Credit Protection Association, L.P. Debt Collection Complaint

Other (i.e. phone, health club, etc.) Communication tactics frequent or repeated calls

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

Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Virgin Islands

During my absence from the territory ( from - to - upon retiring from civil service ), an individual i left as housesitter failed to pay the - bill registered in my name-the person moved out and never said anything. Unknown to me, the - Co had attempted to collect the monies owed and subsequently referred my name to the Credit Protection Ass'n, L.P. I was not aware of this situation until I returned to the territory after receiving medical care in the states on Wednesday - -, -. Upon learning about this situation, I contacted the agency - - in an effort to resolve this. I agreed to make an automatic payment of $740.00 as was required and received a confirmation # by the representative : Confirmation # : -. Subsequently I received another call from the same CPA representative that the payment had not processed. I immediately called my bank and was informed that they had in fact received the request for payment which had been approved but that they had -48 hours with which to process the payment. I shared this information with the CPA representative who spoke to his Supervisor and it was agreed they would

-, I received another call from CPA that the payment had not been processed and that I would have to give them the information again. I explained the Bank informed me the payment had been approved and that the merchant ( CPA ) would have to release the hold in order to receive the payment. This was explained to the CPA representative who then informed they did have problems with their system and had been unable to receive the payment. Nonetheless, they still needed my credit card information to reprocess the payment. At this point i decided to contact the local - - and informed them of my efforts to make restitution on the account. My case was referred to the Supervisor who was going to inquire into the situation with CPA. I received another call from CPA, this time from the representative 's Supervisor who explained they had not received the payment and that I would have to provide the same information to reprocess the amount owed as the CPA representatives do not keep the credit/debit card information shared by individuals on file. I questioned this as I did not want to make duplicate payments for - debt ; she explained that once the information was sent back to the Bank, they would only process - payment. I agreed to provide the information and received a confirmation number for this transaction : # -. I immediately contacted the bank to inform them of this situation. I was informed I would have to wait at least 7 days for the first debit to be canceled since CPA had submitted another request. I asked they make sure - payments are not processed, only -. My concern is that despite being told my situation would not be reported to the Credit Bureau, it was. I received an email from my ID CARE ( Identity Fraud Protection Program ) dated - -, that here had been a change in my credit information which turned out to be a debt report for the above-mentioned situation. I believe the communication from CPA was not true when I was informed my debt had not yet been sent to the Credit Bureau especially when i was trying to fix the problem. I am concerned about my credit rating situation.

Credit Protection Association, L.P. customer in Virgin Islands
Nov 08, 2016

* 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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