Consumer complaint received 2018-11-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has initiated collections against me for {$710.00}. The {$710.00} is made up of two separate charges : {$250.00} for XX/XX/XXXX dues, and {$420.00} in credit card rewards. 

I discontinued my family 's membership with XXXX on XX/XX/XXXX, the same day that the team 's coach was fired by the XXXX. I held the position of XXXX of the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon resigning as XXXX, I turned over all club records, assets, passwords, everything to President XXXX XXXX. When our membership ceased on XX/XX/XXXX, the club terminated my access to XXXX, the on-line account for billing, etc. on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX posted a charge of {$250.00} to my account on XXXX XXXX for XX/XX/XXXX dues. Since my account was closed on XX/XX/XXXX, I had no knowledge of this charge until I received their collection letter. XXXX 's claim is that since our notice came after the XXXX of the month, dues would be charged according to contract. My dispute is that we resigned because the XXXX fired the coach and drastically altered the program, leaving my family no choice but to find another team. At the same time as the coach was fired, the XXXX cut back practice times, competition opportunities, and most importantly quality of instruction ( they hired college students as fill-ins for the head coach ). In general, the program they outlined was a skeleton of what the head coach had created. 

I further dispute this charge because of past practice/precedent. For XX/XX/XXXX-XX/XX/XXXX, dues billing was my responsibility as XXXX. No member was charged another month 's dues even if they left after the XXXX ... I was the determinant of that charge. It was not applied in the past. 

The second charge, {$420.00}, is the value of the rewards points that I accrued on my personal credit card while XXXX  of XXXX. The XXXX moved that XXXX is entitled to the rewards earned through purchases for the club. In XX/XX/XXXX, members of the XXXX voted on how to spend these rewards. As I stated in XX/XX/XXXX before the XXXX vited, I maintain that the rewards are my personal property, earned on my personal credit card, and no entity has the power to determine how the rewards are used. 

Further, I take issue with the practices of XXXX XXXX, an employee of Kinum Inc, the collections agency hired by XXXX. On XX/XX/XXXX, he mailed me a copy of XXXX 's responses to my dispute letter. The copy he provided me was impossible to read, which he so admitted in my call to him on XX/XX/XXXX. I requested a more legible copy, as I have a visual impairment that requires me to use magnification technology to read documents. He refused to provide a clearer copy, and stated that I should get someone to read it to me. 

Also, each correspondence that I receive from Kinum shows a different amount due. The original amount claimed by XXXX is {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$720.00}. I have no intent to pay any amount, but I do question the inconsistency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation