Debt collection -- Attempts to collect debt not owed -- Complaint #6217642
Complaint Overview
Complaint ID: 6217642
Company: Brown And Joseph, Ltd
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 19116
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sign up with XXXX XXXX XXXX back in XX/XX/XXXX. XXXX. I paid with credit card for a year in amount of {$460.00}. I was advised by representative I CAN cancel anytime. So next day I found something more suitable for me, so I cancel my policy on XX/XX/2022. XXXX told me they will send me a check in amount of {$410.00}, which they never did or at least I never received it. Also they withhold {$51.00} for canceling early. I was never told by representative about fees being involved. I did receive email with my policy and canceling policy, but after the fact and after I already submit the payment. I wish the representative would mentioned this before I mada a payment. I dispute the charge of {$51.00} with my credit card and after reviewing my credit card resolved the dispute and put a credit of {$51.00} on XX/XX/2022. Now XXXX demand {$460.00} by sending letters to me and calling me about paying them {$460.00}. I called on XX/XX/2022 and try to explain my situation. Then they told me XXXX send my info to debt collector. I received letter from debt collector Brown and Joseph, LLC on XX/XX/2022. I send email to debt collector on XX/XX/2022 but got no respond. I called them and try to explain, unfortunately only they were interested in my credit card information to pay a bill. They email me a bill with the balqnce of {$460.00}, but I own no debt to insurance company or debt collector. Instead I still waiting for my return for past 3 months, and continue to spending hours to resolve issue. Thank you
Frequently Asked Questions
What is Complaint #6217642 about?
Complaint #6217642 was filed against Brown And Joseph, Ltd regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-11-17T12:00:00-05:00.
How did Brown And Joseph, Ltd respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Brown And Joseph, Ltd?
Yes, visit the Brown And Joseph, Ltd company profile at readthecomplaint.com/company/brown-and-joseph-ltd 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.