Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC (DE)

We were charged a fee of {$1100.00} as a cancellation fee and should not have been charged. We had no valid contract with the XXXX XXXX company at the time of cancelation and they were given notice of cancelation of services. This company is charging people based under a hidden renewal clause ( Evergreen Clause ) and they do not make the consumer fully aware of this nor do they notify the consumer that they will be auto-renewing their contract once it becomes expired and give them notice as noted by law either via email or written notice which they did not do. I disputed this charge as soon as I got it and had numerous emails back and forth with not only the XXXX XXXX company but also their collection agent A. XXXX from XXXX XXXX. And made both aware of the situation. As of XX/XX/2018, @ XXXX XXXX was given notice via email of release and full credit back of {$1100.00} and zeroing out the balance by the XXXX XXXX agent ( XXXX XXXX ) per our conversation on the phone on XX/XX/2018 and also in an email which I requested. Forward to this date XX/XX/2018and I happen to run a check on our credit reports a few days prior and this very figure was on a bad debt and listed as in collections on our report, hurting our credit. I've notified both agents at their agencies via emails ( several times ) and a phone call to XXXX XXXX ( no answer left v/m ) and the collection agency will be notified as well via phone call that this is to be removed immediately as it should never be listed on there, to begin with. I've had no response from my emails with further leads to my feeling that they did this deliberately. This has been on our credit report at least from the date of XX/XX/2018 or before and hurting us credit wise. This should have never been listed, to begin with, as it was in dispute from our notification from the collection agency and then later resolved and credited by XXXX XXXX. I have all emails detailing this and phone conversation as well. I called numerous times both XXXX XXXX and notified the collection agent to dispute this as soon as I was notified of the issue via mail to dispute it prior to being resolved. I feel that this company and the credit agency have done this deliberately and I also noted to them that the XXXX XXXX company has many complaints of such behavior listed online and reeks of fraud toward the consumer in their practices. XXXX XXXX admitted to me during a phone conversation that they have had many complaints about their contract practices himself. I also had other conversations with other personnel that the contract was incorrect when I've spoken to them in the past, prior to speaking with XXXX XXXX, during the time trying to get this resolved. I would appreciate some help with this issue and they need to be aware that they can not just treat the consumer this way. Please see attached email from XXXX XXXX Agent representing XXXX XXXX resolving us of any debt owed and credited back and zeroing out any debt balance etc. 

Given their past history of lack of follow through I feel they need to be overseen by an agency to ensure that we have no further issue.