CFPB Complaint

Immediate Credit Recovery – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-14T00:00:00.000

Product: Federal student loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a call on XX/XX/XXXX from a XXXX XXXX from Immediate Credit Recovery trying to collect on a student loan that was from early XXXX ‘s that was listed on a chapter XXXX bankruptcy and was discharged XXXX, before the laws changed on ed loans, this has already been taken off my credit, this file has been sold several times so XXXX XXXX @ Immediate Credit Recovery, i advised him of the chapter XXXX and was discharged and he shall not contact me again and close out that account due to the bankruptcy. i received another call today XX/XX/XXXX from XXXX @ Immediate Credit Recovery regarding the same account, i advise him that this is the second call from their agency and was told to not contact me again due to the chapter XXXX bankruptcy, he wants to argue that this is owing and is on my credit, when it was already removed and needs to be removed asap.

Company: Immediate Credit Recovery

State/Zip: TX 760XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3074433

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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