Date Received: 2017-09-09
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I was sent a collection letter on XXXX XXXX from a company called Genesis Credit Management saying I owed money to a company called XXXX XXXX XXXX. I have never done business with a company by the name of XXXX XXXX XXXX and there is absolutely no way they can produce a contract or agreement with my signature that says
otherwise. The letter stated that I owed over 2k in charges that I had never heard about and that I frankly, do not owe! I sent off a letter requesting validation. Needless to say, I have not received it but I monitor my credit closely and tonight I received an alert about a new collection account on my credit report from Genesis Credit Management reporting that I owe this debt. That is against the law. They are in direct violation of FDCPA Section 809 ( b ) because they reported it anyway without validating and FDCPA Section 807 ( 8 ) because they reported it and did n’t report it as disputed. I have the documentation to back up my claims of validation, that it was disputed within 30 days, when it was sent and I also printed a copy of my credit report tonight and
how its currently reporting in case litigation has to take place. I ‘m hoping we can get this resolved swiftly and without legal recourse.
Company: Genesis Credit Management, LLC
State/Zip: AZ 850XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: No
Did Consumer Dispute Company Response: N/A
Complaint ID: 2661657
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.