First, I have noticed that this company's response to another report on this site was, "Any other complaints filed here will be viewed as malicious and forwarded to our corporate counsel for resolution." A clear threat and intimidation to whistle-blowers who speak of their horrific experiences with this company. Well, I consider Florida First Financial Group malicious, and have already forwarded my complaints to the FTC, FDCPA and the Florida State Attorney General.
I discovered a bizarre collection account on my credit file a few months ago. I disputed it, the credit bureau attempted to verify it, they couldn't and it was deleted. Shortly after, I received a collection letter from Florida First Financial Group about this debt. I replied with a letter requesting verification, and received no response (no surprises there).
Later, another collection letter arrives from Florida First Financial Group about this debt. I reply with another request for verification.instead of a reply, I received yet another collection letter. This one was a bit nastier than the first two, threatening legal action, wage garnishment, and to attach personal property and vehicles to the judgement they were seeking against me. I replied with a letter stating that I knew just how illegal these claims were, and that I intended to seek legal action against them considering they have refused to verify this debt.
Now this part is hilarious: Florida First Financial Group replies with a very polite letter (lol - that's what I thought!) with "verification" of the debt. This letter was accompanied by a supposed "copy" of the reply they sent to my first request for verifcation which I didn't receive. This letter they allegedly sent me was dated nearly 15 days BEFORE their first collection letter! How did they reply to a letter more than 30 days before that letter was even sent???
The answer, of coarse, is that they had to cover their violation of the FDCPA law by replying to my request for verification with another collection letter, and the fact that they continued collection activity BEFORE they provided verification I requested of the debt. Smooth move, unfortunately I have maintained copies of the entire paper trail which clearly shows their illegal actions.
So, needless to say, I assume that because they sent me one obviously falsified document, they probably wouldn't hesitate to falsify others. I am beginning to get the immpression I am correct. This so-called "verification" was a questionable printout that was supposedly from the original creditor. I have not been able to contact or even locate the original creditor, and question whether or not this creditor and/or this account ever actually existed.
Perhaps I should take this up with Florida First Financial Group's corporate counsel for resolution (*laughing hysterically*).
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