CFPB Complaint

Unifin Inc. – CFPB Complaint ID 3113165

Consumer Complaint Submission

Date Received: 2018-12-31T00:00:00.000

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX at XXXX XXXX EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, ” we will email you ” and ” this is already in collection ” and ” we don’t use mail ”. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt.

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights.

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company ‘s refusal to honor my rights as a consumer.

Company: Unifin Inc.

State/Zip: GA 305XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

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Did Consumer Dispute Company Response: N/A

Complaint ID: 3113165

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