CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-10-18T00:00:00

Product: Payday loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a Collection Co. representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they ” can’t find me ” in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.


State/Zip: AL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3050532

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.

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