Cohn, Goldberg & Deutsch, LLC – CFPB Complaint

Date Received: 2017-07-15T00:00:00

Product: Auto debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: My car was repoed on XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me XXXX / XXXX /17 I then received the initial contract from XXXX XXXX XXXX that I signed. I then sent another certified letter on XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from XXXX XXXX stating that they received my letters and that they notified XXXX for an update but to their understanding, the car had n’t been sold. The third certified letter I sent was on XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from XXXX on XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf .

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Company: Cohn, Goldberg & Deutsch, LLC

State/Zip: MD 206XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2575667

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