Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

Sent to CaCi on XX/XX/XXXX Good afternoon, I am contacting whomever reads/receives this email in regards to a debt that this writer allegedly owes. To be clear, I was more than willing to resolve the debt but after numerous red flags, I am now questing the legitimacy of Caci as a company attempting to collect the debt on behalf of XXXX  XXXX XXXX XXXX. 

In XXXX of XXXX I moved from my previous address in XXXX, Maryland to XXXX, Florida. After my move, I reviewed my credit report, which I do a few times a year, when I noticed that there was a derogatory mark on my credit report. Upon closer inspection I was able to determine that this was for a membership program from XXXX XXXX XXXX XXXX in XXXX, New Jersey. It was communicated from XXXX XXXX  that they were discontinuing the membership program as a business decision. 

After the discontinuation of the program, I did not receive any further correspondence from XXXX XXXX  regarding any further money owed as for the cancelled program, nor did I receive any notification regarding a debt that was owed. I presumed that since they cancelled the program, I no longer had access to the benefits of the membership. I decided that if I were to go to XXXX XXXX, I would have to pay per visit ( s ) or decide to attain a season pass. Since I lived in XXXX, Maryland at the time, the commute to the part was over two hours away along with added tolls over XXXX dollars. I decided not to acquire a season pass. 

Fast forward back to XX/XX/XXXX. When I noticed the derogatory remark on my credit report, I attempted to contact corporate XXXX XXXX  in which I was provided a phone number to CaCia company that I have never heard of. When I contacted CaCi in XXXX, I spoke with a representative that indicated it was an attempt to collect a debt from XXXX XXXX XXXX XXXXXXXX. I indicated that I never received any communication from XXXXXXXX XXXX XXXX XXXX  nor CaCi regarding the debt owed. I indicated that the first notification was from the hit on my credit report. I never received any letter indicating what was owed from CaCi in the attempt to collect a debt. The person I was on the phone with indicated that I could pay the debt either by phone or by going to www.myCaCiportal.net. I indicated that I would go the portal as I do not provide any personal financial information via the telephone person-to-person. I requested that I be sent an official notification of the debt by mail as I never received any previously. I was informed that when I received the letter that the portal may or may not work, but that I could call and provide my credit card over the phone to payoff the debt. I indicated that I would wait until I received the letter then attempt to resolve. After the phone call, I did attempt to go the portal to resolve without luck. The portal was not working. 

After I received the letter dated XX/XX/XXXX ( first official notification of the debt ) I again attempted to resolve the debt by going the portal. This now the second time the portal was not working. On XXXX, XX/XX/XXXX, for the third time I attempted to resolve by going to the portal and again the portal was not working. 

I then phoned CaCi and spoke to a representative indicating my frustration regarding this matter. I emphasized that no notification was provided to me regarding the debt from anyone. The representative indicated that two separate emails were sent to my email account regarding thisno letter mailed, but two separate emails. I did not receive those emails. I was ready to resolve the debt via your portal but she indicated there were some technical problems today ( XX/XX/XXXX ). I indicated that I attempted to other times last month ( XX/XX/XXXX ) which provided another red-flag. Your collection portal did not work and I question if it is a functional payment portal. I explained all of my concerns in which she forwarded me to another representative without any notification to me. When I spoke to the second representative, at the beginning of the conversation I was interrupted numerous times as I was attempting to explain my increasing frustration and now questioning the legitimacy of CaCi as a debt collector. Here are the red-flags demonstrated today as I continue to question the legitimacy of CaCi as a debt collector. 

XXXX ) There was never any documented due diligence from XXXX XXXX XXXX XXXX XXXX XXXX, or CaCi to communicate any attempt to collect the debt. 

XXXX ) I discovered the punitive nature of posting on my credit report without any notice of the debt. After I contacted XXXX XXXX, they indicated that I needed to contact XXXX  XXXX XXXX and provided a telephone number to call. They indicated that it would be likely that I needed to leave a message for them to contact me back. Upon returning my phone call, they provided CaCis telephone number. 

3 ) Initially when speaking with CaCi, I explained my frustration ( especially in impacting my credit ) without any due diligence from CaCi to collect the debt via notification by letter/mail. The representative provided the payment portal site which it was communicated that it may not be operational and that I could resolve over the phone. I indicated that I would not be doing that as I do not provide personal financial data/information ( credit card ) over the phone. I requested an official letter from CaCi regarding specifics regarding said debt. I did attempt to resolve via the portal but it was not functioning. 

XXXX ) I received a letter dated XX/XX/XXXX with the information requested. This being the first notification of the debt owed. I again attempted to resolve by going to the portal, again not functioning. 

XXXX ) I attempted now a third time to resolve the debt via the portal on XX/XX/XXXX which again not functioning. 

XXXX ) I called CaCi on XX/XX/XXXX and communicated my concerns, frustration, and now the legitimacy of CaCi as a debt collector. I was told that it was truly a debt collector and when I questioned notification of the debt, I was informed that two separate emails were sent to me indicating as such. Both emails were never received and when I questioned if that is CaCis practice of due diligence of emailing an attempt to collect a debt then reporting to credit bureaus without any communication with consumers. At this point, I was switched over to someone else in which I had to again provide background of the on-going concerns/issues with CaCi. 

While I still question the legitimacy of the debt owed to XXXX XXXX  as they made the business decision of discontinuing the membership program, what is more concerning is the lack of official notice of communicating the debt from CaCi. While e-mails provide convenience, they are not meant for business transactions or notificationespecially in regards to debt collection. As I never received the emails in question, a better practice in regards to collecting a debt, send an email, follow-up with a letter sent to the residence, then if needed a certified letter to the residence. 

At this point I am requesting the following. Cancel the debt and remove the derogatory mark on my credit report. 


Thank you, Your swift action is expected with a report to applicable agencies if not handled in a manner that is acceptable.