CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-01-23T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Hello, I received my credit report from all 3 credit bureaus after being denied for credit. To my dismay I was quite frankly shocked to see that Care credit with XXXX XXXX had an account on there with my name. I sent them a debt validation letter asking for the signed contract or my signature. What they sent to me was a letter simply stating they verified the debt as accurate and that it’s mine. I have no knowledge of this debt at all. They are reporting wrong information on my credit reports. This is not my debt and they have not validated it as mine with any sort of proof or documentation proving it is mine.


State/Zip: NC 283XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2790533

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.

READ  Machol & Johannes, LLC - CFPB Complaint ID 3066221

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