CFPB Complaint

Perfection Collection – CFPB Complaint ID 2745664

Consumer Complaint Submission

Date Received: 2017-12-04T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: In XX/XX/XXXX we contacted XXXX XXXX., to provide home monitoring service to our existing alarm system in the home it which was already operational requiring no additional installation, products, or services. We spoke with XXXX via phone and at no point was discussion of any agreement, commitment, or anything related which would require a binding agreement or contract to any product or service. Especially since we already owned our own equipment, services, features, products, & equipment in the home. A XX/XX/XXXX door to door sales person also spoke with us prior to the installation again there was no discussion or information provided tell us of a contract or commitment requirement. On XX/XX/XXXX a XXXX technician arrived at our home to establish a home monitoring connection to XXXX, we asked about the cost to buy other sensors etc and he advised there was no cost and was included with our services. Again we never agreed to any contract, additional cost, or services.

After the XXXX technician completed his work on our system he presented a several forms for us to confirm his work and if where satisfied in addition there was another form he said he had to sign to complete the home monitoring process and said there was an agreement for 60 months and he wanted my social security number, I said no and I did not want to provide this information she thats fine this is all circumstantial and he could take a divers license number and he said we could cancel at any time and would no formal agreement.

This agent of XXXX therefore misrepresented, made several mistakes on our paper work, we where under duress due to numerous circumstances, he pressed us with undue influence. Several vitiating factors which void any and all contractual obligation or agreement was during the sales inactions the XXXX agents said any contract can be canceled at any time without penalty. Furthermore the proposed null and void agreement fails to include all disclosures required by FCCPA.

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Plus XXXX misrepresents their the offer for free installation of alarm equipment was ” a limited time offer that needed to be taken advantage of immediately ” or misrepresents that ” there were increased incidents of crime in the area ” where XXXX attempted to solicit business ; or in a face-to-face transaction misrepresents that they are ” conducting a special sales promotion, a special offer limited to a few persons ” or ” authorized to place the offered goods or services in a limited number of homes.

XXXX failed to in our face-to-face transaction to disclose in writing before we entered into any purchase contract and before they took any credit card number or accepts any payment from you any important detail ( s ) XXXX also misrepresented the cost of the goods or services offered or promoted by them, or fail to disclose material costs payable by me ( the consumer ), e.g., XXXX asserts that equipment is ” FREE ” with {$99.00} installation fee, and that the agreed-upon ( auto-renewing ) contract is for a term of monitoring services of that equipment, then later states you owe for the cost of said equipment.

Now they have attempted to send us to collections for what they feel is monies owed of XXXX.

Company: Perfection Collection

State/Zip: HI 967XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2745664

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.

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