Consumer complaint received 2021-07-17
Company: Mountain Run Solutions, LLC
State: MD
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:
I spoke to Mountain Run Solutions ( debt buying collection agency ) on XX/XX/21 at approximately XXXX hours. They alledge that I owe {$390.00} dollars from an old XXXX/XXXX  XXXX  alarm contract - a fact which I vehemently dispute. I recently noticed this on my credit report and disputed it with XXXX - who removed it. When I spoke to the agent from Mountain Run Solutions this morning, I was asking for a debt verification letter because, although it was removed from XXXX, it still remained active with another bureau. I gave her my email address and she confirmed that I would receive the debt verification via email in about 72 hours. I then asked the Mountain Run Solutions agent why they removed it from one bureau and not the others since I challenged the validity of the debt via dispute and won. The agent said that they simply no longer work with XXXX  and that's why it was removed. She quickly told me that the collection would remain on XXXX  and XXXX until I paid it. I told her that I guarantee it will be removed and that I'm not paying it - because I don't owe it. She very quickly said " Ok then, how about we not send you anything. Have a good day '' and immediately hung up the phone. 

My complaint is on 2 fronts : 1- I don't owe this {$390.00}. My contract term limit obligations with XXXX/XXXX  ended ; however, they, without communication to me, converted me to month-to-month. There had even been years of inactivity with the alarm system as it didn't even have power running to it. It had been left unplugged due to its location. Regardless, I paid as agreed to fulfill my contract term limit obligations. 

Because this account was on auto-pay/automatic withdrawal from my checking account, they were able to keep taking the payment out each month - even after my contract obligations had been fulfilled. I did not pay that close attention to my bank statements and missed the continued charges for a long time. That is clearly my fault. However, when I noticed it I contacted them. They told me about the month-to-month extension and I told them I wanted to immediately cancel. Unfortunately, they continued to charge. I called back ( and emailed them ) to provide written notice that this should have already been canceled and that I was stopping future automatic payments - which I did. Unfortunately, my written notice to cancel was somehow apparently and surprisingly insufficient and they continued to charge without canceling as requested several times. With automatic payments turned off, they then apparently began adding them up. Their continued charges from that point on amount to fraud and theft. XXXX/XXXX  later sold the debt of continued charges to Mountain Run Solutions for pennies on the dollar I'm sure.

2 - The Mountain Run Solutions agent threatened further negative reporting to the ther two bureaus besides XXXX unless I paid. Currently it is only on XXXX - so the agent was threatening to add it to XXXX. Further, and most alarming, after agreeing to send me a debt validation letter via email, the agent then changed her mind and said she wouldn't send me anything - after I told her I would not be paying this because I didn't owe it. 

The actions, by both companies, are predatory in nature. Their actions have caused financial harm by negative reporting, have been ectremely time consuming to fix, and have caused emotional damage with threats of continued and additional negative reporting - unless of course I agree to pay a debt that I don't owe. 

This is unfair and unacceptable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation