Consumer complaint received 2020-05-26
Company: SECURITY CREDIT SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I bought a vehicle from XXXX of XXXX, it was a XXXX XXXX XXXX, the dealership signed me up for automatic payments through a company called XXXX XXXX, before any payments were ever made through that company I read up on them, saw nothing but bad customer service and support reviews ad well as lots of people claiming fraud and such, so I called them had eye witnesses in the vehicle when I called stating I was canceling the account with them and paying my finance company directly, they gave me attitude but still agreed to close it, since my very first payment was due I always paid my finance company directly, then this month XX/XX/XXXX I get a collection on my credit report from security credit systems on my report stating it was opened on XX/XX/XXXX which makes no sense when especially never received any form of notice from anyone about this which is a violation of the fair credit reporting act and fair debt collecting practices, the collection states its for {$590.00} well for starters my monthly payment for my vehicle through my finance company was only {$580.00} a month not {$590.00}, upon me calling the collection company known as security credit systems about violating the law and the fair debt collecting practices and the fair credit reporting act they continued hung up on me, I kept calling back getting angrier and angrier as they continued to hang up me, finally the XXXX who answered the phone and kept hanging up on me said she would get someone else to talk to me, she put the phone down on her desk and I could hear her talking to other people in the office, I could hear all of them XXXX and complaining how they didnt wan na talk to me so she came back over didnt say a word and hung up the phone again, they refused any commit about no 30 day notice, no validating of the debt as well as all refusing to talk to me about it and just hanging up on me, the account in question is fraudulent cause it was closed before ever used, also upon this being done found evidence of attempted theft by autopay plus trying to take 2 different charges of two different amounts from my bank account, 1. For {$600.00} on XX/XX/XXXX then another 2nd. Attempted charge of {$630.00} on XX/XX/XXXX, both were attempted fraudulent charges of theft seeing as neither of those 2 charges were my monthly also the collection wasnt even my monthly car payment, also account was closed before they attempted these charges that they sent to a collection company called security credit systems who are violating the fair credit reporting act and fair debt collecting practices by refusing to comment, talk to me, validate the debt, or even send me any form of notice, and the fact that the original creditor tried charging multiple fraudulent attempted charges of theft when account with them was closed and was paying my finance company directly and at a different price than any of these charges or anything were.

Company response to consumer: Closed with explanation