Debt collection -- Took or threatened to take negative or legal action -- Complaint #17875058
Complaint Overview
Complaint ID: 17875058
Company: Paid In Full, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Arizona
ZIP Code: 85295
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I work as a nurse in an XXXX XXXX XXXX Department in XXXX Az XXXX, and management kept asking me to take a full-time position between XX/XX/XXXX2023 and XX/XX/XXXX 2024. They then offered me a bonus for in exchange for a XXXX-month commitment. Terms were negotiated and I took the {$10000.00} bonus. The company did not fulfil their end of the contract and due to the stressful and not fulfilling their end of the terms that were negotiated, I requested to be returned to an oncall position. After the status change, XXXX reached out XX/XX/XXXX times requesting re-payment. I explained that I would like to negotiate the repayment given the fact that others in the same predicament had been able to negotiate or completely forgive the bonus. The XXXX collections person, XXXX XXXX, would not hear me out and continued to state that if I did not make a payment arrangement, they were going to send the debt to reflect on my credit. I attempted to speak to the ER director and sent emails requesting assistance. I did not get assitance from anyone and shortly after I received a letter dated XX/XX/XXXX from Paid in Full, Collection and Billing, XXXX XXXX XXXX, XXXX Az XXXX, XXXX. I reach out to my attorney, and he stated that Paid in Full is violating the following : " On XXXX XXXX behalf, and pursuant to the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq., we hereby notify you that he is disputing this debt in the aforesaid amount and demands written verification of the debt. Furthermore, XXXX XXXX disputes any addition of interest on this alleged debt and demands documentation of any agreement purporting to authorize such interest. '' A letter from my attorney was sent to Paid in Full, on XX/XX/XXXX, which I will attaching along with the responses that they issued. There has not been any judgment entered against me and no interest was ever agreed upon for repayment with neither XX/XX/XXXXor Paid in Full. Please feel free to reach out with any other questions. Thank you XXXX XXXX
Frequently Asked Questions
What is Complaint #17875058 about?
Complaint #17875058 was filed against Paid In Full, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
How did Paid In Full, INC. 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 Paid In Full, INC.?
Yes, visit the Paid In Full, INC. company profile at readthecomplaint.com/company/paid-in-full-inc 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.