Consumer complaint received 2017-08-08
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned that XXXX had sent a mobile phone debt to a third party collection agency Diversified Consultants Inc. when I applied and cosigned for a student loan for my son on X/XX/17. This appeared on my credit report under collection account. XXXX did and does not show anywhere on my credit report as the account was under my past employer. I utilized XXXX services when I worked for a former employer, received e- bills via email that I sent in with my expense account monthly for payment. We I left my former employer, the phone was taken away and I did not have access to email. The XXXX account did not show on my credit report as it was set up by my former employer. I called XXXX escalations at XXXX. I spoke with a Rep XXXX and his supervisor XXXX. He mentioned I had a balance of {$240.00} on the account. I told him about this being sent to Diversified for collection without every receiving a paper statement due to e-bill and not being to access when I left my previous employer. I would have paid the balance if I knew it existed to avoid issues. He told me that the debt would be recalled from Diversified and deleted from my CR if I resolved the balance, which I did, on X/XX/17. XXXX told me Diversified would received the letter within 48 hours. I spoke with his supervisor XXXX and she confirmed what XXXX had communicated to me. I also wrote a recognition letter based on XXXX 's patience and understanding in resolving this matter. ( I have copies of the emails sent to XXXX and payment confirmation ) .On XXXX/XXXX/XXXX, I called Diversified Consultants at XXXX and spoke with XXXX XXXX . I asked her if she received the retraction letter from XXXX and she indicated she did not. I asked her how she receives correspondence from XXXX and she told me electronically. On XX/XX/17, I then called XXXX escalations and spoke with XXXX as XXXX and XXXX were not available. He confirmed that the balance was resolved in full and the letter to recall the debt with Diversified was sent. I have a copy of the payment receipt so I asked him for a copy of the balance statement and information on the details sent to Diversified Consultants. Since this was communicated being sent electronically, it should have been available for the Diversified rep XXXX to view. XXXX put be on a brief hold and returned to tell me he could not provide me a copy of the letter or closing statement. He told me to wait and see what happens but could not validate the exact terms in the letter sent to Diversified. I then called back XXXX and she told me that I have to resolve this with XXXX as they are a debt collector. I asked to speak with a manager and she told me my agent was not available. I expected this to be resolved timely by XXXX based on my discussions and their commitments. My sons loan is on hold due not having the opportunity to resolve this when it was due. I never receive any letters from XXXX or Diversified Consultants.

Company response to consumer: Closed with explanation