Debt collection -- Attempts to collect debt not owed -- Complaint #7700739
Complaint Overview
Complaint ID: 7700739
Company: Mnet Financial INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Oregon
ZIP Code: 97086
Date Received: 2023-10-15T12:00:00-05:00
Date Sent to Company: 2023-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023, I received a collection letter from MNET Financial LLC. In response, I promptly sent a verification letter via XXXX with certified mail on the same day. However, instead of providing the information requested, MNET Financial LLC sent a fabricated statement dated XX/XX/2023, containing generic information readily available on the internet. This statement did not verify my identity or validate the debt in question. MNET Financial LLC failed to fulfill the following obligations : 1. **Written Agreement : ** They did not provide a copy of the original written agreement that established my obligation to pay. 2. **Billing Statement : ** MNET Financial LLC did not supply the last billing statement from the original creditor. Instead, they created a fictitious one after receiving my verification of debt letter. 3. **Debt Acquisition Date : ** The date they acquired this debt from the original creditor was not disclosed. 4. **Debt Due Date and Delinquency : ** They did not specify when the creditor claimed the debt became due or when it became delinquent. XXXX. **Collection License : ** MNET Financial LLC did not confirm if they held a valid debt collection license in my state. They omitted providing the license date, number, issuing agency 's name, address, and contact number. XXXX. **Licensing Information : ** They refused to acknowledge whether they held a collection license in the jurisdiction they are operating.
Frequently Asked Questions
What is Complaint #7700739 about?
Complaint #7700739 was filed against Mnet Financial INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-10-15T12:00:00-05:00.
How did Mnet Financial 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 Mnet Financial INC?
Yes, visit the Mnet Financial INC company profile at readthecomplaint.com/company/mnet-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.