Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Intercap Services, LLC
State: KY

Complaint narrative:
I am filing this complaint against Intercap Services , LLC because are the owner of an account originally associated with XXXX ( XXXX XXXX ). They have assigned collection authority to a third-party debt collector called XXXX XXXX XXXX XXXX XXXX XXXX XXXX is making false statements about my account, and Intercap Services , LLC is legally responsible for the actions of the collection agents they hire. I have tried to resolve this matter in good faith based on significant financial hardship. My household currently qualifies for XXXX, XXXX, and 100 % hospital financial assistance. Despite this, I have had ongoing difficulty obtaining a clear explanation and accounting from XXXX XXXX XXXX of the balance being claimed. XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX XXXX, is currently attempting to collect approximately {$2200.00} on this account. I requested documentation supporting the balance, including an itemization of interest, fees, and other charges added after the account was charged off on XX/XX/XXXX. My concerns are as follows : 1. Incomplete Balance Documentation XXXX XXXX XXXX provided a transaction ledger in response to my request for validation. However, the ledger provided ends on XX/XX/XXXX with a balance of approximately {$2100.00}, while the amount currently being claimed is {$2200.00}. Based on the records provided to me, there appears to be an unexplained difference of approximately {$84.00} between the final ledger balance and the amount now being collected by XXXX XXXX XXXX. I requested a detailed accounting explaining all interest, fees, adjustments, and charges added after the ledger end date, but I have not received a complete line-item explanation supporting the full balance being claimed. In addition, my credit monitoring through XXXX XXXX app reflects a highest balance of approximately {$1700.00}, which differs from the amount currently being demanded by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is responsible for ensuring their collection agents demand accurate balances. 2. Attempt to Collect Additional Transaction Fees XXXX XXXX XXXX informed me in writing that an {$11.00} transaction fee would apply to payments made on the account. I requested documentation showing whether this fee is authorized by the original agreement or otherwise permitted. I have not received documentation from XXXX XXXX XXXX clearly establishing authorization for this fee. 3. Collection Conduct During Ongoing Dispute After I raised concerns regarding the balance calculations and requested additional documentation, I received an email from XXXX XXXX XXXX stating that the account was being forwarded to legal counsel because a settlement could not be reached. I felt this response was inappropriate given that I was actively disputing the balance and attempting to obtain clarification regarding the missing accounting details and additional fees being claimed. According to the records provided, I have already paid approximately {$3200.00} toward the principal balance of approximately {$3100.00}. Based on the information available to me, the remaining amount being sought appears to consist primarily of accrued interest, fees, or other charges.

Company response to consumer: Closed with explanation