Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd (RI)

I received a collection notice in the mail from XXXX XXXX XXXX ( XXXX, XXXX ) regarding a past due debt for motor vehicle excise tax to the City of XXXX, RI from XXXX XXXX XXXX. In XXXX I was leasing a vehicle ( XXXX ) so I didnt believe I owed the debt. The total debt was {$910.00} which included vehicle tax of {$490.00} and interest of XXXX. On XX/XX/XXXX I contacted XXXX XXXX ( XXXX ) and spoke to XXXX. XXXX let me know that this debt collection was for tax year XXXX but for a XXXX XXXX which was a car I had owned but I traded it in in XXXX for the XXXX XXXX. So again, I didnt feel I owed the debt since I didnt own the XXXX in XXXX. Further I expressed concern to XXXX that this letter from his law office for a debt collection was the first notification I had received about this past due vehicle excise tax debt and the interest that had been accumulating for XXXX years! XXXX advised that due to XXXX  XXXX Laws there was nothing he could do other than accept the payment from me. I told XXXX that I wanted to dispute the debt collection because I didnt feel I owed it and I felt the 7 years of accumulated interest was unfair. I also submitted a dispute on the XXXX XXXX website. 
I then contacted the XXXX of XXXX XXXX XXXX ( XXXX ) and spoke to XXXX. I told her I spoke to XXXX and expressed my concerns to her as I did XXXX. XXXX corrected what XXXX had told me and confirmed the tax year for the debt was actually XXXX. I went online to get my bank statements to evidence that I had paid the vehicle tax on the XXXX, since I did own it in XXXX, but because that was so long ago I couldnt retrieve bank statements so old. I asked XXXX why I was just receiving a notice about this debt from XXXXXXXX XXXX  years later she confirmed that XXXX notices had been sent to me, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, which I never received. However, I did pay motor vehicle excise tax to the City of XXXX for XXXX XXXX XXXX ( bought out the XXXX lease ) AND I registered XXXX cars between XXXX and XXXX ( XXXX XXXX XXXX XXXX that I have now ) and was never told I had past due vehicle taxes owed. The city never applied my vehicle tax payments for the tax year XXXX ( XXXX ) to the past due amount from XXXX ( XXXX ) or even marked my account/bill as unpaid taxes due to alert me. I received no communication about past due vehicles taxes for XXXX years and in my opinion the XXXX of XXXX XXXX XXXX XXXX practice is unfair because interest accumulates each month the payment remains past due now I am required to pay XXXX years worth of interest on top of the past due amount. 

I am not able to obtain the bank statement evidence to prove I paid the {$490.00} of vehicle tax for the XXXX XXXX for tax year XXXX since that is XXXX years ago and I feel the accumulation of 7 years of interest ( {$410.00} ) on this debt is completely unfair and the practice is deceptive ( allowing me to pay current tax in XXXX but not applying it to past due amount OR alerting me of that past due amount ), so I would like to make a UDAAP complaint for the total debt amount ( {$910.00} ) and I would like any negative marks on my credit report due to this debt to be removed please.