Date Received: 2018-11-15T00:00:00.000
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: My collection repair firm sent a dispute letter to the collections company regarding verifying the debt my client owes. The date of this original dispute was XX/XX/2018.
The collection company responded back with partial information originally requested by email on XX/XX/2018. The contract they sent was missing pages 6 pages from 8. The amounts there trying to charge my client is not in the contract and over charging on cleaning fee ‘s, a months rent when he already moved out after his 30-day notice.
When speaking with their collection manager on XX/XX/2018, she clearly admitted that they did not have all the information that was originally requested and claimed my client did not give notice. I asked for that information in our phone conversation and she did not have that ether. This company is attempting to collect on a debt with no information that is valid nor have sent all requested information to my client or my office and continue reporting his debt they say he owes unlawfully. When collecting on a debt the collection company must prove that a consumer owes the debt, this has not be done as originally requested. There fore I clearly see my client is being violated on his Fair Credit reporting rights and ask that collections stop due to this clear violation from Innovative Collections.
Please see attached audio file, original complaint filed by email.
Company: Innovative Collections, LLC
State/Zip: TX 786XX
Company Response to Complaint: Untimely response
Was Company Response Timely: No
Did Consumer Dispute Company Response: N/A
Complaint ID: 3075057
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.