Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Khoury Alternative Claims Management
State: CO

Complaint narrative:
XXXX XXXX car claims that the car I rented got scratched while I was renting it. I know that I did not cause the scratch on the car. XXXX did not refund my {$300.00} deposit. They are alleging that I owe an additional {$1100.00} for repairs. They have failed to provide invoice for any repair cost, or any photos documenting the scratch did not exist prior to my rental period. They have also not provided evidence for their " loss of use '' claim either, nor confirmed that no other customers are being charged for the same scratch. They do not have a clear before photo to prove that the scratch was not already present. I sent them this letter : Dear Alternative Claims Management, I am writing to formally dispute the claim regarding alleged damage to the XXXX XXXX XXXX rented on XX/XX/XXXX. I know that I am not responsible for the scratch, as I returned the vehicle in the same condition in which I received it. 
To resolve this matter, I request the following : 1. Time-stamped photos of the vehicle 's damage taken immediately before and after my rental period.

2. A detailed breakdown of repair costs, including invoices or estimates.

3. Documentation supporting the " loss of use '' claim, including rental records proving the car was unavailable for use.

4. Proof that the damage was inspected and noted at the time of return in my presence, as per the rental agreement.

5. Verification that no other customers have been charged for the same damage. 
Please consider this letter a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ). I request that you cease collection activities until the debt validity has been verified. 
Thank you for your attention to this matter. I look forward to your response within 30 days. 
Sincerely, XXXX XXXX They responded with photos that absolutely do not prove the scratch was not already present prior to my rental to which I responded : XXXX XXXX, Thank you for providing the photos as evidence regarding the alleged damage. After careful review, the " before '' photo presented is extremely blurry and lacks sufficient clarity to establish that the scratch in question was not pre-existing. The image quality is so poor that any such scratch, if present, would be completely obscured. This undermines its validity as evidence. 

Under consumer protection standards, it is your responsibility to provide clear, definitive proof that the damage occurred during my rental period. As the evidence provided does not meet this standard, I request that you dismiss this claim immediately. 

If you proceed with the claim despite the inadequate evidence, I will have no choice but to escalate the matter by filing complaints with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office. 

I look forward to your prompt response confirming the dismissal of this claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation