Date Received: 2018-09-05T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have request PROOF OF CONTRACT to substantiate a claim that I owed the amount {$3300.00}. to XXXX XXXX XXXX. The Transunion nor the collection agency provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim against me. The Reporting Agency send me on XX/XX/XXXX and updated account Investigation Results as Verified as accurate. But their answer is just a computer generated document with a copy signature that is not mine. They failure to Validate the account and to send me a notarized document that will demonstrate that the ” investigation ” was conducted properly.
The same happen with a XXXX case charging me with a {$580.00} as of XX/XX/XXXX. Moreover, they have reporting in my credit report a XXXX XXXX XXXX, for the amount of {$8600.00} in this case I filed a dispute letter that the collection agency fail to informed me about why they failure to follow New Jersey repossessing Law, and failure to Validate the account


State/Zip: NJ 070XX

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3010253

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.

See also  PENTAGON FEDERAL CREDIT UNION - CFPB Complaint 2018-11-17

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.

Here is where you will find important stories located from around the web which can impact you and your financial life.