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Credit Service Company, INC – CFPB Complaint

By on November 2, 2017

Date Received: 2017-09-02T00:00:00

Product: Medical debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX/2017 Credit Service Company , Inc.
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt.

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado.

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable.

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER.

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law.

Case number XXXX was discharged on XXXX/17 : The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged.

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right.

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.

Company: Credit Service Company, INC

State/Zip: CO 800XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2657069

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.

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