Product: Debt collection

I received a notice from First Financial Asset Management ( FFAM ) dated XXXX XX/XX/XXXX in regards to an alleged debt with XXXX XXXX, the company that XXXX XXXX XXXX falls under. This is the second written notice I have received in addition to multiple phone calls per day since XXXX from First Financial Asset Management. 

In my response to the first written notice from XXXX XX/XX/XXXX, I sent a letter dated XXXX XX/XX/XXXX. In that letter, I requested an itemized bill with an explanation of the amount owed. This request was made within 30 days of the receipt of the XXXX XXXX notice. I sent that letter via certified mail and have a signed receipt of XXXX XX/XX/XXXX. I have not received any documentation providing any verification of the debt or what it is for. In their latest notice, they state that they are willing to reduce the amount to {$470.00}. But again, I have no idea what this amount is for. 

For background, I reserved a rental car using my XXXXXX/XX/XXXXPoints on my credit card. The total was {$1000.00}. {$710.00} was paid with points. The remaining {$300.00} was charged to my XXXX card. When we rented the car, I requested that my husband be listed as an additional driver. They told me it was an additional cost of {$260.00}. This charge was billed on XXXX XX/XX/XXXX upon returning the car. A few weeks later, on XXXX XX/XX/XXXX, I was charged {$12.00} in tolls, which was also expected. 

When I received a notification from XXXX in XX/XX/XXXXXX/XX/XXXXthat a charge had been made to my card by XXXX in the sum of {$620.00}, I called XXXX immediately. No one had rented a car from XXXX since XX/XX/XXXX and the last charges for the rental were in XXXX. They took the charge off my card, investigated, and sent me a notice that I was NOT responsible for the charges. A new credit card was issued. 

On XXXX XX/XX/XXXX, I received a letter from XXXX XXXX in the amount of {$620.00}. I emailed XXXX as listed on their letter. I wanted them to explain what I was being charged for because the total based on the statement from XXXX XXXX, the charge for the additional driver, and the tolls equaled {$1200.00}, all of which had been paid. 

Upon further investigation, the {$260.00} that I was charged for the additional driver is inconsistent with XX/XX/XXXX policy that states A spouse or domestic partner is the only permitted additional driver on a rental secured with a debit card. In my research into what I paid, it seems that they owe me {$260.00} for erroneously charging me for my husband to be an additional driver. 

I am sending them another certified letter tomorrow restating my request - the XXXX request between FFAM and XXXX XXXX ( who also received a copy of the XXXX XXXX letter with the same enclosures - they signed for it a day before FFAM ). 

As I have told them in my current and previous letters, I need to know what this debt is for because I have proof that I paid XXXX is full in XX/XX/XXXX. 

I have copies of all documentation on my end, but nothing from them. Below, I have attached the copy of the letter I am mailing to them tomorrow which also includes a copy of the notice and the initial letter I sent to them.