Consumer complaint received 2018-04-18
Company: EOS Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Below is the letter sent to XXXX & the debt collection agency EOS CCA explaining the entire situation. I do not have dates as there were many calls made over the period of over a year. All proof is in XXXX 's database to include call logs, call discussions and the date the contract was voided and cleared out. 


XX/XX/XXXX XXXX XXXX XXXX XXXX ATTENTION : EOS CCA XXXX XXXX XXXX From : XXXX XXXX XXXX, EOS CCA To : XXXX XXXX XXXX XXXX : ILLEGAL DEBT CHARGE & DEBT COLLECTION IN CONCERN OF XXXX 1. My spouse and I entered into a contract with XXXX on XX/XX/XXXX. When signing up I explained that I would be working and living on XXXX XXXX the military base. At least twice a month I called in to XXXX explaining I hardly ever had phone service. I was walked through many different processing to rectify this issue until finally I was told that I could go to the nearest XXXX store and get out of the contract, as I was not promised the services I signed up for. 

On XX/XX/XXXX my spouse and I walked into XXXX XXXX to return the XXXX purchased phones and their contracts back to the original issuing XXXX store off of XXXX XXXX in XXXX, CA. The phones were taken, paperwork was signed and the employee known as XXXX told us we owed nothing and had made several complaints about never having phone signal on the XXXX XXXX base were I worked and lived. All documentation of every call, report of issue can be found in the XXXX database. 

On or about a month later I began to receive invoices claiming I owed money on the very account ; I was told had been cleared and closed out. It was then that I called in one evening to XXXX and spoke to a woman ( I never got her name ). We were on the phone for more than one hour as she tried to figure out why I had charges under my name. She verbalized that I should not have any charges as she could clearly see that the phones had been returned and the contract voided. She said she noticed that the store had not properly closed out the account and that I would need to contact the issuing XXXX store to fix the issue. She than called the XXXX XXXX store and spoke to the Manager on a three-way call. The manager explained he could see the same issue and would fix the issue as son as possible and the store had fired XXXX XXXX for similar actions. The manager told me he would call me in a few days to let me know the status. A week went by and I received not such call. I called the store many times, left messages and never heard back. I went to the store three times and the manager was never in. 

Weeks later I was not receiving any invoices any longer so I thought maybe the issue had been fixed. Than on XX/XX/XXXX I received a rather aggressive call from EOS CCA, claiming I owed a debt that was placed in collections and I need to pay {$1000.00} to XXXX by a XXXX XXXX ( who was pretty rude over the phone I might add ). After this call I checked my credit score and it dropped nearly 100 points. All due to an illegal and inaccurate charge made by XXXX. 

As an XXXX XXXX XXXX member my credit score is vital in maintain my security clearance. I have been in almost 10 years and this charge will ruin my military career. I am currently in the process of renewing my security clearance and will likely be DENIED because XXXX did not do their job. 

2. On XX/XX/XXXX I received another call from EOS CCA again asking for payment to the collection by XXXX XXXX. I explained the entire situation in a condensed version and explain I would not ever be paying for this debt and wanted it removed as soon as possible. She annotated a verbal dispute and gave the information to make the dispute in writing and said it could take up to a few months to get the issue rectified. This is also totally UNSATISFACTORY. With million so workers I am sure a large company like XXXX can rectify this issue in less than two weeks especially when it is their fault entirely. 

3. I have the right to an accurate credit report! I have literally done everything in my power to fix this issue ; an a charge in its entirety was due to the mishandlings of one of XXXX XXXX own company employees : XXXX XXXX who was an employee at the XXXX XXXX XXXX Step B in XXXX, CA. I am requesting be done upon receipt of this letter : for EOS CCA to pay for delete and have the debt removed from my credit report, a receipt of this removal. I am also requesting proof of debt ( debt validation request ) from the charging company ; XXXX XXXX and well as all the documentation from all the calls I made of the past year to dispute the charges before they were sent to collections. I do not expect to hear from EOS CCA except to confirm the account has been removed from my credit report and from XXXX. I will consider any other contact from your company as harassment and will immediately report your actions to the Federal Trade Commission and my State Attorney and if necessary, take legal action to protect myself. Finally, I expect you to remove this account and all references to my personal information from your records. 

4. I will also be mailing a copy of this letter to XXXX Corporate HQ and the CEO of XXXX. I will also be filing a dispute under the FCRA. Attached to this letter : a copy of my credit report that details the collection and a copy of my dispute to XXXX directly. 

XXXX. Please mail me proof of this claimed debt and all documents of my account from XXXX upon receipt of this letter. 

XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation