Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (GA)

I received a phone call on XX/XX/XXXX from LTD Financial which was the first contact I had with this company, I had never spoke with them or received any other type of contact prior to this. They stated I owed XXXX XXXX XXXX a total of {$2500.00}. I asked them what this amount was for and she broke down the amount she said I owed XX/XX/XXXX rent of {$850.00}, XX/XX/XXXX utilities of {$99.00}, XX/XX/XXXX renters Insurance of {$10.00} XX/XX/XXXX late fees of {$200.00}, XX/XX/XXXX rent of {$850.00}, XX/XX/XXXX Utilities of {$99.00} XX/XX/XXXX renters insurance or {$10.00}, XX/XX/XXXX late fee of {$200.00} and an eviction fee of {$250.00}. I let her know I was disputing this debt due to the amount being wrong as I was never evicted I moved out on XX/XX/XXXX and was only willing to pay for what I owe because XXXX XXXX XXXX moved another person in my apartment and no eviction was ever done and no final bill was ever sent. Once they moved that new person in I was no longer responsible for the debt for the rest of my contract because they broke it by moving someone in before the eviction process was done. I told her I was willing to pay a portion of it but she said she could not go that low I let her know to get back with me when she can and also let her know before I pay any amount I will need for her to confirm with a final ledger from XXXX XXXX XXXX and proof they are allowed to collect as I was not going to pay anyone money over the phone without first confirming who it is and the amount. I asked her if she could email me the ledger and proof she said she could not but she would be able to mail it to me.but it would take 30 days for them to receive the ledger and another 7-10 to mail it out to me. I let her know I would wait to receive the ledger and then would call to discuss it with her. She then let me know she did not have a address for me and would need one which I thought was strange because XXXX XXXX XXXX had my mailing address as I never used there mail or address on anything. I gave her the updated address and she said she will request it and also said during this time they can turn me into a creditor as well as keep calling me until settlement was made I let her know not to call anymore until she can prove the debt. On XX/XX/XXXX I received another phone call from LTD Financial asking to settle the debt I told her I was still waiting on the ledger before I was going to talk with them. She stated I refused to give my address to them and refused to settle my debt. I let her know I already requested the ledger and proof of debt but I would be more then happy to provide my address once more. She said she would request the ledger because it has not been requested. I told her I did not want to receive anymore phone calls until the ledger was received she let me know during this time it would negativity impact my credit and they would keep calling. On or about that same day I received a letter from LTD Financial which was dated forXX/XX/XXXX and postmarked for XX/XX/XXXX asking me to notify them within 30 days if I wish to validate this debt. I sent a letter via certified mail on XX/XX/XXXX to LTD Financial letting them know I was disputing the debt and also wanted them to validate it. It was delivered on XX/XX/XXXX at XXXX XXXX   to the front desk. After sending this letter I received a phone call from a man working with LTD ho was very rude and demanding payment be made I let him know I already requested the ledger and sent a letter trying to validate it and he stated I was refusing to settle and this would negatively impact my credit I told him to not call me again until I receive proof. Since then I have received about 2 - 3 phone call from LTD but did not answer as I had not received anything from them. On XX/XX/XXXX I had a notification from XXXX XXXX letting me know my score dropped by 13 points because LTD Financial put it on my credit and I still had not received the proof I asked for. I then made a call to LTD Financial and left a message asking for a call back cause I was very upset. On XX/XX/XXXX they called back and asked how I wanted to settle my account. I told her I was still waiting on the ledger I sent a letter and they received it asking to validate the debt and still have not receive anything. She said they never received my letter until XX/XX/XXXX even though I have certified mail showing they received it on XX/XX/XXXX. I was upset because it has been 2 - 3 months since requesting proof. She stated this was a courtesy call to let me know my case is being handed over to management since she sees where I sent a letter requesting it. I told her its very concerning how they received my letter over a month ago and now are just doing something about it because I called. I am very upset at how this has been handled and now my credit has been impacted when I let them know I would have no problem paying as long as the amount is correct and we can settle on a number but I cant do that until I receive proof. I will be sending another letter to them with a copy of the first and letting them know I still have not received anything from them.