R&L Capital

Review: I received a voice mail from R & L Capital (Rossi and Lombardi) on my mother's cell phone number. The message stated they have filed a complaint in my local court and documents have been sent to my home and my place of business. This is the first time anyone from R and L Capital (as they now go by) or Rossi and Lombardi has tried to contact me. I tried searching my local court and there has been no paperwork filed in local courts. I try to contact someone at one of the many numbers I have found for Rossi and Lombardi or R and L Capital as they are now going by, and the number just rings and rings and rings. Finally I let it ring for a few minutes and left a message for them to return the call as I have no clue as to what this billing is for. I feel like this is a scam, as a legitimate bill collector will not leave such detailed info on an answering machine due to privacy laws. [redacted] is who left the message for me from the company. He left a call back number of ###-###-####.Desired Settlement: I wish for the company to produce some proof that whatever they are trying to collect from me is legitimate. I have never heard from this company, or seen any documents in the mail that shows I owe them for anything? I want them to stop contacting me and remove this information from my name and my credit bureau (if they are reporting) as it does not seem legitimate.

Business

Response:

To Whom it may concern:

Our office is a collection agency. We are collecting on behalf of your creidtor [redacted] Credit Card. You owe them $663.45. The matter is outstanding on your credit report as well. I have attached a letter showing all the original information, Original Account number, balances, ect. I would suggest you look on your credit report to see that this account is outstanding. At this point in time, we have obtained an attorney in your state and plan on pursuing judgement against this account if you choose not to pay it. The reason our phone rings and then goes to voicemail is because you continue to call our offices after we are already closed for the day. Our hours of operation are Monday through friday 8am til 5 pm EST. Please call us during normal business hours and we will be happy to speak with you.

Sincerely,

Consumer

Response:

I have not had a credit card with this company. I have not seen any documentation in the mail from this company or the company I am currently disputing. I would like to have proper documentation sent to me showing that I originated this bill and I owe R and L Capitol anything. Please also provide me with the name of the attorney in my state you are using so that I may have my attorney contact them. At this time, and I am disputing that this is even my account as I have not seen anything g in the mail. Also, I do not think privacy laws are being followed when you clearly state on a voice mail that you are taking me to court over an unpaid bill I know nothing about.

Regards,

Business

Response:

Here is the original creditor infomation. This was definatly your card. you made payments on the card from 09/06/2006 when you opened the card all the way til 07/11/2008. The matter is also on your credit report, pull a copy of your report and you will see. You had the chance to dispute it several times with the origianl creditor when they offered you the chance to dispute it, you choose not to. I would be more then happy to speak with you regarding the matter if you would like give us a call. I would advise you to go and pull your credit report and see that the tradeline is on there with experian. I hope this helps. I would be more then happy to speak to you, I show your wife left us a message we tried to call her back and got no response. If you dont want to handle it dont, we are not trying to pressure you, you simply need the infomation to make an educated decision on your behalf. They are trying to resolve before the account goes out of the statue of limitations.

Sincerely

Consumer

Response:

I am sorry, I cannot accept the resolution at this time. None of the paperwork is coming through. Please mail all documents to me as I have not seen anything and I am trying to dispute, but have no papers to dispute. Also, I was told this has been sent to an attorney in my state. Please give me the attorney's info so that I may have my attorney contact them. I cannot accept this resolution as you have not provided me with any proof. No attachments are coming through and I need my attorney to look at the documents. Please mail me a copy of the original credit agreement, payment history, any proof that another company purchased this debt, and proof that you are collecting on their behalf. I just cannot accept that this is something I owe just on another person's word alone. I have yet to see any documents from anyone, ever for this debt. The company does not sound familiar to me, mate and just because it is on my report does not prove it is my debt. This is why I am requesting paperwork. I will also send this request to your office in writing. Again, the please provide me with the attorneys info so we can resolve this matter. I will wait for the documents requested.

Regards,

Review: I have received numerous phone calls at my place of business (10/17,10/18/10/22,10/25 and 10/30 to be exact). In all the pre recorded messages I am told that there is a complaint filed against me and that they need to contact them so we can discuss page 15 before the trial date. I have called them back not giving my name, just the phone number that they call. And they will not confirm who they are looking for. These calls are annoying and disruptive and wish they would stop. My boyfriend is an attorney so the next step will be to sue them for harassment.Desired Settlement: a check for $1500 to reimbursement me for the time I have spent hunting these people down

Business

Response:

This letter is in regards to the fo llowing complaint standing against R & L Capital LLC: File #

Review: R&l continually calls my phone and when I answer the say that their filing charges on me for a loan that I never received and saying that money was put in a bank account with bank that I never never used and that I refused. To pay it back asking for my ss# and wont give me any info so I can check into it furtherDesired Settlement: For them to quit contacting me

Business

Response:

WE ARE SIMPLY TRYING TO COLLECT A DEBT

Review: This company has been repeatedly harassing me. They call my employer multiple times each day and my cell phone threatening that they are bringing a sheriff to my place of employment and that they want to discuss "page 15" of some sort of packet. I called back and informed them that no paperwork was received and to give me the details of this page 15 but they claim they did not have it. I asked for the date and time of the hearing date that they said was coming up quickly and they said nothing has been filed yet. This company is a complete SCAM, and federal charges need to be filed against them, along with civil suits filed as well.Desired Settlement: I demand that they CEASE AND DESIST ALL COMMUNICATION WITH ME.

Review: This company continually calls our home number with vague legal threats and something about an ACH transfer. We've never heard of them nor have we received any correspondence from them. We have no outstanding bills and are tired of this harassment. They never ever leave the name of the person or persons they are trying to reach. My husband is an active duty Naval Officer who is gone much of the time and I do not need this stress or continual harassment.Desired Settlement: Stop contacting us or I will contact the Naval Base Legal Office.

Business

Response:

ALL THEY HAVE TO DO IS SIMPLY CALL AND SAY WE HAVE THE WRONG NUMBER .....THE PHONE # IS NOW REMOVED

Review: This company has repeatedly broke the laws of the FDCP Act. They have called my place of employment, wife, and relatives that have nothing to do with my daily business. I don't even know how they got my sister's information as I have never used her for any type of reference. They misrepresent their business as a law firm. Every time they call myself or my relatives they claim to be a law firm looking to serve me legal papers as they claim I am in trouble with the law over fraudulent checks. I have not written bad checks nor is anyone trying to serve me papers. I have googled their company and they do a lot of collection work for payday loans. I do not have any pay day loans. Also, you will note in the the FDCP Act in Section 818 (b) pay day loan debt is not considered bad check writing. (Just a little sample of how they are breaking the law) Every day they call claiming that I have till 6pm or they will hand over my information to authorities and that I will be really sorry. I have the voicemails to prove it and if they continue to claim I can be arrested and that they are attorneys (which is illegal as they are not) I will be forced to turn over all telephone recordings and information to my company's legal office as they provide all employees with pro bono services. They have reviewed the voicemails already and have stated there are atleast a dozen laws broken in the voicemails, which are often almost 2 minutes long.Desired Settlement: My desired outcome is that they immediately stop calling all friends and relatives of mine along with my place of employment and me personally. Any more calls or collection attempts will spur on a lawsuit by me and my representatives immediately. I have all the ammo I need in the voicemails to win in court and prove that many statutes within the FDCP Act have been violated. There are enough violations in these voicemails to levy major fines by the FTC.

Section 804(b) has been violated

Section 806 (1) has been violated

Section 806 (5) has been violated

Section 806 (6) has been violated

Section 807 (1) has been violated

Section 807 (2) has been violated

Section 807 (3) has been violated

Section 807 (4) has been violated

Section 807 (5) has been violated

Section 807 (13) has been violated

Section 807 (14) has been violated

Section 809 (a) 1-5 have all been violated

The only possible outcome is that all calls and attempts to reach my family or myself stop asap!!

Thanks

[redacted] M [redacted]

Business

Response:

#s will be removed

Review: This company has repeatedly broke the laws of the FDCP Act. They have called my place of employment, ex-husband, and relatives that have nothing to do with my daily business. They misrepresent their business as a law firm. Every time they call myself or my relatives they claim to be a law firm looking to serve me legal papers as they claim I am in trouble with the law over fraudulent checks. I have not written bad checks nor is anyone trying to serve me papers. Every day they call claiming that I have till 6pm or they will hand over my information to authorities and that I will be really sorry. I have the voicemails to prove it and if they continue to claim I can be arrested and that they are attorneys (which is illegal as they are not) I will be forced to turn over all telephone recordings and information to my company's legal office as they provide all employees with pro bono services. They have reviewed the voicemails already and have stated there are atleast a dozen laws broken in the voicemails, which are often almost 2 minutes long. I have attempted to get a mailing address from them which results in me being hung up on.Desired Settlement: My desired outcome is that they immediately stop calling all friends and relatives of mine along with my place of employment and me personally. Any more calls or collection attempts will spur on a lawsuit by me and my representatives immediately. I have all the ammo I need in the voicemails to win in court and prove that many statutes within the FDCP Act have been violated. There are enough violations in these voicemails to levy major fines by the FTC. Section 804(b) has been violated Section 806 (1) has been violated Section 806 (5) has been violated Section 806 (6) has been violated Section 807 (1) has been violated Section 807 (2) has been violated Section 807 (3) has been violated Section 807 (4) has been violated Section 807 (5) has been violated Section 807 (13) has been violated Section 807 (14) has been violated Section 809 (a) 1-5 have all been violated The only possible outcome is that all calls and attempts to reach my family or myself stop asap!!

Business

Response:

ALL #S ON THIS ACCOUNT HAS BEEN REMOVED .,....ALTHOUGH THERE IS STILL A LARGE DELINQUENT DEBT TAHT NEEDS TO BE IMMEDIATELY RECTIFIED TO AVOID LITIGATION

Review: 12/31/2012

I was notified by Rossi & Lombardi that a debt of mine held with First National Bank in regards to a Legacy Visa account opened in 2005, had been turned over to them for collections. The representative that called told me that the amount was $563.39. We discussed payment amounts and settled on $20 a month with 8/2/13 being the time they would call again to "reset" the amount or provide other payment options. 12/31/12 I paid the initial payment of $20 with my debit card, Authorization #[redacted]

My bank statements reflect the following deductions from R & L CAPITAL LLC CHEEKTOWAGA NY

01/02 $20.00

01/19 $20.00

02/16 $20.00

03/16 $20.00

04/13 $20.00

05/13 $20.00

06/10 $20.00

07/08 $20.00

07/10 $403.39

I can get a detailed report of these deductions from my back and fax them to a verified attorney.

I have canceled my debit card 7/11/13 and a fee of $15 is applied for a new card (I would not have to cancel if they had not abused me); I think they are responsible for this fee as well.

They are no where on my credit report as a collection agency with the above mentioned account. The Legacy Visa/First National Bank account as of 7/11/13 is follows:

Account History:

Charge Off as of Jan 2010 to Dec 2011, Mar 2007

120 days past due as of Feb 2007

90 days past due as of Jan 2007

60 days past due as of Dec 2006

30 days past due as of Nov 2006

When I noticed the $403.39 deduction I got their file out of my cabinet and realized they had not sent me any verifying letters on this account (RED FLAG AGAIN)

I looked online (Google) for their website to get a phone number and called them at ###-###-####. they were closed but I left a very irate message for them to call me back.

I called my bank immediately after and was advised to file a dispute of charges with them and that would mean to close my debit card (fee involved).

7/12/13 8:16 a.m. I called R& L back and spoke with "[redacted]" he gave me a direct line to him ###-###-#### or use his extension (100) when using 855 #

He was hostile with me, belittling me, saying I owed this to them (or Legacy Visa) and that I had NEVER made any payments to them. I told him I in fact had been paying since Dec 2013 and he told me to prove it and to watch my tone with him; after he'd been yelling at me. I stated for him to watch his tone with me since he was to be the professional. I then told him I had been in contact with the Revdex.com and the FTC and he better comply, he changed his tune. Said he would look into refunding my money and for me to call back later in the day or Monday at Noon. I called back at noon (11:19 a.m. my time CST) and got his voice mail, 11:20 a.m. I called back on 855 number using his extension and got his voice mail, 11:21 I called 855 # getting operator and I asked to speak with "[redacted]" (I would swear it was he who answered the phone) they asked who was calling so I told them and was transferred to his voice mail. My boyfriend called him immediately after I hung up using his name (not mine) and spoke with "[redacted]" and "[redacted]" stated that I owed them the money; so that told me his "looking into a refund" was only a ploy to get me off the phone and he was avoiding my calls.

since BB is closed between 12-2 I had to wait to call them.

1:10 p.m. CST I called the Revdex.com and they informed me to call Attorney General in Buffalo, NY to report my claim with them, as well as with the Revdex.com.

1:34 p.m. CST I called the Attorney General and they are sending me a form to file with them to add to their case against this company.

I have done all this, and yesterday I was diagnosed with Mono so I am not feeling the best and now have to deal with this!!

Everything I have stated in this statement can be proven with copies of phone records, and bank statements. I contacted my attorney as well, unfortunately, he is out of state, but if something is not resolved by the time he is back, I WILL proceed in that direction.Desired Settlement: I want refunded the amount stolen from my bank account and the amount to cancel/renew debit card

$563.39 + $15 = $578.39

However, I am sure I will have fees for overdrafts and returned checks later!!!!!! This is just the amount now that I know.

I would also like this company closed down so others are not put in this position.

Business

Response:

The account will be reviewed , and if a refund will be immediately returned if it was simply an error on our behalf

Consumer

Response:

Review: On 8/14/12 this guy calles my ex husband says he is with the california state legal services "don't exist" says that they don't heir from me today they were sending police officers to my house for an arrest for felony fraud check cashing . My ex calls me I go over scared to death because I've never written any badchecks. The only leaves a name and a number but not his number. So I call the number this guy [redacted] answers the phone hellow not Rossi & lombardi. I told him what was going he said yes thay if I don'tpay 410.48 by 8/16/12 that he is reporting me to the fraud department and this is a felony that I was being charged for trying to defraud a bank. Today he told me that he is a legal assistant and the they are a.law firm. Yesterday I had to call back to get the name of.the bussiness. This company should be shut down for the way do there collections it's unethical.and against the lawDesired Settlement: I would like to press charges against this company. Thats not possible They need to be shut down. They broke more laws than I can shake a stick at. Trying to scare people threatening jail.

Business

Response:

Dear [redacted],

Review: This company has repeatedly violated my rights under FDCPA by threatening me with legal action, incarceration, claiming I will lose my job, pretending to be attorneys and that they've served me with legal papers. They've made several false accusations of check fraud and stated that the Sheriff was on his way to arrest me. They called my family/friends numerous times telling them that I'm going to be arrested and if I don't call them back "the situation will unfold badly upon me." My family/friends have asked them numerous times to STOP calling and I've written a CEASE & DESIST letter to which they have completely ignored and continue to harass us several times a day for months now. They use false business/department names, titles, addresses...it's completely obscene that they continue to do business at all!Desired Settlement: I'm continuing to document their harassment and utilize telephone recording devices for any conversations we have. I'm filing a complaint with the Federal Trade Commission and the Attorney General’s office in my state. And you better believe I will pursue any and all civil/criminal remedies available to me by law. This company is completely unethical and needs to be shut down, as well as, prosecuted to the fullest extent!

Business

Response:

This letter is in regards to the following complaint standing against R & L Capital LLC: ID#

Review: This place continues to call and harrass me at work and on my home phone telling me I will go to jail and that I am a thief and a loser and that I have a case # to appear in court. All regarding a credit card that I had not paid all the way off in 2008 for [redacted]. My husband was laid off and was diagnosed with menagitis the same year we fell behind on our bills. I support the house on my own. I have explained this time and time again. So I did some research on these people after being threatened and called names and telling me they are going to come down to my job and tell my boss what kind of person they hired also said they were going to summons me. told me I was going to jail for stealing I never have stolen anything in my whole life. it's all lies I have no summons or court date nothing. they are crooks from what I have read and researched on. I even got my step father involved and they said they would stop the phone calls but have yet to do so. I can loose my job for something like this. my job is the only thing my family has right now. I never felt so violated and scared by a stranger before. had me in tears cause I never dealt with anything like this before so I had no idea. they need to be stopped on trying to take advantage of people and the way they treat people just to get a commision. the money does not even go to your credit it goes to them and does nothing for the consumer.Desired Settlement: I want them shut down. if you search them on the internet you will see how many people are harrassed and treated poorly and threatened time and time again

Business

Response:

This letter is in regards to the following complaint against R*L Capital LLC: File #[redacted]. The debt associated with this complaint and the account associated with it in our office has been forgiven. The individual employee involved in this case has been sufficiently reprimanded as to unsure no further complaints of this nature. It has been made known that any employee using such tactics as stated in the complaint will be terminated immediately without question. Our company strives to follow all FDCPA laws and regulations. We take any and all violations of this kind very serious and are sorry for any inconvenience this may have been to [redacted]. Her case has been located and, as stated, is now forgiven. all attached phone numbers have been removed and his account has been closed.

Thank you,

Review: This company calls me everyday, yet they never tell me what the collection is for. They are very threatening, in the matter that if I don't return their call by 6 pm they will list me as uncooperative .. most recently 4-30-13 a lady called me saying she is from an independent processor from the state of California, and she is going to come to my home and serve me court papers between 2-4 pm. She went on to say if I am not there to receive the papers that she will have a "WARRANT ISSUED FOR MY ARREST" . I asked what this was for and she said that the documents are SEALED AND SHE HAS NO INFORMATION ABOUT THE DOCUMENTS. This is no way to collect a debt....Desired Settlement: Send me a letter stating who they are and what the collection is about , and when I get a job I will make arrangements to re pay.

Business

Response:

no more calls

Review: I was told by an employee that a little over $1300 was owed and that if make two payments for the total that my debt would be payed. I never received a letter stating that I had payed the full amount. So I called back to get my letter, the employee that got the phone stated that what I owed was a lie and said I owed an additional $354. I disagreed with the additional and informed her that I will not pay anything. After getting of the phone with the employee my card was charged anyway without my consent.Desired Settlement: Refund the unauthorized charge and send me the paid in full I was promised previously

Business

Response:

NO MORE CALLS

Consumer

Response:

Review: Claim to be suing me for a debt that cannot prove I owe. Insist they cannot provide me with documentation of the debt without going to court, called my place of employment, made threats to garnish my wages and freeze my bank accounts, did not honor my requests to stop calling, very rude and disrespectful on the phone.Desired Settlement: I want to stop receiving phone calls from them or their partners, I ultimately want the company exposed to the public and shut down and possibly criminal charges for harassment, stalking and fraud.

Business

Response:

cease and desist

Consumer

Response:

Review: Starting mid March this company started calling me. The message they left said that they had been trying to contact me regarding a collection account and if I did not get back to them by 6 pm that they were going to start legal proceedings. When I called back to speak with the person who left the message I was told they were unavailable. I was told what the collection account was about and I told them that I had already paid off this account. I have forwarded them the letter stating that this had been paid and given R & L Capital the contact information for the company that I paid off. Even after all of this I have been receiving 2-3 calls a day. When I answer the phone I am met with a pre-recorded message that says they have been trying to get in touch with me for the past week and I have failed to contact them. Today Wednesday 4/10, I spoke with the company and said I had already paid this bill, they said that unless I can prove to them I paid it they would start legal proceedings, I told them I emailed them twice the letter stating this account has been paid, and they were more than welcome to take me to court. 5 hours after this conversation, I received yet another call saying they had been trying to get in contact with me. Not only are they harassing me but they've also been harassing my elderly grandparents. I have never received any paperwork from them regarding this matter, only threatening phone calls. This needs to stop.Desired Settlement: I want this company to stop calling and threatening me and my family members.

Business

Response:

# HAS BEEN REMOVED ... HAVE A FANTASTIC DAY

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 was contacted by the above agency on November 13th by incoming phone # ###-###-####. I was then told to call ###-###-####. I then called the number and was informed that they would look up my information and this was an attempt to collect a debt. A male then got on the phone and told me that they had legal paperwork in their office in regards to a civil matter in regards to a blaze mastercard debt that I owed. They said that I frauded the credit card company by altering, falsifying my income in order to obtain the credit card. I also owed a balance on the card and I had an hour to make arrangements otherwise I was going to be served these papers and my cost would triple. I then stated that I wanted to make payment arrangements but didn't have my debit card on me. He asked if I had a girlfriend or child which is none of their business. He then stated that I had an hour to respond. I also stated that I have been paying many debts that I have had in the past and would make arrangements with this debt. The male then said you haven't been paying your debt, we have access to your credit report and it doesn't reflect that you have been paying any of your debt. Get back to me in an hour or your going to be served. I ran home from work and then proceeded to call them back. I made payment arrangements with them in the amount of $301.11 which is to be debited from my bank account on November 19th. I also requested a reference letter in regards to the account to be sent via email. Which was recorded over the phone, which I agreed to. I was told that I would get the confirmation agreement letter the following day on November 14th. I also asked them for their address and name of the business. They told me the name and address and how the debit would appear on my account. I then tried to locate their information on the internet and was unable to attain it from the information I was given. I then called them back and asked again for their address. I was then disconnected and the male who I had spoken to called back. He asked me why I was inquiring about the address. I told him I needed to look out for my interest in this matter as well. He then stated that what difference does the address make. I told him I wanted to make sure they were a legitimate law office. He then said I suppose now you aren't going to honor your payment arrangement. I said that is not the case I just wanted the information for my record. He didn't give me the address and hung up on the phone. I never did receive the requested email and I phoned them again on November 15th. I was told by staff that they would send it right away. Still no email. I was however able to get their exact name when my call went to their answering machine. These types of debt collection harassment is absolutely awful. I have dealt with debt collections before and they are nice and willing to work with you. This experience gives debt collectors a bad name.Desired Settlement: I am not sure if I should let the payment go through on November 19th, beings I haven't received the requested email I was told I would get for my records. I have no problem with repaying my debt, however I do not ever want any phone calls again from this so called debt collection/law office again.

Business

Response:

Complaint# [redacted]

Dear [redacted],

Our Offices R and L capital have in fact spoken to you regarding your [redacted] Preferred Credit Account. The original account number showing [redacted]. We have come to an agreement of $301.11 that is due in our office on November 19th 2012. This comsumer did in fact set up a post dated credit card payment that was authoizred on a recorded line with our office. We have also requested an email sent to him which was in fact sent to him yesterday after the phone conversation. We emailed this letter directly to his email address of [redacted]@Hotmail.com. If for some reason he has not recieved this letter he is more then welcome to contact our office. We would like to ensure that he recieves this letter because this account really does need to be resolved. We can also ensure the consumer that we will not contact him ever again regarding this account as long as on Novemeber 19th the payment for the amount of $301.11 clears the bank. At which point we will go ahead and send a paid letter to him.

Sincerely,

Consumer

Response:

I have received the response and also received a call from the manager. I fully intend to follow through with the arrangement for payment that I agreed to. I also did finally receive the email that I had requested. They ended up having the incorrect email address on hand. I just wanted to bring light to their methods of inappropriate and unprofessional tactics to collect a debt. I am glad that I will be done with this company all together. No further notifications are necessary. I have checked other claims brought against them and it is pretty similiar in unprofessional tactics to collect debt. Just glad I am done with them.

Regards,

Review: This company has been calling my home, cell phone and my mother in law for 2 weeks stating that I should have already been served either at home or my place of work. They never leave any other information just that I should call them and that I had a pending court date and I had 24 hours to respond. This evening I called them back the woman I spoke with was incredibly rude I was mortified with how she spoke with me. I asked if they were a law firm and she said no I then said I researched the company and I was not sure of their credibility to which she told me to google [redacted] I told her [redacted] was not harassing me everyday. She told me that they have not been calling me for as long as I stated and that I was a liar to that I replied that I have all the messages which really seemed to upset her. She asked who I spoke with there and I informed her that it was a recording and messages she said that she felt sorry for whoever had to talk to me to which I responded "excuse me" she then went on to say she felt sorry for my mother, I informed her that my mother had passed and she said thank god for that because now she does not have to deal with me. I have never been spoken to that way. People should not be allowed to harass me with no or little information being given and then speak to me that way when I do call them back!! I have received any documentation from this company concerning anything.

Business

Response:

To whom it may concern:

Our offices have in fact been trying to reach [redacted]. We have sent correspondence out that is requred per law. We sent a dunning notices to the debtor on several occations to an address [redacted]y NY 12549, explaining the reason we are calling. We have a debt in our office from a company by the name of First Legacy (First National Bank) The account number of the credit card is [redacted]. The debtor charged a balance on this card in 2009 and then refused to make arrangements to repay the debt. At this time our office has placed the account into a closed status and we will not attempt to call the debtor any further. This does not mean that she doesnt owe the debt simply that we will not attempt to reach her any further. It is a possibility that the account will get sold to another collection agency and that she will have the same problem months down the line with another company. This is what happens when bills are unpaid. Ihave attached a letter to this complaint which shows the purposes of our calls in the first place. Hopefully this helps. I have also listened to the recording of the phone call and this debtor was using foul language directly to our representative. I would be more then happy to provide the recording of the call. I have also attached a letter as to why we are calling so hopefully this helps the debtor recollect this account. If she would like to pay the bill she is more then welcome to contact our offices and speak to me directly. We wish to apoligize for any incoinvenience this may have caused and wish to consider this complaint closed. If [redacted] should have any questions going further she may contact me directly.

Sincerely,

Consumer

Response:

I have never received anything from this company in the mail. I have only received voice messages stating that a pending civil claim is about to filed. The messages, which I have saved, also state that I should have been served either at my place of work or business and I, or my legal counsel, have 24 hours to contact the office. As for the foul language, yes I did but it was not until after the fact that the person I was speaking to started with a tone and comments in reference to my deceased mother. I would be glad to listen to the recording they have and I would also be happy to send the messages that I have. This is not about the debt, this is about the manner in which they treat people and act as a business.

Regards,

Business

Response:

We apoligize for you feeling mistreated or wronged in regards to this matter. You are more then welcome to speak to myself directly. my name is [redacted]. We would be more then happy to provide you with a letter or whatever it is you may need to assist you in reghards to the matter. There were several letters sent to you, the reason you may have not received them is because you never updated your address with the origianl creditor when you moved. We do not want to argue or waste you time. We simply would like to resolve the bill. Please give me a call directly and I would be more then happy to try to help you in anyway possible. Again we apoligize for any incoinvienece this may have caused. My direct number is ###-###-####. Ask for me and me only. Thank you.

Sincerely,

R and L capital

###-###-####

Review: This company is calling my cell phone, my place of employment, my boyfriend and my grandmother about a past due debt they claim to have from a [redacted] Bank of [redacted]. I am not allowed to receive calls at my place of employment for personal matters. They left a threatening message stating that I would be receiving a summons at my place of employment today from [redacted] County. I have searched my [redacted] County court records and there is no law suite currently being filed against me. This is not the first day that I have received these threatening messages and no one has been at my place of employment or home to serve me any documents. I don’t think using these types of scare tactics should be allowed especially when leaving these types of messages for my employer. Today I did contact the company and they did send an email, but I am not sure if this is a valid debt and if this is a valid company.Desired Settlement: I would like for this company to stop calling any numbers they have on file with me besides ###-###-####. I would also like to know if this is valid debit/valid company. I would also like to work out some sort of payment arrangements besides having to give my credit card information over the telephone.

Business

Response:

Dear [redacted],

R and L Capital is absolutly a valid company. We do in fact have your debt in our office and we do in fact intend to file this matter as a judgement against you. the reason it has not been filed for judgement as of yet is simeply because you have been working with our offices in attempts to resolve this matter directly. We do not accept mail payments or money orders. The only way we can take a payment from you is via credit or debit. The reason for this is because this matter has been outstanding for over a year and you have never attempted to resolve the situation on your own. We would be more then happy to take out any phone numbers that you wish us not to call. Please understand that we would never have to make any calls to you if this matter had been resolved in the first place. I have reviewed the complaint and removed all numbers you wish us not to call. We have sent correspondence to your email which you did state that you receieved, I would encourage you to research the matter on your credit report as well. I encourage you to do your due diligence on this matter, however in the end you should realize that this is a valid debt and we would be more then happy to work with you to attempt to resolve it. You may contact me directly at anytime and I would be more then happy to try to work with you to get this matter resolved. If you have any questions or concerns feel free to call me at anytime. We wish to apoligize for any incoinvenience this may have caused.

Sincerely,

Review: We receive frequent robotic phone messages from R&L Capital stating that they have documents with our name, address and phone number that need to be addressed and that we need to contact them by 6 PM or they will turn the case over and indicate that we have been uncooperative. They provide a phone number to call (###-###-####) but when you call you get another recording asking for your name and case number, but the initial recording doesn't mention a case number. The phone message at the house also includes a man's name which I can't quite catch, but it sounds like Paul Brennan. The calls are harassing in tone and we receive 1-2 per day each day for approximately a week now. The number on which we are receiving these calls is not our main home number, and we have only had the phone number a little over a year. Since we do not use that number for any documents or personal matters, we are certain the caller is either not a legitimate business or is looking for someone else who may have previously had that number.Desired Settlement: 1. Stop contacting us

2. Revdex.com investigate legitimacy of business

Business

Response:

# has been removed , but he should still call in and find out if we are looking for him

Consumer

Response:

Review: This company has calld both my home and place of work. When they call my home they claim that there are claims against me regarding something to do with a check. They call my workplace stating that I should have received a packet at my home or place of business (which I did not) and that we had to discuss a certain page from this supposed packet and that there are upcoming court dates. I have no idea what this refers to considering I do not own or haven't used a credit card in literally 10 years!! And I most certainly did not have any issues regarding fradulent checks. They make the statement that if I do not respond that they will consider it a refusal to make a payment arrangements. The messages are aggressive and persisitant and I wish for them to stop calling me. They say they want to hear from me or my legal representation. I will pursue this further with an attourney if necessary.Desired Settlement: No more contacts & threats from the company & their affiliates with other names indicating they are law firms. Need confirmation & apology letter that they have taken cease & desist action.