Debt collection -- Written notification about debt -- Complaint #4797879
Complaint Overview
Complaint ID: 4797879
Company: Amsher Collection Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: California
ZIP Code: 902XX
Date Received: 2021-10-11T12:00:00-05:00
Date Sent to Company: 2021-10-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am currently a XXXX XXXX customer and have been for several years with automatic payment on all activities. I have had nearly perfect credit for at least a decade. Recently on XX/XX/21 when trying to refinance my mortgage, I was notified by my broker that my credit score had dropped over 100 points. I learned that the cause of this was a {$120.00} internet bill from XXXX XXXX ( XXXX ). As a result I was unable to be qualified for a mortgage that would have saved me thousands of dollars each month for the next 30 years. To this day I have never received any notice of a debt owed either by postal mail, phone or email. That day, I immediately contacted XXXX and Amsher collection services to resolve the issue. The only information I was able to get from these companies was that the bill was from unreturned internet equipment. Both companies have denied requests for a credit mark deletion letter despite their error, despite XXXX receipt and proof of equipment rental return ( XXXX claims the debt is from unreturned equipment ). They have made it nearly impossible to resolve the issue as I have given them proof but the credit report marks are not being reversed. I immediately paid the fee out of desperation even though I am not at fault. Both companies have still refused deletion letters. I have been a loyal paying customer to XXXX for several years and yet this company couldnt appropriately notify me of a simple debt, despite having all of my contact information. This behavior in a large company is troubling to me as it is directly responsible for a negative effect on my finances and many other consumers over the long term. What is more troubling is that this behavior occurs regularly to other consumers and there is little recourse against XXXX.
Frequently Asked Questions
What is Complaint #4797879 about?
Complaint #4797879 was filed against Amsher Collection Services, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-10-11T12:00:00-05:00.
How did Amsher Collection Services, 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 Amsher Collection Services, INC.?
Yes, visit the Amsher Collection Services, INC. company profile at readthecomplaint.com/company/amsher-collection-services-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.