CFPB Complaint

BYL Collection Services – CFPB Complaint 2017-05-26

Consumer Complaint Submission

Date Received: 2017-05-26

Product: Medical debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a notice from my credit monitoring service in XXXX 2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I ‘ve never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all XXXX of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all XXXX credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct violation of my rights.

Company: BYL Collection Services

State/Zip: DE 197XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2495459

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.

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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.

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