Consumer complaint received 2017-08-04
Company: Credit Protection Association, L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notice from a company by the name of Credit Protection Association LP attempting to collect a XXXX XXXX bill. First, name of company is misleading under Sections 807 and 808 of the FDCPA. I sent a letter X/XX/17 disputing the balance because I had never received a bill for this amount from XXXX. After sending the dispute letter, I went to the local XXXX XXXX office. I had moved and started service with them at the new house and discontinued service at the old house. XXXX had failed to put the new address on the old account so I never received a final bill. The old on-line account had also been disabled when service was moved so I could not go and see what I owed. I paid XXXX on XX/XX/XXXX the full amount owed of {$190.00}. XXXX manager admitted that not entering the forwarding address was a big problem and that their staff would be counseled on the proper procedure. Also notice the letter from Credit Protection had my old address ( see attached ) further showing the XXXX made an error by not putting a forwarding address on the account. We did have a USPS forwarding order on at the old house but we did not receive any forwarded bill from XXXX. I assumed that Credit Protection Association LP would contact XXXX due to my dispute letter to confirm the amount owed. But apparently they do n't have enough time to do that, so they just continue to send out letters demanding payment on an account that has already been paid. On XX/XX/XXXX received another letter from Credit Protection Association LP. I called them and asked why they were sending me another collection letter when I had disputed the account. The first person I talked to said that my letter did not qualify as a dispute. Even though my letter said : " I am hereby challenging your notice that I owe {$190.00}. '' ( See attached ) This is clearly a dispute of the balance owed. I then talked with a supervisor named XXXX and asked why they were still trying to contact me. She said their system indicated that they received a letter, but that it was not a dispute letter. After arguing with XXXX for several minutes and realizing she was n't going to do anything, I asked her to transfer me to the FDCPA compliance department. XXXX refused. She did give me a number XXXX XXXX. I called the number and the company name was completely different than Credit Protection Association LP. Something like XXXX XXXX. The extension she gave me was false because when I entered it, it disconnected me. I called back and opted out to the operator and asked to be transferred to the Legal Department. I left a VM for " XXXX ''. So my complaint is : 1. that the name Credit Protection Association LP is misleading. It makes them sound like a credit counseling company. I am sure others have been mislead. 2. they contacted me after receiving a dispute letter. 3. when I got on the phone with XXXX , she failed to repeat the mini-Miranda warning. 4. she did not transfer me to an FDCPA compliance person when requested. 5. they continued to try an collect a debt after it had already been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation