Consumer complaint received 2019-05-31
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AspenAspen National ServicesXXXX XXXX XXXX   XXXX XXXX FL XXXX Toll Free : XXXX ; XXXX ; XXXX : XXXX & XXXX & XXXX & XXXX an outside company hired by XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX United States XXXX. Aspen National charges me an additional {$250.00} for collection fees. XXXX   XXXX sent me a bill in XX/XX/XXXX for XXXX Maintenance Biannual/Even Fee of {$900.00}. On XX/XX/XXXX, I sent an email to make arrangements to pay the maintenance fee. My contract said it may increase or decrease, but XXXX XXXX XXXX XXXX has fail to decrease the maintenance fees but keep increasing, thus causing financial hardship. Since purchasing on XX/XX/XXXX, the maintenance fee has increase over {$300.00}. I called the maintenance department & made arrangements with a female for {$150.00} per month. After my 1st payment, I received an email XXXX that the fee went up to {$920.00} with a threat that if the account must be paid in full to avoid an additional 18 % annual interest and your account going into collections, as they will add on an additional 35 % .will be turn over to a collection agency. Mark you, I dont own a mortgage. On XX/XX/XXXX, I received this email from XXXX : Good morning, Please contact your mortgage department for a 1098 interest statement form. There is no form for the Maintenance Fees and Taxes. The Maintenance Fees and Taxes for XXXX was due XX/XX/XXXX, due to the payment not being received in a timely manner the account was turn over to collection. According to XXXX, supervisor at XXXX XXXX the cost was {$900.00} including real estate tax for {$150.00}. The taxes went up in May by an additional {$21.00} thats why the fee was {$920.00}. After making agreement with a female and speaking with a supervisor, I was threatened that if I dont pay the additional {$21.00} my account would be turned over to an outside collection agency which they did after making two payments. According to Mr XXXX, manager at Aspen National that the contract was unofficial because XXXX XXXX XXXX XXXX did not have my credit card on file XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Toll Free : XXXX ; XXXX ; XXXX : XXXX & XXXX & XXXX & XXXX an outside company hired by XXXX XXXX XXXX XXXX, Corporate Headquarters XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX United States XXXX. Aspen National charges me an additional {$250.00} for collection fees. XXXX   XXXX sent me a bill in XX/XX/XXXX for XXXX Maintenance Biannual/Even Fee of {$900.00}. On XX/XX/XXXX, I sent an email to make arrangements to pay the maintenance fee. My contract said it may increase or decrease, but XXXX XXXX XXXX XXXX has fail to decrease the maintenance fees but keep increasing, thus causing financial hardship. Since purchasing on XX/XX/XXXX, the maintenance fee has increase over {$300.00}. I called the maintenance department & made arrangements with a female for {$150.00} per month. After my 1st payment, I received an email XXXX that the fee went up to {$920.00} with a threat that if the account must be paid in full to avoid an additional 18 % annual interest and your account going into collections, as they will add on an additional 35 % .will be turn over to a collection agency. XXXX you, I dont own a mortgage. On XX/XX/XXXX, I received this email from XXXX : Good morning, Please contact your mortgage department for a 1098 interest statement form. There is no form for the Maintenance Fees and Taxes. The Maintenance Fees and Aspen National Services, XXXX XXXX XXXX XXXX FL XXXX Toll Free : XXXX ; XXXX ; XXXX : XXXX & XXXX & XXXX & XXXX an outside company hired by XXXX XXXX XXXX XXXX, Corporate Headquarters XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX United States XXXX. Aspen National charges me an additional {$250.00} for collection fees. XXXX   XXXX sent me a bill in XX/XX/XXXX for XXXX Maintenance Biannual/Even Fee of {$900.00}. On XX/XX/XXXX, I sent an email to make arrangements to pay the maintenance fee. My contract said it may increase or decrease, but XXXX XXXX XXXX XXXX has fail to decrease the maintenance fees but keep increasing, thus causing financial hardship. Since purchasing on XX/XX/XXXX, the maintenance fee has increase over {$300.00}. I called the maintenance department & made arrangements with a female for {$150.00} per month. After my 1st payment, I received an email  XXXX that the fee went up to {$920.00} with a threat that if the account must be paid in full to avoid an additional 18 % annual interest and your account going into collections, as they will add on an additional 35 % .will be turn over to a collection agency. Mark you, I dont own a mortgage. On XX/XX/XXXX, I received this email from XXXX : Good morning, Please contact your mortgage department for a 1098 interest statement form. There is no form for the Maintenance Fees and Taxes. The Maintenance Fees and Taxes for XXXX was due XX/XX/XXXX, due to the payment not being received in a timely manner the account was turn over to collection. According to XXXX, supervisor at XXXX  XXXX the cost was {$900.00} including real estate tax for {$150.00}. The taxes went up in May by an additional {$21.00} thats why the fee was {$920.00}. After making agreement with a female and speaking with a supervisor, I was threatened that if I dont pay the additional {$21.00} my account would be turned over to an outside collection agency which they did after making two payments. According to Mr XXXX, manager at Aspen National that the contract was unofficial because XXXX XXXX XXXX XXXX did not have my credit card on fileTaxes for XXXX was due XX/XX/XXXX, due to the payment not being received in a timely manner the account was turn over to collection. According to XXXX, supervisor at XXXX XXXX the cost was {$900.00} including real estate tax for {$150.00}. The taxes went up in XXXX by an additional {$21.00} thats why the fee was {$920.00}. After making agreement with a female and speaking with a supervisor, I was threatened that if I dont pay the additional {$21.00} my account would be turned over to an outside collection agency which they did after paying

Company response to consumer: Closed with monetary relief