Credit Bureau of Napa Debt Collection Complaint

Other (phone, health club, etc.) False statements or representation attempted to collect wrong amount

Credit Bureau of Napa Debt collection department,

Other (phone, health club, etc.) False statements or representation Attempted to collect wrong amount Pennsylvania

I agreed to have my checking acct debited for $50.00 which included a processing fee on -/-/2015.The representative told me to make that agreement so i can take advantage of a settlement offer of $290.00 instead of the actual total of $ -.i told the representative that i was on - and did n't receive any income as of yet.The representative urged me to setup the agreement and that she will call me back by -/-/15 in order to make sure that i would still be able to agree to the arrangement and to payoff the balance.I never received a call so i called - on -/-/15 to check the status. A different representative took my call and was n't very helpful, i was put on hold several times.i was calling to check the status and inquire about the missing phone call.i was told that the representative who assisted me -/-/- was n't available. i felt that this representative did n't know what she was doing and i told her i needed to give them a call back because my phone is now dying due to being on hold by her.It is -/-/15 i just called - in order to talk to the representative that i set up the agreement with and was told that she is no longer on my file and that she ca n't offer me the same agreement because i did n't call in, and that the $50.00 i let them debit from my account will go towards the full total of $ -.I told this rep that i was waiting for a call from - and that i would not have made an agreement on $490.00. i asked her if she can make an agreement on the original $290.00 minus $50.00 that i already payed. she told me she could n't do that. i felt that was unfair and deceptive and i told her that i was n't going to make and agreement on a higher amount. i hung up with her.

Credit Bureau of Napa customer in Pennsylvania
May 18, 2015

* Source: CFPB Complaint Database

Credit Bureau of Napa response to complaint:
Closed with explanation

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