Roosen, Varchetti Olivier, PLLC

2019-10-15

Norcross, GA

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Closed with explanation

Timely Response

2019-09-21

Orion Twp, MI

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Complaint: On XX/XX/19 I received two letters from the State of Michigan Treasury department, in separate envelopes : A Notice of Income Tax Used for Debts and a Garnisment Disclosure. The Garnishment Disclosure was against a person named : XXXX XXXX and references case # XXXX in the XXXX District Court. Upon reviewing the court case documents that are available online, it seems that the law firm Roosen, Varchetti , & Olivier falsely reported XXXX XXXX 's social security number to the court to garnish his State Tax Refund when XXXX has no interest, knowledge, association, or relation to XXXX XXXX. The Court granted the garnishment and the State of Michigan then froze the income tax return of XXXX and XXXX XXXX, which then created an injured spouse. Upon reviewing the Fair Debt Collection Practice Act, the law firm of Roosen, Varchetti, & Olivier broke the law in the following ways : 1. Took Negative Legal Action The law : Collectors cant threaten wage garnishment unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place. 2. False Statements or Representations The law : Collectors cant threaten wage garnishment, to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must usually take you to court first and win before they can take these kinds of actions if they are legal in the first place. I called the State of Michigan Treasury Department upon receiving this notice at XXXX and spoke to a representative who was able to verify the error in reporting the wrong Social Security Number but could not insure that this would not happen again next year because this law firm continues to report erroneous Social Security Numbers each year to be garnished. The State of Michigan asked me to contact the law firm to have XXXX social security number removed from their case file. I contacted the law firm and spoke to the person who answered the phone. She was able to pull up the case and when she found that the State unfroze the tax return and released the payment, she remarked : " You got your money back, what more do you want? '' When I explained to her that I wanted XXXX social security number removed from the case file, she wanted me to provide Social Security Numbers, which I refused to do, since I suspect that this is a tactic that they do quite frequently based on the statements from the State of Michigan and from reading their XXXX reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ,, Once I realized that this person was not going to help me with this situation, I ended the phone call. I would like to have this law firm investigated for Identity Theft and unlawful collection practices and I want XXXX and XXXX XXXX 's Social Security Numbers removed from the case file of XXXX XXXX. Thank you for your time.
Company Response: Closed with explanation

Timely Response

2019-09-13

Detroit, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-07-15

Taylor, MI

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-27

Marietta, GA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-26

Oxford, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.
Company Response: Closed with explanation

Timely Response

2019-01-30

Detroit, MI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.
Company Response: Closed with explanation

Timely Response

2018-10-04

Atlanta, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response: Closed with explanation

Timely Response

2018-08-28

GA

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Good morning. I co-signed for a student loan for my daughter in XXXX. XXXX XXXX XXXX XXXX XXXX sent the loan into collections because my daughter could no longer make the payments after she lost her job in XXXX. She received numerous deferments and was maintaing minimum payments until it wen into collections with XXXX XXXX or XXXX ( I'm not even sure if either of these companys were legitimate now ) around XXXX. I was paying the loan myself beginning in XX/XX/XXXX up until XX/XX/XXXX when my mother suddenly passed away. I asked the agency for more time unitl unitl I could get my mother 's funeral settled and her apartment cleared out but I was told no. The account was then transferred to Roosen Varchetti and Olivier. I was served with a Consent Judgment in XXXX XXXX, GA. I don't know what the origional loan amout is. I have no documents showing the bank that provided the loan. I've attempted to contact XXXX XXXX but to no avail. I think I'm being misled by the current debt collection agency because I've asked for monthly statements with shwoing current payments and the ballance due. I'm paying {$350.00} a month to this company and not sure where I stand. All I receive is an email stating that I made the payment. I'm trying to have my security clearance reinstated ( it was revoked because of the negative past due for this loan ). I'm could possibly lose my job if I can't show that I'm I current with this account. I stated this to the account rep for the agency but she states there's nothin she can do. I'm asking for assistance in this matter.
Company Response: Closed with explanation

Timely Response

2018-08-20

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-07-02

Macon, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Complaint: I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Company Response: Closed with explanation

Timely Response

2018-04-25

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-12

Oxford, GA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Complaint: I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.
Company Response: Closed with explanation

Timely Response

2018-03-30

Flint, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2018-03-27

Oxford, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Complaint: They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.
Company Response: Closed with explanation

Timely Response

2018-03-15

White Lake, MI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-12

Chicago, IL

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-01-02

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.
Company Response: Closed with explanation

Timely Response

2017-12-13

Delray, MI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-12-01

Sylvester, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2017-11-06

GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: *Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.
Company Response: Closed with explanation

Timely Response

2017-09-25

Perry, GA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-07-13

Austin, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Closed with explanation

Timely Response

2017-03-27

Riverdale, GA

Improper contact or sharing of info

Debt collection: Non-federal student loan

Contacted me after I asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response