Debt collection -- False statements or representation -- Complaint #4688593
Complaint Overview
Complaint ID: 4688593
Company: The Cmi Group, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75232
Date Received: 2021-09-02T12:00:00-05:00
Date Sent to Company: 2021-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX I contacted XXXX XXXX XXXX regarding credit card debt I owed. I was told by a collection representative to contact Credit Management , LP. at XXXX. I contacted Credit Management, L.P. and made payment arrangements. I was told I owed {$700.00}. The representative and I agreed with {$40.00} monthly. Starting XX/XX/XXXX through XX/XX/XXXX {$40.00} plus a {$5.00} software would be deducted from my bank account. Between XX/XX/XXXX - XX/XX/XXXX a total of {$320.00} plus {$35.00} ( software fee ) has been deducted from my account. In XXXX I made several attempts to contact Credit Management, L.P. regarding the balance but never got an answer. I contacted XXXX XXXX XXXX and was told that Credit Management, L.P. usually closes around XXXXXXXX XXXX. On XX/XX/XXXX I contacted Credit Management, L.P. regarding the balance. I was told my balance was now {$550.00}. I asked why was the balance so much if I paid {$320.00} on a {$700.00} balance? I was told by the Credit Management , L.P. representative that XXXX XXXX XXXX was still adding interest to the balance every month. I called XXXX XXXX XXXX and was told that wasnt true because the account was closed. I requested that Credit Management , LP. send me letter regarding the balance. On XX/XX/XXXX Credit Management, L.P. emailed me a letter stating : Original Amount Owed : {$680.00} Interest Fees ( if any ). {$190.00} Payments : - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}. XX/XX/XXXX ( their typo, not mine ) Current Amount Due : {$550.00} No mention of the other five payments that were deducted from my bank account. When I contacted Credit Management, L.P., on XX/XX/XXXX I was told that they no longer had my account and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was directly sent to a voicemail system. Something doesnt sound right about this situation. How can interest be applied to a closed account? This is XXXX XXXX me out. Address for Credit Management, L.P. XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX
Frequently Asked Questions
What is Complaint #4688593 about?
Complaint #4688593 was filed against The Cmi Group, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-09-02T12:00:00-05:00.
How did The Cmi Group, 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 The Cmi Group, INC.?
Yes, visit the The Cmi Group, INC. company profile at readthecomplaint.com/company/the-cmi-group-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.