CFPB Complaint

Credit Counsel, Inc. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-09-25T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor.

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.

READ  AFNI INC. - CFPB Complaint

Company: Credit Counsel, Inc.

State/Zip: FL 327XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3028337

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.




About the author

Research Department

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

Scroll to Top
%d bloggers like this: