Product: Debt collection

To Whom it May Concern, My name is XXXX XXXX and Security Credit Systems is handling a matter for XXXX XXXX XXXX that wrongfully involves me. I was granted a XXXX XXXX  from the administration at XXXX XXXX. I was actually talked into it by a counselor at the XXXX  when Myself, My Mother, and a family friend went to the XXXX  I DID NOT XXXX for the semester in question. I wanted to try to make up the time I missed but was told I would not be able to. I was informed by a counselor that I would be granted a XXXX XXXX for the semester and would not be charged for the tuition fee. This was not a loan, just the tuition fee. 

Fast forward, and over a year later, I was contacted by Security Credit Systems. While trying to figure out what happened I have been contacted via phone calls from this company several times. On or about XX/XX/XXXX I notified Security Credit Systems that I was in dispute of this charge with XXXX XXXX XXXX. 

In XXXX of XXXX I did give Security Credit Systems permission to speak to my Mother about possibly discussing a settlement in order to eliminate this nuisance from my credit report. My Mother offered a 50 % settlement. Security Credit Systems said this offer was denied. We refused the much larger counter offer because I still felt this is a wrongful charge. 

On XX/XX/XXXX of XXXX a Representative of Security Credit Systems, a XXXX XXXX, called my Mothers Cell Phone and asked to speak with XXXX XXXX. He seemed flustered and asked Is this her Mom? Without any further verification of who he was speaking to he disclosed my debt and gave out my personal identification. He then stated that he noticed in the file that a settlement was offered in the past and rejected. The person that he was speaking to said that no other offer would be made by myself and I would be disputing this charge with the three credit reporting agencies. This is when XXXX XXXX attitude and tone changed from professional to belittling. When the dispute was mentioned XXXX XXXX cut off the person on the phone and replied in a condescending manner with something to the effect of, Yeah, look at where that has gotten ya. He then abruptly said, Ill remove your number and hung up. 

Almost immediately after, my Mother called Security Credit Systems and asked to speak with a manager on duty. After several clicks of the phone which my Mother understood to be several transfers. Giving her the idea that the company knew they did something wrong and no one wanted to take the call. Finally, someone picked up. My Mother asked to speak to a manager or a director. The person on the phone identified themselves as XXXX XXXX. XXXX XXXX said that there were no managers or directors there and he just took the call because he Helps out when the managers are not there. My Mother then informed him that there was third party disclosure on a phone call that we received a few minutes prior and wanted to speak with a manager. XXXX XXXX was able to look up all of my information using my Mothers phone number off of the caller ID which XXXX XXXX said he would be eliminated from the system. He obviously had not. Then XXXX XXXX who notified himself as an adjuster said that his manager, a XXXX XXXX, would contact us once he gets in. We never received a call that day. 

On XX/XX/XXXX my Mother called and asked to speak to the compliance department at Security Credit Systems. The woman who answered said One Moment and to my Mothers surprise the call was once again transferred many times until finally, AGAIN to her surprise, was picked up by XXXX XXXX voicemail. She did not leave a message as the issue, now at hand, was a matter involving the illegal practice of the debt collector, XXXX XXXX. 

After hanging up, My Mother called back immediately and asked to speak to XXXX XXXX. Again after what sounded like many transfers a man finally picked up. The man on the other line, who curiously sounded like XXXX XXXX from her XX/XX/XXXX phone call, identified himself as XXXX XXXX. This does come across as a very odd occurrence? Are people in this office falsely representing who they are or using aliases? Im not accusing them of that but it was strange. 

My Mother proceeded to inform XXXX XXXX of the matter at hand, an issue of Third Party Disclosure. XXXX XXXX informed my Mother that he was aware of the situation. My Mother then asked if he listened to the call. During the entire time on the call XXXX XXXX repeatedly avoided the issue of Third Party Disclosure by jumping around to the point of the original issue of my disputing the charge and the settlement offer. When he was asked again about the issue of Third Party Disclosure and the call to XXXX XXXX he brought up very specific parts of the conversation between my Mother and XXXX XXXX, almost verbatim. He also said he was well aware of the call in question. Although, according to him NOW, six days later he had never listened to it? He then said I spoke to XXXX about this, Didnt I already speak to you about this?. NO XXXX XXXX. XXXX XXXX did. My Mother informed him that it was now a twofold situation. The original dispute of the charge from XXXX XXXX and the issue of Third Party Disclosure. XXXX XXXX, oops Im Sorry, I mean XXXX XXXX said he would listen to the call and get back to her that day. Weve never heard from XXXX XXXX, XXXX XXXX, or Security Credit Systems since. 

Since that last call on XX/XX/XXXX both my Mother and I have called several times to Security Credit Systems and are always sent to voicemail. Which I feel is a very odd practice of a collection agency. Wouldnt a collection agency think that maybe Im calling to offer to make a payment or, are they aware of their negligence regarding Third Party Disclosure and correlating it to mine and my Mothers phone numbers that XXXX XXXX XXXX said he was deleting from the system on XX/XX/XXXX? 

I would please ask for yourself and your office to look into this matter and the practices of Security Credit Systems. 


Thank You, XXXX XXXX XXXX XXXX