Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX appears to have sold my credit card debt to another company DNF Associates. I was never contacted about the debt instead they contacted my brother and sister in law repeatedly via calls and text messages asking if it was me and discussing the debt with them and threatening to take me to court. I filed a complaint with the XXXX  against XXXX XXXX XXXX XXXX because first of all the debt that they are claiming that I owe is over the credit limit that I had been given and they never contacted me. During the time that the charges were accrued on that account I had lost my job ; my daughter was in and out of XXXX  and someone that I had trusted wrote me a bad check which caused other issues. I requested proof of the debt to ensure that no one had used the card without my knowledge and they have declined to provide me with that information. The fact that no one contacted me did a search for my family and started contacting them discussing this debt with them and threatening to take me to court is ridiculous. I have copied and pasted the XXXX   response that I did get from them. 


XX/XX/XXXX XXXX XXXX  XXXX  XXXX. XXXX  XXXX XXXX, WA XXXX RE : XXXX XXXX XXXX  MasterCard Account Ending in XXXX Case # XXXX Dear XXXX  XXXX  XXXX  : This letter is in response to your inquiry dated XX/XX/XXXX, regarding a complaint filed with your office by the above referenced consumer. In her complaint, Ms. XXXX stated the debt we claim she owes is invalid. Additionally, Ms. XXXX stated that her family members have been contacted in regards to the debt. For resolution, she requests that the debt be remove from her credit file and cease reporting as well as discontinuing attempts to contact her family members. 

Our records indicate : On XX/XX/XXXX, Ms. XXXX submitted an application and was approved for a XXXX  Mastercard Account. 
o The Account was utilized for purchases beginning XX/XX/XXXX. 
Payments were maintained until XX/XX/XXXX, when a final payment, in the amount of {$200.00}, was applied to the account, which brought the account balance to XXXX. 
On XX/XX/XXXXthe account began being utilized for purchasing, however, there were no further payments received on the Account. 
On XX/XX/XXXX, the Account was charged-off with a balance of {$700.00}, due to non-payment. 
o The Account was subsequently sold to DNF Associates on XX/XX/XXXX. 
On XX/XX/XXXX, we contacted the debt buyer ( DNF Associates ), in reference to Ms. XXXX concerns. DNF Associates has confirmed Ms. XXXX Account will no longer be contacted. 
Additionally, debt validation has been sent to Ms. XXXX at the address we have on file. 

In regards to Ms. XXXX requested resolution, all contact will cease from DNF Associates. Unfortunately, we are unable to remove the account from her credit report, as we believe the account to be reporting accurately. We apologize for any inconvenience Ms. XXXX may have experienced, but hope this response provides clarification regarding this matter. If you or the consumer have any additional questions please contact us at XXXX between the hours of XXXX and XXXX Pacific Time, seven days a week. 

If the customer would like to discuss a repayment agreement, she will need to contact DNF Associates directly. They may be reached at : DNF Associates, LLC ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation