Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: WA

Complaint narrative:
A deposit of {$7700.00} was made without my authorization into my business account in XXXX of XXXX evidently under the XXXX XXXX. I received notification of the deposit after the fact and was given a form allowing me to reject the funds. I sent that form electronically and have a copy of the electronic record. I assumed that the issue was resolved. The money remaines in the business account. XXXX years later without any communication from the XXXX XXXX I received communication from a collection agency ( Pioneer Credit Recovery ). I notified them that I was disputing and imposed penalty and interest charges on this matter because I did not accept the funds. I sent the letter to the XXXX Department of Treasury on XX/XX/XXXX. I explained why I rejected the funds and that I had not received any instructions on the process since XXXX when the rejection of funds form was sent. Next I heard from Pioneer Credit Recovery that the funds and interest was still under collection and the total was increased based on interest. I spoke with an employee to try to understand why the originating agency was not communicating with me and was told although they ( XXXX ) realized that this was " not right '', that there was nothing they could do because they were just assigned the claim for collection and that the XXXX XXXX folks and The XXXX XXXX XXXX XXXX would not talk to me because the claim was in collection. Based on this they advised that I pay the total amount to resolve the issue before further interest accrued. Therefore, although I considered this incompetent and unfair, I made full payment by direct transfer of funds from my bank with the claim agent at XXXX over the phone. This payment included the original rejected deposit and interest and penalties in XXXX of XXXX. Next after no further communication I received a letter from XXXX stating that i still owed the money and additional interest had accrued. At that time the claim agent stated that " the payment didnt go through ''. I asked why that happened when it was handled properly in XXXX. He suggested that perhaps the bank had rejected the payment thinking it was fraud. I asked why I was not contacted for months and no reason was given. I checked with my bank and they could not give me any information at my branch. Next, I made an appointment with the IRS and they told me that the correct department was The XXXX XXXX XXXX XXXX. I then sent a letter to the XXXX XXXX XXXX XXXX in XXXX of XXXX ( I have verification of receipt ), and requested review and requested a response in XXXX days. I have still not received a response and in early XXXX I was contacted by another collection agency XXXX XXXX XXXX XXXX ) They informed me that there was no record of my letter of dispute to The XXXX XXXX XXXX XXXX and they were tasked to proceed with collection of the claim which had been reassigned from XXXX XXXX XXXX. I sent them a copy of the confirmation that the letter had in fact been received by the XXXX XXXX XXXX XXXX. 
They are supposed to confirm that the XXXX has the letter. 
It has always been my contention that the original deposit should have been retracked by the originating agency. Their lack of action has now led to this claim exceeding {$13000.00} for and original deposit of {$7700.00} and potentially affecting my credit. As stated I have done my part to pay this off including unwarranted interest fees in XXXX of XXXX. Therefore at time I have no confidence in this process and am seeking help in the ultimate goal of having the original deposit returned as I wanted and not to have to pay for interest payment due in my opinion to the governmental incompetence and poor communication.

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