4087243
|
2021-01-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
No
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
I do not know
|
Date Received |
2021-01-22
|
Submitted Via |
Web
|
Company Response |
Untimely response
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-01-22
|
Consumer Consent Provided |
Consent not provided
|
|
2797203
|
2018-01-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2018-01-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-02-05
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.
|
Consumer Consent Provided |
Consent provided
|
|
2344469
|
2017-02-15
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not disclosed as an attempt to collect
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-02-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-02-15
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Credit Protection Association used lies and deceit on several phone calls. Eveery agent did not recite the mini miranda. I was told by XXXX agent that thy do not accept settlements. Then i was offered XXXX. The next agent gave me a settlement figure and I told them I would raise the funds. XXXX XXXX stated that I did not respond within 24 hours and I have phone records to prove otherwise.
|
Consumer Consent Provided |
Consent provided
|
|
2203493
|
2016-11-10
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
No
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-11-10
|
Submitted Via |
Postal mail
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-12-22
|
Consumer Consent Provided |
N/A
|
|
2220962
|
2016-11-22
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-11-22
|
Submitted Via |
Postal mail
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-22
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
2105243
|
2016-09-10
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Contacted me after I asked not to
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-09-10
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-09-10
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
714931
|
2014-02-14
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt resulted from identity theft
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-02-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-02-14
|
Consumer Consent Provided |
N/A
|
|
1075248
|
2014-10-17
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-10-17
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-10-17
|
Consumer Consent Provided |
N/A
|
|
885432
|
2014-06-07
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-06-07
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-06-07
|
Consumer Consent Provided |
N/A
|
|
933826
|
2014-07-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-07-11
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-07-11
|
Consumer Consent Provided |
N/A
|
|
1351414
|
2015-04-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-04-28
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-04-28
|
Company Public Response |
Company chooses not to provide a public response
|
Complaint What Happened |
XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
|
Consumer Consent Provided |
Consent provided
|
|
1347129
|
2015-04-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-04-25
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-04-25
|
Company Public Response |
Company chooses not to provide a public response
|
Complaint What Happened |
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.
|
Consumer Consent Provided |
Consent provided
|
|
726361
|
2014-02-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-02-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-02-25
|
Consumer Consent Provided |
N/A
|
|
1787606
|
2016-02-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-02-15
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-02-15
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
|
Consumer Consent Provided |
Consent provided
|
|
607874
|
2013-11-21
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2013-11-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2013-11-21
|
Consumer Consent Provided |
N/A
|
|
534402
|
2013-09-19
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
No
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2013-09-19
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-09-20
|
Consumer Consent Provided |
N/A
|
|
631508
|
2013-12-12
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2013-12-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-12-12
|
Consumer Consent Provided |
N/A
|
|
641543
|
2013-12-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2013-12-21
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-12-21
|
Consumer Consent Provided |
N/A
|
|
579717
|
2013-10-31
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2013-10-31
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-10-31
|
Consumer Consent Provided |
N/A
|
|
620702
|
2013-12-04
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2013-12-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-12-04
|
Consumer Consent Provided |
N/A
|
|
2412256
|
2017-03-30
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-03-30
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-14
|
Consumer Consent Provided |
N/A
|
|
2848509
|
2018-03-20
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2018-03-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-03-20
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.
|
Consumer Consent Provided |
Consent provided
|
|
1104408
|
2014-11-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-11-06
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-11-06
|
Consumer Consent Provided |
N/A
|
|
924030
|
2014-07-04
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2014-07-04
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-07-04
|
Consumer Consent Provided |
N/A
|
|
2250605
|
2016-12-15
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-12-15
|
Submitted Via |
Postal mail
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-12-15
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
804995
|
2014-04-11
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2014-04-11
|
Submitted Via |
Postal mail
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-06-04
|
Consumer Consent Provided |
N/A
|
|
498095
|
2013-08-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2013-08-20
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-08-19
|
Consumer Consent Provided |
N/A
|
|
647224
|
2013-12-27
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2013-12-27
|
Submitted Via |
Web
|
Company Response |
Closed
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-12-30
|
Consumer Consent Provided |
N/A
|
|
4225067
|
2021-03-18
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
No
|
Company |
Credit Protection Association, L.P.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Old information reappears or never goes away
|
Sub Product |
Credit reporting
|
Date Received |
2021-03-18
|
Submitted Via |
Web
|
Company Response |
Untimely response
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-03-18
|
Consumer Consent Provided |
Consent not provided
|
|
2424507
|
2017-04-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
I do not know
|
Date Received |
2017-04-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-07
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
3489047
|
2020-01-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Credit Protection Association, L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2020-01-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-01-08
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|