My question involves collection proceedings in the State of: california. I applied for a loan (just an inquiry) and a company called ck marketing deposited money into my account without permission. I spoke to a rep and started the process but i never signed the loan docs because the link to the validation screen didnt work. I closed my bank account because i sent them an email about this and no response. So no agreement means they can take out what they want and when they want. They are texting me non stop now, i have already asked for validation of the debt and they text me back and said they had my e signature. There cant be one because i never signed anything. I.couldnt even get past the validation screen. I just got a voicemail now saying they are transferring it to a third party and what i owe will most likely double or triple if it gets transferred to a C/A. Since this is the original creditor, can they leVe a message like this?

