Consumer complaint received 2015-06-03
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. 

For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. 

After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. 

XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. 

About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. 

To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes.

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