Consumer complaint received 2019-01-31
Company: Credit Protection Association, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/19 I was contacted by Credit Protection Association L.P ( CPA ) using an automated robo call.  The call itself was news to me since I had not received any notification in the mail of any debts owed. The call was also highly suspicious due to there being 1+ minute long pauses in between information being said. 

I called the number back and found out that XXXX XXXX had sent my account to collections. After I found out the information I needed to I told them not to contact me again or I would take legal action. 

I immediately called XXXX XXXX to ask what was going on, since I had an agreement ( or so I thought ) and payments were being made each month to pay down the balance. At this time I also paid the balance off in full directly to XXXX XXXX and requested a letter that showed this. The letter was sent the following day on XX/XX/19. 

I followed up with CPA telling them that there was no longer any money owed to XXXX XXXX, and that I am requesting that they remove all information they have about myself from their system. The refused. 

I spoke to someone in client services at CPA and was told they would call XXXX XXXX right now to confirm the payment and would call me back, neither of those things happened. 

A few days after the 24th a letter finally arrived notifying me of the debt, which at this point had already been paid. I disregarded it as I was still waiting at this point for the woman from client services to call me back and I had a letter from XXXX XXXX telling me it was paid. 

Fast forward to today XX/XX/19 and I have received a second letter from CPA identical to the first. The first one is dated XX/XX/19 the second XX/XX/19, They send a second letter to me before I even received the first one.

So I called CPA back to speak to someone about why they still have my information in their system and why they have sent me this second letter that they sent out a day after the debt was paid. I asked to speak to a supervisor and they transferred me to a phone line that rings once and then just stays open on the other end. This happened to me 4 times. They had no real intentions of dealing with this situation. 

I finally got a hold of a supervisor name XXXX, who I have spoken to before. Instead of giving me any answers he just referred me to their legal department ( as he had done previously ). However from the first time I know that their legal department is just one person named XXXX. When transferred to her it always goes to voicemail. 

Today I was able to get a hold of XXXX I had the operator keep me on hold until she could get her for me. XXXX however did not want to answer questions and told me that I should be worried about paying my bills on time. This was quite rude as she does not know what has or hasn't happened with my bills. She then told me that my Girlfriend left me and that I was destitute, again XXXX doesn't know anything about me so why would she say that? I asked for her bosses name and she refused.

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