Debt collection -- False statements or representation -- Complaint #7735466
Complaint Overview
Complaint ID: 7735466
Company: Pmt Solutions, LLC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Washington
ZIP Code: 98043
Date Received: 2023-10-20T12:00:00-05:00
Date Sent to Company: 2023-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been receiving calls from XXXX XXXX for some time now and eventually got around to contacting them in order to make a payment. They informed me that I had an XXXX XXXX XXXX account go to collections and that the total due was {$750.00}. Upon receiving this information my first initial thought was to just set up payments. When I went to do so, they informed me that for each monthly payment they will be charging an additional {$10.00} processing fee for online/pay-by-phone payments. This brought up a concern as I am familiar with the FDCPA as well as the Consumer Financial Protection Bureau. " Section XXXX08 ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA or Act ) prohibits debt collectors from collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The Consumer Financial Protection Bureau ( CFPB ) issues this advisory opinion to affirm that this provision prohibits debt collectors from collecting pay-to-pay or convenience fees, such as fees imposed for making a payment online or by phone, when those fees are not expressly authorized by the agreement creating the debt or expressly authorized by law. This advisory opinion also clarifies that a debt collector may also violate section 808 ( 1 ) when the debt collector collects pay-to-pay fees through a third-party payment processor. '' After speaking to a manager there, she told me that they are fully allowed to add this fee and could not provide me a legal reason that this was accurate on conjunction with the Section 808 ( 1 ) that contradicts her statements. I then told her I was going to research the issue before making any payments. After this occurred, it made me question if the actual amount they were attempting to collect was accurate as well. Upon reaching out to XXXX XXXX XXXX as well as referring to my account, it shows that the total amount they have past due is XXXX. With XXXX. Solutions looking to collect {$750.00}, there is a {$200.00} added amount that was not part of the original debt owed. For a solution, I would like for XXXX. Solutions to remove the added fees so that the account balance remains in the amount of {$540.00}. Additionally, per the attached document relating to the full Section XXXX ( XXXX ), I would like the ability to set up payments each month without the {$10.00} processing fee being charged.
Frequently Asked Questions
What is Complaint #7735466 about?
Complaint #7735466 was filed against Pmt Solutions, LLC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2023-10-20T12:00:00-05:00.
How did Pmt Solutions, LLC. 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 Pmt Solutions, LLC.?
Yes, visit the Pmt Solutions, LLC. company profile at readthecomplaint.com/company/pmt-solutions-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.