Consumer complaint received 2023-01-02
Company: Axela Technologies, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Saturday, XX/XX/2022 I received a certified letter from XXXX  Schwartz Vays XXXX XXXX  demanding payment of XXXX Fees. The letter demanded full payment of the XXXX fees for XXXX  or the Attorney would file liens and report such liens to the credit bureau to damage the credit. The tone of the letter was hostile, threatening and nasty. The letter specifically stated all fees had to be paid within 45 days basically 'or else '. The XXXX, XXXX XXXX XXXX, had not been communicative with me about the amount owed. The website also does not specify the amount owed. The online portal to make payments to them have not been set up for me. XXXX XXXX has previously rebuffed any attempt to speak with me regarding the fees. XXXX XXXX website states that invoices would be mailed and I have received no such invoice. I logged into Attorney Schwartz Vays website and input the number assigned to my residence which was in the letter and I see an entirely different amount than what is on the letter. 

I demand a full and itemized breakdown of all fees because I am not sure how the Attorney derived at the {$1100.00} balance on the website when the letter shows a balance of {$800.00}. 

I also demand the Attorney show documents proving to me his law firm is legally entitled to collect on this debt. 

I dispute the validity of the debt as it is shown to me because I am not aware of how the Attorney derived at the amounts. 

I also demand the Attorney provide documentation showing how much the yearly XXXX  fee is. Since XXXX XXXX won't provide this information either when requested or on their website. They are not allowed to pull numbers out of thin air. 

The Attorney 's letter demands full payment or else he will immediately file liens and seek to destroy my credit ( as his letter stated he would take the extra step of notifying the credit bureaus ). The Attorney 's letter makes no mention of XXXX having the ability to make payments. It only sticks with threats and hostile language. However, the website shows the ability to set up payments. So I am confused. If there is an ability to set up payments, why was this not mentioned in the letter. XXXX  Schwartz Vays went to great extent to bold language, and use language that I considered to be surprisingly hostile and threatening in all the ways he could HURT me.. without regard for my ability to pay or saying we will work with you. So is there an ability to make payments? 

I demand that all collection activities cease until the Attorney provides an itemized statement of the debt, proof that his firm is legally entitled to collect on the debt, and an explanation of why of why the online debt balance shown greatly differs than what is in his letter. I also request that the Attorney explain to me why his office is not required to be licensed in the state of Tennessee per his XXXX, and an explanation of why the website shows the option to make payments but his letter does not.

Company response to consumer: Closed with explanation