Debt collection -- Attempts to collect debt not owed -- Complaint #4496659

Complaint Overview

Complaint ID: 4496659

Company: Capital Management Services, LP

Product: Debt collection

Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was paid

State: Pennsylvania

ZIP Code: 19087

Date Received: 2021-06-27T12:00:00-05:00

Date Sent to Company: 2021-07-12T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/XXXX Complaint and request : for assistance to reconcile an incorrect matter with Capital management services , LP Requesting specific letters and all correspondence previously sent to me in writing Hello, I am requesting assistance to have an old matter with original creditor XXXX resolved. Please note XXXX does not have current information and is ruining my credit worthiness due to improper recordkeeping. Please note, I am submitting a third and different complaint with reference to XXXX XXXX being with Capital Management Services , LP. On XX/XX/XXXX I submitted an original complaint and they responded with a letter. The letter was not thorough and did not include the information I requested to reflect the accounting and my credit worthiness accurately. Subsequently, On XX/XX/XXXX I submitted a second complaint, I also had previously included a copy of the letter they sent me on XX/XX/XXXX. I have included here their most recent response. My complaint was to have in writing how their accounting shows that I owe money when I paid all of my automatic payments for them over a six year period. They sent me statements from the years XXXX with irrelevant Information. I went into payment arrangements in XXXX. Furthermore the correspondence FROM XXXX dated XX/XX/XXXX states that my balance is {$00.00}. I am here by requesting that Capital Management Services sends me in writing : 1. All and any correspondence, that They claim in their letter dated XX/XX/XXXX, that they sent to me attempting to contact me from the date of my agreed last payment made in XX/XX/XXXX. I always paid my payments as agreed. The last payment came out in XX/XX/XXXX and I never heard from them again. Id like to see the letter they sent me that they said they sent me and where they sent it to. 2. A copy of the Dunning notice that was sent to me on XX/XX/XXXX. 3. A copy of any and all correspondence for any and all agreements made from XX/XX/XXXX, showing balances due and payment arrangements agreed to. Per their letter dated XX/XX/XXXX, I paid an initial {$600.00} over 12 months as agreed, and then set up the rest of the balance over 60 month period, with an amount of {$52.00}. And now they are claiming that I still owe them money after 72 payments. Why would we set up an arbitrary amount of {$52.00} over 60 months If that was not going to cover the entire balance and this was to come to a problem today. It makes no sense and I have no proof of what the original balance was in writing of my agreement to pay over 72 months. I only have an accounting spreadsheet showing how my payments came in. I would like the letter that they sent to me with my agreed amount that I will pay with a start date and the end date and the amounts to come out. 4. Stating that the account number XXXX, is closed, paid as agreed, in full, with a zero balance. I have paid this account off over two years ago as agreed and I have been harassed by XXXX XXXX and collection agencies, for money owed, and I have repeatedly disputed it and requested in writing confirmation and validation of when and how much I owe money for because I have bank statements showing all of my payments coming out. I have not received verification of what I requested. I have received documentation from collection agencies and from XXXX XXXX that do not reference or verify or prove that I owe money. Im requesting this is completely removed from my credit history. Thank you for your time, XXXX XXXX

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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