Consumer complaint received 2021-06-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a random email for the first time today, for an outstanding debt owed in the amount of {$690.00} and an account number, no other information given, no prior communication from this Company. Looks like a scam, as I have NEVER heard of this company before. I call the courts and they advised that they have this company as a third-party debt collector, however, they show no outstanding balances owed. Apparently, this is for an outstanding debt from 2013 to a Superior Court, for a traffic ticket, bogus! I have never received ANY type of written notification for any outstanding debt, within the 5-day period, MANDATED BY LAW! 

I call the company MSB ( Collection Agency ) and the gentleman on the phone tries to state that he is needing my current address to send me notification of the debt. The debt is over 8 years old ; I should have been notified immediately of ANY third-party company with my information that they were using, to try and collect a debt. He stated that they did notify me. When asked he could not provide the address. If he has sent prior written notification, then when wouldnt the Company have my address on file? I called the courts and they have my record of current address on file, and no notification of this outstanding debt and to contact the collection agency personally to resolve, which I did. 

Although this is NOT even a valid debt, California statute of limitations states the following : " California has a statute of limitations of four years for ALL debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. '' This debt is over 8 years old, with no record of nonpayment, any break of any contractual agreements either verbal or written. NOT VALID!

Not to mention the California law below, which reads : Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing.

Again, nothing was provided to me and this is the first I am hearing of it. Its not on my credit report, because A. ) Not a Valid Debt, B. ) No written notification of that debt was every received to process, and C. ) It has a 4-year limit on it for collecting any outstanding debt, which would make their debt completely invalid, on that reason alone.

They were advised by me to remove this invalid debt, without supplying any actual proof or record of, and to send me a letter advising this was an error and it has been resolved with no outstanding balances. 

Refusal was given, so I am now forced to file this submission of complaint, that I wish to have resolved as soon as possible, please.

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