Product: Debt collection

Below is what I sent to XXXX. Not only did XXXX violate this but so did Diversified Adjustments. I was never ever communicated I had a debt that was owed. I am an executive with great credit. This violates the FDCPA laws referenced below. Below is the email to XXXX CEO and VP of Marketing that I sent. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am reaching out to you based on a very disturbing incident I had with XXXX. I am confident that as an executive of the company, you will ensure that this is rectified. 

I switched to XXXX XXXX XXXX in the XXXX. I actually regretted it and was going to go back to XXXX. Unfortunately based on my recent situation that WILL NOT and NEVER BE considered. XXXX is unlawful and negligent in debit collection of my account. 

Please see the details below : I closed the account and paid the final bill. At this time, my account WAS PAID IN FULL. 
My account details were immediately removed from the app. I was not able to access my account records. I asked how I could have access to my account records. They asked me for my PIN. I did not remember it. XXXX said there was no way to access my account without a PIN, nor were they able to reset it. I HAD NO WAY TO ACCESS MY ACCOUNT. 
I NEVER saw another bill from XXXX. 
I have a PERFECT credit score. I checked my report and saw that it had dropped drastically. I was SHOCKED to see a delinquent account/bill from a debt collector, Diversified Adjustments. 
I NEVER received a bill with an open balance. 
I never received a written notice from Diversified Adjustment. I asked details on how this was communicated, they said they sent a letter that was returned to them. They stated they had made calls, but they did not indicate who they were and asked for my personal information. For these reasons, I did not engage with them. 
They said I owed {$150.00}. They could not give me a break out of the bill : they indicated it was from XXXX. 
I was also asking for more information on Diversified Adjustments contacting me and they hung up. 
I was shocked since I did not receive a bill from XXXX. I called XXXX customer service. I spoke to XXXX at XXXX 0n XXXX ( I am sure this recorded call can be referenced. ) I was told they can not see any details of my account without a PIN and there was no way for me or XXXX to access it without a PIn??????????????????? 
I had no choice but to call back and pay the bill to get this off of my credit. However, I am not sure that a delinquent account can be taken off quickly or removed from my credit. 



According to the law, FDCPA, this has violated many laws. 
A bill was NEVER sent to me from XXXX!!!! 
A company that uses debt collection services should ensure that their agency sends a validation notice. The notice describes and verifies the money a debtor owes. A debtor must receive this in five days. NONE OF THIS HAPPENED. 
The letter should state it is an attempt to collect a debt. Give 30 days to dispute it, state the amount I owe, and give the name of the original creditor. THIS DID NOT HAPPEN A validation notice from the collection agency needs to educate the debt of the rules for recourse if they feel the debt was unjust. I never received a bill from XXXX or the agency! 


Impacting my credit is unacceptable because XXXX doesn't give access to their account. This is extra TIME THAT I DO NOT HAVE to resolve. This resulted in me getting a higher rating from my insurance that checked my credit at this time. 


XXXX needs to return my money and rectify this with the creditor immediately. 

I will be filing a complaint with the FTC, FDCPA, Consumer Protection ACT and am looking into a class action lawsuit. If this was done to me, this had to have been done to many. 

I hope this is relayed to your legal department and whomever runs your customer service. No way to access account information is unheard of!!!! I suggest an evaluation of your processes and changes be made accordingly. You also might want to find a new collection agency as they are almost as despicable as XXXX!!! 

I look forward to your response. 


XXXX