Consumer complaint received 2021-11-11
Company: Universal Technical Institute
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the following email ( too cheap to sent certified letter, how hopeful can they be for a favorable reply? ) : XXXX , XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX  ACCOUNT SUMMARY XXXX Reference # : XXXX Debt Description : UNIVERSAL TECHNICAL INSTITUTE Original Creditor : UNIVERSAL TECHNICAL INSTITUTE Current Creditor : UNIVERSAL TECHNICAL INSTITUTE Current Creditor Account # : XXXX Balance : {$8100.00} Toll Free : XXXX Fax : XXXX Email : XXXX Website : XXXX Online Portal : XXXX XXXX XXXXXXXX XX/XX/2021 Dear XXXX XXXX : The past due account has been referred to our agency for collection. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

1 payment of {$4000.00} to resolve your account in full for {$4000.00}. 

3 consecutive monthly payments of {$1700.00} to resolve your account in full for {$5300.00} 12 consecutive monthly payments of {$680.00} to pay your balance in full To take advantage of the discounted offer ( s ), please have payment ( or first payment ) in our office within 45 days from XX/XX/2021. We are not obligated to renew any offers provided. 

Sincerely, XXXX XXXX Management Office hours are : Monday-Thursday XXXX | Friday XXXX ( All times are Central Standard Times, CST ). 
Our fax number is XXXX or email us at : XXXX. 
All written correspondence must be sent to the following address : XXXX , XXXX., XXXX XXXX XXXX, XXXX, IL XXXX. 


Notice to California Residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.

You may request records showing the following : ( 1 ) that UNIVERSAL TECHNICAL INSTITUTE has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date of default or the date of the last payment ; ( 4 ) the name of the charge-off creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the charge-off creditor 's or debt buyer 's records prior to the sale of the debt, as appropriate ; and ( 6 ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. 

A request for these records may be addressed to : XXXX XXXX  XXXX, XXXX, IL. XXXX The law limits how long you can be sued on a debt. Because of the age of your debt, UNIVERSAL TECHNICAL INSTITUTE can not sue you for it, and UNIVERSAL TECHNICAL INSTITUTE can not report it to any credit reporting agency. 

Even though the statute of limitations has expired, you may choose to make payments. However, be aware : if you make a payment, the statute of limitations may start again. 











Contact us : XXXX XXXX XXXX XXXX XXXX CA If you'd rather not receive future e-mails, please opt-out here. 

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atp Message-ID : XXXX

Company response to consumer: Closed with explanation