Consumer complaint received 2022-06-05
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It is my understanding that the Federal Trade Commission ( FTC ) oversees and regulates violations of the Fair Debt Collection Practices Act ( FDCPA ), which is a law intended to protect consumers like me from potentially abusive and harassing behaviors of creditors like Bull City Financial. Bull City Financial Solutions , Inc. continues to report false and inaccurate information to my consumer credit file across all three consumer reporting agencies including XXXX, XXXX, and XXXX which are causing my financial standing to look poorer than it really is. Therefore, I believe that they are knowingly and illegally causing malicious and adverse effect on my credit file. It should be noted that I have submitted several disputes regarding this collection account ( since XX/XX/21 ) to the consumer reporting agencies previously mentioned. However, Bull City Financial has continued to ignore the disputes and falsely validate inaccurate information/ balance due for this collection account. This debt was PAID IN FULL to the original creditor ( XXXX XXXX ) on XX/XX/21 and Bull City Financial and the CRAs were provided with confirmation of my payments. Copies of my payments included a bank statement and/or screen shot of bank account activity. I also contacted XXXX XXXX directly ( case # XXXX ) and ( case # XXXX ) multiple times regarding this dispute who confirmed that they have submitted confirmation of payment multiple times to Bull City Financial Solutions and requested that Bull City seize all collection and credit reporting activity of this account. However, despite knowing this account is no longer collectible, Bull City Financial has continued to perform collection practices to falsely manipulate the amount due on this account. They updated the amount on the account from {$1000.00} to {$1000.00} rather than a XXXX balance since the collection account was paid in full. Plain and simple, there is NO balance due on this account, but Bull City still has an open collection on my credit report attempting to collect this amount. Since Bull City Financial has and continues to use unfair or unconscionable means to collect or attempt to collect this debt, I am requesting that this collection account be DELETED from my credit file immediately due to consistent violations of my rights. Simply put, Bully City Financial demands for monetary amounts are not contractually legal. The amount represented on my credit file from this creditor is inaccurate and Bull City Financial have been informed of the inaccuracies of this account by myself, XXXX XXXX, XXXX, XXXX, and XXXX, yet they are trying to collect monetary amounts that are greater than the amount thats actually owed. Again, this is a violation due to this account being paid in full to the original creditor and no payment is due on this account. The amount due is {$0.00} NOT {$1000.00} as reported by Bull City Financial, which again is a blatant violation as I have and continuing to suffer from abusive collection practices from Bull City Financial. A federal law, the Fair Debt Collection Practices Act ( FDCPA ), says that a debt collector is not allowed to use unfair practices to collect a debt. For example, a debt collector may not try to collect charges in addition to the debt unless they are allowed by the contract or state law. This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed. Given the latter, Bull City Financial Solutions has clearly ignored these rules therefore, I am making a formal complaint as I am tired of being hounded for debts that I have already paid. This is unacceptable and I refuse to have my rights violated any further and want something to be done regarding the illegal practices of this company. In my opinion they should no longer be allowed to operate when they violate the FDCPA but ... this has yet to be put into practice.

Company response to consumer: Closed with explanation