Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Bounce AI, XXXX, and XXXX XXXX XXXX for multiple violations of federal consumer protection laws. These violations have caused direct harm to my credit integrity, financial stability, and emotional well-being. 
Bounce AI is attempting to collect a {$1300.00} debt tied to a XXXX  Installment Contract administered by XXXX XXXX XXXX ( starting from XX/XX/XXXX ). This debt is based on fraudulent billing from XXXX XXXX XXXX XXXX, which falsely claimed to have used XXXX XXXX  of XXXX  when only XXXX were XXXX  ( 1 full and the second one maybe 1/3 was left ). I paid for the actual services rendered ( {$600.00} for XXXX XXXX  and {$400.00} for the second and I believe {$94.00} late fees ) and technically retained available credit on the {$2400.00} credit. The remaining balance is fabricated. 
XXXX XXXX XXXX also opened a financial account using my Social Security Number without my knowledge or consent. I never signed or authorized any application. This constitutes identity misuse and unauthorized account creation. 
Bounce AI continues to harass me via text and email despite my written demand for mail only communication ( started XX/XX/XXXX and continued on the XXXX, XXXX and XXXX ). Their conduct violates multiple federal statutes and consumer protections. 
The following legal violations have occurred : FDCPA 1692e False representation of the character, amount, or legal status of the alleged debt FDCPA 1692c ( a ) Contacting me via text and email after I revoked consent and demanded mail-only communication FDCPA 1692d Harassment through repeated electronic contact FDCPA 1692f Attempting to collect an amount not authorized by agreement or law TILA 1631 Failure to provide accurate disclosures regarding financing terms and billing EFTA 1693c Unauthorized creation of a financial account using my Social Security Number 18 U.S.C. 1028 Identity theft : use of my SSN to open a credit union account without consent 12 U.S.C. 5531 Engaging in unfair, deceptive, and abusive acts or practices Each of these violations carries a statutory penalty of {$1000.00}, totaling {$8000.00} in fines. 
In addition, I am demanding the following corrective actions : Complete deletion of the tradeline if the creditor can not provide legally sufficient documentation in compliance with the Fair Credit Reporting Act ( FCRA ) Financial retribution in the amount of {$25000.00} to compensate for credit impairment, XXXX XXXX, and financial hardship caused by your agencys failure to comply with federal law Failure to comply with these requests will result in further legal action, including but not limited to : Civil litigation for damages Regulatory enforcement referrals Formal complaints to the Federal Trade Commission ( FTC ) Formal complaints to the California Attorney Generals Office I demand that the CFPB investigate and impose maximum statutory fines and corrective measures against all parties involved.

Company response to consumer: Closed with explanation