XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AL. XXXX c : ( XXXX ) XXXX | e : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Director ) C. F. P. B. 
FEDERAL TRADE COMMISSION XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA. XXXX Washington, DC. XXXX " VIA ELECTRONIC MAIL '' RE : XXXX XXXX BILLING DEPT.,  DESIGNATING VIRTUOSO SOURCING GROUP FOR COLLECTIONS IN THE AMT OF ... {$1900.00} FOR INSTALLMENT BILLING & ( 3 ) XXXX Dear XXXX XXXX & CFPB Rep : This correspondence will serve as a follow up referencing the above, after being contacted on or about ... XX/XX/XXXX8 ( Fri. ) approximately XXXX XXXX XXXX, re XXXX Account No. : XXXX or XXXX No. : XXXX, after speaking with XXXX ( Manager ) from Virtuoso Sourcing Group ( VSG ), XXXX AZ at : ( XXXX ) XXXX informed me that XXXX had submitted this account for collections on or about ... XX/XX/XXXX, which appears to have been premature and unwarranted in nature. 

XXXX being aware having been informed after I contacted their billing dept., to dispute and discuss bizarre erroneous monthly charges and ongoing claim denials that began to occur, XXXX XXXX XXXX ( Sr. System Analyst ) with XXXX at : ( XXXX ) XXXX on or about ... XX/XX/XXXX waived monthly billings in the amount of {$540.00} after XXXX XXXX XXXX XXXX began to initiate bizarre claims processing patterns of ... declining-accepting-declined, to accepting and ultimately declined the claim for me to pay the deductible ( s ) re XXXX that had been stolen the night of purchase. 

This compelled me to file a consumer complaint with the Public Utilities Commission ( PUC )  investigated by XXXX XXXX XXXX, after XXXX months it was determined that ( PUC ) did not have legal jurisdiction and referred the matter to the CA. Dept. of Insurance ( CDI ) which was subsequently filed and is currently being reviewed by XXXX XXXX XXXX ( CDI XXXX as of ... XX/XX/XXXX and pending a conflict of resolution and findings with this dispute. 

At any rate, XXXX appeared to submit this account into collections prematurely with a total disregard, willingly and knowing that it was pending a review, investigation & resolution status, thereby, being unfair exercising unscrupulous & unprofessional tactics. 

Therefore, XXXX should correct by acknowledging and continue honoring XXXX XXXX XXXX ( SCC ) decision in waiving what was considered erroneous & unwarranted monthly billings being processed since cell phones had been stolen, never used resulting from XXXX sales representative ( XXXX ) failure to clearly communicate phones had been activated, in addition to not knowing XXXX   failure by providing the consumer [ after-the-fact ] insurance policy & procedure strikes me being extremely odd & peculiar when claims filed to replace the phone ( s ) by paying the required and agreed {$200.00} deductible are [ null and void ] resulting from ... 1non usage or 2no air time being established prior phones being lost, stolen or damaged. 

This claim/policy information is key & relevant and should have been revealed from the outset to avoid recurrences with unwitting consumers from being victimized through no fault of their own and furthermore, would remedy what appears to be a quagmire loophole if the consumer doesnt get the policy or knowledge thereof prior the claim incident occurring, therefore, XXXX being aware, not an isolated incident needs to modify or revise by stipulating a remedy to address this disconnect of information leading to unethical & unfair practices equivalent to ... [ cramming ], then submitting for collections for erroneous monthly billings that lacks merit which in effect negatively impacts consumers credit report and rating. 

After XXXX most recent consumer settlement re : Penalties to Settle FTC Charges It Violated Fair Credit Reporting Act & FCPB, you would think this would have been a watershed moment, and yet, failure to [ disclose and/or omissions ] of this insurance policy claim provision are the legal basis & merits that gives legitimacy and substantiates the repetitive-patterns of practices with XXXX   in this complaint. 

If I can be of further assistance feel free to contact me, all ( PUC & CDI ) data ( available upon request ). 

Sincerely, XXXX XXXX XXXX Consumer/Complainant cc : XXXX XXXX - Billing Dept., XXXX XXXX XXXX XXXX, XXXX XXXX, IL. XXXX XXXX XXXX XXXX - CA. Dept. of Insurance, XXXX XXXX XXXX, XXXX XXXX, CA. 
XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TN. XXXX XXXX XXXX XXXX - XXXX XXXX, CA. 

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