Consumer complaint received 2018-09-03
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening to whom ever this may concern. 

On XX/XX/2018, roughly around XXXX XXXX, a tow truck came to my residents in the middle of the night to pickup my vehicle do to nonpayment on the vehicle. The next following day XX/XX/2018, I called XXXX XXXX XXXX XXXX in regards to my vehicle being repossessed. XXXX XXXX XXXX was the towing company that had took possession of my vehicle. Speaking with a XXXX XXXX XXXX representative that same day XX/XX/2018, I was informed in order for me to reclaim my vehicle into my possession, I had to pay the full amount in full {$2000.00}. Which that included the original monthly payments for the months of XXXX, XXXX, XXXX, and XXXX in the amount of {$300.00}, late fees {$100.00}, miscellaneous fees {$120.00}, and a repossession of fee of {$600.00}. A letter was supposed to be sent to the address that was filed with my XXXX account, stating " I had 10 days from the date they would send the letter out to have my vehicle reinstated back to me. '' A date was never mentioned over the phone of when the letter would be sent out. Also, I never received a letter in the mail from XXXX XXXX XXXX from the date I called them. XX/XX/2018, I went to the company that towed vehicle ( XXXX XXXX XXXX ) to repossess my personal belongings that were in the vehicle at that time. Signed my paperwork and let the company itself do as they wished with the vehicle. Fast forwarding to present time I received a letter in the mail XX/XX/2018, from a debt collection company ( XXXX XXXX XXXX ). XX/XX/2018 around XXXX XXXX XXXX I called a representative to discuss about the letter I received in the mail in regards to my XXXX account. Everything was discussed over the phone was being recorded and to collect a debt. Never once I signed any documentation for XXXX XXXX to collect a debt from me, and for me to continue to pay XXXX XXXX XXXX XXXX of the remaining balance on the vehicle of {$10000.00}. With little knowledge and not being fully inform of the situation that is occurring at this present time. I gave the debt collector representative my account number and routing number, and agreed for them to take {$75.00} out of my account the XXXX and XXXX of every month. XX/XX/XXXX, will be the first payment that will be taken out my account ( {$75.00} ), XX/XX/XXXX {$75.00}, and so forth and so forth for the first 12 months of {$75.00} on the XXXX and XXXX of every month. XX/XX/2018, my credit report shows that my XXXX account is closed. Numerous I have been harassed by XXXX in the past calling me more than once in a DAY about my account! Spoke with a representative and told someone when I could pay them, and how much I could give them as a payment at the time. Documentation was never implemented into the computer when I spoke with someone over the phone, because I kept receiving a call from XXXX, and I had to constantly explain myself to a new representative the same situation I told the first representative! Please, and hopefully someone I can speak with about my situation soon as possible! Thank You!

Company response to consumer: Closed with explanation