Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONRAD CREDIT CORPORATION
State: NJ

Complaint narrative:
Me and my wife were solicited to attend a 1 hour presentation for a travel service company named XXXX XXXX which we later found out was owned by the XXXX XXXX XXXX XXXX, which if we knew going in we would not be in this situation. Additoinally we were promised free vacations if we sat through this 1 hour presentation. At the presentation we were subject to unfair sales tactics and bought into their service. About two weeks after buying into the service we recieved our login to see what we can save using XXXX XXXX  survice on travel and hotels. We quickly found out that it was actually a few dollars more than their competitor XXXX a free to use site for hotels in the cities local to us. 
Next, we first contacted XXXX XXXX to cancel our account after their 5-day cancellation period because we did not have our login information until 7+ days after and were not even able to try their service within the 5-day period, which is simply shady and bad business. Nor did anyone explain the cancelation period to us during the presentation. Additionally, it is completely not right and not fare from a customer 's perspective The phone call with XXXX just went in circles while the person kept rudely reiterating the same thing over and over that I am past the 5-day cancellation. The person on the phone seems like he was from another country which usually isn't good. Then I was able to receive the number to contact, Conrad, the company that services the loan we took out for the membership to XXXX XXXX. 
When I first called Conrad a little 6 months ago I first spoke with XXXX and she canceled any further payment we are to make and removed our payment information from the account. She also said that she would see what she could do on her end, and told us to hold off on our side first and not take any actions to try to dispute the initial deposit. After a couple of calls back and forth, she gave me XXXX 's contact information and extension and told me to speak with her regarding this. 
When I last spoke with XXXX we left it off at where I was to email XXXX at XXXX so we can have something in writing, and XXXX was going to try to see if she can cancel and help us get our deposit back for our XXXX account from her end. She sent us an email in writing that we are to owe no further payments on the loan. 
Fast forward to a month ago, Conrad sends us a bill with late fees on the loan. This was more than 6 moths after signing up for XXXX XXXX. We immediately call Conrad and speak to someone and they more or less depanded that we pay and that we still owe them payment despite having an email form Conrad saying that we do not. We quickly asked for a manager and spoke to XXXX. She said that techically since the contract with XXXX XXXX was never cancelled that we still owe Conrad money and that if we do not pay it would hit out credit score negatively. After trying to explain to her for an hour that we have an email and several phone calls with them saying that we do not owe any further money she threatened to instead report this as a dispute on our credit which will still negatively effect it. She also said XXXX XXXX will reach out to us regarding this and they never did. 
And now today we attempted to redeam one of the free vacations but had to send a money order for {$180.00} to a XXXX passenger  trust account to be able to reserve the days of the vacation to redeam it. And we never heard anything from anyone and we try to check on it online and the account number for the vacation is coming up invalid.

Company response to consumer: Closed with explanation