Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc.
State: AR

Complaint narrative:
XXXXPrint complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue False statements or representation We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Credit card protection safeguards you from liability for unauthorized use of your card, including situations where it is stolen, borrowed, or used without permission. I made a payment of {$100.00} to Valentine and Kebartas for a credit card debt, with the receipt number XXXX and account number XXXX on the transaction date of XX/XX/XXXX. This payment was authorized, Hello XXXX, Thank you for your recent transaction. A payment of {$100.00} USD will be processed with Valentine & Kebartas XXXX XXXX. 

Confirmation Number XXXX Account Number XXXX Transaction Date XX/XX/XXXX XXXX XXXX Mountain Transaction Details Payment Method : SALE Authorization : XXXX XXXX  ending in XXXX Payment : {$100.00} Fee : {$0.00} Total : {$100.00} Paid By Paid To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX you for your payment. If you have questions or need to make changes please call Valentine & amp ; Kebartas at XXXXThis communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. For further info regarding your account please call XXXX and I intended to send money orders for the remaining balance. I requested the company 's mailing address to send the money orders, and the debt collector assured me that she would provide this information by mail, along with the remaining debt amount of {$930.00} and change. My plan was to send a money order for the remaining balance on XX/XX/XXXX. The initial payment was made in good faith to demonstrate my commitment to resolving the debt and to arrange for its clearance. I did not authorize the retention of my card information for the payment of the remaining balance from my locked XXXX card. However, a representative from Valentine and Kebartas attempted to process the remaining debt amount using my credit card information. I had not given consent for XXXX to charge my card for the amount of {$930.00} on XX/XX/XXXX, which was declined due to insufficient funds. Upon contacting the manager of Valentine and Kebartas, I was informed they operate for XXXX collection services and believed they were entitled to charge my card for the final amount. I asserted that consent is required for such an action and that retaining my credit card information to use at their discretion without permission is a violation. I argued that due to this breach by the debt collection agency, the owed debt should be canceled in accordance with theThe Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. I am currently recieving emails and texts from various debt collector companies for the same debt all caliming to be from XXXX XXXX XXXX all wanting the same debt but different for amounts and asking or demanind payment through my email asking that I enter information through links sent which is unsafe they send requests to my email address of XXXX. I have submitted complaints to the Arkansas Attorney General for consumer complaints for doxing my information and all of these so called debt collection agnecies should send letters to validate debt which I have not been given from those stated above collection agencies and I have a right to see the debt if it is truly mone and there should be a letter sent to the address not a prcess server trying to serve legal documents to a person who happens to have the same first name or last that does not mean this debt is their debt. Collections agencies have rules and regulations that state under the Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. that they must send a letter of the debt validation which gives 30 days and attempt to collect debt as well as the responsibiltiy to find the right person that this debt originated. when I submitted my information on this database for the compalint process for the Consumer Financial Protection Bureau it showed an incorrect address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is not my address and my personal email does not link to anyone from XXXX XXXX nor XXXX Arkansas and I see that there was someone who had the name of XXXX XXXX living in XXXX Arkansas clearly not this consumer nor do I identify as XXXX or live in XXXX XXXX I do not living with a man named XXXX! I have a daughter and son true but I am a target because I have an insurance business and I have worked hard for 6 years regarding my business. 

Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 
Inactive modal Issue False statements or representation Have you already tried to fix this problem with the company? 
Yes Did you request information from the company? 
No Type of Issue Attempted to collect wrong amount What happened? 
Credit card protection safeguards you from liability for unauthorized use of your card, including situations where it is stolen, borrowed, or used without permission. I made a payment of {$100.00} to Valentine and Kebartas for a credit card debt, with the receipt number XXXX and account number XXXX on the transaction date of XX/XX/XXXX. This payment was authorized, and I intended to send money orders for the remaining balance. I requested the company 's mailing address to send the money orders, and the debt collector assured me that she would provide this information by mail, along with the remaining debt amount of {$930.00} and change. My plan was to send a money order for the remaining balance on XX/XX/XXXX. The initial payment was made in good faith to demonstrate my commitment to resolving the debt and to arrange for its clearance. I did not authorize the retention of my card information for the payment of the remaining balance from my locked XXXX card. However, a representative from Valentine and Kebartas attempted to process the remaining debt amount using my credit card information. I had not given consent for the collections rep XXXX to charge my card for the amount of {$930.00} on XX/XX/XXXX, which was declined due to insufficient funds. Upon contacting the rep. of the law firm of Valentine and Kebartas who stated she was a manager of Valentine and Kebartas, I was informed they operate for XXXX XXXX XXXX XXXX XXXX XXXX gave Celtic/ as my debt but it shows it is XXXX XXXX XXXX and Credit card debt. Valentine Kebaratasran my credit card without my consent or permission! I called them after I recieved an alert from wisely adp card services it was my payroll card and they send alersts to my phone and eail regardng certain amounts being debtied from my account. Valentine and Kebaratas submitted the amount of XXXX without a call to the owner of the card to get permission or consent these people beleived they were entitled to charge my card for the final amount without consent or a call for permission whic is not legal to do it is seen as stealing and or fraud. I was told my credit card information was not stored or saved. I only agreed to the amount of XXXX for the payment processed on XX/XX/XXXX. I asserted that consent is required for such an action and that retaining my credit card information to use at their discretion without permission is a violation. I argued that due to this breach by the debt collection agency, the owed debt should be canceled in accordance with the Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 
I recieved a notice as an advertisement from lawfirm of XXXX XXXX XXXX XXXX stating that I have a debt the nmae shows XXXX XXXX which is not my name. My name is XXXX XXXX XXXX , as I stated to the processor by the name of XXXX trying to add my name to a legal document to be served to a XXXX XXXX XXXX XXXX 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

Credit card protection shields you from liability for unauthorized use of your card, such as when it is stolen, borrowed, or used without consent. I contended that due to this violation by the debt collection agency, the debt in question should be nullified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from employing abusive, unfair, or deceptive practices in debt collection. 
What company is this complaint about? 
Company Information Valentine & Kebartas , LLC Involvement Debt Collector Account number What people are involved? 

Your contact information XXXX XXXX XXXX ( XXXX ) XXXX XXXX North XXXX XXXX XXXX XXXX XXXX Arkansas XXXX United States Your preferred language English

Company response to consumer: Closed with explanation