Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington, XXXX XXXX RE : Formal Complaint Regarding ClearOne Advantage and Credit Reporting Issues To Whom It May Concern, I am filing this formal complaint on behalf of XXXX XXXX ( DOB : XXXX ), a senior citizen residing in XXXX, XXXX, concerning predatory practices, questionable financial transactions, and potential elder abuse by ClearOne Advantage and affiliated third-party agents, including XXXX XXXX XXXX XXXX This complaint also includes inaccuracies and unresolved disputes present on her XXXX  credit report. Between XXXX and XXXX, ClearOne Advantage and its financial partner XXXX XXXX XXXX repeatedly withdrew significant sums from XXXX XXXX account under the guise of debt consolidation services. Monthly service fees, transaction fees, and dishonored payment charges were imposed without transparent breakdowns or informed consent. These excessive drafts far exceed the fair value of services for a person in her financial position and age bracket. ClearOne Advantage failed to recognize her senior status or ensure she was eligible for alternative protections under state and federal consumer protection laws. According to XXXX XX/XX/XXXX credit report, XXXX XXXX has a XXXX  Score of XXXX, and over {$4000.00} in total debt, of which over {$2600.00} is listed in collections. Despite XXXXlearOnes assurance of improving her financial standing, their actions have coincided with continued derogatory marks and charge-offs reported by major creditors such as XXXX XXXX, XXXX, and XXXX XXXX. We believe the following violations have occurred : - Fair Debt Collection Practices Act ( FDCPA ) including misrepresentation of services and harassment. - Fair Credit Reporting Act ( FCRA ) due to continued reporting of accounts previously disputed. - Consumer Financial Protection Act regarding deceptive practices and lack of fiduciary responsibility toward elderly consumers. - California Elder Abuse and Dependent Adult Civil Protection Act for financially exploiting a person over XXXX years of age. We request the following actions : XXXX. Immediate investigation into ClearOne Advantage and XXXX XXXX XXXX for senior financial exploitation. XXXX Review of recurring, excessive fees and questionable withdrawals. XXXX. Deletion or correction of inaccurate and derogatory accounts on XXXX XXXX XXXX  report, especially those previously paid, settled, or in dispute. XXXX. Reimbursement or restitution where applicable. We are requesting a full review and response from the CFPB and the listed companies. We are also preparing documentation for the XXXX Department XXXX XXXX XXXX and XXXX, and the XXXX XXXX XXXX Department XXXX XXXX and XXXX XXXX. 
Attached are : - XXXX XXXX and ClearOne Account Statements ( XXXX ) - XXXX XXXX  XXXX  Credit Report ( XX/XX/XXXX ) Sincerely, [ Authorized Representative / Daughter ] On behalf of : XXXX XXXX XXXX, XXXX  Contact : [ Redacted for Privacy

Company response to consumer: Closed with explanation