Consumer complaint received 2025-01-25 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: CNG HOLDINGS INC
State: CA

Complaint narrative:
On XXXX, XXXX, XXXX, I believed I was purchasing an item at XXXX with a rent-to-own agreement using a service offered by XXXX with XXXX, the leasing company. After my initial payment and making the additional payments, I paid all of the debt that I owed. On XX/XX/XXXX, I was notified by my credit monitoring program that a new collections was on my credit report with XXXX. It wasn't until this account was sent to collections that they claimed I owed more money. I called to see why they had sent me to collections and received inconsistent information and misinformation as I was trying to determine what exactly I owed, if anything at all. I reached out to XXXX to get more information to no avail. Frankly, I didn't trust either of them. I filed several disputes with XXXX for the last 2 years asking them to provide specific information about my account because I had paid off the oven off. I have been asking them to remove the collections from my credit report. On XX/XX/XXXX, CFPB took action against Tempoe , LLC for tricking consumers into expensive leasing agreements by concealing the contract terms and costs, and failing to provide legally required disclosures. The CFPB found in support of affected consumers like me as I am a client who entered into agreements from XX/XX/XXXX to XX/XX/XXXX and did not receive the full terms of the lease prior to the consummation of the agreement. As CFPB found, they totally misrepresented things to me. CFPB found that XXXX must release consumers from existing lease agreements, Your action found that XXXX must release all consumers with existing lease agreements from their leases, including from any payments owed and without regard to whether such leases are in default. My account, according to XXXX and XXXX, is in default. I am one of the people CFPB defended and I want this item removed from my credit report immediately. 

I am requesting that CFPB enforce this action and have the collection agency, XXXX and XXXX XXXX, remove this account from my credit report immediately and never be allowed to put it on my credit report as a collection again. 

I believe that XXXX XXXX XXXX XXXX XXXX is in cahoots with XXXX, which conveniently sent my account into collection 9 months before CFPB took action against XXXX on XX/XX/XXXX. I believe that in addition to victimizing me with their deceptive practices and very confusing marketing, they put my account into collection to try to avoid the consequences of the pending CFPB stipulation. I believe they were probably already aware that CFPB would hold them accountable and made a mad dash to put my account in collection to threaten me, use collection laws to hurt me, as a person protected by the CFPB. As your stipulation confirms, they are a deceptive company which can never provide leasing agreements in our country. The collections agency wants to deceive me and try force me to pay them money I do not owe. I believe XXXX and XXXX XXXX XXXX XXXX XXXX are conspiring to confuse consumers to get any money from them and using the threat and action of collections to work around the intention of the CFPB stipulations to hold them accountable for deceptive business practices.

Company response to consumer: Closed with explanation