Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
Friday, XXXX XXXX, XXXX at XXXX XXXX  spoke with XXXX XXXX from XXXX. She ignored the information of payments made to XXXX. XXXX failed to provide this information ofv payments. Their system purposely rejected my payments, and nothing was done to remedy tech issues. I do have evidence of psyment and offered to show proof that the debt was XXXX not XXXX. XXXX XXXX began yo bargain refusing to accept my proof. 

XXXX @ XXXX XXXX  I leave a voice message reminding XXXX to send a formal letter to my email address. Per her colleagues XXXX, XXXX, and XXXX, many correspondences were sent to my email. XXXX letter in XXXX was the only letter sent from XXXX XXXX. None from XXXX. XXXX continued to call repearedly with very rude, disrespectful speech and aggressiveness concerning the debt. The only person who was meeting customer service guidelines was XXXX. 

XXXX @ XXXX XXXX  XXXX XXXX began to badger me about owing the debt. She accused me and attempted to convince me that I owe the debt. She then accused me of not allowing her to speak. She continued with her badgering and accusations. I asked for a supervisor and XXXX XXXX XXXX  a second call was made and XXXX granted my request to speak to a supervisor named XXXX. XXXX XXXX argued that XXXX a letter was emailed, in fact, several were emailed and I am not getting another letter he assured. Sometime after, calls from XXXX XXXX in voice messages, was requesting my address. I don't know the nature of his request. If they have XXXX account, they would know my address. If they sent so many letters, XXXX should know my address. 

Their methods fall under unair Debt Collection Practices Act As amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p. 

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

Table of Contents 804. Acquisition of location information 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 811. Legal actions by debt collectors 812. Furnishing certain deceptive forms ideas 813. Civil liability 814. Administrative enforcement 816. Relation to State laws 817. Exemption for State regulation 818. Exception for certain bad check enforcement programs operated by private entities 819. Effective date 15 USC 1601 note

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