Consumer complaint received 2015-11-12
Company: SECURITY CREDIT SYSTEMS INC
State: NY
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:
In XX/XX/XXXX, I contacted XXXX University regarding taking online graduate engineering courses. I was accepted into the graduate engineering program and submitted the online application for the XXXX program. The application contained various information including my cell number, personal email and home address, employer information, etc. After being accepted into the program I spoke with someone from the XXXX department on the phone and selected XXXX online courses for the spring semester that would start in XX/XX/XXXX. I was now enrolled in the XXXX courses via that phone conversation. She informed me that the courses would require full payment one week prior to the start of classes in XXXX. She did not mention any other fees or specific cancellation process. 

I intended to pay for these courses through my employer tuition reimbursement program. In XX/XX/XXXX, my employment situation was changing and I began to seek out of state employment. As I did during the class enrollment process, I called XXXX to inform them that I was leaving my employer and would not be taking the XXXX courses. I believed that my registration to take the XXXX courses was cancelled as it was the exact same process I used to register. 
1. In XX/XX/XXXX, I called XXXX notifying them that I was moving to a new employer and would not be attending the XXXX classes. 
2. I did not pay for the XXXX courses in the required time ( one week prior to the start of classes ) 3. Never registered with the course ( s ) online portal as required by the instructors4. Never had any correspondence with the instructors or attended any classes5. Never purchases textbooksXXXX XXXX website only addresses tuition reimbursement when you drop a class after the first day of classes with a weekly tuition reversal schedule for the refund. There is no mention of fees related to online classes or any specific process to cancel online classes. When I registered for the classes via the phone there was no discussion on how to cancel. My assumption was that I did everything reasonable to cancel the classes. 

On XX/XX/XXXX, I received a phone call from a collection agency. The collection agency isSecurity Credit Systems - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXWhen I returned the call I was shocked to hear that I now owed the collection agency over {$1800.00}. This was the first correspondence that I received related to these courses. I was never contacted by the school via phone calls, emails, etc. I did move in XX/XX/XXXX but my email and phone number was documented in my application. At no time did anyone from XXXX contact me. On XXXX XXXX and XXXX, I called XXXX XXXX times and was told that they could not speak with me. I emailed them requesting the details for these charges and again was told that they could not provide any information. I was instructed to deal with the collection agency. When I asked for the details and the reason for this charge the collection agency sent me a bill for {$1800.00}. They would not provide any details regarding these charges. The collection agency stated that if I did not pay the balance due by XX/XX/XXXX this charge would be reported to the credit bureaus, negatively affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation