CFPB Complaint

Credit Protection Association, L.P. – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-09T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Summary : I was billed for cable/internet services from XXXX XXXX for a property ( XXXX XXXX ) that I was not living in. The XXXX account was previously my account, which was turned off XX/XX/XXXX when I moved out. Moved to a new property XX/XX/XXXX, not sure how the account was even re-activated 9 months later in XX/XX/XXXX. At the same time, I did have an active account with XXXX for a separate property ( XXXX XXXX XXXX ), and I am up to date on my payments. I was billed incorrectly, and I should not have to pay the existing debt for the XXXX Property, and i am asking that it is removed from my credit report.

Details : I was the tenant of a rental property on XXXX XXXX . While renting that house I had internet/cable services through XXXX XXXX.At the time when my lease was up ( Move Out date XX/XX/XXXX ), I cancelled my services with XXXX, and provided them a forwarding address for my final bill, which was XXXX XXXX. I paid my final bill, and actually was receiving notifications for about 8 months that I had a credit of {$60.00}. I move ( Move In date XX/XX/XXXX ) into a new property on XXXX XXXX XXXX . I again chose XXXX as my internet/cable provider, and created a new account. ( Now, i had to cancel my first account and then create a new account later because i knew i was going to have a gap where i did not need services ) Still live in the property on XXXX XXXX XXXX , and still paying XXXX for the services. Then, I receive collection notices. My old XXXX account from when i lived on XXXX XXXX was some how re-activated, and XXXX is stating that i owe them for services used at XXXX XXXX , a property which i did not live in at the time the services were used. Charges equate to {$310.00} ( they applied my credit they still owe me to this debt ) for the following time period, XX/XX/XXXX through XX/XX/XXXX. I was actually living on XXXX XXXX XXXX during this period of time, and paying XXXX on a different account. The charges that XXXX is stating I owe, are for a property that i did not live in while services were being used. ( They need to go after the new tenants at the XXXX property for that money lol, JK ) What I have done? ….
First site of the collection letter and I called XXXX. Spoke to a Tier 2 aka Manager in XX/XX/XXXX. After a long call I talked him through the situation, and he saw that an error occurred. Manager agreed I did not owe the money. I thought it was resolved, and then I receive a collection letter from XXXX XXXX ( Credit Protection Association ). I was told it was an ” Off Line Collection Team for XXXX. ” I was sent back and fourth between XXXX and there Collection Department, each telling me that it was in the hands of the others. People were sweet and kind, but not helpful at all. Disputed it with both, and also disputed it with the Credit Beau. All declined the disputes. I spent a lot of time on the phone, and no one has been able to help me solve my issue, and it seems so obvious that i do not owe this money.

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I am not the owner of the house where services were used, and i did not live in the house when the services were used, and i don’t know the people who were living in the house when the services were used. Also, not sure how the account was activated the second time.

I have all the documents you could possibly need to prove that what i am stating is true. Leases for every property, monthly statements from old account and new account.

Company: Credit Protection Association, L.P.

State/Zip: FL 336XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3070145

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