Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ASSOCIATES, INC. (OR)
State: OR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper debt collection practices of Credit Associates Inc., evident in case XXXX, heard in XXXX XXXX XXXX on XX/XX/year>. While Credit Associates Inc. provided an itemized breakdown of the alleged debt, their documentation omitted a {$100.00} payment that my wife had already made. This omission raises concerns about the accuracy of their records and their compliance with the Fair Debt Collection Practices Act ( FDCPA ).

Summary of Complaint : Omission of Payment in Itemized Breakdown : Although Credit Associates Inc. submitted an itemized breakdown of the alleged debt, this documentation failed to account for a {$100.00} payment my wife made toward the balance.

The omission of this payment calls into question the accuracy of their records and their overall claim against me.

Failure to Verify Debt Accurately : Under 15 U.S.C. 1692g ( b ) of the FDCPA, I have the right to request verification of a debt, including a detailed breakdown of charges and payments. By submitting incomplete and inaccurate information, Credit Associates Inc. failed to provide proper verification as required by federal law.

Improper Legal Action Without Correct Verification : Credit Associates Inc. initiated legal action without first ensuring the accuracy of their records. This resulted in a judgment being entered against me based on incomplete evidence, causing significant financial and emotional hardship for my family.

Lack of Transparency in Communication : Prior to the lawsuit, Credit Associates Inc. did not adequately address my requests for debt verification or provide clear communication about the alleged debt. Their failure to account for my wifes payment further demonstrates a lack of transparency.

Impact of Their Actions : The omission of my wifes {$100.00} payment and the subsequent judgment entered against me have caused undue financial and emotional strain. This situation underscores the importance of requiring debt collectors to ensure accuracy and compliance with the FDCPA before pursuing legal action.

Intent to File a Motion to Vacate : I intend to file a motion to vacate the judgment in case XXXX due to Credit Associates Inc.s failure to provide accurate and complete verification of the debt.

Requested Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter to determine : Whether Credit Associates Inc. failed to accurately verify the debt and account for all payments made.

Whether Credit Associates Inc. violated the FDCPA by pursuing legal action without proper and complete verification of the debt. 

Thank you for your attention to this matter. Please let me know if additional documentation or information is required to support my complaint. I am committed to resolving this issue and ensuring accountability for debt collectors who fail to comply with federal laws.

Company response to consumer: Closed with explanation