Consumer complaint received 2020-06-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern : At the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of Credit Management , LP. 

This collection agency is charging me for money that I do not owe, and I want any and all derogatory fraudulent collection information that they have placed onto my credit files removed. 

With the assistance from a representative from XXXX  XXXX XXXX, him being on the phone, In XXXX of XXXX, I had purchased online, on sale and from XXXX  XXXX XXXX. a washer, and a mattress, and box spring set, these items were being sold under one of their big promotions, as well as a, Save the Tax sale. 

The mattress set that I had purchased, turned out to be defective, and ended up having a sink whole it the mattress that caused me great pain and discomfort throughout my body, as well as, the mattress set came full of bed bugs. 

When I initially contacted XXXX  XXXX about the problems with the bed, they wanted to do nothing about the problems that I was having, and they ignored me. 

Upon further research, I found out that I was not the only XXXX  XXXX customer that had, had problems with this mattress set that they were selling. 

XXXX XXXX refused to put me in contact with the manufacturer of the mattress set, and in XXXX, both they and XXXX XXXX, were contacted by an attorney on my behalf. 
( Copy of letter attached ). 

After months of them not acknowledging my letters, I filed a complaint against XXXX XXXX. I wanted them to understand that I wanted my money back, as well as I wanted some compensation for the pain and suffering that I was enduring sleeping on that bed. 

I had not retained an attorney as of yet, but I did consult with one, and I was going to file a claim in small claims court. 
After XXXX received my last contact to them, they decided to pay {$780.00} to replace my mattress under the warranty, and of which the payment went directly to XXXX  XXXX, this was supposed to be reimbursement for my defective mattress, I never received any funds. 

In the beginning XXXX  XXXX wanted to do nothing about the mattress, then when they received the funds from the manufacturer, they wanted to dictate what was supposed to be done with the money. 

I wanted to purchase a replacement mattress by another manufacturer, due to the fact of the reputation that I now know of XXXX mattresses, but XXXX  XXXX insisted that I had to purchase a XXXX   mattress as my replacement, they would not let me choose anything else. 

The representative that I was dealing with from XXXX  XXXX seems that she was making up her own rules of what was going to take place as far as my replacement mattress, she seemed as though she was superseding in everything that was going on, I was never allowed to speak to the representative she called XXXX, from XXXX. 

The pricing of the mattress, everything, she made sure to ring every XXXX out of the refund, and even wanted to charge me even more on top of everything else for the replacement of the defective mattress. 

I have a replacement XXXX  mattress again, and this mattress is no better than the one that was replaced. 
They had made the replacement selection so miniscule, that I ended up with a piece of trash again. 

In my initial purchase order, I had paid XXXX  XXXX for a mattress, and box spring set, so it had 3 parts to the bed, they only replaced the top mattress, and left me with the bed bug ridden box spring. 
I am still fighting the bed bug issue that XXXX  XXXX has caused in my home. 

At the time of the initial purchase back in XXXX of XXXX, when I ordered the washer, and the mattress set, I had paid up front at the time that I placed the order, {$580.00}. 

And since XX/XX/XXXX, to XX/XX/XXXX, I had made monthly payments in the amount of {$670.00}. 

All of the money that I have paid in comes up to {$1200.00}, and on top of that XXXX XXXX has paid to XXXX  XXXX {$780.00} for the replacement of the defective mattress. 

XXXX  XXXX has been paid, more than in full, they received {$2000.00}, and I do not owe them nor this collection agency Credit Management , LP, another dime. 

I am providing proof that I had closed my XXXX  credit account because they are not a reputable merchant, and if this collection agency has made any change on my credit files to reflect anything different, they need to make the correction. 

I have been considering for some time now is to take XXXX  XXXX XXXX to court, because what they have done is despicable. 

The only reason I have not done so as of yet, is due to the fact that I am a XXXX  citizen, with health issues, and this pandemic has stopped me for now, till things change for the better. 

I want this collection agency to cease and desist from contacting me ever again. Credit Management, L.P, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation