3329683
|
2019-08-05
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other debt
|
Date Received |
2019-08-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-08-05
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I moved from XXXX Massachusetts to XXXX Mass. Not knowing that I had a bill from XXXX XXXX. I put in a post office change..got a bill from credit protection..Which I thought was fake..I called XXXX XXXX..they told me how much I owed..I set up a payment plan with them to pay XXXX per month until bill is paid in full..XXXX XXXX was accepting my payments..then I got another card from credit protection saying to call them..on XX/XX/15, I explained to them I already have set up a payment plan with XXXX XXXX..I was told, stop paying them you have to pay us..I paid my first payment of XXXX to them and told them I will be paying XXXX through my bank XXXX and XXXX then finished..I specifically asked the guy I was talking to would this affect my credit he said NO. As long as you pay..two weeks later they put it on my credit report..this isn't right..I want this off my report NOW..the last XXXX I sent to be paid on XXXX and XXXX..no payment owed..DO THE RIGHT THING..IF I KNOWN THIS, I COULD'VE CONTINUED TO PAY XXXX XXXX.. XXXX
|
Consumer Consent Provided |
Consent provided
|
|
2744156
|
2017-12-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2017-12-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-12
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance.
XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week.
XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment.
XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again.
XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}
|
Consumer Consent Provided |
Consent provided
|
|
1816555
|
2016-03-05
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-03-05
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2016-03-07
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.
|
Consumer Consent Provided |
Consent provided
|
|
1363955
|
2015-05-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt resulted from identity theft
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-05-06
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-05-06
|
Company Public Response |
Company chooses not to provide a public response
|
Complaint What Happened |
I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
|
Consumer Consent Provided |
Consent provided
|
|
1203489
|
2015-01-22
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2015-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-01-22
|
Consumer Consent Provided |
N/A
|
|
730283
|
2014-02-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Medical
|
Date Received |
2014-02-25
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-03-01
|
Consumer Consent Provided |
N/A
|
|
1191919
|
2015-01-14
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-01-27
|
Consumer Consent Provided |
N/A
|
|
727507
|
2014-02-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-02-21
|
Submitted Via |
Postal mail
|
Company Response |
Closed
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-02-24
|
Consumer Consent Provided |
N/A
|
|
1368404
|
2015-05-09
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
I do not know
|
Date Received |
2015-05-09
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-05-11
|
Company Public Response |
Company can't verify or dispute the facts in the complaint
|
Consumer Consent Provided |
Consent not provided
|
|
2270963
|
2017-01-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt resulted from identity theft
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-01-01
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-01-01
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus
|
Consumer Consent Provided |
Consent provided
|
|
1428914
|
2015-06-20
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Contacted me after I asked not to
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-06-20
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-06-20
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2488907
|
2017-05-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2017-05-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-05-19
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I was subjected to unauthorized charges ( cramming ), and breach of agreement within a contract. XXXX XXXX ( XXXX ) ( 1 ) Did not provide a brief, clear, non-misleading, plain language notification of the chang e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report.
The debt collector ( Credit Protector Association ) did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which XXXX admitted to not notifying me of charges. XXXX without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.
|
Consumer Consent Provided |
Consent provided
|
|
1275934
|
2015-03-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2015-03-10
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-03-10
|
Consumer Consent Provided |
N/A
|
|
3074849
|
2018-11-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other debt
|
Date Received |
2018-11-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-11-15
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
The aforementioned account with XXXX, formerly XXXX XXXX XXXX was paid in full with an agreement from the collection agency Credit Protection Association to be removed from my credit report. The account is still being reported on my credit file negatively.
|
Consumer Consent Provided |
Consent provided
|
|
2734966
|
2017-11-21
|
Written notification about debt
|
Debt collection
|
|
Tags |
Older American, Servicemember
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
I do not know
|
Date Received |
2017-11-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-12-01
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|