Debt collection -- Written notification about debt -- Complaint #5199928
Complaint Overview
Complaint ID: 5199928
Company: Financial Accounts Service Team INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Louisiana
ZIP Code: 705XX
Date Received: 2022-02-08T12:00:00-05:00
Date Sent to Company: 2022-02-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.
Frequently Asked Questions
What is Complaint #5199928 about?
Complaint #5199928 was filed against Financial Accounts Service Team INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-02-08T12:00:00-05:00.
How did Financial Accounts Service Team 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 Financial Accounts Service Team INC.?
Yes, visit the Financial Accounts Service Team INC. company profile at readthecomplaint.com/company/financial-accounts-service-team-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.