Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I had an account with XXXX XXXX XXXX that went into collections in the beginning of this year. The debt was originally given to XXXX XXXX XXXX XXXX XXXX XXXX I made a good faith attempt to settle the debt for {$710.00} and established a payment plan with the collections agency of bi-monthly payments of {$100.00} which were drafted from my checking account on XXXX, XX/XX/XXXX and XX/XX/XXXX. They stopped drafting my account in XXXX for the payments and I never heard anything further from them. I received a letter from XXXX XXXX XXXX XXXX in XXXX and they reported the debt to the credit bureaus in XXXX as well. The letter from XXXX indicated that they received the debt from XXXX XXXX XXXX and they offered to " settle '' the debt for {$740.00} which is more money than what The XXXX XXXX XXXX XXXX agreed to settle for. I sent XXXX a written statement on XX/XX/XXXX and provided them a copy of the Agreement with XXXX along with a ledger of payments already remitted and requested that they honor the original settlement agreement. I have not received any written response to my letter as of XX/XX/XXXX. I called XXXX on XX/XX/XXXX to confirm receipt of my letter and verify that they would allow me to resume my payments as agreed with XXXX XXXX XXXX XXXX XXXX XXXX They refused and advised that they did not have to respond to my letter and they did not have to honor the settlement agreement made with XXXX XXXX XXXX XXXX XXXX XXXX I then called XXXX XXXX XXXX to request that they call the debt so that I could resume the settlement agreement and pay the debt in full to them directly. XXXX XXXX XXXX advised that they could not offer any recourse to me since the debt is now with XXXX. I called the XXXX XXXX XXXX XXXX to determine why the debt was no longer being managed by XXXX and why they stopped accepting payments from me. I was advised that they attempted to draft my account for {$100.00} on XX/XX/XXXX and XXXX and the payment was rejected for insufficient funds. I asked if there was a confirmation number from the bank related to the rejected payment and they said there was not. I had sufficient funds in my account during this date range for the payment so the insufficient rejection could not be true. I then asked the associate why I was never notified of the payment being rejected and he advised that they did not need inform me when a payment is rejected and I asked why I received no further notification from The XXXX XXXX XXXX XXXX and he confirmed that statements had been generated but never submitted to me either by email or post mail. At this point I am hesitant to begin making payments to another company if the debt will then be transferred to a different agency and they attempt to charge me more than what is agreed upon. What recourse do I have, as a consumer, to ensure that the amount due can not be changed by another collections agency if it becomes transferred to another agency?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation