Consumer complaint received 11-05-2017 about Debt collection (Auto debt) with The Regional Adjustment Bureau, Incorporated (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Director - Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & CEO XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX Re : CFPB XXXX XXXX, XXXX ac XXXX Dear Sirs : This is in reply to the XXXX XXXX, XXXX entirely disingenuous XXXX CFPB response. On account of XXXX persistent and pervasive fraud and resulting measurable harm XXXX XXXX is requested to immediately email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd that any credit report negative comment has been removed for the below reasons. 

The XXXX XXXX, XXXX XXXX response by deliberate implication denies the recorded XXXX XXXX, XXXX XXXX 6.59 minute phone call. Thus, this denied call was apparently fraudulent, initiated by an individual other than XXXX customer account supervisor XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT required 60 payments of {$460.00}. XXXX email ratified with confirmation # the 60th, last and final payment received XXXX XXXX, XXXX. 

The XXXX XXXX, XXXX XXXX response On XXXX/XXXX/XXXX you called to acknowledge receipt of payment history via email deceptively implied this 37th time ( Principal * Rate * Time ) email payment history request calculated and  totaled in a business-like manner its alleged due {$740.00}. XXXX perseveres in refusing calculated and totaled Principal * Rate * Time. 

A matter of record prior to its XXXX XXXX, XXXX letter XXXX, allegedly another XXXX employee ( prior calls it was XXXX ) supposedly, again maybe factiously called using phone # XXXX on XXXX XXXX, XXXX @ XXXX and XXXX XXXX, XXXX @ XXXX. In fear of my recording of all phone calls XXXX left no message. 

Part of one of my many recorded phone calls is repeatedly transcribed as of recording phone conversations XXXX cant permit thatare you recording the phone call nowno no are you recording this phone call XXXX agents prejudicially insist in recording phone calls for training and now proven other purposes. XXXX refusal to permit the borrower recording calls cunningly gives camouflage for its total deception and self-aggrandizement as communicated in its XXXX XXXX, XXXX response XXXX prides itself on providing the best possible customer service experience. 

Since XXXX XXXX, XXXX there have been 37 email requests to XXXX, many to you XXXX XXXX, for XXXX to substantiate its {$740.00} calculation. The XXXX XXXX, XXXX letter does not calculate {$740.00} using the universally accepted formula Principal * Rate * Time. {$740.00} presents as vindictive imagination intended to harm. 

XXXX XXXX please respectfully email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd, that you have removed any negative credit report status/comment. Thank you. 

Yours truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief