Aug 2, 2011
A debt collector named Bruce Carter from Dorsey, Thorton, and Associates called me and left a message that my name and information was reported and declared that I have committed a criminal offense for not paying a loan back.
When I called the gentleman back, he stated that I received a $900 loan in 2008, and that with interest the debt is now $1460. I explained to the gentleman that I did not recall such debt, and asked if he could validate it by sending me the original contract and payment history. He told me no, that they sent out numerous letters to me, which later I found out that it was my old address. Well, he told me that I was trying to get out of paying back the debt, and I explained to him that if I had acquired the loan, I would work with his collection agency to fulfill the debt, but I wanted proof. He told me that I need to answer my phone when he calls, and to stop ignoring his call. I explained to him that he needs to stop talking to me in a demanding tone, and that I was tired of listening to him badger me, so I hung up. He kept calling me back to back, on my personal and work phone. This is harassment, and when I asked him to not call my workplace, he told me that he was going to call my employer and let them know that I have committed fraud and to have them garnish my payroll check. I ignored his call for a while, and then eventually answered because I saw that he was not going to stop calling my workplace phone. When I answered, he asked now can we talk like civilized people. I asked him if he just provide me the information I asked for, then we can move on from there. He told me that they do not have the original contract nor the payment history of the loan. I asked him so how do I know if this is true.
He told me to call my bank to ask them to pull my transaction history, which I did, and they could not locate any debt from Kenwood Services. I called agent Bruce Carter back and explained to him that my bank could not locate any loan from Kenwood Services in the amount of $900 in November of 2008. He told me I was a liar, and that I am a thief, and that I had no intentions on paying back the loan.
All I asked from the agent was to provide me the verified proof of any loan I may have acquired from his client, and I would account for it. I refuse to give money to someone who is not even willing to work with me. He also sent me a letter, not with the validated information I requested, and was not received the date he stated he would email it to me. He's been screaming about me owing $1460, and the letter was in the form of a settlement statement to pay $700 to seal the deal as if I had agreed to pay already. I don’t know what to do about this person. He’s really causing me a lot of stress.
Sincerely,
Maenell