Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: MN

Complaint narrative:
This complaint concerns Bounce AIs misleading and inconsistent collection practices on a XXXX XXXX XXXX of XXXX. XXXX  has refused to honor the original contract terms, misrepresented the type and repayment structure of the account, failed to provide proper validation of ownership, and used shifting threats of credit reporting to pressure payment. 
I am disputing a debt that Bounce AI claims to collect from a XXXX XXXX XXXX of XXXX. My original contract with XXXX clearly states that if servicing changes, the XXXX becomes fixed and the balance must be amortized over XXXX years. XXXX, despite having this contract in its possession, refuses to apply the five-year term and has only offered repayment over XXXX  months. I have never signed any agreement with XXXX, so the only binding terms are those in the original XXXX contract. 
XXXX  records are inconsistent and unreliable. The transaction history they provided reads like an internal ledger rather than an accurate payment history and does not reconcile with the {$5200.00} balance they claim. According to XXXX  own transaction record, my balance should total {$5100.00}, not {$5200.00}. This {$170.00} discrepancy is unexplained within their own ledger entries and further undermines the reliability of their records. Even if interest is included, the claimed balance still exceeds my {$5000.00} credit limit, which the agreement did not permit, so any balance above {$5000.00} must be transparently explained as interest, which their records do not show. 
In addition, XXXX  communications show conflicting and inaccurate information. For example, XXXX  refers to my account as a Personal Loan, when in fact I only ever signed a Line of Credit agreement with Tally. I have never signed a personal loan agreement with XXXX or any other company. This misclassification is material because the Line of Credit contract includes a XXXX amortization clause after servicing change, while a personal loan may not. XXXX  is therefore misrepresenting the character and legal status of the debt ( an FDCPA violation under 15 U.S.C. 1692e ( 2 ) ). They also originally told me the longest repayment term available was XXXX  months, yet their portal now shows repayment options of only XXXX weeks and a maximum of XXXX  months for monthly plans. These contradictions highlight unreliable records and misrepresentation of the debt. 
Despite my written dispute on XX/XX/year>, XXXX continued collection activity. They have claimed they validated this debt, but they have not produced a bill of sale or assignment agreement proving ownership. Internal account data is not sufficient validation ; FDCPA requires proof of ownership, which means producing the executed bill of sale or assignment agreement that specifically includes my account. 
Finally, XXXX has used misleading threats of credit reporting. On XX/XX/year>, XXXX emailed me that while this debt has not yet been reported to the credit bureaus, that could change soon and warned me to act before it impacted my credit report. Their portal previously contained a similar countdown, which has since disappeared. These shifting messages suggest XXXX is using misleading threats of credit reporting to pressure payment, which is prohibited by FDCPA 807. Even if no report was ultimately made, the misleading threat created confusion and pressured me to consider payment on a debt that XXXX has not validated. 
These practices have forced me to spend significant time disputing the account, created ongoing confusion over my obligations, and caused stress over potential credit damage. I believe these practices violate the FDCPA and raise FCRA concerns, as XXXX threatened to report inaccurate information to credit bureaus and used those threats to pressure payment.

Company response to consumer: Closed with explanation