Consumer complaint received 2021-06-30
Company: Concord Servicing Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SECOND REQUEST LETTER XX/XX/XXXX Concord XXXX XXXX XXXX XXXX, AZ XXXX Concord Servicing Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Dear Concord : This is the second request letter for an audit of the above account with XXXX XXXX XXXX XXXX, regarding late payments on the solar loan account. The information contained in this letter was sent to Concord AND XXXX back in XXXX. 
As of XX/XX/XXXX, none of the information contained in this letter has been investigated as requested in the first letter sent to Concord and XXXX XXXX years ago. 
In the first request we asked that your company supply all the information below within 30 days so that we would be fully informed of the late payments XXXX claims we have missed and/or they have not credited to our account properly. We have not received anything from Concord or XXXX regarding this request in two years. 
This is the second time we have asked for this information and we need to hear from you to make an informed decision about the collection claim of past due payments. 
This is the second time we are requesting that all question be answered in this audit complaint and that all communication be done in writing within the proper amount of time. 
It has been two years your collection company should have completed this request within 30 days and that is not the case. Your collection company has far exceeded the 30-day requirement by the Fair Credit Bureau. 
Please answer the following questions and forward the completed documentation and results to the name and address above as soon as possible. 
1. Why you think WE owe the debt and to whom WE 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. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago 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? NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago 2. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. NO RESPONSE to first request made two years ago State the amount of the debt when you obtained it, and when that was. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago Tell me when the creditor claims this debt became due and when it became delinquent. NO RESPONSE to first request made two years ago Identify the date of the last payment made on this account. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago 3. 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. NO RESPONSE to first request made two years ago 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. NO RESPONSE to first request made two years ago In addition to providing the information requested above, please verify the amount that is past due, how/why this account was sent to collections in the first place and any/and all updated information you may have found in your two-year investigation.

We have attached the letter from Concord d
ated 12/10/2019 which is the only communication from Concord that we have received in two years. What happened and why did Concord not honor our first Letter of Request? 

Respectfully, See Attached Letter from Concord Dated XX/XX/XXXX. We have not heard back from Concord in two years regarding this matter. This is the only written notification we have received and Concord has far exceeded the 30-day time limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation