Consumer complaint received 2019-03-22
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Count one In accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. 

Gold Key Credit Inc. received a copy of a letter titled CONTINENCE OF THE DISPUTE that I mailed to them on XX/XX/XXXX via certified mail requesting that they verify the alleged debt their company claims I owe. The tracking from the USPS # XXXX shows the letter was delivered on XX/XX/XXXX at XXXX and this letter dated above shows it has been more than 30 days and I have not received any proof that your company validated the debt other than a letter saying that the account is accurate and an itemized bill. 

Also it was requested for the agency to provide proof that they are legally authorized to work in the state of Florida which they never provided. 
Also the agency received my non response letter on XX/XX/XXXX at XXXX XXXX  via certified mail last for USPS # XXXX. 


Count two In accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. 

Gold Key Credit Inc. received a copy of a letter titled Reason for  resubmitting validation letter. dated XX/XX/XXXX, that was received on XX/XX/XXXX via certified mail and last four was USPS # XXXX at XXXX and shows it has been more than 30 days as well, and again I have not received any proof that the company legally validated the debt other than a letter saying that the account is accurate and an itemized bill. 


Also XXXX has confirmed that this account was deleted from their Bureau because of inaccuracy however, XXXX still maintains that according to Gold Key credit Inc. the account has been verified. 

A separate complaint has been launched against XXXX in a separate CFPB complaint along with a request from method of verification for not doing a legitimate investigation. 

Misleading and False statement On XX/XX/XXXX at approximately XXXX hrs, I call GKCI and spoke with the female supervisor and I explained that XXXX  stated that the account was deleted but she still maintained that she did not have any information that it was deleted and that their records show that their still was a balance of {$1000.00}. After explaining over and over again the situation, I asked her if there was anyway that she could check to see what's going on with the account. Her response was what do you want me to check? I stated that someone is in violation because the credit bureau is saying was moved down to XXXX  and your saying it is {$1000.00} and someone is reporting the wrong thing. Then she responded, saying, I dont know what to check. I dont know how to check what you are asking me. I cant call the credit bureau and ask them why is your account is down to XXXX. Then she asked me to fax it to her but did not explain why she wanted me to do this. She gave me her fax number XXXX XXXX when I faxed the information she had no intent to help with this situation. 

At approximately XXXX hrs I called back to discuss the fax I sent and her response was we did not report a XXXX   balance which was the same thing she said before ever sending her the fax. When asking her why would she ask me to send her the fax her response was so I can see what you were talking about so obviously she had no intention on help with the situation. 

On XX/XX/XXXX at approximately XXXX hrs, a representative gave me the direct number to the supervisor, XXXX, and at approximately XXXX I call to speak with the supervisor of GKCI and she answered the phone and I asked her did she authorized for XXXX to have the account to be deleted and she said no. I reminded her that this is my second time provided information to her that I explained that the account went down to {$0.00} and there was a request for it to be deleted and she said that she didnt. I explained that XXXX  had already deleted that account and they they would not have deleted it if GKCI did not authorize it. So stated it is not her job to make a decision to delete the account it would be the administration office. Then she asked me what is it that I want and again I explained that XXXX  is saying that it was deleted because of GKCI and but she was saying they didnt and I want to make sure that I was clear about who is telling the truth and who is lying. 

Also XXXX  informed me that when the account moved down to {$0.00} balance from {$1000.00} and that I called GKCI to verify this information that she went back to try to put the {$1000.00} back on the account before I would be aware of my rights to dispute because of inaccuracy. 


Also I felt that this supervisor intentionally tried to mislead me because back on XX/XX/XXXX at approximately XXXX hrs, her stating quote, I dont know what to check. I dont know how to check what you are asking me. I cant call the credit bureau and ask them why is your account is down to XXXX. when she knew the hole time that she could of lead me in the right direction with the administration office in the beginning. 

What was more disturbing is that I had to pry the information out of her in order to get the number to the Administration number which I could tell she was very reluctant. 

She stated that the person I need to speak to is out of the office until Tuesday and I asked whats her name and she said XXXX. 

When asking her what was the direct number, she said the number I called before and I asked is this the same number at the administration office and she said you came into the administration office and they referred you to my extension. I stated I am confused you just said I came into the administration I need that number she then said that was the number I called to get to me, then I said so you are part of the Administration, since you answered the phone. Then she said no that is my direct line. Then she tried to throw me off by saying did someone transfer you to my extension? And I said no I called XXXX and asked if that the number to the administration or is that not the number to the administration? Then she admitted that number was her direct line and said it's the number to payment administration. At the point it appeared that she was lying about what number I called her on and the title of the department and that fact that her office is in the administration office.Then I asked her could you give me the number to the administration? She said XXXX and I said so they should be able to provide the accurate information and I said, I didn't ask you that I asked you are they the ones that can provide the information correct? And her response was I am assuming so if they are the ones to delete it then they are ones to delete it. I said, there not opened on Thursday? She said they open but they are not here today. She is out of the office until Tuesday. 

So I asked, now when you say they are not here today, she is out of the office, that is two different things there is no one at the office I can call and speak with she said there is no one there that can answer your question. I asked if there anyone right though she said there is someone there but not someone that can answer your question. I called later and this same supervisor answered the phone. It appears she is running some type of scam. 

RECORDINGS CAN BE PROVIDED UPON REQUEST!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief