Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: IA

Complaint narrative:
I have a past due account with XXXX XXXX XXXX XXXX I tried to get out of the contract and cancel, but they make it impossible for members to cancel, so I stopped paying. I knew it would get sent to collections and waited for it. 

I did not receive any collection notices from XXXX XXXX and Credit Inter. I found out they were added to my credit report from XXXX XXXX. I tried to use their contact page to reach someone, but with every attempt, no one returned any inquiries. I have tried at least 3 weeks before finally being able to reach a representative through Live Chat. The representative was XXXX. 

I spoke to XXXX about the collection notice and why I haven't received anything, because I would like to resolve the debt. XXXX gave me several dates when email correspondence was provided through email. She provided an email address " XXXX, '' but I could find no record of this email address. When I tried to communicate that I received nothing from their company, XXXX told me, " I don't know what to tell you then. '' There was no attempt to assist me on the matter or provide accurate records or documentation. However, they had access to my records unbeknownst to me. 

The problem with XXXX is that the dates she gave me were falsified on purpose. She told me the first email attempt was sent in XXXX of XXXX. However, I first stopped paying in XXXX of 2024. I don't understand how a company could know about a debt that I was still paying until XXXX. I don't understand how Kingston could own an account they had no rights to before I received a final notice from XXXX XXXX In XXXX. XXXX XXXX XXXX XXXX sent me to collections in XXXX of 2024. 

Not to mention, they say I owe {$80.00} before I disputed the charge on XXXX XXXX ( attachment - collection amount highlighted- I apologize if that is not enough proof ). However, per the final payment notice from XXXX and access to my account, the total is {$79.00}. Even if you rounded that amount, it would still be {$79.00}, not {$80.00}. 

I received no email communication from Kingston Data and Credit about my debt. I checked every inch of my email address, and nothing was there from a " XXXX. '' They never sent any physical correspondence to my address. However, they still chose to add it to my collection file with no attempt to communicate with me. They never communicated with me. I had to make the first point of contact when I learned it was added to my credit report. XXXX refused to acknowledge the fault of this credit agency. 

I requested more information on Kingston and if they are a valid collection agency through XXXX XXXX. But they told me to contact Kingston for help on my account. How can I resolve a debt when neither XXXX XXXX nor XXXX is cooperative on the matter? Kingston failed their duty to provide a proper collection notice. In fact, I have still received nothing from Kingston after it was requested upon communication. When they confirm details about your identity, it almost feels like they are looking up a public record online rather than on a computer system.

Company response to consumer: Closed with explanation