Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roadrunner Account Services, LLC
State: TX

Complaint narrative:
On or around XXXX XXXX, We, XXXX XXXX and XXXX XXXX, by and through XXXX XXXX XXXX tendered {$10000.00} as full settlement of our debt obligation to Roadrunner Services, LLC, without recourse, exempt from levy, without prejudice, and in accordance with UCC 1-303, 5 3-306, 3-108, and Title 15 of the USC. This payment exceeded the outstanding balance and was tendered as a complete satisfaction of our outstanding XXXX obligation for the dirt bike identified as XXXX XXXX XXXX XXXXXXXX XXXX VIN # XXXX. 

We requested that Roadrunner financial accept this offer as a valid form of payment and consider our debt fully satisfied, XXXX, and no longer collectible or enforceable upon receipt. By tendering a payment to Roadrunner Financial, we have exercised our right to pay the debt. 

However, we received a letter from Roadrunner Financial stating We have received a letter from you disputing your obligations under your Agreement wherein you cite a number of laws & regulations and assert various legal arguments. Upon receipt of your correspondence, we conducted an investigation of your account. Based on the results of our investigation we are not able to determine any basis in law or fact that would warrant the elimination of your obligations under your Agreement nor any basis for us to consider that your account has been satisfied. We have determined that the information in our files related to your account is accurate. Therefore, we will be taking no further action in regard to the various demands as stated in your most recent correspondence and deem your dispute closed. 

Roadrunner Financial misrepresented the fact that we tendered payment, stating that we were not attempting to pay the obligation. Roadrunner financial is currently unlawfully retaining our instrument ( the promissory note ), this is conversion and unlawful assumption of the use of trust property ( the note ). 

Please note that this payment is made without recourse and in accordance with the following regulations, laws, codes, and regulations : - Uniform Commercial Code ( UCC ) Sections XXXX, XXXX, and XXXX - Texas Uniform Commercial Code ( XXXX XXXX XXXX. ) - Federal Reserve Regulations - Truth in Lending Act ( TILA ) - Consumer Financial Protection Bureau ( CFPB ) regulations As of XX/XX/XXXX, legal tender is no longer required for the discharge of debt. This is in accordance with the holding in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ), which expanded the definition of legal tender beyond government-issued currency. 

Roadrunner responded with misrepresentations of our intentions and their attempt to dishonor my payment. I assert that the amount is dischargeable upon my lawful performance, as per the Uniform Commercial Code ( UCC ). I expect roadrunner to honor our agreement and acknowledge our payment as satisfaction of the debt. I reaffirm my commitment to paying for the dirt bike and request that the respondent cease any attempts to misrepresent my intentions and dishonor my payment. '' The unlawful refusal Roadrunner Financial rejected a tendered payment or item without a valid reason or justification, despite us having fulfilled their obligations. This refusal considered unreasonable due to the following : 1. The tendered item meets the contractual requirements. 
2. The item is of equal or greater value than the debt.

3. The creditor has no legitimate grounds for refusal.

4. The refusal is arbitrary, capricious, or in bad faith.

Company response to consumer: Closed with explanation