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I received a rather long, odd, and rambling letter on cheap computer paper from an Attorney John Sullivan from P.N. Financial at an old Indiana address.
In the header of this letter was a "docket number" supposedly obtained in a Indiana Court and a SSN that wasn't mine. The body of the letter was literally titled "FINAL NOTICE OF JUDGMENT". In what I can only describe as a unprofessional diatribe the letter purported to be the last attempt (even though this was the first time I had ever heard of PN Financial) to collect a $15, 000 BofA credit card debt.
I could settle this debt for a mere sum of $10, 000. If not PN Financial was going to take me to court. Or depending how you read the awkward phrasing of the letter, maybe already had taken me to court. And of course they were going to garnish my wages, levy my bank account, blah blah blah.
Right off the bat I recognized several major violations of the FDCPA. First among them openly threatening me with a lawsuit, wage garnishment, etc. Also trying to appear as though they had already contacted me when this was their first ever communication.
Then I did a bit of digging and discovered that PN Financial was also engaging in outright fraud.
First there was the issue of the SSN, which wasn't mine, but was sent to me. That's either a fake or someone else's in which case PN Financial is disclosing key parts of other people's identities to complete strangers.
Second was the Indiana Docket Number they used to prove that they had a court case against me. Except it isn't a docket number. The docket number is a complete forgery. Anyone can tell because it is not in a format used by the Indiana court system, the California Court system, or as far as I can any court system in the U.S. PN Financial simply made up a number hoping I'd buy it, get scared, and send them 10K. Yeah, right.
I shot them off a Certified Debt Validation letter (return receipt received with a ineligible signature -- shocking). Never heard back. Then I sent complaints to my Attorney General, the Indiana Attorney General, and the Illinois Attorney General. Another complaint to the FTC. Another to the Illinois Department of Professional Regulation. Another to the IL BBB. And one last one to the Attorney Registration and Disciplinary Commission of the Supreme Court of Illinois.
More interesting facts began to uncover themselves. PN Financial is not licensed as a Collection Agency in Indiana, California, or anywhere outside of Illinois. This "John Sullivan" is not a registered P.C. And the ARDC of the Supreme Court of Illinois sent me a letter confirming that "John T. Sullivan", Attorney at Law, is not a licensed Attorney in the State of Illinois.
One wonders if John Sullivan really exists even. The name on PN Financial Inc. Illinois license is actually Nelson Macwan.
So in short don't fall for PN Financial's B.S. Follow up with a debt validation letters and complain complain COMPLAIN. Eventually someone will shut them down.
The complaint has been investigated and resolved to the customer’s satisfaction.
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The IL state attorney generals office sued this company in January 2013 For fraud and unscrupulous practices. If you get a letter from them threatening any kind of legal action, file a complaint with your state Attorney Generals Office and with the IL State Attorney Generals Office, and save the letter hire a attorney sue them in civil court then, you will be the one calling them for money.
I also have been hounded by this company on a debt I never had for about a year now. It first started with phone calls, they knew my SSN and some other personal information, but other information was inaccurate. They are very abusive and tell you that they will get a warrant for your arrest, garnish your salary, etc. I finally took their last letter and sent it to the Attorney General of Illinois and Texas and filed a complaint with the BBB. They use a variety of names and phone numbers, so make sure you do a search on those to see if others are having the same issue and whatever, do not pay them a cent - they are frauds.
I KNOW WHAT YOU ARE SAYING AS I GET LETTERS FROM P.N.FINANCIAL AND I HAV NEVER OWED THIS MONEY TO WHOM THEY SAY I OWE.NEVER HAD AN ACOUN T WITH HOUSEHOLDDUICIACE VISA EVER AND THEY THINK THEY NCAN HARRASS YOU ALL THE TIME.. IT HAV BEEN ALMOST SEVEN YEARS THEY HAVE BEEN BUGGING ME ABOUT THIS AND I KEEP TELLING THEM THATS NOT MY BILL SO STOP SEN DING ME THREATING LETTERS .
I have been receiving notices from this phoney business for at least 3 years. They don't even send me letters on a monthly basis, which I see as a red flag. Also, I found out a good while back that legitimate collection agencies only hold accounts for about 6 months, then sell to another agency and so on from there. This so-called PN Financial is only out to rip people off and possibly steal their identities. They even have an "F" rating with the BBB.
I found a website that might be very useful for anyone with questions and concerns about these type of situations - http://www.naca.net/. It's the National Association of Consumer Advocates. Please visit them before taking any action with any business you are not familiar with or may have suspicions. Better safe than sorry. And tell all your friends, family and associates so they are aware of this and not to fall for any scams.
I just received a letter in the mail with at docket number and my full social security number printed on the letter. It said it was a final notice of judgement. I called and spoke to someone and couldnt hear them cause my little girl was being loud and my cell was breaking up. I hung up and immediately received a call back and it was PN Financial & Associates. The same guy introduced himself and told me how rude I was. I told him that I had no means of getting him the money and he asked about my taxes and said that if I dont pay they will garnish my wages and my employer could let me go. I told him that I have a baby on the way, a four year old, and a wife who just started work. He told me that I should then really want to put this behind me then and get this taken care of so that my family doesnt hurt from me not paying my debt. I told him that if I had the money I obviously would pay and called to see what I could do. He said I could pay the amount in full by the end of the month or see you in court. He said that if I hung up he can proceed as me calling recognized receipt of the letter. He also said he could get in my bank account and take my money but they have refrained from doing that until speaking with me. I am scared and just want to do the right thing. I looked up the company and see the negative things being said. I live in Ohio and the letter says they are based in Skokie, IL. I dont feel comfortable with letters being sent with my full social on them. Anyone could intercept my mail and steal my identity from this letter. It has my name address social and even my old credit card number all printed out in bold. Please advise.