Consumer complaint received 2018-10-29
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I attempted to resolve this in XX/XX/2017 and am now hearing from another collection agency trying to collect what I don't owe to XXXX. See below : XXXX XXXX <XXXX> Unsubscribe XXXX XXXX ( 1 hour ago ) to me XXXX, I want to help you resolve this. 
This is an important message for XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 

I want to help with your outstanding XXXX balance. 
Your balance of {$1300.00} with XXXX was sent to collections. ( This may have happened a while ago. ) The debt is now owned by XXXX XXXX XXXX and we're collecting on their behalf. 

I know this may be a bit confusing, but that's okay! You can reply to this email with questions or concerns, or you can visit our website to view your options. 

Resolve this Account Number : XXXX Click your account number to activate your account. XXXX XXXXXXXXXXXX account will make it easy to manage this balance. 
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Copyright XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Office Hours : XXXX XXXX - XXXX XXXX PT Monday - Friday XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX DBA XXXX XXXX XXXX account number is : XXXX XXXX <XXXX> Unsubscribe XXXX XXXX ( 1 hour ago ) to me XXXX, I want to help you resolve this. 
This is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 

I want to help with your outstanding XXXX balance. 
Your balance of {$1300.00} with XXXX was sent to collections. ( This may have happened a while ago. ) The debt is now owned by XXXX XXXX XXXX and we're collecting on their behalf. 

I know this may be a bit confusing, but that's okay! You can reply to this email with questions or concerns, or you can visit our website to view your options.

Resolve this Account Number : XXXX Click your account number to activate your account. XXXX   XXXX account will make it easy to manage this balance. 
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Copyright XXXX TXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Office Hours : XXXX XXXX - XXXX XXXX  PT Monday - Friday XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX DBA XXXX XXXX XXXX  account number is : XXXX Back in XX/XX/XXXX, this is the last response I received : XXXX XXXX <XXXX> Attachments Tue, XX/XX/XXXX, XXXXXXXX XXXX to me Dear XXXX, My name is XXXX XXXX and I am a Credit Service Manager here at XXXX. Thank you for your response. We would be happy to address any questions or concerns that you have. 


I understand that you reside in California. As we previously explained, BlueChip Financial, an entity wholly owned by the XXXX XXXX XXXX of XXXX XXXX, has a valid lending license issued by the tribe. XXXX is located and operates on our XXXX in North Dakota and has no physical presence in California, nor does it employ any staff in California. All loans are made from our XXXX. You remain obligated to fulfill this loan agreement that you sought out and accepted.

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