Date Received: 2017-11-01T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor ” Capital One ” the remaining balance before it was sold to XXXX XXXX XXXX XXXX.

account number:XXXX


State/Zip: FL 331XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2718019

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.

See also  CITIBANK, N.A. - CFPB Complaint ID 2885942