Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, my wife passed away. She named me the XXXX. for her XXXX XXXX XXXX Checking and Savings accounts. She also had a XXXX XXXX XXXX XXXX XXXX  credit card. She opened her credit card account on XX/XX/XXXX, before she and I got married. She was the only person on that account, and no other names were on the statements. I opened his credit card account on XX/XX/XXXX. These were separate accounts. Within a few weeks after my wife 's passing, my daughter called XXXX XXXX XXXXXXXX XXXX XXXX Department. They told us that I was authorized to access her checking and savings accounts but was not tied to or responsible for her credit card. We went into the closest branch to close her checking and savings accounts around the beginning of XXXX. Starting at the beginning of XXXX, I started receiving billing statements from XXXX XXXX XXXX for both my AND my wife 's accounts, both with my name on them. We reached out to XXXX XXXX XXXXXXXX regarding this problem, and they kept declaring that it was my account and that I cosigned on this account back on XX/XX/XXXX. So, my daughter and I asked for the application that shows my signature agreeing to be a co-signer. They stated they would mail it to me, but on XX/XX/XXXX, all I received was a letter stating, " Unfortunately, we don't have a copy of the credit card application you requested. '' This continued for four more times over several months. At the end of XX/XX/XXXX, they sent me two letters stating they closed BOTH my AND my wife 's accounts and would be sending hers to collections. Now ... My card NEVER carried a balance, and I have ALWAYS made on-time payments on my account. Even my credit report shows this. However, they closed both accounts. So, my daughter and I called them AGAIN to attempt to resolve the issue. We went through 4 or 5 different customer service reps trying to get some kind of help. As we were talking to these people, they happened to tell us that, on my wife 's account, they couldn't find her name... They said my name was the only one on the account. After debating with the guy for about 10 minutes, he looked into the account history and found my wife was REMOVED from the account a few months back, and I was made the primary on it ... We tried to file the account as a fraud because they could NEVER produce proof that I was a cosigner on the account, and then someone there proceeded to remove my wife from it altogether and put only my name on it. However, they, of course, denied the claim. Since all of this, I have been receiving collection phone calls ( from Credit Control LLC ) starting at XXXX XXXX PST and continuing until as late as XXXX XXXX  PST every single day, despite my attempts to get them to stop. I have attempted to ask them to provide proof of ownership of the account, but they won't provide it. Because XXXX XXXX XXXXXXXX pinned my wife 's account on me and then closed both accounts and turned hers over to collections, this has affected my credit score. This has also been extremely hard on me emotionally and mentally because it is a constant reminder of my wife 's passing and has been causing pain as I'm working through this grieving process. Not to mention, it is excessive harassment. I am a XXXX widower... This just seems cruel.

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