Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
This is the third complaint written against this company. The responses received from the bank are contradictory to their own statements and provide no clarity as to the validity of the repeated inaccurate information on my report. 
1- Bank has listed the account twice in the report, but cites in the response to the complaint it is only XXXX account and XXXX balance. 
2-Bank has failed to provide any evidence as to the balances cited other than a statement provided in the response in which there is no explanation of how the balance got there. 
2.a. An investigation was requested of the bank in XXXX, in which I asked them to reverse a {$600.00} erroneous debit from my account, yet I never received response. 
3. Bank claims they tried to contact me, but they had my updated information and I never received any notice, in fact, the statement produced for the response shows the old incorrect address. 
4. Violation of my right to detailed information of the balances and information on my report : Multiple Efforts have been conducted to obtained detailed explanations of the balances being made and nothing has been produced. In Fact, during XXXX XXXX, I even called the company and emailed requesting more information, and even provided an offer to pay an entire amount regardless of the legitimacy of this erroneous balance, so that it could be resolved, as it has been affecting my credit significantly, to which the bank replied they would n't accept that, but could not furnish any information pertaining to the entire detail of the account. The folks even told me they did not have information regarding the details prior to a certain date, and no one was able to address the root cause and resolution of the {$600.00} debit in my account. 
5. The bank has misrepresented information on my credit report by : -Listing account multiple times, when in fact, it assesses it is only XXXX item -Bank 's information, dates and timeliness are inaccurate, as evidenced even in the response received and the letter from the collection company who purchased their debt. 
-Bank continues to change dates of items in my report to perpetuate the issue. 
This bank 's practices are unethical and illegal, I have never received a single attempt from them to communicate with me, rather I have had to request information from them, to no avail. The bank has my address, email, and current phone number, as has been provided through my disputes and requests for information, but has failed to contact me. 
Furthermore, I showed good will to try to resolve even though I know the amounts are in error, in an effort to remove this and be over with it, but the bank ignored it. 
Due to all the inaccuracies listed above, and this bank 's failure to furnish any new information, I request this to be removed immediately. 

Attached you will find the inaccurate and incomplete information from the bank : 1 - Bank states last payment as XXXX separate dates in response 2- Bank states XXXX only account and cites the same issue, yet it has multiple listed 3- Bank misrepresents date of sale of debt on XXXX occasions. See evidence provided by the collection agency. 
4- Bank fails to provide information yet again 5-Correspondence between myself and the bank asking them to investigate transaction, and their lack of response, yet their response claims lack of knowledge of any investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation