ZENCO COLLECTION, LLC Debt Collection Complaint

Credit card Cont'd attempts collect debt not owed debt was discharged in bankruptcy

ZENCO COLLECTION, LLC Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was discharged in bankruptcy California

Hi, I was contacted by phone on -/-/- and was told by an agent of Zenco Collects ( - Texas ) that I owed in excess of $22000.00 as a result of a debt from a - credit card before -/-/-. He said that if I did n't pay they would file a -. He said he did n't have to send me written information and when I refused to accept this debt he said enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( - ) of dispute on -/-/- to the - - indicated on their website. I see the letter was not picked up and is being returned now. I sent - more letters today ( -/-/- ) - - - to their street address, a --only to their street address and - --only to the - - address. I informed them in the letter that all my debts were discharged by - - bankruptcy in -/-/-, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS - to the same end. Please help.

ZENCO COLLECTION, LLC customer in California
Oct 21, 2015

* Source: CFPB Complaint Database

ZENCO COLLECTION, LLC response to complaint:
Closed

Consumer disputes how ZENCO COLLECTION, LLC handled their complaint

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