CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-07-21T00:00:00

Product: Medical debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.



State/Zip: MI 483XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2581140

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