Debt collection -- Attempts to collect debt not owed -- Complaint #9385761
Complaint Overview
Complaint ID: 9385761
Company: Financial Credit Network INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 31313
Date Received: 2024-06-29T12:00:00-05:00
Date Sent to Company: 2024-06-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Financial Credit Network Inc. for Violations of FDCPA Dear Sir/Madam, I am writing to formally complain to Financial Credit Network Inc. , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Recently, I discovered that Financial Credit Network Inc. has placed me in collections for an amount of {$180.00}, which I have no knowledge of and never authorized. I have never conducted any business with Financial Credit Network Inc. nor given them any permission to act on my behalf in any financial matters. Therefore, I believe this action is a violation of my consumer rights as outlined under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Financial Credit Network Inc. has violated the following sections of the FDCPA : 15 U.S. Code 1692f ( 8 ) : Prohibits using unfair or unconscionable means to collect or attempt to collect any debt. The unauthorized and erroneous reporting of a debt falls under this violation. 15 U.S. Code 1692d ( 1 ) : Prohibits the use of any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The false reporting of this debt has caused me undue XXXX and XXXX. 15 U.S. Code 1692d ( 2 ) : Prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The intimidating and threatening nature of an unwarranted collection notice is abusive and unacceptable. This erroneous entry has negatively impacted my credit score and caused me significant XXXX Therefore, I am requesting the following actions to rectify this situation : An immediate investigation into this matter by Financial Credit Network Inc. Immediate removal of this erroneous collection account from my credit report. A written confirmation from Financial Credit Network Inc. and the credit reporting agencies that this collection account has been removed. I have already disputed this issue with the major credit reporting agencies and I am seeking the CFPB 's assistance in resolving this matter promptly and effectively. Also have contacted XXXX to help with this matter. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and ensure that Financial Credit Network Inc. corrects this mistake immediately. Thank you for your attention to this serious issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9385761 about?
Complaint #9385761 was filed against Financial Credit Network INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-06-29T12:00:00-05:00.
How did Financial Credit Network 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 Financial Credit Network INC?
Yes, visit the Financial Credit Network INC company profile at readthecomplaint.com/company/financial-credit-network-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.