Consumer complaint received 2019-05-03
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Affiliate Asset Solutions , LLC ( AAS ) has stated, that I have not provided any reason why I feel l am not obligated to pay this debt. 

My responses is, once the agency provides legal validation, I'll be more than happy to answer that question. Up to this point the agency has not provided any information to legally validate the alleged debt. 

Ironically your agency boast about being glad to provide your license # XXXX but in a quick swoop to reasonably discredit your agency, if you are indeed legitimate, if you are really a debt collector that is in line with the Fair Debt Collection Practices Act and you really believe I owe this alleged debt then why have you failed to put this account on my credit report? If you truly are an up standing collection agency and that a debt collector job is to get consumbers to pay their debts which would work in your favor and benefit your agency to make a profit, please explain the reason as to why you refuse work towards what your agency 's job is to do and why do you fail to follow the law. 

The agency also alleges they sent validation on XX/XX/19. If possible please provide the proof and evidence that you sent this alleged validation letter, that the itemized bill was deliverable to the same address because up to this point my records indicate that you have not provided any. 

Also please explain as to how you would send a letter on XX/XX/19 alleging that it is validation when the original/ initial bill is dated XX/XX/19. 

You also alleged that the letter was sent to the street address in this complaint but with XXXX . XXXX and that is one digit different than the address in this complaint. Please note that my records indicate that your assertion of your alleged validation letter may or may not have reached my address is irrelevant. USPS postmaster supporting response to this idea makes your claim  irrelevant and inexcusable. 


VP of Operations, XXXX XXXX or whom is may concern, let me remind that even though you have a recording, I too have a record of the conversation and in that particular conversation I clarified the correct address so to bring up the issue stating and saying that the apartment number is one digit off and then asked me did I receive an alleged validation letter is not sufficient and will be inexcusable in a court of law. 
Let me remind you that this information is shared with the Federal Trade Commission, which will add this complaint to its database for state and federal law enforcement agencies. I would be very careful with trying to cover up and confuse the truth. 

Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation