Date Received: 2018-11-01T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018.
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me.
I have all documented communication.


State/Zip: IN

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3063349

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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