Consumer complaint received 2019-07-15
Company: Aspen National Financial, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : FDCPA and FCCPA Violations re Collection Fee of {$340.00} by Collection Agency Aspen National Collections and Creditor XXXX XXXX at XXXX ( Florida ) Illegal and excessive Collection Fees added to my Timeshare Maintenance bill in the amount of 35 % of my balance Hello, Please stop Aspen National Collection Agency from charging illegal and excessive fees which they are calling " collection costs '' but in fact are not an actual collection cost because they are charging 35 % of the maintenance fee I owe on my timeshare with XXXX XXXX which is past due, and they are charging 35 % of the {$25.00} late fee I owe, and they are charging 35 % of the interest I owed on the timeshare maintenance fee -- all of which is illegal, unjustified and NOT expressly allowed under my contract/agreement with XXXX XXXX timeshare ownerhips and therefore a violoation of Fair Debt Collection Practices Act ( FDCPA ). 
Please file a lawsuit against Aspen National Collections for FDCPA and FCCPA Violations and also against XXXX XXXX at XXXX ( XXXX for Florida Statute violations ( FCCPA ) regarding the 35 % alleged Collection Fees charged by Aspen. This problem is WIDESPREAD. There are currently many legal actions and Class Actions against Aspen National Collections for chargeing % of fees on balance due and calling it a " Collection Cost '' when it clearly has nothing to do with the cost of collecton and is NOT an actual collection cost. 

Please force Aspepn National Collections to send me a new bill with only " reasonable '' collection cost, such as {$50.00}. that is reasonable for sending 2 letters to me. {$340.00} is NOT justified or a legal cost. Aspen sends out THOUSANDS of collection letters will illegal, excessive fees every year and they must be stopped. 

In addition XXXX  XXXX management told me that 35 % Interest will be applied to my balance due and credit reporting may occur in their XX/XX/XXXX Final Notice correspondence to me. In addition, XXXX XXXX sent an email Final Notice on XX/XX/XXXX and indicated where an additional 35 % Collection Fee will be applied to my balance due. Obviously, the 35 % Collection fee being applied is not a real collection fee and the right to charge 35 % of my balance was NOT expressly agreed to, or written in my agreement with XXXX XXXX at XXXX XXXX. There is no express agreement to charge any percentage of my balance as a collection fee and this 35 % charge of {$340.00} is not a real collection cost and therefore illegal, and certainly is not reasonable as required under Florida rules ( FCCPA ). Therefore, XXXX XXXX at XXXX, Florida is also in violation of State laws and allowing Aspen Collection Agency to violate FDCPA laws to collect payment for them. 

The {$340.00} " collection fee '' Aspen is charging is NOT a reasonable " collection cost '' as required under Floria rules and is NOT expressly agreed to in my contract with XXXX XXXX. 

Please see attached documents in support : 1. ASPEN National Collections XX/XX/XXXX Collection Notice for a total of {$1300.00} ( Amount ; {$980.00}, Interest : {$0.00} ; Fees : {$340.00} ) 2. My XX/XX/XXXX letter to ASPEN to request Debt Validation 3. XXXX XX/XX/XXXX response letter, enclosing a communication with the breakdown on the account with XXXX XXXX at XXXX : XXXX Maintenance FEE = {$920.00} a. Association Interest {$41.00} b. Late Fees {$25.00} c. Collection Fees ; {$340.00} -- > illegal fee - not a collection cost Total : {$1300.00} Interest ( 5.5 % ) APR 4.52 Total Due : {$1300.00} 4. Copies of documents attached to ASPENs validation letter dated XX/XX/XXXX : a. Copy of my Deed with XXXX XXXX ( my maiden name was XXXX ) b. Copy of Mortgage c. Section of Timeshare Bylaws d. Copy of Florida Statutes that show obligation to cover collection fees 5. XXXX XXXX at XXXX Final Notice Statement dated XX/XX/XXXX for total of {$970.00} ( {$920.00} maintenance Fee ; {$25.00} late fee ; {$13.00} interest fee XX/XX/XXXX ; {$13.00} interest fee XX/XX/XXXX ) ( was sent by mail ) a. with attached pink sheet labeled ***Final Notice to Owner*** stating where an additional 35 % interest will be applied to your balance due and Credit Reporting may occur ; b. Includes mailing envelope for payments only 6. XXXX XXXX at XXXX email dated XX/XX/XXXX re Final Notice from XXXX XXXX  a. Requesting balance due of {$980.00} b. States.... will be your final notification prior to our referring your debt to an outside collection firm, where an additional 35 % Collections Fee will be applied to your balance due If you need any further information, please let me know. I currently reside in Pennsylvania and my Timeshare is in Florida. I have never lived in Florida. 

Address for : ASPEN NATIONAL COLLECTIONS Attention : XXXX XXXX - Collection Manager XXXX XXXX XXXX XXXX, FL XXXX Address the XXXX XXXX Timeshare that i own : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Time Share Office : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief