Product: Debt collection

To Whom It May Concern, I signed the contract with XXXX on XX/XX/XXXX and have paid the upfront payment of {$560.00}. On XX/XX/XXXX, XXXX overcharged me {$84.00}. The billing should be started from XX/XX/XXXX, and charged by XXXX, not by XXXX. XXXX, who I believed was an authorized dealer of XXXX, should be the party to automatically charge my credit card monthly starting from XX/XX/XXXX. 
After I made endless, countless phone calls from XXXX to XX/XX/XXXX ( literally 5 months ), XXXX agreed to transfer the {$84.00} refund to XXXX. And XXXX  agreed to use the refund to pay my monthly payment ( This fact was recorded on my XXXX account history notes. I have talked to so many representatives of XXXX XXXX XXXX, they all confirmed this fact ). 

Since {$84.00} was good for 2.5 months payment ( for XXXX, XXXX, and half XXXX ), I thought the reason XXXX  didnt charge my linked credit card was because XXXX  used the {$84.00} refund. Moreover, I have NEVER received any paper or electronic bill/statement from XXXX, so it was very hard to track. Then I found that defenders closed my account on XX/XX/XXXX WITHOUT any notice and placed my account with a debt collector, XXXX, XXXX XXXX XXXX. It was not me who terminated the contract. Also, after I found out the issue from the debt collector ( not even from XXXX  ), I tried to explain and cooperate with XXXX  and restart the service, unfortunately, after endless of phone calls, XXXX  was not willing to understand the situation but claimed that I terminated contract. Please note that, on page 4 of the contract ( XXXX XXXX XXXX ), it clearly stated that, if Contract Termination Charges apply, Dealer will notify me at least 10 days prior to the payment being collected. 

I have NEVER received any notice or warning from the dealer ( either XXXX or XXXX  ). I did NOT even know that XXXX  did NOT use the {$84.00} refund from XXXX to pay my monthly bills. If Defenders could contact me, both XXXX  and I could find out the misunderstanding and solve the problem. It was never my intention to stop the service. And XXXX  should NOT just assume that I did not pay the bills and give my information to a debt collector XXXX XXXX, XXXX XXXX XXXX ) without contacting me first. If XXXX  can not provide any evidence and documentations showing that they have had notified me at least 10 days prior to collecting the Contract Termination Charges, then XXXX  broke the Contract under Section XXXX. Billing ( on ALARM SERVICES CONTRACT, page XXXX ) and should not charge me the Contract Termination Charges or give my information to any debt collector. 

Moreover, I did the math, the total required payment from XX/XX/XXXX to XXXX should be : {$36.00} * 7 months = {$250.00} What I have paid for the monthly bills in total : {$84.00} + {$36.00} + {$36.00} + {$36.00} + {$36.00} = XXXX $ ( I can provide my Bank Statement ). 

XXXX  could notify me a late payment of {$26.00}, or just auto-charge my credit card ( on ALARM SERVICES CONTRACT, page XXXX, under Section XXXX. Billing, they have checked the box of To charge my credit/debit card for all ( i ) Service Charges and ( ii ) Contract Termination Charges. Also, see Attachment # XXXX, XXXX deductions and invoices. XXXX  could automatically deduct the owed {$26.00} from my credit card, as what they did before ). In short, the owed {$26.00} could be solved with an easy notification ; and should NOT be the reason of contract termination. Moreover, with an upfront payment of {$560.00}, any reasonable service provider wouldnt place their customer to a debt collector without contacting their customer first. I negotiated with XXXX  to pay off the owed payment of XXXX ( {$26.00} ) and resume the service, but XXXX  did not cooperate. If more evidence would be needed, I can provide the screen shots of XXXX of my phone calls to XXXX customer service; and a voicemail on XX/XX/XXXX showing XXXX  XXXX was still investigating my case and SHOULD be able to get back to me. 

In conclusion, I have reason to believe I do not owe this debt because of all the reasons listed above. 

On XX/XX/XXXX, I was reviewing my credit report and found Major Derogatory marks on XX/XX/XXXX, and on XX/XX/XXXX, so I called my bank. Through several phone calls of different departments of my bank, I finally found out that the Major Derogatory marks were reported from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Firstly, I am writing to clarify that I have never received any written notice or phone calls from these two organizations before XX/XX/XXXX. I called and emailed XXXX & XXXX XXXX XXXX XXXX right after I found the issue on my credit report. On XX/XX/XXXX, I have received an email response from XXXX & XXXX XXXX XXXX XXXX, saying that I could still dispute the alleged debt. I emailed back clarifying that I have had disputed the debt with the previous debt collector, XXXX, XXXX XXXX XXXX XXXX years ago. In the email, I also requested more information about this issue. 

I have received a written letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter stated that XXXX XXXX XXXX XXXX is not a third-party collection agency representing the original creditor ; and purchased my alleged debt on XX/XX/XXXX. The letter also attached a photocopy of the ALARM SERVICES CONTRACT. Please notice that this is the FIRST WRITTEN letter I have received regarding this case. And I disputed the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I have received the letter from XXXX XXXX XXXX XXXX, asking for additional information regarding the debt. 

I dispute all of the charges. And XXXX, XXXX XXXX XXXX SHOULD NOT sell my information to XXXX XXXX XXXX XXXX.