Accudata Credit Systems LLC – CFPB Complaint 2018-04-24

Date Received: 2018-04-24

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: In accordance, under subsection 809, section 1692g of the FDCPA guidelines : collectors are required to send a ” dunning letter ” … or notice of debt to a consumer & make certain that they receive it, & /or initial phone calls for first contact to obtain a valid mailing address. I should have been provided with at least the basic information such as the original creditor, the original debt amounts and notice that I had 30 days to ask for validation of the debt BEFORE this collection was ever reported to my credit. I have never received this from your company. I was also never given the chance to exercise my right under FDCPA to have this debt validated or disputed. Instead my credit has been hit by XXXX XXXX stating that they were assigned to me by a creditor to collect two sums. One being for a total of {$180.00}, the other {$50.00}. After checking my credit reports, i seen these discrepancies & tried to correct them I sent via cert mail on XX/XX/2018 after speaking to you to aqcuire my full account numbers for reference & to state I Never received Any notices of said debt ( s ) from their company by mail & no phone calls …
This is illegal since I didn’t get this option due to lack of effort on your behalf to hold up your legal obligation of notifying me of said debts you believed to be mine that you bought from the original creditor! Under FDCPA rules there are guidelines that all collectors have to follow to collect a debt and XXXX XXXX has failed to do so in collecting proper forms of contact for me & reporting this as a debt that’s supposedly owed by me, to the credit bureaus.

See also  MIDCOUNTRY FINANCIAL CORP - CFPB Complaint ID 2850470

Company: Accudata Credit Systems LLC

State/Zip: OR 975XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2886397

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.