Consumer complaint received 2016-09-27
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the XXXX complaint I file against XXXX XXXX XXXX with the CFPB for this debt to no avail. Approx. 6 months ago I walked into an XXXX XXXX XXXX store and entered into a contract for bundled cable service, home telephone service, and cellular service. I purchased an XXXX XXXX on a " buy one get one free deal '' as well. I sent one cell phone to my elderly mother in XXXX, whose cell phone bill I pay and whose service was included in my bundle of services. XXXX XXXX XXXX delivered my Mom 's cell phone almost 2 weeks after I purchased it bc they initially delivered it to the wrong address so my elderly Mom was without a cell phone for almost 2 weeks. Then XXXX XXXX XXXX told me they could n't provide the cable service I paid for and that the remaining services would cost me a lot more money per month because it was the bundling of services that qualified me for substantial discounts. The discounts were no longer available to me bc they could n't provide cable service. They also told me that I could cancel the contract altogether but that I had to return both iPhones within 3 days. I explained that my Mom would have to mail me the phone from XXXX so they agreed to extend the time within which I could return the phones and cancel the contract completely by ten ( 10 ) days because their records verified that it was their error in offering me the bundled services in the first place and for the late delivery of my Mom 's cell phone and the time it would take to have her return it to me from XXXX so I could return it to the store in XXXX. I returned both phones and canceled the contract in its entirety timely. Then the bills started coming. I spent countless hours on the phone with various reps who assured me the collections bills would stop because they were able to verify all of the errors and the issues that I described above. I repeatedly asked for a letter or email confirming they would stop collecting on this account. Each time I was told they could not provide documentation but that their collection dept was made aware - the account reconciled and properly closed out, and that I own them nothing. The collections bills kept coming. I filed a complaint with the CFPB. I never received a response from XXXX XXXX XXXX or the CFPB except the confirmation email that my complaint was submitted. Now XXXX XXXX XXXX has submitted me to an outside collection agency, Diversified Consultants, trying to collect on this bill. More importantly, they are ruining my credit score my submitting this fraudulent account to the major CRAs as a non paid account. I am at my wits ' end as to how to defend myself against this matter especially given that XXXX XXXX XXXX seems to hold all the cards - they breached the contract - have possession of the returned iPhones - never provided cable, cellular, or home telephone services, and are harassing me for money that I do not owe them and threatening to ruin my credit with collections tactics. Please help me. What do I do? Can we obligate their corporate office, their XXXX XXXX XXXX XXXX location and/or this collection agency to hand over all customer service notes and proof of return of the phones? It 's patently unfair, deceptive, and it must be illegal for them to do this. I literally have zero recourse against their actions except to file, for a XXXX time, a complaint with the CFPB.

Company response to consumer: Closed with explanation