Credence Resource Management, LLC

2019-09-05

FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young to have any as I haven't even been able to seek employment due to being the XXXX XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.
Company Response: Closed with explanation

Timely Response

2019-09-05

North Highlands, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-05

Vicksburg, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt. I told them I have no debt that is in collection. They stated it was for XXXX for some equipment that wasn't returned. I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me. They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything. I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record. They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me. I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act. I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year. Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment. The email listed one item (a router with a picture of it and the serial number. I followed up within two or three days and returned the equipment they requested. About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX paperwork. She asked that I send it to her which I did. I also told her I had some other stuff and what should I do with it. She said that I should follow the email instructions and send what they requested, which I had done. About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them. I told them that I already had a new service provider (XXXX). I also told them that I had returned what XXXX asked me to but that I still had some XXXX equipment that they didn't ask for and what should I do with it. On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened. I finally put the stuff in a trash bag and my wife set it out. (There are no XXXX offices or service centers around.)
Company Response: Closed with explanation

Timely Response

2019-09-04

Oxford, GA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: When we spoke with Credence we authorized a payment of {$61.00} to be applied towards our balance. Then they tried to set us up for an auto debit in the amount of {$1400.00}. We declined that stating we would need to discuss that before committing to a payment hat large. They then asked again which we declined again before they put a manager on the phone. We declined when he also pressured us. We have since received a charge on the account for {$1400.00}.
Company Response: Closed with explanation

Timely Response

2019-09-01

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I just reviewed my credit report I was made aware of a collection account which is not mine. I have no knowledge of the XXXX XXXX account nor do I have any relationship with this collection agency. I will be submitting a police report to the collection agency and the credit bureaus about this fraudulent account. In the interim, please send all signed, original, contract agreements as well as complete account number, date account was opened, how it was opened with whom it was opened as well as all other pertinent information regarding this account that appears under my SSN and credit reports. In addition, I need information on this unknown collection agency such as their license number, all pertinent dates on this account, headquarters location, presidents ' name and contact info as well as all information that shows that they are legally a collection agency in their perspective state. Thank you. XXXX XXXX Cc : Attorney XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-08-31

Johnstown, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX representative immediately after I received my bill. I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. XXXX XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.
Company Response: Closed with explanation

Timely Response

2019-08-30

Nyc, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. Thank you.
Company Response: Closed with explanation

Timely Response

2019-08-30

Shalimar, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.
Company Response: Closed with explanation

Timely Response

2019-08-30

Church Point, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company
Company Response: Closed with explanation

Timely Response

2019-08-29

Lancaster, PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Credence is attempting to collect a {$670.00} debt from XXXX XXXX. I was receiving XXXX XXXX service from XX/XX/2018 until XX/XX/2018. The service was so terrible that I terminated early. I was not receiving the channels that I was paying for and was not receiving reception on a regular basis. Due to not receiving the service that I was paying for, I cancelled. I made multiple calls to XXXX to rectify the issue. I was met with long hold times, told to call back or hung up on by XXXX 's service team. Scheduled service calls resulted in my missing work for technicians that never appeared. Due to this, I stopped service. XXXX then tried to charge {$670.00} for terminating early. I did not receive the service I was paying for and had no choice but to terminate the contract. This debt should not be owed.
Company Response: Closed with explanation

Timely Response

2019-08-27

Columbus, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account : CREDENCE RESOURCE MANAGEMENT # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Company Response: Closed with explanation

Timely Response

2019-08-26

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.
Company Response: Closed with explanation

Timely Response

2019-08-26

PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.
Company Response: Closed with explanation

Timely Response

2019-08-25

Bremen, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have been corresponding to XXXX/XXXX for slightly over a year re a disputed charge - several phone calls and multiple escalation letters. The circumstances surrounding the dispute, in a nutshell, are as follows : 1 ) When I ordered XXXX at the subject location, I specifically stated that I wanted XXXX equipment capable of displaying 4K resolution programs. 2 ) I wasn't aware until a few months later, after I purchased/installed a 4K capable tv, that the equipment which XXXX had installed was NOT 4K capable and, per XXXX, they needed to replace the primary receiver with a 4K capable one to which I agreed since this was what I requested per the initial XXXX service order. 3 ) Upon replacement of the non-4K receive with the 4K receiver, I signed paperwork not knowing that I was, in effect, committing to a 2-year contract extension, as the XXXX service technician did not explain such. 4 ) In the XX/XX/XXXX time-frame, due to incredibly poor customer service and extremely limited 4K programming, I replaced XXXX with XXXX and cancelled the XXXX account. 5 ) XXXX customer service was very irritated and threatened me with a {$200.00} cancellation fee if I cancelled to which I responded my disagreement with such given the above circumstances ; however, they refused to drop their demand that I pay the cancellation fee. 6 ) Soon thereafter, I received a statement from XXXX indicating that I owed {$200.00} - i.e., the {$200.00} cancellation fee and {$3.00} for prorated services. 7 ) At that time, I wrote the first of five escalation letters indicating that I did not agree, under the circumstances, that I owed the {$200.00} cancellation fee but that I had no issue with the {$3.00} prorated service fee. I included a check for the {$3.00} with the letter which was subsequently cashed by XXXX and which cleared my bank account on XX/XX/XXXX. ( See attached processed check ). 8 ) I continued getting pressed by XXXX to pay the {$200.00} amount even though they had cashed my {$3.00} check but yet they refused to show credit for such on their subsequent statements! Even as of today, XX/XX/XXXX, XXXX states that I still owe a balance of {$200.00}! 9 ) I subsequently wrote several other escalation letters but never received a reply from XXXX. 10 ) On XX/XX/XXXX, in the spirit of trying to bring this issue to closure, I wrote my final escalation letter to XXXX ( attached ) pointing out once again that they had already been paid the {$3.00} even though their statements didn't show such PLUS I offered to meet them half-way ( as had been suggested to me by a XXXX Customer Service Rep in a call weeks before ) - i.e., I would pay half the {$200.00} cancellation fee if they would credit me for the other half. I felt this was a fair proposal given that the XXXX technician who installed the 4K receiver and I obviously didn't communicate well and, as such, I didn't know that by installing that equipment I was committing to a 2-year contract extension. As of today, XX/XX/XXXX, I still have not received a reply from XXXX to my XX/XX/XXXX, letter - which is over 9 months since they received my letter! However, a few months ago, I don't recall the date, I received a letter from a credit collection company stating that they were contracted by XXXX to collect the {$200.00} amount which XXXX stated that I owed on my account. I immediately called the collection company and explained the situation as described above. The collection company agent was very courteous, apologized for any misunderstanding, assured me that she would document our call and that I should hear back from them in the near future. However, as of yesterday, XX/XX/XXXX, I received an alert from the XXXX credit bureau that my credit score had just dropped 43 points due to a negative report received from Credence Resource Management - the credit collection company hired by XXXX. I immediately called Credence and once again explained the situation as described above. The collection company agent escalated our call to her supervisor where I had to again describe the situation and my frustration that it had reached this level where it was now being reported to the credit reporting agencies, that I had offered to resolve the issue over 9 months ago and that I never received a response from XXXX, etc. The supervisor was courteous, sympathetic, and apologetic, and offered to settle the issue for an amount of {$100.00} which I agreed to and which I paid via my bank checking account during the call! The frustrating thing about this whole situation is that XXXX ignored my XX/XX/XXXX, proposal to 1 ) acknowledge that I had paid the undisputed charge of {$3.00}, and 2 ) accept a settlement of {$100.00} for the disputed {$200.00} cancellation penalty charge. Instead, XXXX turned this over to a debt collection company which, in turn, reported to the credit bureaus that I had refused to pay the {$200.00}! They have now ruined my credit rating which was an almost perfect score beforehand ( Excellent rating which has now dropped 43 points overnight to Good rating )! And this comes at a time when I'm considering refinancing my home which, with the lower credit rating score, will result in my having to acquire a mortgage at a less than favorable interest rate costing me thousands more over the years to come! Lastly, it's VERY important to know that I have been a loyal XXXX customer for over 20+ years, currently have 5 other XXXX accounts ( 2nd home and 4 vacation rental properties ), have NEVER missed a payment and have NEVER been late in making a payment! XXXX can attest to these facts!
Company Response: Closed with explanation

Timely Response

2019-08-25

Ridgeland, MS

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.
Company Response: Closed with explanation

Timely Response

2019-08-24

Lewisville, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: My credit has been deducted 85 points for and fraud saying I owe XXXX dollars and I have never opened an account with credence resource management ever and it's a fraud.
Company Response: Closed with explanation

Timely Response

2019-08-24

Mount Olive, OH

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: This company ( that never stated their name directly I only found it through my XXXX app ), initially contacted me on XX/XX/2019 about a debt owed to XXXX XXXX XXXX XXXX. After explaining the extenuating circumstances and that I wasn't able to pay the amount they demanded and asked for them to cease contact, they began to harass me for phone numbers of my spouse and family members to get the debt paid. I refused to give them any information and hung up on them when they began yelling at me. They have continuously called me every day since then despite my asking them to stop.
Company Response: Closed with explanation

Timely Response

2019-08-23

Arlington, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-23

Provo, UT

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. They can retrieve the police report directly from the XXXX XXXX police department.
Company Response: Closed with explanation

Timely Response

2019-08-22

TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.
Company Response: Closed with explanation

Timely Response

2019-08-22

Phoenix, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-21

AK

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.
Company Response: Closed with explanation

Timely Response

2019-08-21

Palos Park, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.
Company Response: Closed with explanation

Timely Response

2019-08-21

Orchard Mines, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am again disputing my debt with XXXX. On or about XX/XX/2019 I received a new demand letter from another collection agency, this time Credence Resource Management LLC ( " CRM '' ). On or about XX/XX/2019 I requested validity of debt ( see attached ). On or about XX/XX/2019 I received a letter from CRM simply stating that the debt was valid. I called and spoke with a representative at CRM on XX/XX/2019, advising them that I had requested validity of debt, including but not limited to, invoices, contracts, copies of statements. When advising the representative of this, he only kept interrupting me advising me that I can pay a lower amount to settle. I continued to advise him that I had requested validity to prove the debt. He then kept trying to terminate the call. Please note, I have disputed this debt with another agency, reference # XXXX on or about XX/XX/2019. CRM will only validate the debt by saying 'it is valid '. I do not feel this is appropriate validity of debt pursuant to the FDCPA. I have not had XXXX in years, I have paid all balances when I closed my account.
Company Response: Closed with explanation

Timely Response

2019-08-20

Brewster, MN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response