Date Received: 2017-10-27

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Dear XXXX, XXXX XXXX XXXX recently declined from over XXXX to less than XXXX because a credit card company ( BBVA Compass ) has been posting a delinquent account on my credit report. I have not received any written notification of the debt or my right to be able to dispute this debt. I have not received a single phone call or letter from this company. I called them multiple times in the month of XXXX to try and settle this alleged debt by paying off the amount they were requesting if they would remove their negative account from my credit report.

They have still not sent me a written notification of the debt despite my email and phone calls on XXXX XXXX, XXXX in which I gave them my most recent address.
The person I spoke with was collection agent XXXX XXXX ( XXXXXXXXXXXX, XXXXXXXXXXXX, phone number XXXX XXXX. I have called this number back several times over the last few days in an attempt to settle this alleged debt and have the negative information removed from my credit report. However, after being on hold for over an hour, I have not been able to speak with anyone.

I am a physician with a very busy schedule and a high patient volume. I really can not afford to spend so much time trying to settle a debt for which I have received no notification to date. I believe that in order to protect my rights as a consumer, an intervention from the CFPB is urgently needed.

Thank you, XXXX, XXXX XXXX XXXX off on writing full name as per guidelines above )


State/Zip: WI 537XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2714014

See also  FAIR COLLECTIONS & OUTSOURCING, INC. - CFPB Complaint 2017-07-07

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