Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Blocked Vehicle Registration Due to Unpaid Tolls Vehicle License Plate Number : [ XXXX ] XXXX XXXX  Account Number : XXXX Dear XXXX, I am writing to address an issue with the registration of my vehicle, which has been blocked due to unpaid tolls that were transferred from a toll account not associated with me. 
The situation is as follows : **Vehicle Leasing** : The vehicle in question was leased through XXXX under the XXXX XXXX  account of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. During this period, XXXX XXXX was responsible for all toll payments under his XXXX XXXX account [ XXXX ], which was registered to the license plate XXXX  XXXX 
**Account Transition** : In late XX/XX/XXXX, after discussions with XXXX XXXX about removing the vehicle from XXXX, I registered a new XXXX XXXX account in my name and linked it to the license plate XXXX. I also ensured that a credit card was on file to cover any future tolls through recurring payments. On XX/XX/XXXX, XXXX XXXX XXXX called your center to remove the vehicle from his account. At that time, or shortly after, a request was initiated to transfer all tolls under his account [ XXXX ] for license plate XXXX  to my new account [ XXXX ] for license plate XXXX. 
Since XX/XX/XXXX, I have made numerous attempts to resolve an issue related to unpaid tolls that were incorrectly transferred to my account. Despite contacting your call center multiple times, the issue remains unresolved. 
**Blocked Registration** : Due to the ongoing lack of communication and resolution, my vehicle registration has been blocked as a result of unpaid tolls that were accrued while the vehicle was leased under XXXX XXXX XXXX XXXX account. The initial balance of {$580.00} was transferred from XXXX XXXX account. However, the most recent statement dated XXXX XXXX XXXX available via the XXXX website as of today, XX/XX/XXXX, shows a credit of {$1.00} on the account. Despite this, the XXXX Pay Here page reflects a balance of {$1000.00} and lists the account as delinquent, which is a {$440.00} increase from the initial transferred amount. 
Could you please provide all invoices associated with XXXX XXXX XXXX so that I can verify the accuracy of these charges? 
**Lack of Communication** : I submitted inquiries through the XXXX website XXXX but these were consistently closed without any communication or explanation as to why, and without providing the documentation I requested. In XX/XX/XXXX, I contacted XXXX collection agency, Valor Intelligent Processing ( Accounts XXXX XXXX XXXX XXXX XXXX XXXX  ), to inform them of the error and attempt to resolve the issue after validating that the transferred balances were not mine. Unfortunately, I received no response from them either. 
**Legal References** : 1. **Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( b ) ** : XXXX and its collection agency are required to investigate and correct inaccurate information reported to credit bureaus. The failure to address my disputes properly and potentially report inaccurate information violates FCRA regulations.

2. **Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g** : XXXX  collection agency has a legal obligation to validate the debt upon request. The failure to provide this validation in response to my inquiries may constitute a violation of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The lack of communication and failure to resolve this issue may be considered deceptive business practices under Texas law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation