Consumer complaint received 2016-11-08
Company: Credit Protection Association, L.P.
State: VI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During my absence from the territory ( from XXXX to XXXX upon retiring from civil service ), an individual i left as housesitter failed to pay the XXXX bill registered in my name-the person moved out and never said anything. Unknown to me, the XXXX Co had attempted to collect the monies owed and subsequently referred my name to the Credit Protection Ass'n, L.P. I was not aware of this situation until I returned to the territory after receiving medical care in the states on Wednesday XXXX XXXX, XXXX. Upon learning about this situation, I contacted the agency XXXX XXXX in an effort to resolve this. I agreed to make an automatic payment of {$740.00} as was required and received a confirmation # by the representative : Confirmation # : XXXX. Subsequently I received another call from the same CPA representative that the payment had not processed. I immediately called my bank and was informed that they had in fact received the request for payment which had been approved but that they had XXXX48 hours with which to process the payment. I shared this information with the CPA representative who spoke to his Supervisor and it was agreed they would wait until the next day. I also asked the Representative if my case had been reported to the Credit Bureau as I had never been informed about this debt. He answered it had not yet been sent but was glad I was trying to correct the situation. Next day XXXX XXXX, I received another call from CPA that the payment had not been processed and that I would have to give them the information again. I explained the Bank informed me the payment had been approved and that the merchant ( CPA ) would have to release the hold in order to receive the payment. This was explained to the CPA representative who then informed they did have problems with their system and had been unable to receive the payment. Nonetheless, they still needed my credit card information to reprocess the payment. At this point i decided to contact the local XXXX XXXX and informed them of my efforts to make restitution on the account. My case was referred to the Supervisor who was going to inquire into the situation with CPA. I received another call from CPA, this time from the representative 's Supervisor who explained they had not received the payment and that I would have to provide the same information to reprocess the amount owed as the CPA representatives do not keep the credit/debit card information shared by individuals on file. I questioned this as I did not want to make duplicate payments for XXXX debt ; she explained that once the information was sent back to the Bank, they would only process XXXX payment. I agreed to provide the information and received a confirmation number for this transaction : # XXXX. I immediately contacted the bank to inform them of this situation. I was informed I would have to wait at least 7 days for the first debit to be canceled since CPA had submitted another request. I asked they make sure XXXX payments are not processed, only XXXX. My concern is that despite being told my situation would not be reported to the Credit Bureau, it was. I received an email from my ID CARE ( Identity Fraud Protection Program ) dated XXXX XXXX, that here had been a change in my credit information which turned out to be a debt report for the above-mentioned situation. I believe the communication from CPA was not true when I was informed my debt had not yet been sent to the Credit Bureau especially when i was trying to fix the problem. I am concerned about my credit rating situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief