Date Received: 2018-12-16T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.


State/Zip: GA 300XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3101720

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See also  AES/PHEAA - CFPB Complaint ID 2706808

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