Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT QUIT MARKING THIS CLOSED AS A DUPLICATE THIS IS ABOUT MY XXXX XXXX XXXX THE OTHER COMPLAINT IS ON MY PERSONAL NOT THE SAME THING VERY DIFFERENT DOCUMENTS ARE ATTACHED.  


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #XXXX  I have tried very hard for over a year to have you correct not just my business card XXXX card number #XXXX  but also two personal. You have sent me to collections without replying to my latest XXXX XXXX XXXX letter. There are some very big mistakes you have failed to correct. The first is canceling my XXXX card while in excellent standing. You canceled it and then left an XXXX number for future creditors to call if they wanted to know why you canceled my card while being paid as agreed. I phoned and what I was told was a lie. I have never bounced a check to you I have paid as agreed. And now you have sent me to collection. Collection sent me back to you when I disputed the charges. I have phoned to follow up with my XXXX  letter and I cant seem to be able to speak to anyone so I will take care of this here. I am disputing ALL charges on my XXXX XXXX account. #XXXX XXXX XXXX made a huge in house mistake. They have failed to correct their mistakes properly therefore leaving my credit in shambles. They have failed to post payments to my account, they have failed to post credits to my account, they have transposed numbers like on my XXXX XXXX statement. My payment of XXXX on page XXXX turns into XXXX on page XXXX.. They have failed to issue credit when that overpayment was made by me. On the same statement XXXX XXXX total payments madXXXX XXXX XXXX XXXX totals XXXX in payments and the balance due was XXXX leaving a credit balance of XXXX. On that same statement you have put a credit on as a new purchase XXXX XXXX the box got destroyed in transit XXXX  issued a credit to the original source of payment XXXX card #XXXX. You have failed to issue credit for multiple store returns I have made and when I brought it it to your attention you wrote a letter saying I need to look at the statements better as if you not doing you job is my fault? The one who should have noticed sooner is you. And bringing your mistakes to your attention doesn't do a thing. Also please keep in mind that from XXXX XXXX XXXX through XXXX XXXX XXXX I was locked out of my online accounts. I was on a restricted view which meant I could not enter into my accounts to see anything. I was only able to see the home page of the app.I was also a paperless customer so anything you were doing or leaving inside the app I was not able to see. When I asked why my account was closed while in excellent standing I was told I opened too many disputes, then I was told I bounced too many checks. I opened ONE dispute at the end of XXXX with XXXX XXXX. It was with XXXX XXXX. I was issued a temporary credit and by XXXX XXXX XXXX XXXX XXXX had paid and the temporary credit was taken back by XXXX XXXX. The perfect dispute handled the way it should be. handled the way any dispute would be. This charge shows up again as a new charge in the XXXX  Statement. The mistakes made on this account are endless. At the beginning of XXXX XXXX I made the big mistake of listening to the XXXX XXXX at XXXX My computer was hacked and my bank account was compromised they turned my money into XXXX currency. While at the XXXX station on XXXX XXXX XXXX he suggested that I phone my creditors to give them a head up. I phoned you on or around XXXX from the XXXX XXXX. I said to the Customer Service agent what transpired I said I was giving you a courtesy call per XXXX and that my XXXX XXXX accounts had not been used or compromised. That call turned into you reaching out to XXXX and starting a series of disputes. Not authorized by me. This was what someone there did.I found out about the disputes being opened not through XXXX XXXX I would find out about them through XXXX and my vendors who I owed money to. They were emailing me and saying that they were not going to be paid. They said that XXXX XXXX had begun chargebacks and you even ruled in my favor?? ( XXXX XXXX  you will deny this but I have a letter)I could not stop this mess as the ball had begun to roll. So while you were not goin to be paying those I owed money to I went and paid my vendors through other means. XXXX personal account, cash.I lost vendors that were new to me due to this mess. I made sure my vendors got their money. Now I am no stranger to XXXX  and if I had a dispute I would have opened it myself through XXXX not XXXX XXXX.Why XXXX XXXXe opened disputes with XXXX makes no sense to me or to XXXX I tried to stop XXXXl but they said since it was my financial institution that opened them they had to be the ones to close them. XXXX XXXX no matter how many calls made to them (XXXX) they didnt stop. XXXX XXXX will send a letter and lie saying they investigated these charges and found that I owed. XXXX really?? Well then why the chargback which they say they did not do. They didnt need an investigation to figure out that I owed they needed to stop and listen to me. I knew I owed which is why I paid!!! XXXX XXXX was then sent my paid receipts , vendors told them they got paid. And to date they have failed to remove all the charges from my account..XXXX XXXX will also say they did not do any chargebacks. Ask Caring Transitions if that was true. Because chargebacks did happen and XXXX XXXX ruled in my favor!!! ( even though their investigation found I owed) you see the mistakes made are endless. In XXXX XXXX after closing my accounts 2 personal and the XXXX business account. Someone realized an in-house mistake had been made. But, not before you had reported my accounts to the three CRA's dropping my XXXX from XXXX to XXXX  overnight.My credit reports show I paid as agreed. And you still canceled my accounts. You said they were going to reopen my accounts you said I would be sent new credit cards. And you said you would clean up the mess you made at the CRA. To date you have never sent me new cards nor have you cleaned up the inaccurate false reporting you did to all three CRA. Now you have sent me off to collection and my credit is ruined for the next 10 years.This is wrong! I owe XXXX on my XXXX Card I owe XXXX on my two personal cards. But today we are discussing the XXXX  CARD ONLY. I have you( XXXX XXXX  ) in multiple letters, the last being XXXX XXXX to send me the proof that I owe. Not just on my XXXX card but all XXXX cards. Because I have sent you proof that I don't. To this date I am locked out from seeing anything having to do with my accounts online. When XXXX XXXX canceled all three cards XXXX XXXX XXXX they also blocked me from seeing my account online. I am a paperless customer and rely on the app. They refused to let me in. I was on restricted view which meant I had no access to statements. I was unable to view what they were doing with my accounts. I couldn't see the daily activity. XXXX XXXX would not allow me online access to my accounts until XXXX. By XXXX when I was allowed in for three days before they cut off my access once again I saw the mess they had caused and of course bringing this to their attention caused them to block me once again. I could see the homepage of the app and that is as far as I could go ( see photo) I have lost a lot for you in-house mistake. I lost a loan to help with my daughters XXXX, I also had a credit card cancel me, and I had credit limits lowered to XXXX a joke a slap in my face. And all because of XXXX XXXX. I to date can't obtain credit. I have no business card and nobody will give me one. Why?? XXXX XXXX. The problem snowballed for me into an unimaginable mess. My business has suffered because I can't get credit. As a small business you surely need something. I always paid as agreed on all three cards. And I have been left in the worst possible scenario. I have placed over XXXX phone calls to XXXX XXXX I have written a good XXXX emails to XXXX XXXX  and I know he is opening them. I have an email tracker. He has opened some of my emails XXXX to XXXX times. Same with XXXX XXXX XXXX of Fraud I have emailed her with no reply I have every customer service person's name and ID. I have faxed and most importantly I have written letters which were sent to confirm delivery. My letters with attachments I know made it to XXXX XXXX The time limits set by the FTC have not been met by you. XXXX XXXX  a few short months ago after Radius the collections agency sent me every one of my XXXX statements. Something that XXXX XXXX refused to do. I went over my XXXX Statements and nothing had been done. No credits for overpayments, no credits for my returns and the transposed number still there. And now you have added on to the statements I have not been able to see since you closed my accounts two new card numbers and XXXX who has a card #XXXX Two new card numbers that I have never owned activated or used. # XXXX  and card #XXXX There are a series of adjusted transactions some are under new transactions but what are they for?? Adjusted, New they tell me nothing what is the transaction for. There are transactions under a card number I don't have, never used, and its on the same statement with my true and correct card number # XXXX (see statement below) My XXXX letter asking for proof, asking what these adjusted transactions are and still to date saying I am disputing these charges I do not owe. And I am still to date being charged late fees and interest on what??? I have asked for proof of debt. XXXX XXXX ignores me. XXXX XXXX has not followed the time limits given to them by the FTC; they can't be bothered writing me back nor telling me why I owe when I know I don't. They have had more than 2 billing cycles to repair this and get back to me and they don't. My Spark card was closed XXXX XXXX XXXX It as closed while in excellent standing ,paid as agreed..Since that closure I have called and written to XXXX XXXX Executive team leaving numerous messages. I can't get a person to call me back.I have proof of those The customer service reps they have a different story daily so they are of no help XXXX XXXX XXXX seems to be the last statement where there are transactions put back onto my card. It appears that this was the final credit card statement with a lot of activity. So pull up the statements. I have only had one XXXX card and my card is #XXXX  then why are there transactions on a card that I never had?? And why are they one the same statement? I also would like you to notice you have XXXX XXXX back on this statement as a charge. This dispute was handled and the company paid XXXX XXXX this charge keeps going off and on and I am not paying it. Statement this is the one I went through at the start of this complaint. XXXX XXXX XXXX XXXX XXXX Page XXXX  shows my correct payment of XXXX Page XXXX the number changes to XXXX Previous Balance XXXX Payments XXXX XXXX XXXX XXXX TOTAL PAYMENTS MADE XXXX XXXX interest on what ??? My account was overpaid the balance due was XXXX I paid XXXX I should have a credit of XXXX for the overpayment XXXX XXXX XXXX  Return shows up as a new charge I now should have two credits moving forward XXXX overpayment XXXX XXXX crushed box return Please notice the numbers transposed under payment from page XXXX to page XXXX I should have l credits going into XXXX XXXX XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXX day billing cycle Previous Balance XXXX Payments XXXX  Other credits I am assuming they have realized they cant charge interest on nothing XXXX Transactions XXXX New Balance XXXX Where is my XXXX credit for my return and overpayment Going into XXXX should have a credit XXXX credit Plus I paid XXXX So moving forward nothing is correct the amount paid are the only thing right. There is no credits for overpayments there are no credits for returns, the numbers are still transposed. Still no credit given on my overpayment and on the credit from XXXX in XXXX Statement XXXX XXXX XXXX  Previous Balance XXXX  Payments XXXX Other credits XXXX Transactions XXXX  New Balance XXXX  Statement XXXX XXXX XXXX card #XXXX Payments Credits and Adjustments. XXXX XXXX Purchase Adjustment. XXXX XXXX XXXX  Purchase adjustment XXXX XXXX XXXX Purchase AdjustmentXXXX XXXX XXXX XXXX Purchase Adjustment. XXXX XXXX XXXX XXXX Purchase Adjustment XXXX Transactions #XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again XXXX XXXX gave temp credit and XXXX XXXX  refunded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX ) XXXX XXXX XXXX XXXX  Looking at my orders this amount this date no XXXX purchase XXXX XXXX XXXX XXXX  Ruled in my favor claimed they didnt I paid XXXX paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total owed XXXX XXXX total owed XXXX Next Issue XXXX XXXX has failed to issue credits for my returns to XXXX  and XXXX even after they were provided with proof that the store issued back the refund to the original source of payment #XXXX Refunds issued by store on card#XXXX but not put onto my XXXX Card as credit. XXXX XXXX amazon refund for XXXX  posts as a new charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX return of dress XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only dispute I opened and it was resolved by XXXX XXXX  they sent the refunded to XXXX XXXX card XXXX and XXXX XXXX took back the temp credit they issued me. And It now shows up again as a new charge in XXXX XXXX  Statement it shows up again as a new charge on XXXX XXXX XXXX XXXX return XXXX XXXX XXXX XXXX XXXX return XXXX Payments made to Vendors they have back on XXXX  Statement XXXX XXXX win XXXX XXXX XXXX see her email Chargeback ruled in my favor XXXX XXXX XXXX XXXXt order XXXX  XXXX  Regarding this Statement XXXX XXXX XXXX  total owed XXXX XXXX worth of charges added back on card number #XXXX Late fee XXXX I do need to know what each Purchase Adjustment The words Purchase adjustment does me no good I need to know the person, place or thing. As requested in XXXX XXXX Statement XXXX XXXX XXXX XXXX  card #XXXX not my card Purchase adjustment XXXX post date XXXX XXXX Transactions XXXX on a card I have never activated or used and my accounts were still closed? Past Due fee XXXX  Interest XXXX Total fees charged XXXX Statement another new XXXX card number shows up #XXXX XXXX XXXX XXXX Transactions Past Due Fee XXXX Interest XXXX Total fees charged XXXX Need to know how the total fees add up to XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Past Due fee XXXX  Interest XXXX Total Fees charged XXXX ??? Total interest charges XXXX Statement XXXX XXXX XXXX XXXX card #XXXX Interest XXXX  Total fees XXXX  Total interest XXXX  Statement XXXX XXXX XXXX XXXX XXXX #XXXX Purchase Adjustment XXXX XXXX post date Purchase adjustment XXXX XXXX XXXX Purchase Adjustment XXXX  Transactions XXXX XXXX XXXX Interest XXXX  Total Fees XXXX Total Interest XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXX card #XXXX XXXX XXXX  Purchase adjustment XXXX Interest XXXX Total Fees XXXX  Total interest XXXX Statement XXXX XXXX XXXX  card XXXX Interest XXXX  Total fees XXXX Total interest XXXX As you can see the mistakes on just this XXXX account are endless. And according to the FTC I don't have to pay a penny ( which I owe nothing) until XXXX XXXX figures this out. Now they have passed the deadline time of a reply and of getting this and the two personal cards adjusted properly. You must send you your credit card bill at least XXXX days before your payment is due. This helps you know exactly what you owe and gives you time to pay it before you owe finance charges. For instance, you could pay the entire balance of your bill (and usually avoid finance charges) or make a minimum payment (and owe finance charges). Per the FTC Promptly credit or refund overpayments and other amounts owed to your account if the amount youre owed is more than one dollar. If you prefer a refund, the issuer must send it within seven business days after they get your written request. If your bill has a mistake, the issuer must explain to you  in writing  the corrections that will be made to your account and remove all finance or other charges related to the error If the issuer determines that you owe some of the disputed amount, they must tell you promptly and in writing how much you owe and why. You may ask for copies of documents that the issuer says prove you owe the money. If an issuer doesnt follow the settlement procedure, they forfeit a portion (up to XXXX) of what theyre allowed to collect (the disputed amount plus finance charges), even if the bill turns out to be correct. For example, the issuer may have acknowledged your complaint in 45 days  15 days too late. They may have taken more than two billing cycles to resolve a dispute, or they may have threatened to report your failure to pay during the dispute period. Even if it turns out you owe the disputed amount, the issuer loses the right to collect up to $50 from the amount they otherwise could collect, because they violated the law. FTC says If youve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter. They have two billing cycles  generally two months or 60 days  to investigate the error, but they cant take more than 90 days. In the meantime, theyre not allowed to charge you interest on the amount being disputed.If the card issuer determines no billing error occurred, they must mail or deliver an explanation of the reasons why theyve rejected your dispute. If the card issuer determines a billing error has occurred, then they must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you. They have charged me for both interest and late fees. And no explanation to my recent The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus XXXX XXXX XXXX XXXX) that youre challenging your bill.YOU NOT ONLY TOOK ACTION AGAINST ME YOU RUINED MY CREDIT. At this point I have been trying for one year. I would like XXXX XXXX to post the payments I had to make to my vendors while they were off disputing items that never needed to be. I want them to clean up my credit they have ruined my XXXX today is at XXXX from XXXX they need to remove the closed accounts off the CRA's They never reopened them in May like they said they have kept my accounts closed and reporting them wrong. They need to make this right I need to be removed from collections. I want to be able to obtain credit and XXXX XXXX  should be the issuer of a new Business card. They have ruined my credit and my business has suffered over this . . I have attached proof I have paid my vendors I have sent returns I dont see credit for I have sent statements and anything else needed for you to correct this mistake let me know. You have not done the right thing from the start. please do it now.

Please see in addition to the attachments on this complaint the complaint you marked as duplicate XXXX refer to those attachments as well 


Again what is the generic adjusted purchase on XXXX XXXX  statement? Why are there two card numbers with purchases on both I have only had one XXXX Card #XXXX  so what is #XXXX  who used that card for purchases who activated that card? 

XXXX XXXX is back as a new charge ??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation