Debt collection -- False statements or representation -- Complaint #7948863
Complaint Overview
Complaint ID: 7948863
Company: Hollis Cobb Associates
Product: Debt collection
Sub-Product: Medical debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: New Hampshire
ZIP Code: 034XX
Date Received: 2023-12-04T12:00:00-05:00
Date Sent to Company: 2023-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In violation of 12 CFR 1006, this debt collector ( Hollis Cob Associates ) collected a pay-to-pay fee through a third party payment processor while not expressly authorized under state law nor expressly authorized by the agreement creating the debt ( XXXX XXXX XXXX XXXX XXXX XXXX I asked the debt collector if this was expressly authorized by the agreement creating the debt, and they stated that they dont have that information. The amount owed was {$90.00}, I was charged {$96.00}, of which {$6.00} was the pay-to-pay fee. I was forced to pay this fee to resolve the debt. I attempted to ask for the fee to be refunded, and they refused. I advised that I would submit the complaint if they did not agree to refund me, they ended the call. The Bureau of Consumer Financial Protection advisory opinion ( XXXX ) clearly reiterates that debt collectors are prohibited from collecting any amount including interest fee charge or expense incidental to the principal obligation, unless otherwise expressly authorized as stated above. I am attaching proof of the amount paid, the fee charged, the account paid in full, and the details of the account.
Frequently Asked Questions
What is Complaint #7948863 about?
Complaint #7948863 was filed against Hollis Cobb Associates regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2023-12-04T12:00:00-05:00.
How did Hollis Cobb Associates 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 Hollis Cobb Associates?
Yes, visit the Hollis Cobb Associates company profile at readthecomplaint.com/company/hollis-cobb-associates 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.