Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (NV)

Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN I have included the letter I sent to Professional Account Management LLC at the address indicated on XX/XX/XXXX. 
I received a letter today ( XX/XX/XXXX ) from a XXXX XXXX XXXX who is Vice President, XXXX for XXXX. Her letter was completely non-responsive to the critical points I made in my letter about due diligence and how the amount owed morphed from {$27.00} to {$230.00}. 
I do not believe that XXXX or XXXX has acted in any way that is consonant with the best practices set forth in the Fair Debt Collection Practices Act. 

If you need additonal information from me, please contact me using the information in the letterhead to my XX/XX/XXXX letter. 

Many thanks and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Email Address : XXXX Cell Phone : XXXX XX/XX/XXXX Professional Account Management , LLC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX To Whom It May Concern : Re : Account Number XXXX I am writing this letter to you regarding a 2nd Collection Notice ( Enclosed ) I received from you for an amount ( {$230.00} ), allegedly owed by me for three XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. I have outlined some information for your review in a Background statement and in an Observations statement, which follow. I have numbered the statements for ease of reference. 

Background 1. I moved from XXXXXX/XX/XXXX to XXXX XXXX in late XX/XX/XXXX on a temporary basis to get away from the smoke caused by the fires in XXXX California in the summer of XXXX. 

2. I retained a forwarding mailing address located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX. I had sold my XXXX XXXX in XX/XX/XXXX located at XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX and had all my mail forwarded to the XXXX XXXX address during my temporary stay in XXXX XXXX. 

3. I received the aforementioned 2nd Collection Notice on XX/XX/XXXX, at my XXXX XXXX mailing address. For your information, I never received a 1st Collection Notice from your organization. 

4. I called your organization three times, as follows : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to resolve this issue. For all three calls, I was kept on hold for more than 40 minutes in each case, without dialogue with a real person. I finally gave up and decided to write an explanatory letter to you regarding this matter after I returned from a business and vacation trip made from XX/XX/XXXX, to XX/XX/XXXX. 

5. The three crossings of the XXXX XXXX XXXX were made on XX/XX/XXXX ( two crossings ) and XX/XX/XXXX ( one crossing ). I did not receive an invoice from XXXX for these crossings. As you may or may not know, an invoiced crossing is charged at either {$8.00} or {$9.00} per crossing if memory serves. 

I hope the above Background statement provides sufficient clarification that prompts mitigation of this issue, augmented by my observations. 

Observations 1. I am at a loss to understand how the 2nd Collection Notice found its way to my XXXX XXXX mailing address and the 1st Collection Notice did not. 

2. I am even more puzzled theXX/XX/XXXX organization XXXX not invoice me as it had done routinely in the past for the previous trips, I made to XX/XX/XXXX in XXXX. By the way, I obtained a XXXX transponder in the latter part of XXXX to facilitate bridge crossing payments. 

3. I am also at a loss to understand how the charges of {$8.00} or {$9.00} for the three crossings have morphed from, say, {$27.00} ( using the {$9.00} crossing fee ), to {$230.00}. If my calculation is correct, this is almost a XXXX percent increase. 

4. I believe such a payment increase is unfair, punitive in the extreme, and without a reasonable foundation, given the background I have presented in this letter. 

5. I wish to resolve this issue on a more equitable basis for each party, even though I believe XX/XX/XXXXand XXXX did not take the necessary steps to track me down, given that my cell phone number is linked to theXX/XX/XXXX DMV data base that I believe XXXX uses for routine invoicing. 

6. Here is my recommendation : I have enclosed a check in the amount of {$63.00}. I calculated this amount by assuming the payment was in arrears for approximately 28 months. I divided XXXX by XXXX and multiplied that result by {$27.00} ; the calculated amount is {$63.00}. I believe that amount is fair and equitable. 

Your expeditious handling of this matter would be greatly appreciated. If my proposed resolution is not acceptable, then I will have to take up the matter with the XXXX XXXX XXXX XXXX ( XXXX ), theXX/XX/XXXX and other regulatory agencies. I hope you understand my position and my concerns. Please provide acceptance of my proposal by Email or letter. In addition, please contact the various credit bureaus that you may have notified and have any derogatory information removed from my account with those agencies. 

I have sent a copy of this letter to XXXX to keep them in the informational loop. 



Many thanks and best regards, XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX ( w/o Enclosure )