Consumer complaint received 2017-05-18
Company: Acquired Assets, Ltd.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good afternoon, upon pulling my credit I notice an account on my credit that I had not seen before and so I contacted the consumer finance and tried to dispute the information listed but was told that this was a legal debt. I then contacted the collection agency and asked what was the debt in regards to? As it turns out the debt was in regards to an insurance claim that was with a rental car that should have been paid by my insurance company. Apparently their was some miscommunications with my car insurance company  XXXX  and the bill was not paid when it should of been paid. I was able to reopen the claim with my car insurance company who then paid the bill on  XXXX   XXXX    XXXX  . I spoke to a  XXXX   XXXX   XXXX  with   XXXX   XXXX   XXXX   who told me that he was only removing the debt from my report because he was doing me a favor, I told him no this debt should of never been on my credit as I never received any notification and that it should of been paid by the insurance company prior to the current date that it was paid.  XXXX   XXXX  then told me that he will jo longer be removing the debt and that he did not have to do anything and proceeded to hang up the phone as I was speaking. I then called back and no one answers the phone, I placed a second call using my  XXXX  number and followed the prompt using the key pad in order to get to the receptionist so I can ask to speak to a  manager or  someone in charge. The person whom answered the phone stated that she was the owener but would n't give me her name after asking her to provide it many times ( recorded ) I proceeded to inform her that she is being recorded and that I will be filing a complaint to the CFPB and she informed me that if I wanted her help that I need to be quiet and that I just do n't know how to shut up. She refused to give me her name and told me that I can look it up. She also stated that when I file my complaint that I will still have to call her back after so I can go ahead and file the complaint. I informed her again that she was being recorded and that I am at work in the   XXXX   with withnesses around me and that I was not being disresptful and that as a debt collector she is suppose to provided her name but she continued to refuse and proceeded to hang up her phone on me. Also I would like to add that  XXXX   XXXX  stated that he does n't have to do anything and that all he has to do is write that the account was satisfied. The account was more than satisfied it was paid in full by the insurance company as soon as they realized that the bill was not paid. I find that this is a very disgusting way to treat a person who did everything necessary to ensure that the right thing was done. If I did n't care about this I would of just left it and not try my hardest to get the matter resolved.

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