Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paragon Subrogation Services, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I received a call from an unknown number, proceeding to inform me that they are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. Upon me requesting additional information to validate, call was disconnected, and I immediately called back and left a message for the individual that called ( XXXX ). A few days later, XX/XX/year>, I received a letter/ invoice for a total amount of {$540.00}. for a claim of damages. I swiftly replied to the letter on XX/XX/year> with the following explanation : On/during XX/XX/year> XX/XX/year>, I rented a car from rental company XXXX in XXXX, TX under reservation number XXXX. You have now sent me an invoice for damages to " door, rear edge Driver side scratch 5-10cm ( down to primer ). '' Which i've since disagreed with. As the claim is disingenuous and has previously been disputed, with a resolution thought to have been concluded. On the date of XX/XX/year>, I arrived to pick up a rental ( XXXX XXXX ) booked through XXXX, under reservation # XXXX. After being upsold by the agent at the counter, the new vehicle ( XXXX XXXX ) was reviewed and existing damages Identified ( please refer to rental agreement copy ). 

Amongst the blemishes and damages Identified, was a minor damage noted to be Door, rear Passenger side Dent. Thus, noting pre existing damage within that area.

Moreover, when observing the picture that was provided by XXXX claiming damage, the door pictures was neither the drivers side door, nor the " dent '' pictured lager than 1 cm. The picture provided by XXXX further substantiates my claim as the position of tire and door handle shows that the damage being claimed in on the passenger rear door. Whilst in my possession, there were no other damages on my part. Which should be further substantiated by the final receipt that was e-mailed. As I walked through the vehicle with the agent, at approximately XXXX, XX/XX/year>, to confirm condition, mileage and gas levels were to satisfaction per contract.

Unbeknownst to me, Monday, XX/XX/year> at XXXX, I received an email claiming to be damage to the door, rear edge driver side scratch 5-10 cm. I immediately responded and provided pictures, and received confirmation of my response at XXXX, XX/XX/year>. By XXXX XXXX  the same day, I received another email from XXXX. This time, it included a final receipt for the original {$220.00} with no billed damages. I presumed the case was close and no further action, as there were no further communications from XXXX until receiving a phone call 2 days prior to the letter received in the mail on the XXXX XXXX XXXX XXXX ( see attachments ). 

As stated, to substantiate my point of view, please find attached copies of the car rental agreement, pictures, and email communications.

For reasons stated, I request that you send me written communication, within 14 days of the date on this email that this matter is concluded and Im absolved of responsibilities related to the alleged damage. As it was not on my part.

Since my email, there's been no further response acknowledging my dispute. What I did receive, was another letter requesting the debt be paid or legal action be taken against me.

Company response to consumer: Untimely response