Velocity Portfolio Group

ATTENTION INVESTIGATOR : This is a new complaint containing critical, objective evidence that was completely omitted from my prior closed case ( XXXX ). I am explicitly referencing the prior case to clarify that this is a fresh submission with new attachments. The debt collection agency committed mail forgery and fraud to secure an invalid court judgment. Please review the newly attached physical proof of out-of-state residency and signature forgery, which completely refutes the company 's previous response. Velocity Investments , LLC 's previous compliance response contains completely outdated tracking data and continues to perpetuate a severe fraud upon the court. Velocity previously stated to the CFPB that my XXXX XXXX motion to vacate was " pending. '' However, on XX/XX/year>, the XXXX XXXX XXXX held a live hearing on that matter.…

Several times, has visited the address and have been advised that I did not reside there, and have continued to pursue collection efforts in court for a debt not legally owned by them.

The loan was charged off and debt collector is attempting to sue me when I have no legal contract with them

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX attempting to collect an alleged debt of {$2000.00} on behalf of CKS Prime Investments , LLC, XXXX from a creditor identified as Reflex. I disputed this debt and requested validation, as I do not recognize this account and never opened, authorized, or benefited from it. In response, the firm sent a letter dated XX/XX/XXXX, enclosing XXXX documents : ( XXXX ) a corporate Bill of Sale ( Exhibit A ) dated XX/XX/XXXX, documenting a bulk transfer of accounts from XXXX XXXX XXXX XXXX XXXX to CKS Prime Investments , LLC, and ( XXXX ) a page ( Exhibit XXXX ) referencing the names of computer data files associated with that bulk sale. Neither document contains my name, signature, or any individualized proof that I opened or am responsible for this specific account.…

I'm still trying to obtain information and resolve an issues with XXXX XXXX XXXX A debt collector who I feel wrongfully sued me in court without properly serving me and providing complete validation of the debt when I requested validation and documentation from them I still to this day have not received anything from them after making attempts to ask for more information and documentation and validation of the debt I do have a court date coming up due to the fact that I wasn't properly served XXXX XXXX XXXXXXXX hasn't been cooperative when I have made my requests and when speaking on the phone with them they refuse to provide any information and haven't even when I had sent letters certified mail through the courts that have been file stamped I still to this day have not received anything from the velocity investments llc regarding this eledged debt everything that I have been able to get has been through the courts and what I do have is not a complete and total validation

Velocity Investments , LLC is third party debt collector who bought from XXXXXXXX XXXX information is inaccurate. Attempted resolve no response. To whom this concerns. Writing in regards to legal documentation sent to me. I am willing to pay {$10.00} dollars a month or in XXXX total towards complaint. That is most I can afford at this time not working, and since moving from VA I don't have assets to help with this matter, and last nor can l afford legal fees. Please I take this a written statement and let me know if you accept this offer? Thank you for your consideration in this matter, XXXX XXXX XXXX XXXX No response to resolve

Velocity Investments , LLC is third party debt collector, bout from XXXX XXXX. Not who my personal loan was through and miss accurate information. I responded and nothing to resolve back. To whom this concerns. Writing in regards to legal documentation sent to me. I am willing to pay {$10.00} dollars total at most {$50.00} for entirety. That is most I can afford at this time not working, and since moving from VA I dont have assets to help with this matter, and last nor can afford legal fees. Please l take this a written statement and let me know if you accept this offer. Thank you for your consideration in this matter, XXXX XXXX XXXX back from them XXXX XXXX

Velocity Investments acquired an account in my name which was originally issued XXXX XXXX XXXX in XXXX. On or around XX/XX/XXXX, the account was assigned for collections with XXXX XXXX XXXX in XXXX, New York. On XX/XX/XXXX, I contacted the agency and spoke with a Senior XXXX named XXXX. While discussing the account, XXXX offered to settle my account for 70 % of the current balance and offered monthly payments. I countered at 20 % of the balance, however, he assured me that their client would not settle less than 30 %. He placed me on hold while contacting the client, and when he returned he stated that he could settle for {$2800.00} paid by XX/XX/XXXX, or he could settle at 70 % ( {$5700.00} ) and I could pay that at {$150.00} per month over 36 months. I asked XXXX if the client would be willing to allow me 30 days to make the {$2800.00} settlement in full and he stated no, unless I can pay it now.…

I sent original validation of debt request on XX/XX/XXXX to debt collector Velocity Investments LLC/XXXX XXXX XXXX and XXXX responded on XX/XX/XXXX, but response was incomplete. I sent second validation of debt request on XX/XX/XXXX which was delivered on XX/XX/XXXX and no response has been received as of XX/XX/XXXX. A lawsuit has been filed by the debt collector on XXXX XXXX. Debt collector has violated XXXX XXXX. XXXX ( b ), a debt collector must cease collection activity on a disputed debt until verification is provided to the consumer.

I am submitting this complaint as a victim of identity theft involving an alleged debt being pursued by XXXX XXXX XXXX, XXXX. on behalf of Velocity Investments , LLC, allegedly originating from XXXX XXXX in the amount of {$5400.00} and/or any other amount claimed. I state under penalty of perjury that I am not the debtor, and I do not recognize, did not authorize, and did not benefit from this account in any way. Upon discovery of this matter, I immediately disputed the alleged debt and requested full lawful validation, including proof of contract, chain of title, and documentation establishing my legal responsibility. Despite repeated disputes, no competent or legally sufficient validation has been provided. The collector has only asserted that the debt is valid without producing supporting documentation required under applicable law. This alleged debt was previously dismissed on XX/XX/year> by Velocity Investments , LLC through its prior counsel, XXXXXXXX XXXX XXXXXXXX.…

On XX/XX/2026 I paid Velocity Investments LLC last 4 of acct. XXXXregarding original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Velocity of XXXX XXXX XXXX had accepted and settled the XXXX XXXX Debt They settled for {$1400.00} I submitted the letter of payment when I made the disputes Original debt was slightly higher over {$3000.00} I have tried to dispute this on all credit bureaus with proof of payment along with asking to remove negative comments off my credit report. XXXX XXXX continues to flag my account as charged off as bad debt. Which is negatively impacting my credit score. I am requesting to have this updated

b"I was told I applied for an online loan. I didn't hear from this matter for awhile and I question it when it showed on my credit report the company threaten me, so it was said I made a payment. According to my credit report this was in 2020 then one day I heard a knock on my door it was subpoena. I was summoned to go to court. I went to court because I was in XXXX XXXX and I couldn't have anything on my background. \nI graduated XXXX XXXXl and to my surprise my new job called me and said another company was garnishing my wages. I never received anything from the law office stating this was happening until I seen my check.( XXXX XXXX XXXX XXXX XXXX XXXX) is the point of contact."

I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and XXXX XXXX state laws, including the XXXX Consumer Fraud Act and the XXXX Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations XXXX proof of an active XXXX debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.…

I am currently enrolled in a debt relieve program with XXXX XXXX XXXX and we are down to XXXX creditor XXXX XXXX Bank. They have made a XXXX via XXXX XXXX XXXX and are receiving payments. XXXX XXXX Bank is now using XXXX XXXX XXXX to take me to court and attach my wages. This is an attempt to collect the balance the settlement did not cover. They are using two debt collectors on the same account ending in XXXX Please feel free to call me.

The company Velocity Investments , LLC has recently communicated with me about a debt which I am not liable to them for. The communication included obscene and profane language alleging that I, a consumer owe a debt to them, which is false and misleading because I never entered into any contract with the company. As a result, my non public personal information has been exposed and the company may be liable to me for damages. The information being communicated is false and misleading. It was never officially validated and should not have been assigned and shared with others without consent obtained directly from me before sharing with another person. Such actions are dangerous and can seriously injure a taxpayer. I am serving notice to the company through this complaint to immediately cease use of my legal name to report this information and provide to me the documents obtained and used to give rise to this information.

I originally agreed to pay XXXX XXXX XXXX about {$260.00} per month on the XXXX. In XXXX they took over {$300.00} out of my account without my consent. On XX/XX/year> they took {$260.00} out of the my account which causes emotional distress and XXXX. I also called them on two ocassions about this issue, the gave me the run around and told me the payment team was not availbile. Finally, on XX/XX/XXXX, they provided me the payment team email address so I can email them to stop future payments and pay by phone or manually on the website.

I am being contacted by XXXX XXXX XXXX XXXX XXXX regarding an alleged debt that I do not recognize and have not verified as mine. I sent a formal written debt validation request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing the debt in its entirety and demanding the following documentation : The name and address of the original creditor The original account number An itemized breakdown of all principal, fees, and interest A copy of the original signed agreement Chain of assignment proving their legal right to collect Proof they are licensed to collect in my state Despite my written dispute, XXXX XXXX XXXX has continued to contact me without providing any of the requested validation. This continued collection activity after a timely dispute is a violation of 15 U.S.C. 1692g.…

Velocity investments filed a law suit on debt that the state of Alabama already decided was fraud and prevented the original debt holder from placing on the credit report. After moving to New Mexico the filed a lawsuit lied to the courts on being served papers to get a default judgment. Only a day before the judgment was ordered received a letter in the mail from velocity investment requesting the default. Called them and paid so it would not affect credit reports and was told they would drop the suit. Didnt happen and got letter of default judgment. Only top of that the lawsuit stated velocity investments but when velocity was contacted they stated there was no account with them. Come to find out it was XXXX and brand being deceitful and not stating who was suing or provide any account number

In XX/XX/XXXX I noticed derogatory information on my credit report. I contacted The credit reporting agencies to dispute the inaccurate information stating that I was a victim of identity theft. I reported it to XXXX on this dateXXXX then they removed it and they sold it over to Velocity on this date XX/XX/XXXX XXXX XXXX that is not My Account. I dont know them and Havent dealt with them at any time, I also sent In a police report information to the credit department XXXX. I also sent them an identity theft report file number XXXX XXXX received all my information they needed. I have called them several times to please remove it off my file, I said to them. This is not mine they continuously sending me a charge off and I asked them kindly to remove it. I went to the court with velocity before they sold it to bureau investment and they open it again then they closed it and now they use it as a charge off and I said to them.…

I fully have paid this loan, and still is appearing in my credit report, making big damage in my projects and general economy

I am disputing a debt being collected and/or reported by Velocity Investments , LLC. On XX/XX/year>, I sent a written dispute and request for debt validation by certified mail. The company received the correspondence on XX/XX/year>, as confirmed by USPS tracking records. In my request, I asked for documentation supporting the alleged debt, verification of the balance, and documentation establishing that Velocity Investments had the legal right to collect and report the account. After receiving no response, I sent a second written notice on XX/XX/year>, again requesting validation and asking the company to address my dispute. Despite XXXX written requests, I have received no validation documents, no account documentation, and no substantive response. The account remains disputed. Because Velocity Investments has failed to provide the requested validation, I am unable to verify the accuracy of the information being collected and/or furnished to consumer reporting agencies.…

Velocity Investments LLC is continuing collection activity on a debt that was settled in full in XXXX. The underlying debt is a XXXX Bank account ( original XXXX account number XXXX ) originated through XXXX in XX/XX/XXXX, with an original balance of approximately {$20000.00} and a charge-off balance of {$17000.00}. This account was settled in full on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( their file XXXX ) for a lump sum payment of {$11000.00}. Velocity Investments LLC purchased the charged-off account from Upstart and has retained XXXX XXXX XXXX XXXX as the collection servicer and XXXX and XXXX as the legal servicer. Despite the XX/XX/XXXX settlement, XXXX XXXX continues to report this debt as unpaid with a balance of {$17000.00} on myXX/XX/XXXXcredit report. I previously filed CFPB Complaint XX/XX/XXXXXXXX against XXXX XXXX on XX/XX/XXXX.…

I am formally disputing this debt and requesting full validation under 15 U.S.C. 1692g. Please provide the original creditors name, account number, complete account statements, fee documentation, and proof of your legal authority to collect. You must cease all communication except to notify me that collection efforts are terminated. All communications will be documented, and any violations of the FDCPA will be reported to the Consumer Financial Protection Bureau and my State Attorney General. XXXX XXXX # XXXX

The account there referring to is not my account I was hacked and got identity fraud against me XXXX not liable for this debt and it is illegal to buy a persons debt so there fore the debt is now yours, it should be taking care of. Or my lawyer will be involved

XXXX. Binding Settlement Agreement : On XX/XX/year>, XXXX XXXX accepted a written offer of {$400.00} as " Settlement in Full '' for account # XXXX. The agency issued a formal PDF agreement and an email stating, " Our office is thrilled to inform you that we have accepted your offer. '' This offer included a " Pay for Delete '' provision. XXXX. Violation of FDCPA ( Misrepresentation ) : Despite the {$400.00} written agreement, the agency is simultaneously sending automated text demands for the full balance of {$1300.00}. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding the misrepresentation of the character, amount, or legal status of a debt. [ XXXX ] XXXX. Unconscionable Collection Tactics : The agency provided a non functional, expired payment link and has repeatedly refused to provide a secure digital payment method for the agreed {$400.00}. Instead, they are pressuring for a phone based transaction.…

I am filing this complaint against XXXX XXXX XXXX because XXXX continues to treat a fraudulent XXXX XXXX XXXX XXXX loan as valid despite new, material evidence from XXXX XXXX proving that the XXXX XXXX account XXXX relied on was also fraudulent and not mine. XXXX previously responded to my identity-theft complaint and stated that its investigation remained unchanged. In its response, XXXX claimed that the loan proceeds were disbursed to a XXXX XXXX checking account ending in XXXX, and that payments were made from that same XXXX XXXX account. XXXX also stated that XXXX allegedly returned my name on that XXXX XXXX account. XXXX relied on this information as the basis to conclude that it could not substantiate my identity-theft claim. However, XXXX XXXX has now completed its own identity-theft investigation and issued a letter dated XX/XX/year>, under Claim No. XXXX. In that letter, XXXX XXXX confirmed that the fraud claim involved accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX.…

Velocity investment llc wrongfully sued me with out my knowledge I was never properly served the information they had was from years ago when I had lived in indiana They took advantage of the courts in XXXX indiana I live currently in Michigan I believe they knew this but rushed everything through the courts to get a judgement awarded to them I believe it was illegal and a violation of my rights I've been trying to request another hearing through the courts but have been getting the run around Paperwork has been filed and served through the courts and the mail I believe velocity investment knowingly violated my rights and the law when it comes to the fair debt laws They refuse to speak with me regaurding this and all they do is give me the run around I did update my information with the company on XX/XX/year> but I'm still trying to request another hearing because I was never served and they made no other attempt to properly serve me before any court dates I have tried reaching out to…

I was sued by Velocity on a debt I disputed. They never sent court admissible proof of validation. After waiting 75 days, they sent a stack of printouts that name multiple owners and contained a page purported to have been account info from 4 years ago. The printout had contact information I did not even have at the purported date. They sent a broken chain of title. There are no less than 6 different legal entities shown to own this previously settled account. Their complaint with the summons names a completely different entity than the one they have on the bill of sale. They refused to provide the underlying terms agreement on this mass block sales of loans that come with disclaimers from the seller. Their affidavit is a robo affidavit and the woman signed tio it has no first hand knowledge of the account in question. They are in current noncomplaince with a court ordered discovery.…

I am following up on my ongoing complaint regarding an alleged personal loan debt that I strongly believe may be the result of identity theft. This matter involves a debt originally associated with XXXX XXXX XXXX XXXX, which has resulted in a wage garnishment order being issued through XXXX XXXX XXXX XXXX XXXX ( Case # : XXXX ). I do not recognize this debt, did not apply for it, and did not authorize any such loan. XXXX XXXX XXXX XXXX previously indicated that they no longer service personal loans and that the account was transferred to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ). I have now been informed that XXXX subsequently transferred the account again to Velocity Portfolio Group ( XXXX ). However, I have been unable to obtain any response, documentation, or meaningful communication from Velocity Portfolio Group, despite attempts to contact them.…

The first complaint XXXX and this regarding Velocity Investments LLC , I tried explaining to CFPB regarding this companys tactics. Then about a week ago my mother shows me another letter from Velocity Investments and I filed complaint XXXX regarding their threatening tactics again and suing me in a state I do not live in. Today is my third complaint regarding this company their attorney, XXXX XXXX XXXX who signed an affidavit stating I reside at XXXX XXXX XXXX while being duly sworn in the commonwealth of Pennsylvania. A false affidavit about your residency would more commonly fall under issues such as : 1. Perjury / false swearing * if knowingly false under oath 2. Fraud upon the court * if filed in a legal proceeding to mislead a court 3. Improper service/ lack of jurisdiction * if the false address was used to claim a court had authority over you 4. State consumer protection or debt collection laws * especially if tied to collection activity. According to 15 U.S.C.…