Consumer complaint received 2018-01-08
Company: Andrews & Cox, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX, XXXX, XXXX XXXX lawfirm is attempting to collect a debt that I do not owe them, and they have not provided sufficient response to my request for debt verification that they allege that I owe XXXX XXXX XXXX. 

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to  discuss an account listed on my credit report. XXXX XXXX  indicated to me on that day and on 2-3 additional calls that the debt has been transferred/sold to XXXX and that I should contact them at ( XXXX or XXXX ). In contacting them XXXX on or about XX/XX/XXXX, I was referred to XXXX, XXXX, XXXX XXXX law firm ( XXXX XXXX XXXX, XXXX ... fax XXXX ). In assuming that I would get the run around, I called and mailed XXXX XXXX XXXX requesting debt verification on or about XX/XX/XXXX using a letter that I drafted from CFPB resources. My letter asked for specific details regarding : Why they think that I owe the debt and to whom I owe it ; The amount and age of the debt ; Details about their authority to collect the debt ; and whether they were prepared to accept a balance less than what they were claiming. To date, the only response that I 've been provided in writing is a Balance Due on the Account ( {$1900.00}, plus {$260.00} in interest and court costs ) and the name of the Original Creditor ( XXXX XXXX XXXX ). 

Today ( XX/XX/XXXX ), the collection representative named XXXX XXXX told me that I owed interest on the account but he never confirmed whether XXXX XXXX XXXX purchased the account. XXXX XXXX forwarded me to the voice mail of another collections representative saying that his name was XXXX XXXX and that he was out of the office and could n't take my call. I then contacted XXXX XXXX XXXX and XXXX XXXX Legal Department ( XXXX & XXXX ) again to inquire about whether the account was in fact sold to the collections agency or if it still belonged to XXXX XXXX. They confirmed that they do not own the account and encouraged me to call back before XXXX in order to speak with someone in their legal department that was not available. I called XXXX XXXX XXXX again to speak with someone that could help provide more clarity about why they were collecting for a debt that I do not owe to them, and why they have court costs associated with XXXX XXXX who is denying ownership of the debt. They only looped me back into XXXX XXXX 's voicemail. Also on today ( XX/XX/XXXX ), I attempted to contact XXXX XXXX XXXX again  and they would only confirm that they no longer owned the debt and provided me the number to XXXX to further clarify this matter. In calling XXXX their phone system and representative hung up on me three times. 

Again, I am contacting CFPB because I believe that XXXX/XXXX, XXXX, XXXX XXXX law firm are illegally attempting to collect a debt that I do not owe to them, AND they have been giving me the run around through their communication methods. 

Attached is my request to XXXX XXXX XXXX. Here is their contact information : XXXX XXXX XXXX Phone XXXX Fax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX

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