Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
b'After the Paypal small business credit card closed, our balance was transferred to Servicing Solutions. I have been making payments on time each month until I got several calls and texts in mid-October that my payment is overdue, with a sense of urgency to make a payment over the phone. It was the same number I have always used but the line was breaking up constantly. In the pressure of the moment while on the phone with them, I scheduled a check payment to be sent out. They were very disappointed that I was sending the payment by check in the mail rather than providing my bank info over the phone. I didnt think much of it during our call. \n\nAfterwards I realized that I had already made a payment for the last statement received and no statement had been issued since then. I sent an email requesting the new months statement but they wouldnt send it to me. They forwarded the old one in an odd format. I requested the updated one again and told them I am concerned of a scam. They never responded. I realized that the company might have been jeopardized and its not them in control of their system anymore. They were calling me multiple times a day, emailing me the statement daily and sending texts. They have threatened to report late payment and Im really torn on what to do. I dont want anything to impact our credit (we have never been late to a payment) but yet I feel there is a scam going on. I would like confirmation that they are legitimate before I send another payment. Im hoping you can help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I still have not received the Statement that should have been issued on XXXX But still made a payment before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) with a late fee and then daily calls and emails with a sense of urgency, which is unusual. I havent missed any payments despite the late fee and failure of issuing proper statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a formal request to revise this statement and waive the late fee for the reason that all payments were made on time, each month, for the history of this account.  \n\nPayment XXXX XXXX XXXX XXXX. \nStatement due date of XXXX XXXX \n\nPayment XXXX XXXX XXXX XXXX. \nStatement was never received, which should have a due date of XXXX XXXX \n\nThis latest statement is due XXXX XXXX \nNo payment will be made until the late fee is waived and last months statement is received. \n\nI am formally requesting that all future communication be in writing only and to STOP calling my personal number and the business number regarding this account. This is my official notice under the Fair Debt Collection Practices Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was advised to file this claim. I have not heard back from them at all since I sent that email, which is really odd. No emails, texts or calls. I would appreciate direction on whether I should make a payment or not, hopefully BEFORE the due date.'

Company response to consumer: Closed with explanation