Quick Answer: Capital Management Services received a CFPB complaint from a consumer being billed for a credit card account they never opened, with no company having records of the disputed account. The company responded and closed the complaint with explanation, though the consumer dispute status remains unavailable.
Date Received: 2018-10-01T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
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Consumer Complaint: I have had a traditional XXXX account for over 40 years. There is no balance on this account.
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016.
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account.
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this.
Any help would be greatly appreciated.
Company: Capital Management Services, LP
State/Zip: RI
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3033606
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.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
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