Consumer complaint received 2017-11-13
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dispute with XXXX XXXX On XXXX XXXX, XXXX, I contacted XXXX XXXX to initiate Internet and phone service. I was told I could use my own modem for the internet. They were supposed to turn on service but did not activate it and in calling them a number of times, I found out that I did need to use their modem. Since I was leaving town before that could be done, I cancelled my request for service. I talked to XXXX who confirmed the cancellation and gave me a confirmation number of # XXXX. Meanwhile, I retained my internet and phone service with XXXX XXXX XXXX XXXX now XXXX XXXX putting the phone on a seasonal hold, cancelling cable and keeping the internet active to use with my security camera. 
In XXXX XXXX, I got a bill from XXXX XXXX for {$100.00}. I called them and was told that it was a mistake and that it might take a few cycles to cancel the bill. They could see the account was never activated. 
In XXXX and XXXX XXXX, I got more bills showing I owed them {$100.00}. Each time, I called XXXX XXXX and was told it was an error and they would take care of it. 
On XXXX XXXX, XXXX, I got a letter saying I would be turned over to a collection agency if I did not immediately pay the {$100.00}. I called XXXX and found out that they had already sent my bill over to the collection agency and I would need to call them. 
On XXXX XXXX, XXXX, I called Credit Protection Association ( CPA ) at XXXX XXXX and spoke with XXXX XXXX, who said he would initiate a dispute on my behalf. My CPA reference number is XXXX. 
On XXXX XXXX, XXXX I got a letter from XXXX, saying a dispute had been filed with XXXX XXXX. 
On XXXX XXXX, XXXX, I called XXXX XXXX and spoke with XXXX XXXX XXXX XXXX. He said the dispute could take 24 hrs to 30 days but he had adjusted the amount owed to {$0.00}. He said because the bill was over {$100.00}, it had to go thru a more rigorous process. XXXX assured me it would be taken care of and gave me his personal extension of XXXX. 
I made three calls beginning XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, to XXXX and left messages on his voice mail saying that I have been getting almost daily calls from CPA about the collection. He never returned my calls. 
On XXXX XXXX, XXXX, I got another letter from CPA saying that I will be reported to the credit bureaus in approximately 30 days, if I do not pay. 
On XXXX XXXX, XXXX, I called XXXX XXXX and talked to XXXX, I asked for a supervisor and she connected me to a Florida office and I talked with XXXX. She said she could see that my account was not activated but I would need to be transferred to a collections supervisor. She also suggested calling CPA and filing a dispute. I told her I had already done that and filed a dispute with XXXX as well. She attempted to transfer me to collections and I got disconnected. Despite the fact the XXXX took my home phone number down in case we were cut off, she never called me back. 
I currently have an excellent credit rating and if this matter is turned over to the credit bureaus, it will be negatively impacted. Someone, please help me to stop this harassment for a bill I do not owe.

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