Date Received: 2017-05-02T00:00:00
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Hello, First, the debt collection agency ORION RECOVERY, did not present a contract ( VERIFICATION OF DEBT ) as requested in XXXX XXXX Orion Recovery — claimed to have sent me verification documents back in XXXX XXXX verifying the debt but I have not received such. Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Secondly, the original amount that was supposingly owed now has added interest which is a violation in the state of North Carolina ( which is my state of residence ) according to 58-70-115 . Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency ‘s fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor ‘s records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
Company: Rhojo Enterprises, LLC
State/Zip: AE 091XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2471864
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it.