Consumer complaint received 2015-05-30
Company: Credit Protection Association, L.P.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is a corollary of my complaint about XXXX, case number : XXXX. Even assuming I owed XXXX, the last due date presented was XXXX XXXX, 2015. There was no default or delinquency present when Credit Protection Association began calling and mailing me, which was PRIOR to the due date of XXXX XXXX, 2015. Thus Credit Protection Association was attempting to collect a debt they had no legal right to collect and their conduct constitutes an illegal practice and harassment. Details follow below. 

On XXXX XXXX, 2015 I moved from XXXX XXXX attempted to transfer my service but was unable to do so, and so I cancelled all my services on XXXX XXXX, 2015. I called twice to verify that the cancellation had occurred and was effective as of XXXX XXXX. Because I had already paid for the entire month of XXXX, I was due a refund of {$21.00}. 
I later discovered that XXXX failed to disconnect all my services on XXXX XXXX as I asked, when I was subsequently billed for internet service which was not disconnected until XXXX XXXX, 2015. I received a bill dated XXXX XXXX, 2015 in the amount of {$36.00} due XXXX XXXX. 
I was assured by a XXXX representative in a phone conversation on XXXX XXXX that there was in fact no amount due from me, and that the bill dated XXXX XXXX, 2015 was an error. However, a few days later Ireceived a new bill, dated XXXX XXXX, 2015, in the amount of {$36.00}. This bill had no due date, but instead said " Due Now ''. 
I filed a complaint with XXXX. They put me in contact with XXXX 's Executive Customer Relations Department. On XXXX XXXX, 2015 I received a call from XXXX XXXX of XXXX. He called to inform me that a credit of {$36.00} had been applied to my account, and that I had a zero balance. 
On XXXX XXXX, 2015 I received a letter from a company called Credit Protection Association ( CPA ) dated XXXX XXXX, 2015 that said XXXX had turned the account over to them for collection. I called XXXX XXXX on XXXX XXXX, 2015 to inquire about this letter, but my call was not returned. 
As far as I am able to determine, I XXXX received a call from CPA on XXXX XXXX, 2015, the day my account was allegedly credited. I continued to receive phone calls from Credit Protection Association ( CPA ) until my check for {$36.00} to XXXX was cashed. 
I do n't know if this affair is the result of deception or just the workings of a large bureaucracy, but I am curious about the legality of XXXX sending my account to a collections agency even though I had not defaulted, nor was I delinquent, and after I was told the balance was zero. 
On XXXX XXXX, 2015 I contacted XXXX 's Executive Customer Relations Department to inquire about getting back my {$36.00}, however that call has not been returned. 
I have copies of every bill mentioned in this letter, as well as the voice mail from XXXX XXXX stating that I have a zero balance on XXXX XXXX, 2015. I also have the printout of a screen shot from XXXX XXXX, 2015 of another XXXX representative informing me on XXXX that a credit for {$36.00} had been placed on my account and I had a zero balance. 
If this was deception, it sure worked, because after all this I 've all but given up on getting my original refund of {$21.00}, while XXXX was able to extract {$36.00} more from me all the while claiming I did n't owe them money! 
Note : I may be spelling XXXX XXXX 's name incorrectly, as I am guessing the spelling based on hearing him say it. He can be reached at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief