Date Received: 2018-11-04

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I’ve contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I’d be contacted by their fraud department but I have not received any call back to resolve this matter.

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.


State/Zip: TX 750XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3065363

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.