Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
A. Debt Summary & Validation of Debt 1. Original Debt : - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Original Amount : {$4800.00} 2. XXXX  XXXX XXXX XXXX  - Agency : Credit Control LLC - Website : https : //www.credit-control.com - Settlement Amount : {$3800.00} - Payment Plan : 4 monthly payments of {$1200.00} - Contact Emails : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Claimed Balance ( per Validation of Debt ) : {$3800.00} - Website for Payment : XXXX XXXX XXXX - Contact Person : XXXX ( XXXX : XXXX ) B. Regarding Unfair Collection Claim by Debt Collection Agencies Dear Sir or Madam, I am writing to formally raise a concern regarding the unfair debt collection practices I have recently experienced involving my remaining auto loan ( XXXX XXXX XXXX ). 

In XX/XX/XXXX, I received an email from Credit Control LLC ( https : //www.credit-control.com ) regarding a payment arrangement for my outstanding balance. After verifying through XXXX and finding them to be a legitimate agency, I accessed their website using : Account Number : XXXX Reference Number : XXXX I subsequently reached a settlement agreement, reducing the total amount from {$4800.00} to {$3800.00}, to be repaid in 12 monthly installments of {$320.00} ( XX/XX/XXXX XX/XX/XXXX ). 
( Attachment 1. Debt Adjustment ConfirmationXXXX_Credit Control LLC/ XXXX XXXX payment_Credit Control LLC ) However , starting in XX/XX/XXXX, the payments were no longer being withdrawn from my account. When I contacted Credit Control LLC, I was informed that they were no longer handling my account. 
( Attachment XXXX Service Termination Confirmation XXXXCredit Control LLC/ XXXX & 3.2 Payment Amount ConfirmationXXXXCredit Control LLC ) They also confirmed that I had already made payments totaling {$1200.00} for four months ( Attachment 3. Payment and Balance ConfirmationXXXXCredit Control LLC ) , but subsequent attempts to reach them by phone were unsuccessful. 

Then, around XX/XX/XXXX, I received a letter from a new collection agency, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXhis agency demanded payment of the full {$3800.00}, completely disregarding the {$1200.00} I had already paid under the prior agreement. 

On XX/XX/XXXX, I emailed them ( XXXX ) to dispute the debt amount. 
( Attachment XXXX. Balance Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I received a call from XXXX ( XXXX XXXX requesting verification documents, and today I finally received a debt validation letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Attachment : XXXX. Validation of XXXX XXXXXXXX XXXX XXXX XXXX I find it concerning and confusing that the company name keeps changing in this process. More importantly, despite my previous payments of {$1200.00}, the debt has not been adjusted, and I am still being asked to pay the originally agreed amount in full. 

I am currently under significant financial strain, yet have been doing my utmost to responsibly resolve my debt. The abrupt transfer of my case to a new collection agency without prior notice, coupled with the disregard for the payments I already made, is both unfair and distressing. 

Accordingly, I kindly request the following : A clear explanation of why my case was transferred without proper notification and why my already paid amounts have not been deducted. 

An immediate adjustment of my outstanding balance to reflect the {$1200.00} already paid. 

Clarification regarding the relationship between Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, as this change of names raises serious concerns. 

Measures to ensure that similar issues do not negatively impact other consumers. 

I appreciate your attention to this matter. Please let me know if you require any additional documents or information, and I will be glad to provide them promptly. Given the urgency, I sincerely hope this issue can be resolved quickly so I can return to a normal life without this undue burden. 

Thank you very much for your time and understanding. I look forward to your prompt response. 

Sincerely,

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