Date Received: 2018-09-01T00:00:00

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX. When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.


State/Zip: GA 300XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3008069

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.