Debt collection -- Attempts to collect debt not owed -- Complaint #6548320
Complaint Overview
Complaint ID: 6548320
Company: Aspen National Financial, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New Jersey
ZIP Code: 07052
Date Received: 2023-02-08T12:00:00-05:00
Date Sent to Company: 2023-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Aspen National Collections acquired my 2022 unpaid maintenance fees from Vacation Village a time share that I foolishly signed up for and only use used once maybe 15 years ago. The account representative XXXX XXXX set up a payment schedule to discharge the debt ( now much larger due to their fees ) where I would make 2 payments of {$500.00} in XXXX and XXXX, and XXXX final payment of {$200.00} in XXXX. This was done. Thinking this burden was behind me I was shocked to get another bill dated XX/XX/XXXX for XXXX. The letter stated that suitable arrangements had not been made, plus that I was responsible for interest that accrue day to day. I called immediately. They blamed a typo for the issue and stated that the original agreement was a mistake. They said they always manage collections in equal payments and any recollection on my part of the rep saying otherwise at the time he set up the schedule was wrong. They made no acknowledgement of any fault on their part and proceeded to threaten my credit and warned that the balance will only get bigger the longer I resisted payment. Aspen is bad at Accounting and unfaithful to their agreements. Their fees are predatory and they callously advise debtors to open credit cards to pay collection debt.
Frequently Asked Questions
What is Complaint #6548320 about?
Complaint #6548320 was filed against Aspen National Financial, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-02-08T12:00:00-05:00.
How did Aspen National Financial, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Aspen National Financial, INC.?
Yes, visit the Aspen National Financial, INC. company profile at readthecomplaint.com/company/aspen-national-financial-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.