Debt collection -- Attempts to collect debt not owed -- Complaint #5012509
Complaint Overview
Complaint ID: 5012509
Company: Paradigm Assets, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33437
Date Received: 2021-12-15T12:00:00-05:00
Date Sent to Company: 2021-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
In XXXX of XXXX, I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was in XXXX when I closed my credit card account with a balance of zero. When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX of XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX. There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Frequently Asked Questions
What is Complaint #5012509 about?
Complaint #5012509 was filed against Paradigm Assets, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-15T12:00:00-05:00.
How did Paradigm Assets, LLC 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 Paradigm Assets, LLC?
Yes, visit the Paradigm Assets, LLC company profile at readthecomplaint.com/company/paradigm-assets-llc 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.