like this before.Desired Settlement: Either the calls stop or my lawyer will make them stop. I want my number removed from your list FOREVER

Business

Response:

the phone # has been removed , however we would be more than happy to speak with her

"ATTORNEY"

Review: This company calls constantly, threatening messages. Everything I read is this company is fradulant.Desired Settlement: I am on the do not call list and the company should pay a penalty.

Business

Response:

# is removed , sorry

Review: This company left several non compliant messages on my cell phone voicemail and clearly have unethical collection tactics. They don't ask for a person's name but leave threatening messages saying they are serving papers to my place of business or home and that I will be taken to court . I will not deal with them in regards to this. The voicemails 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 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 or serving papers for.

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 757-470-2909 has been removed from our office and Ms.[redacted] will not receive any further calls. Again no such account exists with our office for [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.

Review: This company calls all contacts numbers they have for me atleast 3 times a day. Someone named [redacted] called and left a message saying she was from R&L. The number she left on the voicemail was ###-###-####. I decided to call the number back to see what she wanted. She said I had a balance due from 2010 and they would take me to court if I didn't pay. I exaplained to her I do not remember this balance, but if I owed it I would like to make payment arrangements. I also explained to her, I am currently not working(was just told by a previous co-worker they are calling the job number as well) and the amount I will be able to pay. She put me on hold to get "the lawyer" and he was rude as soon as he got on the phone. He never told me his name, just explained to me I needed to pay the balance due today or he would take me to court on Tuesday or Thursday of next week. What I don't understand is if you saying I have a balance due and i'm willing to make payment arrangements, why is this not execptable? If I do owe a balance, I need it in writing. Also, if you they are unable to reach me, anyone they are able to contact, they tell them I have a balance due and they are going to take me to court. They have also called me from a ###-###-#### and ###-###-####. This company is very rude and I no longer want to be contacted by phone.Desired Settlement: ANY CONTACT NUMBER YOU HAVE, DO NOT USE IT ANYMORE. THIS COMPANY IS VERY UNPROFESSIONAL AND I'M SICK OF THEM CALLING ME EVERY DAMN DAY FROM 8AM TO 9PM. THIS IS CALLED HARASSMENT AND IT NEEDS TO STOP TODAY. IF YOU NEED TO CONTACT ME, IT NEEDS TO BE IN WRITING ONLY. ONCE AGAIN, STOP CALLING MY NUMBERS, MY CONTACTS AND PREVIOUS EMPLOYER. IF THIS CONTINUES I WILL TAKE FURTHER ACTION.

Business

Response:

ALL #S HAVE BEEN REMOVED

Review: We are a business receiving multiple calls (recordings) per week from "[redacted] or [redacted]". The calls do not indicate the company they are collecting for or whom the message is for. The recordings simply state that he would like to take care of this serious matter before taking legal action and a call must be returned by 6pm the day he is calling.

There is not a debt owed by this company that is in collections. There is no way of knowing if this call is for an employee. These calls are harassing and a nuisance. They are interrupting our work day.

If there is a legitimate debt owed, then proper contact should be made to the correct person with detailed information.Desired Settlement: They need to stop calling us immediately and remove our number from their contact lists.

Business

Response:

# HAS BEEN REMOVED