Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Improved Data Services LLC
State: NY

Complaint narrative:
Back in XX/XX/XXXX I received a call from a person regarding a debt that I owed ( XXXX ) on a charged off credit card. I never received a Company letter Head or any official correspondence in the mail or through E-mail from Improved Data Services, LLC The person on the phone mentioned the name of the bank and card that I owed. I gave them my checking account number with a XXXX withdrawal to be taken monthly. I assumed it would be debited out of my account like most other deductions. but noticed that it was in the form of a cancelled check produced by this company. which I was able to view each month. The person on the phone said that they would e-mail me this agreement. I never received it. After about a year of paying, It was about XX/XX/XXXX or XX/XX/XXXX that I tried to contact this company to request my balance on an official letter head. I went to the improved data services, LLC web site and all that popped up was a web site with a section to email with a question and they would get back to me. I was unable to contact a person to discuss. about 2 or 3 days later I received a call from someone of that company, do not remember name. I asked him that I still have not received official correspondence with my balance and to send me one. He said he would email me this info. That never happened. the 100 payment continued to come out each month. and I think I missed 2 or 3 payments because of insufficient funds which unannounced to me and with out written notification would be found later to be a XXXX fee per missed payment .and with out me knowing would be attached to my remaining debt, back in XX/XX/XXXX I received an official correspondence from a a debt collector called XXXX XXXX XXXX XXXX , XXXX . Showing paid to date of XXXX out of the XXXX balance and the current creditor XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX immediately, I spoke to a man named XXXX at XXXX first thing he asked was ho wmuch can I pay. I then proceeded to ask him how he got this info and the amount that I owe, he said that they are handling debt collection for XXXX XXXX. I said I was paying another company currently.I asked him if they received this info from improved data services and he did not no who they were. after I ended the conversation I immediately went to the XXXX XXXX XXXX   website and found a legit company with numerous options to pay. after, to be on the safe side I requested a stop on any further deductions to Improved data services from my checking account. After trying to contact someone in the company I left an email on there site, or called. I received a call from a XXXX XXXX tel # XXXX on XX/XX/XXXX from Improved data services. I returned his call on XX/XX/XXXX, Sunday and left message I said that I stopped payment because I wanted to make sure who was legit and make sure that I wasn't getting double billed. after several conversations with Mister XXXX, he was trying to persuade me from going with the other creditor who he said may not be legitimate. he then stated that he doesn't know how they got this info. I asked him if he could email me showing my payoff, he said He would. Right before this call I called the original bank, XXXX, XXXX XXXX  master card, who verified XXXX XXXX to be the actual debt Holder with XXXX XXXX XXXX XXXX, XXXX  to be the collector and Improved data services as a 4rth party collector. Going back to the earlier statement of XXXX non paid fees, I had a final conversation with Mr XXXX of improved data services today XX/XX/XXXX. I explained to him not to put in for payment moving forward and that's because of a stop payment I placed on my account which took affect yesterday. He became all belligerent after I told him that I would pay off my remaining amount of XXXX amount with XXXX XXXX XXXX XXXX. He said so we are done here! twice and said that he would work on the missed payment fees, which I explained to him that with out any explanation or warning verbally or from official correspondence which never made it to me regarding any fees that I can not be held accountable for something that I was not explained up front or over the life span of my payments. As for the email he said he sent at XXXX XXXX  XX/XX/XXXX to my email address. I checked my personal email account but did not see any thing showing. He said check to see your spam, during our final conversation. after that I knew that this wasn't right. it should of been in a letter. He hung up on me before I finished that I would alert the Fed. Trade commission. I will be contacting XXXX XXXX XXXX XXXX to discuss my remaining debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation