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Credit Collections U.S.A., L.L.C. – CFPB Complaint

By on September 5, 2017

Date Received: 2017-06-13T00:00:00

Product: Medical debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I started receiving credit alerts from credit reporting agencies on or abou t XXXX XXXX 2017 reg arding negative actions. Once I researched I found a collection agency ‘parked ‘ a medical collection to all XXXX of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before ‘parking ‘ the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on XXXX XXXX 2017 the company then sent me the notice of debt with the amount due and dispute language. The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt. The collection company wrongfully damaged my credit. The collection phone # ‘s are XXXX and XXXX .

Company: Credit Collections U.S.A., L.L.C.

State/Zip: MD 217XX

Company Response to Complaint: Untimely response

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 2549914

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. The posting of complaints has proven to be a valuable resource for both companies and consumers.

READ  ERC - CFPB Complaint

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