Consumer complaint received 2019-02-12
Company: Certegy Holdings, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Certegy Payment Solutions , LLC is trying to collect a debt I do not owe for a purchase I made through XXXX XXXX. Certegy Payment Solutions , LLC claims to be the owner of the debt. 
-XX/XX/XXXX : Check written to XXXX XXXX for {$8300.00} for a furniture purchase. 
-XX/XX/XXXX : Check was processed by XXXX XXXX XXXX Deposit ( XXXX XXXXXXXX 's Bank ). An encoding error was made by entering the amount erroneously as {$8300.00} ( {$.00} less than the check was written for ). 
-XX/XX/XXXX : Check was processed a second time by a separate entity, XXXX XXXX XXXX ( XXXX XXXX 's Bank ), for the correct amount of {$8300.00}. 
-XX/XX/XXXX : XXXX XXXX ( my bank ) reversed the second transaction since the check was already processed. Letter was sent from XXXX XXXX to me explaining the reversed transaction. Due to XXXX XXXX 's encoding error, they were paid {$.00} less than the check was written for. My Bank ( XXXX XXXX ) can not do anything about the {$.00} variance. XXXX XXXX must initiate the process of collecting the remaining {$.00} through XXXX XXXX 's bank. 

XXXX XXXX sold a debt of {$8300.00} to Certegy Payment Solutions , LLC. Certegy Payment Solutions has been trying to collect this debt since XX/XX/XXXX. Certegy Payment Solutions has also hired a separate debt collector, XXXX XXXX XXXX XXXX XXXX XXXX, who is also sending letters trying to collect this debt. 

In summary, XXXX XXXX sold a debt for an amount that was incorrect in violation of the FDCPA. Certegy Payment Solutions , LLC and XXXX XXXX XXXX XXXX XXXX XXXX are trying to collect a debt I do not owe in violation of the FDCPA. 

I am attaching these letters sent by certified return receipt mail : -XX/XX/XXXX letter to Certegy Payment Solutions , LLC -XX/XX/XXXX letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-XX/XX/XXXX letter to Certegy Payment Solutions , LLC -XX/XX/XXXX letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-XX/XX/XXXX letter to Certegy Payment Solutions , LLC I am also attaching 2 additional letters received from Certegy Payment Solutions after my last letter sent XX/XX/XXXX. Based on the content of these 2 letters it is clear Certegy Payment Solutions , LLC has all the documentation to prove I do not owe this debt. They are now crossing a line into harassment.

-JXX/XX/XXXX letter where Certegy Payment Solutions , LLC is now requesting that I prove to them that the check I wrote has cleared my bank twice. This constitutes misleading and unfair debt collection practices since what they are asking for has not happened. The check cleared once, and XXXX XXXX has been paid. If the check cleared my bank twice, I would have paid twice the amount the debt was owed, and therefore XXXX XXXX would owe me {$8300.00}. 
-XX/XX/XXXX letter where Certegy Payment Solutions , LLC is ignoring a letter sent from my financial institution ( XXXX XXXX ) stating the check has been processed through my account. Certegy Payment Solutions , LLC has continually requested contact information for my financial institution, which I have provided. If Certegy Payment Solutions , LLC has an issue with the wording of the letter from XXXX XXXX, they should contact the bank, and confirm that XXXX XXXX has been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation