Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
XX/XX/XXXX To whom it may concern : This is regarding the erroneous information that is appearing on all 3 of my credit reports from Statewide Credit Services Corp . 

First, this account should only be in my name. Please refer to letterhead from Statewide Credit Services. My husband, XXXX, it NOT involved in this. His social security number is XXXX. This date of birth is XX/XX/XXXX. However, this information is showing on all 3 of his credit reports. 

Second, on XX/XX/XXXX, I had a leak with one of the drainpipes in the main bathroom of my home, located on the upper level of my home. This pipe was in the soffit under the main bathroom and leaked behind the wall of the bathroom on the lower level, as well as the outside patio. I called XXXX XXXX of XXXX, and XXXX, a technician, came to my home. Because of the water damage this pipe caused the lower level of my home, XXXX gutted the downstairs bathroom as well as the outside patio to get to the damage. XXXX also recommended XXXX of XXXX for the water damage. XXXX from XXXX arrived at my home on XX/XX/XXXX to give me an estimate of the damage. XXXX informed me that there was thousands of dollars worth of damage to the bottom structure of my home because of the leak. XXXX stated this structure was compromised because of the water damage. He stated there was at least {$20000.00} in damage, and I had to file a claim with my home insurance XXXX as soon as possible. XXXX led me to believe the den in the upper part of my home was so damaged from the water, it could collapse at any minute. On XXXX recommendation, I immediately called my agent at XXXX. XXXX left with a check for {$500.00} to cover my deductible from XXXX. XXXX also set up fans to help with the water damage. The balance we owed was {$1000.00}. 

Approximately one week later, my agent from XXXX, XXXX XXXX, arrived at my home to give me an estimate. 

On XX/XX/XXXX, Ms. XXXX XXXX completed her summary of the real damage to my property. I learned that the damage was not anywhere near {$20000.00} in damage. Since I have a deductible of {$500.00}, the check I received from XXXX was {$1300.00}. However, it cost me 4x that amount to replace everything they took down. 

Also, although a certificate of completion was signed, that certificate was for the bags of wet sheetrock that XXXX took out of my home, and for the fans they brought in to dry my carpet. That is it. Also, please note the date. CWD of XXXX was signed on XX/XX/XXXX. However, the final report from XXXX is dated XXXX days later. I had no idea what XXXX would find until after I received their report. 

I called the owner of XXXX of XXXX, XXXX XXXX, approximately XX/XX/XXXX and informed him of the discrepancy with his estimate that XXXX gave me. According to XXXX, he tried to cheat my insurance company. No part of XXXX estimate was correct. I have spoken to the managers of XXXX, and they all agree that XXXX of XXXX tried to cheat XXXX. XXXX demanded payment in full. 

While trying to rectify this amicably, Mr. XXXX showed up at my husbands business on several occasions. He also harassed the agent at XXXX, XXXX XXXX on numerous occasions. He located my husband on XXXX and wrote erroneous information about his business ( Mr. XXXX never had any business dealings with my husband ). I had to report him to my local police station, as well as to the owner of XXXX XXXX. 

I spoke with a representative from XXXX and XXXX of XXXX, NY who informed me that they dropped Mr. XXXX as a client after speaking to me and learning how he tried to cheat XXXX XXXX. 

This account was put in to collections, however, my balance as of today is {$1300.00}. It goes up every month. 

On XX/XX/XXXX, Mr. XXXX reached out to me through XXXX  and offered to " stand down '' and stop any further action if I took down my negative reviews that were posted about his company. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation