CFPB Complaint

Municipal Collections of America, Inc. – CFPB Complaint 2018-12-22

Consumer Complaint Submission

Date Received: 2018-12-22

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo – enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record.

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there.

I then googled, ” The XXXX of XXXX ”, and came across the City clerks phone number, who transferred me to the police department. After speaking with one of the officer ‘s, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see.

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Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the ” alleged ” Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.

Company: Municipal Collections of America, Inc.

State/Zip: OH 447XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3107662

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