Date Received: 2018-12-30
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information.
On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act.
I’m not getting any response to validate or prove I owe the debt.
Company: Webcollex, LLC
State/Zip: TX 789XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3112793
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.