Rhojo Enterprises, LLC – CFPB Complaint 2017-05-02

Date Received: 2017-05-02

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

See also  CITIBANK, N.A. - CFPB Complaint iD 2780758

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

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