Product: Debt collection

On XX/XX/XXXX I recieved a XXXX day demand in the amount of {$27000.00} from XXXX on behalf of their client XXXX XXXX XXXX XXXX XXXX XXXX had been processing roughly $ XXXX in credit card payments for my business. We ended up recieving a large amount of charge backs related to a scammer using a stolen credit card, We delivered the goods to customers who paid the scammer, they had legal claim to the goods, XXXX allowed the credit card transactions to process. We had also enrolled in a chargeback protection plan and paid fees for this plan that XXXX and XXXX are both now claiming we did not pay, after closing our account, restricting access to fee statements and REFUSING to provide requested information we need to validate the alleged debt in its entirety. 

I responded on XX/XX/XXXX to a letter that showed a revised alleged balance of {$28000.00} stating that I would like to speak to someone, that I needed more information and that I had not been able to access my XXXX account since they closed it immediately following the chargeback issue. 

on XX/XX/XXXX We reached out to XXXX to follow up, they stated they were still waiting on information from their client XXXX. 

on XX/XX/XXXX we received a threatening email saying we have been " Non Responsive '' and that litigation would be pending, they have identified other revenue streams and would be continuing with involuntary collection efforts. We responded immediately " To call our effort non responsive is absolute nonsense. We have been in constant communication and requested additional information regarding this alleged debt. 

We have not received the proper complete validation of debt as required by law and we have further sought a response as to the failure of XXXX to fulfill its contractual obligation to cover chargebacks. 

THIS IS HARASSMENT and intimidation. We will not stand for it. We will meet your action with legal action of our own. 

We have been in communication and made every available effort to resolve this matter within reasonable requests for information. '' On XX/XX/XXXX I sent the below email. 

" XXXX, I am saying this XXXX final time. The intimidation emails must stop immediately. I am about to retain counsel for this matter. To say we have been non responsive is just false. 

If you continue your intimidation effort toward our company without providing a legible formatted validation of debt & explanation for the breach of contract which led XXXX to believe this alleged debt is valid, I will be reporting your company for illegal attempts to collect debt through malicious practices without grounds. 

The validation of debt we received is incomplete and not formatted in anyway that allows it to be read. Several transactions are blacked out. 

We have not denied that any money may be owed, we have simply asked for XXXX to provide information. Their failure to do so negates the validity of the debt and brings into question the legality of their contracting XXXX XXXX to intimate XXXX for a debt that they can not or will not provide clarity on. 

If XXXX fails to provide this information and continues with legal action to collect this debt, we will be forced to file our own action for breach of contract, in which case they will be forced to disclose the reason for their failure to abide by their chargeback and fraud protection contract that we paid fees on. 

The intimidation emails stop today. '' on XX/XX/XXXX I recieved the following email " XXXX, XXXX & XXXX XXXX XXXX ; I have been advised that you are either refusing to resolve or are non-responsive with regards to the balance owed to XXXX XXXX XXXX, XXXX. At this time, I have been asked to decide the final direction of your case and would like to assist you in resolving this balance voluntarily, especially during these difficult times. 

As you are aware, the agreed jurisdiction for litigation is in the XXXX of XXXX  ; you would be responsible for all costs associated defending your case IF this is the direction my client wishes to take. Surely, Credit International Corp. has determined your personal and/or business assets available to attach if judgment is pursued. '' on XX/XX/XXXX XXXX placed the account into collections on my personal credit report, prior to providing any legitimate requested validation of the debt. 

Out of fear, We offered to settle the debt through a payment plan should the negative mark be deleted from the credit report. XXXX with XXXX stated it would not be removed until payment was received in full. I continued to say that this was extortion and an abuse of the credit collection laws, they disagreed. 

Finally in the month of XXXX it was removed from my credit report, after several threats from me to file a complaint. I recieved an automated email on XX/XX/XXXX about the balance from XXXX, I did not respond. 

I am now being harassed by XXXX saying that I have been ignoring them, they are moving forward with legal action, ETC. 

We have been lied to and mislead by XXXX since that time stating that we did not finish enrolling in the program, that the program was $ XXXX and not the XXXX XXXX  of revenue we were paying XXXX. We have been restricted from ANY information that would resolve this matter and have continued to agree to negotiate with SIMPLE requests for information that they have refused.