Consumer complaint received 2022-01-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Initially purchased a bunch of products online. I had made duplicate orders on several items and there was a couple occasions where those items did not arrive. I reached out to to the retailer and they refuse to cooperate in which I then communicated to my bank XXXX. They initially issued the credit lawfully as what should have been done and then after seeing a credit of similar or same amount as I had mentioned I ordered multiple of the same items they went ahead and took it upon themselves to overdraft my account for the amount in which they had given me already and initially as you'll be able to see that in the transaction history. I immediately called them and asked what happened and they said that I needed to take it up with the retailer and I explained to them that I did do everything as all of my due diligence which is the reason why I was reaching out to the bank. I then scanned all of the purchasing receipts and all of the required information that they asked of me and still never did they give me a response back. Now the amount of {$730.00} is being brought up in collections proceeding. Please inform XXXX Bank that if they do not resolve this I wish to move to arbitration. I will formally let them know upon rejection if that be the case. They assured me through multiple forms of advertisement upon me becoming a customer that I was safe with them and I had this protection for instances just like this and in turn I got hit from both sides and it causes significant amount of damage to my credit and now with the collection proceeding. The irony is I had not received a response back regarding all of the paperwork I gave them around this transaction after they already gave me the credit and then enabled enough time for me to spend it before readjusting it to their convenience with many occurring fees over. They refuse to basically work with me at all told me to reach out to the retailer and I explain to them that I have done everything and that this was their protection they offered and then they refused to capitiate and even get back to me and yet they take the time out to put this into collections after I attempted to send them a personally issued bond for {$1000.00} as it is the only payment I have available at this time and it's still not lawful I should not owe anyway even this Bond I have personally issued is worth more than the credit behind this incident. The amount is unlawful and I gave them everything they asked for and was in constant communication and they still just continued their processes right over top of my request. I initially made a complaint because they denied my bond and still continue to proceed with collections but really this complaint is because they initially issued the credit as they assured me they would behind the protection they advertised as a customer and then wait for me to spend that amount only to overdrafted eventually and then start to charge me fees because I can not afford to pay back such a sum. This is predatory practice in my opinion and should be addressed appropriately. I want them to restore my account to the appropriate balance out of the negative so that I can use the services that I was promised initially. After all of this honestly it's their prerogative if they want to close the account that is fine just please cease and desist all collection practices and acts as it is not a lawful debt. Thank you

Company response to consumer: Closed with non-monetary relief