Debt collection -- Attempts to collect debt not owed -- Complaint #4682710
Complaint Overview
Complaint ID: 4682710
Company: Aspen National Financial, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: North Carolina
ZIP Code: 27616
Date Received: 2021-09-01T12:00:00-05:00
Date Sent to Company: 2021-09-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A collection agency named Aspen National Collections recently started reporting a {$1700.00} debt on my credit report from XXXX XXXX XXXX XXXX. I have repeatedly asked the collection agency why they did not contact me about this account before reporting it, but they told me that they don't have to. I am fairly certain that this is a violation of collection laws. If they had notified me first, I would have certainly disputed it. Because I do not have a debt owed to XXXX XXXX XXXX XXXX. Also, I've even gone as far as asking Aspen National to send me something that proves that I have a debt with XXXX XXXX XXXX XXXX, but they just dismiss me and say they don't have to do that either. The only response I've gotten from Aspen National reps about this transgression is that i should dispute the account at XXXX XXXX if I feel it is inaccurate. I have done that, but Aspen keeps telling XXXX XXXX that its legitimate. So I don't really see where that's helping the situation.
Frequently Asked Questions
What is Complaint #4682710 about?
Complaint #4682710 was filed against Aspen National Financial, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-01T12:00:00-05:00.
How did Aspen National Financial, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Aspen National Financial, INC.?
Yes, visit the Aspen National Financial, INC. company profile at readthecomplaint.com/company/aspen-national-financial-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.