Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: MI

Complaint narrative:
I had an auto accident in Michigan on XX/XX/year> which is pure no-fault insurance state. I have insurance coverage through XXXX, and the other party to the accident had insurance coverage through XXXX XXXX. My carrier paid me for the damage to my vehicle, and XXXX XXXX paid its insured her property and other damages from the accident. I believe around summer or fall of 2023, I started receiving collection correspondence and calls from Seattle Service Bureau , Inc. dba National Service Bureau ( NSB ) to collect a subrogation debt from XXXX XXXX property protection coverage of {$10000.00} that was paid from XXXX XXXX to their insured ( who was the other party to the accident ). XXXX informed me that subrogation is inappropriate due to XXXX pure no fault law. I called NSB upon receiving their first notice and spoke with an individual named XXXX XXXX. I asked him to confer with XXXX and provided him with my claim #, insurance information, and the contact information of the XXXX rep handling my claim. He indicated he would deal with this directly with XXXX going forward. I received several more debt collection calls and written correspondence from NSB from there, despite these collection calls being wholly inappropriate and illegal since each party to the accident had their own no-fault insurance coverage through their own carriers. I ignored these calls and correspondences up until about a month ago. I spoke with a new NSB rep, XXXX, who I informed I would not be paying them and to stop calling me since I had coverage and Michigan is a no-fault state. XXXX threatened to file a tort complaint against me with the State of Michigan since they had no indication I had insurance coverage and that my license would be suspended or revoked. She claimed I gave them the wrong insurance claim information when I spoke with XXXX XXXX which is not true. I then re-provided XXXX with my insurance and claim information and the contact information of my XXXX rep. I then called my XXXX rep and informed her of the distressing threats of a tort claim against me and the harassing nature of these collection calls on a debt I do not owe to NSB or XXXX XXXX. She called XXXX of NSB back and spoke with her so that NSB would deal directly with XXXX regarding their wrongful debt collection claim. This was a few weeks ago. Now, on Saturday, XX/XX/XXXX my mom who lives at a completely different address received a message on her landline from XXXX XXXX of NSB to collect the XXXX XXXX debt against me. Now NSB is harassing my family about a debt I do not owe in order to embarrass and further harass me. I informed XXXX that NSB is continuing to harass me about collecting a debt I do not owe. This needs to stop. Today, my XXXX XXXX sent a denial letter to XXXX XXXX about their wrongful subrogation claim and also spoke with a rep at NSB to inform them of the denial letter. I am concerned that XXXX will continue to harass me and my family and wrongfully put a collection account on my credit report.

Company response to consumer: Closed with explanation