Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a traffic citation ticket issued to me by the Hawaii XXXX Judicial Court-XXXX in the amount of {$2400.00} on XXXX/XXXX/XXXX. The Hawaii XXXX Judicial Court-XXXX sent this citation debt over to MSB ( Municipal Services Bureau ), who is a " private collection agency '' contracted by the XXXX Judicial Court of Hawaii - XXXX to collect on this citation debt with me. This citation debt was sent to MSB on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter from MSB communicating their attempt to collect on this debt, but for a different amount of {$2900.00}. On XXXX/XXXX/XXXX, I sent a written letter direct to MSB exercising my legal rights and disputed their collection actions for that changed debt amount. I requested MSB to provide me their legal verifications for that debt owed. On XXXX/XXXX/XXXX, MSB responded to my dispute by sending me their response letter along with a copy of the XXXX Judicial Court of Hawaii-XXXX " Printable Calendar View '' which only states the dates of events that the citation debt went through. MSB did not provide me with any " valid '' documents proving the citation debt is lawfully owed by me and proof of their authority to collect it from me as well. In their letter dated XXXX/XXXX/XXXX, they stated that the " Printable Calendar View '' is validation of my debt owed to them. They also stated in that same letter, " if you feel this fine ws reported in error, you must contact XXXX Judicial Circuit of Hawaii-XXXX for additional information. '' On XXXX/XXXX/XXXX, I called Hawaii Traffic Violations Bureau at XXXX and spoke with XXXX for information on the citation debt. She told me it was still open and the amount owed is {$2100.00} only. On XXXX/XXXX/XXXX I sent another dispute back to MSB via their online consumer portal, disputing their validation response letter dated XXXX/XXXX/XXXX and the " Printable Calendar View '' debt validation they included as well. I demanded MSB to remove and clear the debt from my name for their invalid debt validation, for keeping the debt open beyond the 7 year debt collection statute limitations and also requested them to notify the XXXX Judicial Circuit Court of Hawaii-XXXX about these matters as well. On XXXX/XXXX/XXXX, MSB responded to my 2nd dispute sent to them on XXXX/XXXX/XXXX, acknowledging their receipt of my 2nd dispute but not directly addressing my issues. MSB overlooked my disputes and stated in their response letter ... '' this office recognizes your correspondence as a dispute of the balance we were contracted to collect from you on behalf of our client as well as a request for MSB to cease collection efforts. Pursuant to your request, MSB will no longer attempt to contact you about this matter. However, please be advised that this action does not resolve the balance owed to our client. '' I checked online with MSB 's customer portal to check my debt account status with them and I see that MSB still shows my account with this debt still remained as " active ''. On XXXX/XXXX/XXXX, I called MSB direct via phone and spoke with their representative named XXXX regarding my disputes and their wrong actions. He stated to me that " court fines are not subject to any credit laws whatsoever. The debt will remain open and active for collections. '' I hereby, file my complaint to CFPB for further investigation and a lawful and true response regarding this debt matter. I would like to know the truth with this debt matter. If our XXXX Judicial Court of Hawaii-XXXX sent this citation debt to a " private collection agency '', does n't this private collection agency fall in compliance to the Federal Credit collection laws? If MSB does have to abide by the Federal Credit collection laws, does n't this debt have to be removed and closed for their invalid debt validations? Also, if the XXXX Judicial Court of Hawaii-XXXX sent this citation debt to a " private collection agency '', does n't this debt get released from their collections as well?

Company response to consumer: Closed with explanation