Debt collection -- Written notification about debt -- Complaint #15053173
Complaint Overview
Complaint ID: 15053173
Company: Credit Control, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: North Carolina
ZIP Code: 28277
Date Received: 2025-08-03T12:00:00-05:00
Date Sent to Company: 2025-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I called XXXX XXXX XXXX to make a payment towards the settlement that I made for XXXX XXXX XXXX. The first representative that I spoke with said that she specifically has called me multiple times to tell me that I have the month of XXXX and XXXX past due, and I never returned any of her calls. I asked her what number she called she gave my daughters phone number Not mine and she said that they never sent any return information but just called and left a voicemail I asked them why they did not send any return information. She did not answer. She said my contract has already expired and my account is charged off. I asked to speak with the manager and I recorded the call with the first representative and with the manager where I explained that the bank account belonged to my daughter, not mine and I dont have enough money to pay them so my daughter was paying and her checking account was close. Thats why their check bounced back and I didnt even know about the month of XXXX. I just called to make a payment for the month of XXXX right after that call within the next 24 hours. Ive received a letter saying that you are past due by XXXX they were trying to make it right because I pointed out the fact that I did not receive any type of communication whatsoever saying that my checks from my daughters account have bounced. I am filing this complaint because I am on Social Security. I agreed to pay a debt even though Im judgment proof and I do not have any type of income and I try to make a payment in good faith, but the XXXX XXXX XXXX in bad faith is trying to just discharge the account and disregard the payment that Ive already made for the past 6/7 months for XXXX and to start over so that they could charge me again as if I never paid them and I can not afford that so for the lack of proper communication and for the fact that I never waved my right to mail and physical documentation I need you guys to hold them accountable for charging off an account an account without giving me proper notice that it was bounced and I need my contract towards which Ive already paid XXXX to be reinstated. This is unfair and Im XXXX percent sure that the representative that said that she called me personally was lying I did not have any messages from them, and my daughter did not have any voicemails whatsoever from them. I have recorded the whole conversation with the company as proof.
Frequently Asked Questions
What is Complaint #15053173 about?
Complaint #15053173 was filed against Credit Control, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-08-03T12:00:00-05:00.
How did Credit Control, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Credit Control, LLC?
Yes, visit the Credit Control, LLC company profile at readthecomplaint.com/company/credit-control-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.