Consumer complaint received 2023-02-16
Company: R & B Corporation of Virginia
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, throughout XXXX, XXXX, Credit Control Corporation ( CCC ) violated many of my protected rights as a Consumer. The following list summarizes and then details those involved specific Consumer Protection laws. Also provided are descriptions of involved circumstances and proof I that validates them. 

Summary list of violated Consumer Protection laws and statutes : 15 U.S. Code 1692c - Communication in connection with debt collection. Subsection ( a ) : COMMUNICATION WITH THE CONSUMER GENERALLY : 15 U.S. Code 1692e - False or misleading representations - Section ( 2 ) ( A ) The false representation of the character, amount, or legal status of any debt.

15 U.S. Code 1692e - Section ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S. Code 1692g Validation of debts Subsection ( a ) ( 1 ) : NOTICE OF DEBT ; CONTENTS I ASK THAT CREDIT CONTROL CORPORATION DELETE INCORRECT REPORTING OF MY ALLEGED DEBT TO XXXX XXXX AND REMOVE ASSOCIATED COLLECTIONS STATUS WITH INVOLVED CREDIT REPORTING AGENCIES. 

Details of violated Consumer Protection laws and statutes 15 U.S. Code 1692c - Communication in connection with debt collection. Subsection ( a ) : COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
o In XXXX, XXXX, CCC contacted multiple Credit reporting agencies, including XXXX, XXXX, and XXXX, falsely claiming that I owed their client, XXXX XXXX XXXX In so doing, CCC generally communicated with me without my prior consent. 
o I informed CCC that my XXXX XXXX account should have been closed and the subsequent claimed debt amount was incorrect, factoring an unreceived reimbursement and promised service fee credits that were applicable prior to the accounts closure. I provided CCC the names of the XXXX Customer service managers who promised the reimbursement and service fee credits. I also informed those XXXX managers that I am vacating that service residence and requested my account be closed before XXXX XXXX, XXXX. 
o I requested that CCC at least defer the claim of my debt to at least until they confirmed these applicable service fee credits, CCC instead reported the alleged debt to Credit Unions. Further and by their own admission, CCC did not even attempt to corroborate those reimbursements and service credits. In so doing, they violated this section of the law ; generally and indirectly communicating to me via the credit unions ( an incorrect ) existence of alleged debt. 

o Proof : XXXX XXXX promised Service fee credits for XXXX XXXX services for the months of XXXX, XXXX, and XX/XX/XXXX. These promises are well-documented in XXXX XXXX  Case # XXXX XXXX, XXXX, and XXXX. I informed CCC of my carefully documenting numerous phone conversations with the following named XXXX XXXX  representatives and Senior Customer Service Managers. Each of these Reps confirmed that credits for those months were applicable, promised to apply them. 
In addition, they promised to also reimburse {$120.00} directly to my bank account. ( See attached ) The Representative names and the dates of some of those conversations are as follows : XXXX Customer Rep name : Precious XXXX Customer Rep name : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX name : XXXX ( XX/XX/XXXX XXXX Customer Rep name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX to XXXX ( Sr. Mgr ) XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX Customer Rep name XXXX XXXX Escalated to XXXX and XXXX XXXX ( Sr. Mgrs ) ( XX/XX/XXXX ) XXXX Customer Rep name : XXXX XXXX Escalated to XXXX XXXX ( Sr. Mgr. ) ( XX/XX/XXXX ) XXXX Customer Service Mgr name : XXXX. 

I have phone bill records confirming each of those phone calls to XXXX XXXX. ( Note that on many of the calls they kept me on hold for over an hour! ) I also have permissioned audio recordings of several of these phone conversations. In those conversations, the named XXXX XXXX XXXX Customer Service XXXX confirmed that they also possess recordings of these same promises of applicable service fee credits. 
The names of the involved XXXX XXXX XXXX, dates of conversations, and promises can also be independently corroborated by CCCs client, XXXX XXXX. 
15 U.S. Code 1692e - False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section - Section ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 
In XXXX, CCC contacted multiple Credit reporting agencies, including XXXX, XXXX, and XXXX, claiming that I owed their client, XXXX XXXX a debt of {$200.00}. In so doing, CCC a ) ..neglected to factor service fee credits for the months of XXXX, XXXX, and XXXX, XXXX. These credits were promised to me by CCCS client, XXXX XXXX, Customer Service XXXX and Senior managers. b ) CCC neglected to factor a promised reimbursement of {$120.00}, which I never received. 
Therefore, CCC falsely represented the character, amount, or legal status of an alleged debt. 
15 U.S. Code 1692e - Section ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
After I informed CCC that XXXX XXXX debt claim was incorrect and illegitimate, factoring promised service fee credits that were applicable prior to the accounts closure, CCC established and maintained the Collections claims in spite of my request that they at least defer the claims until they corroborated the applicable service fee credits. By their own admission, CCC did not even attempt to corroborate those claimed service credits or the un-received reimbursement. In so doing, CCC violated this law ; generally and indirectly communicating to me the collection of a debt. 

15 U.S. Code 1692g Validation of debts Subsection ( a ) ( 1 ) : NOTICE OF DEBT ; CONTENTS : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; In addition to failing to adequately validate the amount this debt ( as described above ) CCC failed to note my informing their client, XXXX XXXX, of my request to close the account by the end of XXXX, XXXX, as well as my informing them that I may not be able to receive subsequent communiques until I re-established proper residency elsewhere. In fact, I moved out of the state of XXXX XXXX XXXX. CCC never sent written notice of the alleged debt to my XXXX XXXX  residences. Instead, CCC claims to have left voicemail messages and emails. I did not receive any of these.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation