Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc. (AE)

This is a complaint against XXXX XXXX and Diversified Consultants, INC ( DCI ). 
DCI attempts to collect an invalid debt it purchased from XXXX in XX/XX/XXXX that relates to the XX/XX/XXXX renewal of a cell phone contract for XXXX phones between me and XXXX. It has violated, among other laws, the FDCPA and CFPA. In XX/XX/XXXX I suspended my service with XXXX for XXXX years after the XXXX directed me to move to XXXX, XXXX. XXXX suspended my account and then continued the suspension in XX/XX/XXXX when I informed them that my XXXX  in XXXX had been extended for another XXXX  years. Inexplicably, without providing notice or an opportunity to respond, XXXX subsequently reinstated my account, billed me more than {$900.00}, and then referred the account to Diversified Consultants , Inc. - a collection agency. This action is at odds with XXXX representations at the time of suspension that I could suspend my account without penalty if the XXXX assigned me to a XXXX XXXX outside the United States. On or about XXXX XX/XX/XXXX, I received an email from XXXX informing me that my 3 year account suspension was coming to an end and that I needed to either cancel or reinstate my service no later XXXX XX/XX/XXXX. On XXXX XXXX, my wife ( who is authorized to manage my account ) notified XXXX ( via its customer service online chat ) that my XXXX in XXXX had been extended by XXXX years requested to keep the suspension of my account in place for the duration of my tour ( until spring XX/XX/XXXX ). XXXX explained because XXXX years had elapsed, it would have to reactivate my account and then immediately place it into suspended status again. During this chat XXXX assured my wife that my account would be suspended again, that I could keep my existing number should I wish to reinstate service later, and that I would not incur any charges. The same day ( XXXX XX/XX/XXXX ) XXXX requested from my wife XXXX XXXX documentation. My wife emailed XXXX a formal request for continued suspension of the account supported by a memorandum from my command extending my original orders sending me to XXXX. My wife followed this email up with a phone call to XXXX in which the customer service representative confirmed receipt of documentation required to continue holding my account in a suspended status. On XXXX XX/XX/XXXX XXXXinexplicably sent me a notice stating that my account suspension had expired and that my service was being disconnected effective XXXX XX/XX/XXXX. A subsequent review of my XXXX  credit report ( with XXXX ) revealed that XXXX had already reported my account delinquent in XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX sent me a confusing statement showing a {$910.00} balance but stated that no money was due. On or about XXXX XXXX, my wife again contacted XXXX which confirmed that my account was still suspended, and no money was due. I heard nothing further until DCI called me on XXXX XX/XX/XXXX at XXXX XXXX. I did not answer this call due to the time of night and unrecognized phone number. On XXXX XXXX at XXXX XXXX DCI called me again. I returned this call and learned that XXXX had placed my account into collection. I immediately checked my credit report and learned that XXXX had filed derogatory information with XXXX, XXXX, and XXXX XXXX which has lowered my credit score from a near perfect XXXX slightly above XXXX which is enough to decrease the chances of banks lending me money at reasonable rates. This will cause me material harm as I plan to finance a car purchase this summer. 

My attempts to resolve disputes directly with both XXXX and DCI have been unsuccessful due to being place on hold for unreasonable amounts of time and being shuffled back and forth between departments who claim that it is another department 's responsibility to resolve my dispute.