Consumer complaint received 2020-09-18
Company: PlusFour, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To XXXX  Dispute Department, XX/XX/XXXX Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. 
Report number : Date Generated : XX/XX/XXXX XXXX XXXX. 
Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. 

For services performed on XXXX XXXX and XX/XX/XXXX0 in XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) has failed to invoice me. To this day they have never sent me a bill for their services. 

Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to XXXX. 

The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. 

XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX XXXX XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. 

XX/XX/2020, I called XXXX to request the claims from XXXX  in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. 

XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX  which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. 

XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. 

No useful discussion has been possible with the collection agency. They want all the money they can get. 

XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. 

I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. 

In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. 

Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. 
FTC

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