Debt collection -- Attempts to collect debt not owed -- Complaint #18352874
Complaint Overview
Complaint ID: 18352874
Company: Equitable Acceptance CORP
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New Jersey
ZIP Code: 08820
Date Received: 2025-11-10T12:00:00-05:00
Date Sent to Company: 2025-12-29T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I paid Equitable {$180.00}, which they confirmed as the full amount owed at the time of my resignation. In XX/XX/year>, I received a new letter claiming I owed {$3900.00}, which I formally disputed in writing on XX/XX/XXXX. Despite my certified dispute and a follow-up letter on XX/XX/XXXX, Equitable has not responded to either letter and has continued collection activity without providing proper verification. On XX/XX/XXXX, they emailed me internal documents and a revised balance of {$2700.00}, including interest. I believe this violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting that all collection activity stop and that written confirmation be provided showing my account as paid in full.
Frequently Asked Questions
What is Complaint #18352874 about?
Complaint #18352874 was filed against Equitable Acceptance CORP regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-10T12:00:00-05:00.
How did Equitable Acceptance CORP respond to this complaint?
The company responded with: "Untimely response". The response was not 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 Equitable Acceptance CORP?
Yes, visit the Equitable Acceptance CORP company profile at readthecomplaint.com/company/equitable-acceptance-corp 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.