Consumer complaint received 2021-09-06
Company: Choice Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are currently 2 accounts placed in collection on my credit report by XXXX XXXX XXXX ( one for {$2400.00} and another for {$840.00} ) with original creditor XXXX XXXX XXXX. I would like to explain my situation and bring to your notice that firstly, these are not 'debt accounts ' and secondly, have been improperly forced upon me by the original creditor and subsequent debt collector. 

Timeline and explanation : I was enrolled in an XXXX  program with XXXX XXXX XXXX paying my term fees out of pocket ( not a student loan or private debt ) > On XX/XX/XXXX - I was faced with a personal family emergency and I duly informed the school of my urgent and unforeseen situation requiring me to leave the country immediately and unable to continue my studies there. My fees for the current semester were already paid in FULL and an upcoming semester was starting in a few months. The admissions office was helpful and provided me with a few forms to fill to arrange my departure. After I filled these, they confirmed me that everything was complete and I was good to go. I then proceeded to leave the country to tend for my family. I have attached a screenshot of my last email dated on XX/XX/XXXX confirming that everything was processed and NO further action was needed from me AND another email screenshot dated XX/XX/XXXX where the admissions official responded that the withdrawal was processed successfully. 

> On XX/XX/XXXX - A very rude lady named XXXX from the business office of XXXX XXXX  emailed me asking me to pay up for the next semester ( which I was not attending ) and asked me to pay up immediately and threatened she would have my name forwarded to a debt collections agency for the amount of {$2400.00}. I politely informed her that there maybe a mistake and she was not willing to listen to me. I then called XXXX ' - The US Dept of International education . They agreed with me that the school should not be harassing me after they had processed my departure and also because it was a emegency exit. They filed a ticket AND also noted that the school had not terminated my student records with XXXX in a timely manner in accordance with my exit ( XXXX complaint ticket attached ) > Sometime early in XXXX, I received a call from someone claiming to be from a debt collections agency saying that I owed {$2400.00} to original creditor XXXX XXXX. I explained my situation, provided the requested documents via email and the person said there maybe a mistake and that he would look into it. There was no contact since from that company or officer. 

XXXX XXXX XX/XX/XXXX - Choice Recovery Inc ( A new collection agency ) placed a collections account of {$2400.00} on my account. I took no action and again on XX/XX/XXXX - Choice Recovery Inc placed an additional {$840.00} ( unknown, with no context ) in collection on my account. I disputed this additional charge which I am unaware of through XXXX XXXX and they rejected my dispute. I have attached screenshots of both accounts in collections. 



Companies Involved : XXXX XXXX ( alleged original creditor for one account, additional {$840.00} unknown ) 1 XXXX XXXX XXXX XXXX, KY XXXX, United States Choice Recovery - Debt collector - XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, United States, XXXX XXXX

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