Debt collection -- Written notification about debt -- Complaint #5242277
Complaint Overview
Complaint ID: 5242277
Company: Rock Creek Capital, LLC
Product: Debt collection
Sub-Product: Auto debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 92663
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC I was notified by XXXX on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by Rock Creek Capital , LLC ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX, I have never been contacted in any way by XXXX XXXX since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter and I received a response from XXXX dates, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, Rock Creek capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ) Further, Rock Creek capital LLC XXXX https : //www.rockcreekcapitalllc.com/, XXXX x1 or x2 ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, XXXX, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX, and XXXX is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. So, I am asking to file this complaint against XXXX who I believe is representing either a company or a debt or both falsely, or that they simply do not exist. They have never mailed me sufficient proof of this alleged debt only a list of charges that make no sense with what they are claiming. XXXX XXXX XXXX were highly publicized in the media that they could be returned after 30 days with no penalty other than the {$250.00} deposit taken initially. RPM is claiming that the leases of this program were returned early. I had the car for well over the 30 day period.
Frequently Asked Questions
What is Complaint #5242277 about?
Complaint #5242277 was filed against Rock Creek Capital, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-02-20T12:00:00-05:00.
How did Rock Creek Capital, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Rock Creek Capital, LLC?
Yes, visit the Rock Creek Capital, LLC company profile at readthecomplaint.com/company/rock-creek-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.