Credit Protection Association, L.P. Debt Collection Complaint

Other (phone, health club, etc.) Cont'd attempts collect debt not owed debt was paid

Credit Protection Association, L.P. Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid District of Columbia

This complaint is a corollary of my complaint about -, case number : -. Even assuming I owed -, the last due date presented was - -, 2015. There was no default or delinquency present when Credit Protection Association began calling and mailing me, which was PRIOR to the due date of - -, 2015. Thus Credit Protection Association was attempting to collect a debt they had no legal right to collect and their conduct constitutes an illegal practice and harassment. Details follow below. On - -, 2015 I moved from - - attempted to transfer my service but was unable to do so, and so I cancelled all my services on - -, 2015. I called twice to verify that the cancellation had occurred and was effective as of - -. Because I had already paid for the entire month of -, I was due a refund of $21.00. I later discovered that - failed to disconnect all my services on - - as I asked, when I was subsequently billed for internet service which was not disconnected until - -, 2015. I received a bill dated - -, 2015 in the amount of $36.00 due - -. I

of $36.00. This bill had no due date, but instead said Due Now ''. I filed a complaint with -. They put me in contact with - 's Executive Customer Relations Department. On - -, 2015 I received a call from - - of -. He called to inform me that a credit of $36.00 had been applied to my account, and that I had a zero balance. On - -, 2015 I received a letter from a company called Credit Protection Association ( CPA ) dated - -, 2015 that said - had turned the account over to them for collection. I called - - on - -, 2015 to inquire about this letter, but my call was not returned. As far as I am able to determine, I - received a call from CPA on - -, 2015, the day my account was allegedly credited. I continued to receive phone calls from Credit Protection Association ( CPA ) until my check for $36.00 to - was cashed. I do n't know if this affair is the result of deception or just the workings of a large bureaucracy, but I am curious about the legality of - sending my account to a collections agency even though I had not defaulted, nor was I delinquent, and after I was told the balance was zero. On - -, 2015 I contacted - 's Executive Customer Relations Department to inquire about getting back my $36.00, however that call has not been returned. I have copies of every bill mentioned in this letter, as well as the voice mail from - - stating that I have a zero balance on - -, 2015. I also have the printout of a screen shot from - -, 2015 of another - representative informing me on - that a credit for $36.00 had been placed on my account and I had a zero balance. If this was deception, it sure worked, because after all this I 've all but given up on getting my original refund of $21.00, while - was able to extract $36.00 more from me all the while claiming I did n't owe them money! Note : I may be spelling - - 's name incorrectly, as I am guessing the spelling based on hearing him say it. He can be reached at -.

Credit Protection Association, L.P. customer in District of Columbia
May 30, 2015

* Source: CFPB Complaint Database

Credit Protection Association, L.P. response to complaint:
Closed with non-monetary relief

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Contact Credit Protection Association, L.P.
[email protected]
13355 Noel Road, 21st Floor
Dallas TX 75240

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