Consumer complaint received 2017-11-02
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the past 4 years I have been lost 3 jobs due to role elimination. Given my job losses my credit became damaged and I was forced to seek a loan from a high interest rate organization ( Spotloan ). My unemployment this time around has lasted longer than anticipated ( 11 months ) and I have been unable to pay back my outstanding debt with Spotloan. 

Today I received a call from a Debt Collection Agency claiming to now own my outstanding debt with Spotloan. The individual claimed to be from a collection agency name " XXXX XXXX XXXX '' the call came in from XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX XXXX and he gave me a call back number of XXXX XXXX XXXX XXXX Ext. XXXX. 

I knew that I had an outstanding debt with SpotLoan so I agreed to set up automatic debts to begin paying down the debt. XXXX XXXX was very unprofessional during our first conversation but I accepted the fact that I owed the debt and I just should make arrangements to pay off the balance. XXXX XXXX stated that they only did payments by debit card so I provided him with the necessary information. 

After hanging up with XXXX XXXX I checked my records and determined that the balance he quoted did not align ... I telephoned the company back.. The gentleman who answered the phone did not identify himself as being with XXXX XXXX XXXX he just said " Hello '' when I questioned him about the company he became very rude so I hung up. I than called back and asked to speak with XXXX XXXX directly. I was transferred to XXXX XXXX. I asked him again to provide me with my balance. He hesitated, became very irate and claimed my balance was {$800.00}. Well {$600.00} was the amount of the original loan but I had in fact made payments toward the balance. 

I called Spotloan directly to confirm my balance and they stated their records indicated the balance was {$510.00}. Their records also indicated that the loan was " pending '' sell but they could not tell me at that time who the loan had been sold to. Spotloan requested that I call back next week and they could tell me who the loan had been sold to. 

I called back to XXXX XXXX XXXX, to request a breakdown of how they arrived at the {$800.00} ... Again XXXX XXXX became irate and stated that if I did not want to uphold the arranged {$50.00} bi-weekly payments he would just sue me ... He continued to complain that the " little {$50.00} payments meant nothing to them ''. 

My concern is if this company " XXXX XXXX XXXX '' is a legitimate organization and how can they refuse to give me a breakdown of my balance. The original creditor ( Spotloan ) stated today that my balance was {$510.00}. 

How can I get alignment on my balance and confirm the legitimacy of XXXX XXXX XXXX. I plan to cancel my debit card thus blocking their ability to receive any payments until I can confirm the identity of this debt collector. 

Seeking guidance on this confirmation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation