Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: DE

Complaint narrative:
On XX/XX/XXXX I received a letter from PKMP XXXX XXXX indicating that I owe a balance of XXXX to XXXX XXXX XXXX 1. My response was a phone call to PKMP on XX/XX/XXXX in which I spoke to XXXX XXXX. I indicated that I would make a payment arrangement of 100/mo to begin XX/XX/XXXX after receipt of written confirmation. 

On XX/XX/XXXX I again called and requested to make a settlement. I spoke to XXXX who told me that only a Supervisor could approve a settlement and to call back on XX/XX/XXXX. However, after reading numerous negative reviews online and also on the XXXX  website, I chose to send a certified letter requesting verification of debt and proof that they actually are assigned or owned this debt currently. On XX/XX/XXXX I received statements from XXXX and XXXX none of which indicate a balance of XXXX. This is insufficient proof that PMKP actually owns or is assigned to this account currently. 

On XX/XX/XXXX I spoke with XXXX XXXX  who indicated that the account was sold to XXXX XXXX on XX/XX/XXXX. However, this was never updated on my credit report as being charged off and is currently showing as XXXX XXXX  open account. As a result of this, my credit score continues to decrease as it appears as though this account is open and I am not making payments to XXXX XXXX. 

I have disputed this with XXXX  on 2 previous occasions. The most recent dispute result on XX/XX/XXXX indicated that the account is accurate as being owned by XXXX XXXX  and to contact XXXX XXXX. Upon contacting XXXX XXXX  on XX/XX/XXXX, they stated that they do not have this account and can not update my credit report even though it should have been updated by them when they sold it to XXXX XXXX on XX/XX/XXXX. Neither XXXX XXXX, XXXX XXXX or PMKP has updated my credit report per FCRA rules. 

On XX/XX/XXXX I spoke with XXXX XXXX and was told that the account was assigned to PMKP on XX/XX/XXXX. Again, this is NOT indicated on my credit report so I have know idea whether they are actually in receipt of this account. 

On XX/XX/XXXX I spoke with XXXX from XXXX XXXX  and explained the above. She stated that they no longer have the account and that this was indicated to XXXX  when contacted regarding the most recent dispute. I then asked for an Account Specialist. I was transferred to XXXX. After again explaining the entire scenario and her consulting a Supervisor, she stated a letter indicating that they no longer have the account will be sent to me in 5-7 working days. 
To summarize all this I need to be completely sure that PMKP  has this account currently before I make payments. The letters I received from PMKP  state that they are collecting for XXXX XXXX XXXX 1 llc not XXXX XXXX, again adding to this confusion and doubt. 

I need to be completely sure that PMKP are actually in receipt of this collection account currently prior to submitting any payments. Under the circumstances, I find this to be very reasonable.

Company response to consumer: Closed with explanation