{"took":286,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16592983","_score":21.573088,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a complaint regarding MOHELA, who services my private student loans. \nSince repayment began, MOHELA has repeatedly refused to provide affordable or realistic repayment options, despite my ongoing financial hardship and serious medical circumstances ( including a XXXXXXXX XXXX and an upcoming XXXX XXXXXXXX ). \nI have reached out multiple times asking for affordable or income-based payment plans. Instead, MOHELA has : Sent misleading emails advertising affordable payment options, but then offered only plans that were well above my actual income. \nTold me their plans are step-up plans, meaning payments only increase over time, which is impossible for me given my financial and medical situation. \nAdvised that if I am paying on one loan, that same loan becomes ineligible for any reduced-rate or hardship program, effectively punishing me for trying to stay current. \nWhen operating under XXXX they Failed to make clear that interest would capitalize during deferments or reduced-payment periods unpaid interest was added to my principal, drastically inflating the total amount owed without my informed consent. \nIgnored my documentation of medical hardship and limited income. \nRefused to recognize a legitimate financial hardship after my car was stolen and I had to incur major unexpected expenses related to this. Their representatives stated that insurance should cover everything and dismissed the hardship entirely. \n\nThese practices have kept me trapped in debt and in poverty, despite my good-faith efforts to pay. The terms, capitalization practices, and payment options have been confusing and misleading, and MOHELAs representatives have been dismissive and unsympathetic to both medical and financial hardship. \n\nI have contacted MOHELA by phone and email many times and spoken to supervisors, but they have offered no meaningful assistance. My credit has been damaged, and my account balances have continued to rise because of unclear and unfair capitalization of interest.","date_sent_to_company":"2025-10-15T23:29:05.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"18020","tags":null,"has_narrative":true,"complaint_id":"16592983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-10-15T23:04:37.000Z","state":"PA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Since repayment began, MOHELA has repeatedly refused to provide <em>affordable</em> or realistic repayment options, despite my ongoing financial hardship and serious medical circumstances ( including a XXXXXXXX XXXX and an upcoming XXXX XXXXXXXX ). \nI have reached out multiple times asking for <em>affordable</em> or income-based <em>payment</em> plans. Instead, MOHELA has : Sent <em>misleading</em> <em>emails</em> <em>advertising</em> <em>affordable</em> <em>payment</em> options, but then offered only plans that were well above my actual income."]},"sort":[21.573088,"16592983"]},{"_index":"complaint-public-v1","_id":"2741530","_score":17.69181,"_source":{"product":"Student loan","complaint_what_happened":"I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. \n\nIm struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. \n\nMy student loans were not discharged or lowered and Im not in that same position. \n\nIts sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. \n\nI did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. \n\nXXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX","date_sent_to_company":"2017-11-29T11:37:25.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"212XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2741530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-11-29T11:18:45.000Z","state":"MD","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["My salary made it look like I could <em>afford</em> it but, with $ XXXX in student loans l, $ XXXX in cc, a car <em>payment</em>, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. \n\nI did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false <em>advertising</em>, <em>misleading</em> info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely."]},"sort":[17.69181,"2741530"]},{"_index":"complaint-public-v1","_id":"3059625","_score":15.066804,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I received a \" pre-qualified '' offer of credit for {$4900.00} with no prepayment penalty and a set monthly payment. Once I applied, I was \" Approved '', and then sent on an unending request for documents. I kept submitting documents over and over. I provided everything that was requested within hours- eventhough the offer promised \" Get your money as soon as tomorrow ''. \n\nOn Fri, XX/XX/XXXX, XXXX XXXX I received and email stating : The following additional information is required to complete the review of your loan application : 1 ) Bank statements for the past month, [ XXXX ], showing all transactions for 30 days. Please make sure your name, address, and the account number submitted on your application are visible on your bank statement and the entire document is legible. \n\n\n2 ) Voided Check. Please make sure your name, address, and the account number submitted on your application are visible on your check and the entire document is legible. \n\nI submitted the documents, noting that XXXX bank statements were not available until the end of the month, but submitted an account summary for all transactions so far in XXXX, and on Sat, XX/XX/XXXX, XXXX XXXX I received and email stating : This email confirms that you have successfully uploaded your documents. We will send you an email with our decision, usually within 2-3 business days. Please be advised that we will also email you should additional documents be required. \nThank you for choosing XXXX. \nPlease Note : This email is an automated notification that can not accept replies. Please do not reply to this message. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To my surprise, on Sun, XX/XX/XXXX, XXXX XXXX  I received an email stating that my application had expired : Our records indicate that you recently started an application for a loan with XXXX  XXXX. More information was requested from you to make a decision on your application. Unfortunately, we did not receive these documents and your application has expired. Regrettably, we are unable to give further consideration to this credit request. \n\nWe welcome you to submit a new application at XXXX XXXX XXXX We're happy to assist you with any questions. Reply to this message or email us directly at XXXX. If you'd like to speak with one of our friendly customer service agents, give us a call at ( XXXX ) XXXX. \nThanks again for choosing XXXX XXXX, where borrowing is understandable, fair and affordable. We look forward to serving you! \nSincerely, XXXX XXXX They clearly did not intend to consumate the loan, and are therefore guilty of false and misleading advertising. According to federal law, those creditors that send a mail piece that amounts to an advertisement or solicitation that is not backed by an intent to extend credit to all who receive it on the terms specified in the offer will potentially be liable for statutory damages lawsuits against creditors accused of sending credit solicitations that are not firm offers of credit as defined by the Fair Credit Reporting Act.","date_sent_to_company":"2018-11-02T19:38:23.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"94804","tags":null,"has_narrative":true,"complaint_id":"3059625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Applied Data Finance, LLC","date_received":"2018-10-29T18:57:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Reply to this message or <em>email</em> us directly at XXXX. If you'd like to speak with one of our friendly customer service agents, give us a call at ( XXXX ) XXXX. \nThanks again for choosing XXXX XXXX, where borrowing is understandable, fair and <em>affordable</em>. We look forward to serving you! \nSincerely, XXXX XXXX They clearly did not intend to consumate the loan, and are therefore guilty of false and <em>misleading</em> <em>advertising</em>."]},"sort":[15.066804,"3059625"]},{"_index":"complaint-public-v1","_id":"11949039","_score":13.165142,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against Credit Acceptance Corporation and XXXX XXXX NJ XXXX ( XXXX XXXX XXXX, XXXX, NJ XXXX ) regarding my auto loan for a 2014 XXXX XXXX XXXX. The dealership and lender engaged in deceptive and predatory lending practices, falsified my financial details, and misrepresented the loan terms. Due to fraudulent loan documentation, I am requesting a full deletion of this loan from my credit report and an immediate investigation into these deceptive practices. \n\nKey Issues with My Loan False Down Payment Reporting Possible Loan Fraud My Retail Installment Contract states that I paid a {$4300.00} down payment, but in reality, I only paid {$500.00}, as advertised on XXXX XXXX. ( I have proof ). \nThis false down payment reporting likely influenced the loan approval and increased the amount financed unfairly. \nIf XXXX XXXX believed I paid {$4300.00}, they over-financed the loan based on falsified records. \nThis is a clear violation of lending laws and constitutes fraudulent loan documentation. \nXXXX XXXX & Misrepresentation of Loan Terms I was surrounded by multiple salespeople who pressured me into signing the contract without fully disclosing the loan details. I was surrounded by a woman named XXXX, a man named XXXX and two of the owners. \nThey assured me that the loan was affordable and had a low interest rate, but my actual APR was 22.99 %. We didn't The total cost of the loan was {$43000.00}, which is more than double the actual value of the vehicle at the time of purchase. \nPredatory Loan Structure & Unaffordable Terms My weekly income was only {$400.00}, yet they approved me for a {$530.00} monthly payment, which was unaffordable. \nThe loan balance remains {$32000.00} despite years of payments, which suggests excessive interest accrual and predatory lending. \nThis violates CFPB regulations on fair and responsible lending. \nAllowed Me to Drive Off Without Proper Insurance ( Serious Negligence ) The dealership allowed me to take possession of the vehicle without insurance in my name, which is a serious consumer protection violation. \nIf I had been in an accident, I would have been financially liable without proper coverage. \nThis proves that the dealership was focused only on closing the deal and not following proper legal procedures. \nFailure to Disclose True Loan Costs ( TILA Violation ) The Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) requires lenders to clearly disclose the full cost of financing, which was not done properly in my case.\n\nThe dealership & Credit Acceptance failed to provide a full breakdown of finance charges before I signed the contract. \nI was not informed about the total cost of the loan, interest accumulation, or how my payments would be allocated. \nDeceptive & Misleading Advertising ( Proof Provided ) I have an email from the dealership ( Luxury Vehicles NJ ) stating that they approve loans based on income, not credit. \n\nThis confirms that they did not properly assess my financial ability to repay the loan, violating responsible lending practices. \n\nThey also advertised XXXX down and flexible down payment options, yet falsely reported {$4300.00} down on my contract. \nThis contradiction further proves deceptive lending practices.","date_sent_to_company":"2025-02-05T04:35:45.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"11949039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-02-05T04:21:18.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"High-pressure sales tactics"},"highlight":{"complaint_what_happened":["I was not informed about the total cost of the loan, interest accumulation, or how my <em>payments</em> would be allocated. \nDeceptive & <em>Misleading</em> <em>Advertising</em> ( Proof Provided ) I have an <em>email</em> from the dealership ( Luxury Vehicles NJ ) stating that they approve loans based on income, not credit. \n\nThis confirms that they did not properly assess my financial ability to repay the loan, violating responsible lending practices."]},"sort":[13.165142,"11949039"]},{"_index":"complaint-public-v1","_id":"5962240","_score":9.391457,"_source":{"product":"Mortgage","complaint_what_happened":"We were referred to Gateway Mortgage by our real estate agent since XXXX had already approved the builder of the home we were in contract to purchase with. \n\nI first spoke with XXXX XXXX on XX/XX/XXXX and he informed me of their one-time close construction to perm product. I was told that I would just need to do one initial closing and that the loan product was a 20 % down, 12-month construction loan that would convert into a permanent loan automatically at the end of the construction period. I was told that there was a second loan that came a long term rate lock that ran concurrently with the construction loan and came with an approximately {$5000.00} extended lock fee that got reimbursed when I modified to the second portion of the loan, I was told they take this fee to ensure I do not try to work with any other lenders during the construction period and that I would lose that fee if I switched lenders. I asked XXXX what would happen if construction ran behind the 12-month schedule and was informed that the loan would be extended typically in 3-month increments but that there would be an extension fee associated with any extensions. There were items in the loan documents that outlined the costs of extension so I had no reason to question what XXXX had told me. This information provided by XXXX was further confirmed by the marketing material advertising this product on Gateway Mortgage Websites. XXXX and XXXX underwriting were providing our construction contract that outlined a 8-12 month build project and signed a contract with the builder outlining the same timeframe. \n\nWe received our closing disclosure on XX/XX/XXXX which I sent back due to an error in the loan amount. It showed the wrong amount but the correct term of 30 years and a fixed rate of XXXX with the first 11 months being interest only and principal being applied to start in month XXXX. \n\nXX/XX/XXXX I received notification from XXXX XXXX that I had actually been approved to only put 10 % down so they were increasing my loan amount to approximately $ XXXX in order to reduce my cash to close. I agreed that this was ok and reviewed the closing disclosure which again stated 30 years and a fixed rate of 3.625 % with the first 11 months being interest only and principal being applied starting in month XXXX. \n\nXX/XX/XXXX I received an email from XXXX team that said the below Please find the attached final CD for your closing. The amount you need for closing is {$82000.00}, to wire the funds, you will need to contact the title company for them to give you the wiring instructions. Their information is below : Thanks, and let us know if you have any questions. Again this was the same disclosure I had signed that stated Closing Disclosure Stated I was receiving a 30-year loan with a Fixed 3.625 % interest rate that could not increase after closing. Since I was told this was a onetime close and I had a closing disclosure confirming had a 30-year fixed rate mortgage I had no reason for concern. \n\nOur loan closed the next day on XX/XX/XXXX At no point during the research of XXXX  materials for this product, discussion with loan officer, or during the closing process was I made aware that there was a risk of not get the locked interest rate, nor was their any mention of any risk of my payments nearly doubling. I was told that this was a XXXX time close loan that would modify at the end of the construction period. My construction to permanent change notification document states Rate for final modification is locked prior to closing the construction phase. Your end rate will be the same or lower, as your construction rate. When I received a closing disclosure that said I was receiving a 30 year loan with fixed rate that would not increase. I had no reason to question this because this is what I had been told from the beginning of the process. \n\nOn their website XXXX describes this loan as Perfect for homebuyers with good credit, stable job and income history, and are seeking to build their dream home with the flexibility of conventional financing combined with the cost savings and convenience of one loan closing. \n\nIn XXXX brochure they describe the modification process as below : MODIFICATION PROCESS : Although your builder has completed the project and has received the final draw, the modification process must be completed before you move into your new home. \nXXXX. Rate : You must lock your permanent interest rate. If you locked during construction, this step is complete. If you have not locked, please contact your Loan Originator to discuss your lock. Afterwards, your Loan Originator will inform our modification desk of your loans particulars. \nXXXX. Updating Credit Information : Depending on your XXXX and credit score, XXXX may require updated income and credit documentation to ensure the best rate possible. \nXXXX. Document Signing : Once your rate is locked, we will contact you to arrange a time for you to sign the modification documents. \nXXXX. Funds Due at Signing : Expenses due at modification may include the following : Construction interest due up to time of signing. Prepaid interest due on the permanent loan. Escrow setup ( property taxes, insurance, and mortgage insurance ). Any shortages in the inspection fees. Any unforeseen costs not paid from the initial closing. \n\n\n\n\nOn approximately XX/XX/XXXX. I was notified by the builder of my project that they were running approximately one month behind the estimated 12-month timeline due to issues with XXXX, a large fire in the area combined with supply chain issues on a couple of the materials needed for the home. My builder reached out to the loan administrator at Gateway Mortgage with the same information and was told on XX/XX/XXXX they are being fairly lenient because of Covid with extensions. She said when the loan is within about 30 days of expiring, the loan officer will send a letter asking if you need an extension. \n\nAfter receiving this information I reached out to my loan officer XXXX XXXX along with the other assistants involved in my initial loan transaction to notify them with as much notice as possible of the potential delay and to prepare for anything that would be needed for an extension. I did not receive any response from XXXX and still have not received any word from him as of today XX/XX/XXXX. \n\nOn XXXX I reached out to XXXX XXXX who sends my monthly statements because I still had not had any response from anyone at XXXX regarding an extension. At this point, I was provided with the information that XXXX XXXX was no longer with the company and that my new loan officer was XXXX XXXX. I immediately called the number that she provided and the phone was answered by an assistant of XXXX XXXX. At this point I was first informed that the permanent loan would only be extended up to 30 days. I asked him what happened if the rate expired and I was no longer able to qualify for the permanent loan. His response was that his advice is to make as much income as possible and wait to see what happens. I informed him that with only a couple of months left to convert the loan it was unlikely that I would be able to add enough income to offset an approximately {$18000.00} annual increase in payments based on current rates and approximately {$540000.00} over the life of the loan. I again asked him what options I had if I dont qualify for the new loan payments and was told that he would call me back. \n\nOn the afternoon of XX/XX/XXXX I still did not have a response from XXXX XXXX 's assistant so I sent an email requesting a call from XXXX to review my concerns and to prepare for what we needed to do to have a successful modification from the construction to perm loan. I received a call back from XXXX the same day but we were not able to connect until the next morning XX/XX/XXXX. \n\nOn XXXX I made contact with XXXX XXXX XXXX At this time I was first informed that my rate lock had already expired a few days earlier on XX/XX/XXXX. He expressed frustration with XXXX XXXX for doing this to dozens of borrowers where he locked the rate long before the loan actually closed causing the permanent loan to expire months before our construction loan without explaining that impact to the borrowers. This decision left us with a rate lock that expired before our estimated completion date of the build. According to XXXX this now requires us to get a new loan at current rates that we can not afford. At todays rates the new payment is approximately {$1600.00} per month higher or over 60 % higher than what we were quoted and under the impression was locked and fixed since we had closed our loan months before. All of XXXX ' promotional materials for this loan product stating that once you \" lock the rate this step was complete '' are completely false. I asked XXXX why I was not contacted prior to our rate lock expiring as we were told would happen 30 days prior by multiple people at XXXX and he stated that he is very busy with hundreds of files. I also asked XXXX if he or XXXX had ever informed me that he was my new loan officer to which he had no response. Had I been informed that I had a new loan officer I would not have lost several weeks trying to get a response from XXXX and would have had the opportunity to extend my lock the initial 30 days per XXXX policy. I again asked what options I have if I can not afford the new payment since I am now a couple of months away from having a {$620000.00} loan that needs to be paid off and XXXX is not willing to honor the rate for the modification I was given at closing on the XXXX close mortgage. I even restated that I was willing to pay the lock extension fees for the extensions which I was originally told I would incur. XXXX response was that he can not speak for the board at XXXX but that they would probably not want to foreclose. I again asked XXXX if there were any options to work together for a solution that was not foreclosure since I am willing and able to pay the amount originally locked and would have never taken the loan if I had known there was no option to extend due to COVID delays and he stated that there were not any other solutions and that it was not his fault my builder was running behind. He also stated that there are hundreds of people at XXXX in the same position as me. I asked him if that isnt there a problem with their practices if they have hundreds of people with no ability to repay the loans that XXXX generated. To Which he had no response. He lastly stated that if I have a problem with Gateways policies I can give the owner of XXXX, XXXX XXXX a call. XXXX told me that he was the head of XXXX for TN and there was no branch manager above himself that I could speak with. \n\n\nIn my opinion, there are many unfair and predatory practices involved in XXXX One Time Close Product that by XXXX XXXX 's own admission are harming hundreds of their consumers. \n\nXXXX. Admittedly they have a loan officer that was explaining the XXXX rate lock as running concurrently with the construction loan which it did not. They have documents in the loan package stating the rate for the modification will be the same or lower than the initial rate. Since other banks offer true onetime close loans the loan officer has an incentive to mislead the borrower into thinking that this is the same or very similar product. They also had my build contract showing a 12-month build, which was reviewed by the loan officer and I assume the underwriter and not one mention was made that I would not have the option to extend the rate to the projected length of the build. Essentially negating any benefit I would have gotten from choosing this product. \nXXXX. They blatantly disregarded any fiduciary duty or duty of care and fair dealings owed to me as a client of a closed loan with them. They avoided contact prior to the expiration of my rate lock. I attempted to make contact with my loan officer prior to the lock expiration and got no response. Not only that the new loan officer responsible for my file did not attempt to make me aware that he was my new contact. He also stated that he was the manager and was aware that this was a problem happening with many of XXXX XXXX 's files and still no communications. This shows an attempt at deception to allow the lock to expire so that they would not have to honor their commitment or their policy. \nXXXX. Their advertising materials blatantly mislead the borrower regarding the true facts and risks of this product. Nowhere does it state that it is possible for rates and payments to double at the end of 12 months or in my case at the end of 10 months. \nXXXX. In combination with misleading advertising and statements to send a closing disclosure that states a 30-year conventional fixed-rate loan in which the interest rate can not increase after closing and then 10 months after the closing inform me that that was not correct and that they can double that rate is false and misleading. \nXXXXThey have the borrowers in a very tough spot after closing the initial loan because XXXX. The builder has to be approved which takes time so finding an alternative that meets the criteria during the allotted time frame is not really a option if there are any issues with the builder. \nXXXXThey also have the borrowers in a pinch after closing because even though they supposedly closed both loans at the closing table if there are any delays in the timeline they are able to cancel and make more by denying the borrowers an extension and forcing them to take out a new loan at a higher rate causing a drastic increase in payment that they may not be able to afford. If the borrower does not qualify for the new rate then they have no ability to repay the construction portion of the loan making their one-time close loan not really a one-time close loan. \nXXXX. Multiple people within this institution use the fact that there are two different loans with two different terms to selectively and falsely answer questions from the consumer. For example, I asked multiple people, multiple times regarding extending my loan and was told that before during, and after closing my loan I would be contacted 30-60 days prior and given an option to extend at a cost. When it came down to it they are now telling me that is true but only on the construction portion of the loan. If a consumer asks a question about a one-time close and a lender chooses to only answer the question about one-half of that loan and not make mention that it does not apply to the other portion, that is dishonesty and deception. This is also a problem within the loan documents. Since there are essentially two different loans that supposedly close at the same time modify later there are a lot of documents involved in the closing. They blur the lines between those two loans to create confusion for the borrowers. There is a page in my note that outlines the cost and process of extension that matches what XXXX originally told me. When I point to that after the fact they again state well that it was only for the construction loan and now tell me that they do not need to honor that for the loan modification. \n\nI feel that XXXX Mortgage employed a multitude of deceptive and unfair tactics in generating this loan. When making the branch XXXX aware of the problem I was not offered a single solution other than wait and hope they choose not to foreclose. I feel that both my original and current loan officers were clearly not working in my best interest and breached the fiduciary responsibility that they had to me.","date_sent_to_company":"2022-09-08T22:29:29.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"92886","tags":null,"has_narrative":true,"complaint_id":"5962240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GATEWAY FIRST BANK","date_received":"2022-09-08T21:58:12.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Their <em>advertising</em> materials blatantly <em>mislead</em> the borrower regarding the true facts and risks of this product. Nowhere does it state that it is possible for rates and <em>payments</em> to double at the end of 12 months or in my case at the end of 10 months. \nXXXX."]},"sort":[9.391457,"5962240"]},{"_index":"complaint-public-v1","_id":"17506509","_score":5.8822727,"_source":{"product":"Debt collection","complaint_what_happened":"b'CFPB COMPLAINT - DEBT COLLECTION DISPUTE\\nDate: XX/XX/XXXX\\nComplainant: XXXX XXXX\\nCompany: XXXX XXXX XXXX\\nAddress: XXXX XXXX XXXX, XXXX, NJ XXXX\\nEmail: XXXX\\nComplaint Against:\\n1.\\tXXXXh XXXX XXXX XXXX (Original Creditor)\\n2.\\tDebt Collectors International, Inc. (Collection Agency)\\nClaim Number: XXXX\\nDisputed Amount: XXXX\\nAmount Already Paid: XXXX (for services not rendered)\\nLegitimate Amount Owed: XXXX\\n________________________________________\\nEXECUTIVE SUMMARY\\nI am filing this complaint against Debt Collectors International, Inc. and XXXX XXXX XXXX XXXX for attempting to collect XXXX for services that were not provided as contracted.\\nThe Situation:\\nXXXX XXXX XXXX had XXXX contracts with XXXX XXXX XXXX for white-label Meta advertising services (XXXX each, XXXX-month minimum):\\n\\tContract 1 (Company A): Services were being provided as agreed\\n\\tContract 2 (Company B): Services were NOT provided as contracted - THIS IS THE DISPUTE\\nFor Contract 2 (Company B - signed XX/XX/XXXX):\\n\\tXXXX: Only minimal CRM and XXXX XXXX setup completed\\n\\tXXXXXXXXXXXX: ZERO ongoing services provided despite my client being unable to provide necessary materials\\n\\tI immediately notified XXXX XXXX XXXX of the impossibility of providing services without client materials\\n\\tThey refused to pause billing or work with me in good faith\\n\\tThey continued charging XXXX/month while providing zero deliverables\\nMy Response:\\n\\tI paid XXXX (XXXX) for setup work\\n\\tI paid XXXX (XXXX) under protest\\n\\tIn XXXX, their material breach and bad faith was so severe that I terminated BOTH contracts - even Contract 1 which was working\\n\\tI did not use services for the final month(s) of either contract\\n\\tI made a clean break when they proved they would charge for impossible/non-performed services\\nCurrent Situation:\\n\\tXXXX XXXX XXXX sent account to collections\\n\\tDebt Collectors International demanding XXXX\\n\\t5-day threat of litigation\\n\\tHanging up when I tried to explain the dispute\\n\\tRefusing to validate debt or discuss legitimate issues\\nTotal Harm: XXXX already paid for minimal services + XXXX being demanded = XXXX for basic XXXX setup work only\\n________________________________________\\nDETAILED TIMELINE - CONTRACT 2 (COMPANY B)\\nContract Signed: XX/XX/XXXX\\nContract Details:\\n\\tService: XX/XX/XXXX (white-label)\\n\\tMonthly fee: XX/XX/XXXX\\n\\tTerm: XX/XX/XXXX-month minimum commitment\\n\\tDocument Ref: XX/XX/XXXX\\n\\tSigned via XX/XX/XXXX\\nServices Promised:\\n1.\\tBlueprint complete Ad Build in client\\'s ad account\\n2.\\tCreate offers that demand action\\n3.\\tCreate variations of ad copy\\n4.\\tCreate variations of images and videos\\n5.\\tCreate custom CRM with shared access\\n6.\\tSetup automated text & email campaigns\\n7.\\tMedia Buyers regularly optimize campaigns\\n8.\\tAccount managers regularly connect with clients\\n9.\\tReal-time reporting via XX/XX/XXXX\\nXX/XX/XXXX - Minimal Setup Only\\nWhat Was Provided:\\n\\tInitial CRM setup\\n\\tInitial XXXX XXXX account setup\\nWhat Was NOT Provided:\\n\\tNo ad campaigns created or launched\\n\\tNo offer strategy developed\\n\\tNo ad copy variations\\n\\tNo image/video creatives\\n\\tNo automated campaigns\\n\\tNo optimization work\\n\\tNo account management\\n\\tNo reporting\\nThe Problem: My client failed to provide necessary materials, information, and assets needed to run advertising campaigns. I immediately notified XXXX XXXX XXXX  that work could not proceed beyond basic setup without client materials.\\nPayment: XXXX charged and paid\\nXX/XX/XXXX - ZERO Services Provided\\nWhat Was Provided: NOTHING\\n\\tNo campaigns launched\\n\\tNo optimization\\n\\tNo account management\\n\\tNo reporting\\n\\tClient still hadn\\'t provided materials\\n\\tServices remained impossible to perform\\nMy Actions:\\n\\tNotified XXXX XXXX XXXX that client materials weren\\'t available\\n\\tInformed them work could not be performed\\n\\tRequested they pause billing or provide credit\\nTheir Response:\\n\\tContinued charging full XXXX/month\\n\\tProvided zero services\\n\\tRefused to adjust billing\\nPayment: XXXX charged and paid under protest\\nXX/XX/XXXX - Material Breach Leads to Termination\\nWhat Was Provided: NOTHING\\n\\tStill no campaigns\\n\\tStill no ongoing work\\n\\tStill no client materials\\n\\tStill zero services beyond XXXX setup\\nMy Actions:\\n\\tStopped automatic payment for Contract 2\\n\\tContacted XXXX XXXX XXXX to dispute charges\\n\\tRequested refund/credit for XXXX (zero services)\\n\\tRequested waiver of XXXX charge (zero services)\\n\\tDue to their material breach and bad faith, I terminated BOTH contracts\\n\\tStopped Contract 1 (Company A) even though it was working\\n\\tDid not use services for final month(s) of either contract\\nTheir Response:\\n\\tNo response to emails\\n\\tNo attempt to resolve\\n\\tSent account to collections\\nXXXX XXXX - Sent to Collections\\nContract Status:\\n\\tContract 2 expired: XX/XX/XXXX (XXXX months from signing)\\n\\tXXXX charges are completely outside contract term\\nCollection Activity:\\n\\tAccount sent to Debt Collectors International, Inc.\\n\\tAmount inflated to XXXX\\n\\tCollection letter receivedXX/XX/XXXX\\n\\tXX/XX/XXXX-day payment deadline with litigation threats\\n\\tRefused to discuss legitimate dispute\\n\\tHung up when I tried to explain\\n________________________________________\\nTHE CORE DISPUTE\\nWhat I\\'m Disputing:\\nContract 2 (Company B) charges for:\\n1.\\tXX/XX/XXXX (XXXX) - Zero services provided beyond XXXX  setup\\n2.\\tXX/XX/XXXX ($497) - Zero services provided beyond XXXX  setup\\n3.\\tXX/XX/XXXX (XXXX) - Partially/fully outside contract term + zero services\\n4.\\tXX/XX/XXXX (XX/XX/XXXX) - COMPLETELY outside contract term (unauthorized)\\n5.\\tPenalties/fees (approximately XXXX)\\nTotal Disputed: XXXX\\nWhat I Already Paid:\\nJXX/XX/XXXX: XXXX - Acknowledged some setup work completed XX/XX/XXXX: XXXX - Zero ongoing services provided\\nTotal Paid: XXXX for minimal XXXX  setup + nothing in XXXX\\nThe Fundamental Issues:\\n1. Services Could Not Be Performed\\n\\tContract required client materials to deliver services\\n\\tClient never provided necessary materials\\n\\tI notified them immediately\\n\\tPerformance was objectively impossible\\n\\tThey continued charging anyway\\n2. No Ongoing Services Delivered\\n\\tContract promised \"regularly optimize campaigns\" - Never happened\\n\\tContract promised \"regularly connect with clients\" - Never happened\\n\\tContract promised \"real-time reporting\" - Never happened\\n\\tOnly minimal XXXX setup was completed\\n\\tXXXX: Zero deliverables\\n3. Material Breach and Bad Faith\\n\\tI notified them services couldn\\'t proceed without client materials\\n\\tGood faith required them to pause billing or adjust charges\\n\\tThey refused and continued charging full fees\\n\\tThey ignored my dispute attempts\\n\\tThis material breach justified terminating entire business relationship\\n4. Contract Expired\\n\\tSigned: XX/XX/XXXX\\n\\tTerm: 3 months\\n\\tExpired: XX/XX/XXXX\\n\\tXXXXr charges are completely unauthorized\\n5. I Did Not Use Services I Didn\\'t Pay For\\n\\tWhen I stopped paying, I stopped using services\\n\\tI terminated both contracts\\n\\tI didn\\'t try to get free services\\n\\tI made clean break due to their breach\\n________________________________________\\nWHY THEIR ANTICIPATED DEFENSES FAIL\\nDefense: \"We tried to follow up and you said client wasn\\'t responding\"\\nMy Response: Yes, I notified them client materials weren\\'t available, which made performance IMPOSSIBLE. This should have triggered billing pause, not continued charges for zero work.\\nLegal Reality:\\n\\tImpossibility of Performance: When performance becomes impossible through no fault of either party, both are excused (Restatement 2d Contracts  261)\\n\\tSubstantial Performance Required: Being \"ready and willing\"  actually performing. Zero deliverables = zero performance\\n\\tDuty of Good Faith: When notified services couldn\\'t proceed, good faith required accommodation, not continued charging (Restatement 2d Contracts  205)\\n\\tNo Consideration: No value provided = no payment owed\\n\\tUnconscionability: Requiring XXXX for services that couldn\\'t be and weren\\'t performed is unconscionable\\nIndustry Standard: When clients can\\'t provide materials, reputable agencies:\\n\\tPause billing until materials received\\n\\tOffer reduced rates\\n\\tApply credits to future months\\n\\tWork collaboratively on solutions\\nXXXX XXXX XXXX  did none of this. They simply charged full fees while delivering nothing.\\nDefense: \"You signed a 3-month minimum contract\"\\nMy Response: 3-month minimum assumes the vendor will actually provide contracted services. They provided only minimal XXXX setup, then nothing.\\nLegal Reality:\\n\\tMaterial breach by one party excuses the other\\'s performance\\n\\tSubstantial performance is required to collect payment\\n\\tMinimal setup  substantial performance for ongoing service contract\\n\\tContract expired XX/XX/XXXX anyway\\nDefense: \"Contract says \\'no refunds\\'\"\\nMy Response: \"No refunds\" clauses are unenforceable when services aren\\'t provided. This is unjust enrichment.\\nLegal Reality:\\n\\tUnconscionable terms are void\\n\\tCourts don\\'t enforce terms that result in extreme one-sided benefit\\n\\tTaking money without providing value = unjust enrichment\\n\\t\"No refunds\" doesn\\'t shield non-performance\\n________________________________________\\nTERMINATION OF BOTH CONTRACTS\\nWhy I Stopped Everything\\nXXXX XXXX XXXX\\'s material breach and bad faith on Contract 2 was so severe that I lost all confidence in their business practices. Their conduct demonstrated:\\n\\tWillingness to charge for impossible services\\n\\tRefusal to work with customers in good faith\\n\\tIgnoring legitimate disputes\\n\\tPrioritizing revenue over fair dealing\\nI terminated both contracts, including Contract 1 which was performing, because:\\n1.\\tTheir breach on Contract 2 showed they couldn\\'t be trusted\\n2.\\tAnticipatory repudiation - their conduct indicated future non-performance\\n3.\\tI couldn\\'t continue business relationship with company acting in bad faith\\n4.\\tI did not use services I stopped paying for\\nThis demonstrates:\\n\\tSeverity of their breach (justified terminating even working contract)\\n\\tMy good faith (walked away from services I was receiving)\\n\\tConsistent action (didn\\'t cherry-pick disputes)\\n\\tPrincipled decision (sacrificed working relationship due to their wrongdoing)\\n________________________________________\\nCURRENT COLLECTION ACTIVITY VIOLATIONS\\nDebt Collectors International, Inc. - FDCPA Violations\\n1. False or Misleading Representations (15 U.S.C.  1692e)\\n\\tAttempting to collect XXXX for services not rendered\\n\\tClaiming I \"owe everything because I signed contract\" (ignores material breach doctrine)\\n\\tInflating debt without proper validation\\n\\tMisrepresenting amount owed\\n2. Failure to Validate Debt (15 U.S.C.  1692g)\\n\\tNo documentation provided showing services were rendered\\n\\tNo proof of deliverables for XXXX XXXXn\\tNo explanation of how debt increased to XXXX\\n\\tProceeding with collection threats without validation\\n3. Harassment (15 U.S.C.  1692d)\\n\\tUnreasonably short 5-day deadline before litigation threat\\n\\tHanging up when I attempted to explain legitimate dispute\\n\\tRefusing to engage with valid concerns\\n\\tThreatening litigation without proper debt validation\\n4. Unfair Practices (15 U.S.C.  1692f)\\n\\tAttempting to collect amount not authorized by contract (XXXX charges after expiration)\\n\\tAttempting to collect fees/penalties when original creditor breached\\n5. Communication in Violation of Request (if applicable)\\n\\tI will be requesting all communications be in writing only\\n\\tI am currently on medical bed rest outside the United States\\n\\tPhone calls exacerbate my medical condition\\n\\tAny phone contact after written request will violate 15 U.S.C.  1692c(c)\\n________________________________________\\nXXXX XXXX XXXX - VIOLATIONS\\n1. Breach of Contract\\n\\tFailed to provide \"regular optimization\" as promised\\n\\tFailed to provide \"regular account management\" as promised\\n\\tFailed to provide \"real-time reporting\" as promised\\n\\tProvided only minimal setup, then nothing for months\\n2. Unjust Enrichment\\n\\tCollected XXXX for minimal XXXX  setup + zero XXXX services\\n\\tDemanding XXXX  more for XXXX non-services\\n\\tTotal: XXXX for basic setup work only\\n\\tTaking money without providing value = unjust enrichment\\n3. Bad Faith / Unfair Business Practices\\n\\tContinued charging when services couldn\\'t be performed\\n\\tRefused to pause billing when notified of impossibility\\n\\tIgnored dispute resolution attempts\\n\\tSent to collections without addressing legitimate dispute\\n\\tViolated duty of good faith and fair dealing\\n4. Consumer Fraud (Potential)\\n\\tCharging for services not rendered\\n\\tRefusing to refund for non-performance\\n\\tUnconscionable contract enforcement\\n\\tMay violate NJ Consumer Fraud Act and FL Deceptive Trade Practices Act\\n________________________________________\\nHARM CAUSED\\nFinancial Harm\\n\\tXXXX already paid for services largely not rendered\\n\\tXXXX being demanded for impossible/non-performed services\\n\\tTotal exposure: XXXX for basic July setup only\\n\\tLost Contract 1 services due to their breach on Contract 2\\n\\tDevastating for small business during financial hardship\\nOperational Harm\\n\\tTime and resources diverted from business operations\\n\\tStress while on medical bed rest\\n\\tUnable to focus on business recovery\\n\\tThreat of litigation\\nEmotional Harm\\n\\tSignificant stress and anxiety\\n\\tExacerbated by being on medical bed rest\\n\\tCurrently outside United States, unable to address in person\\n\\tHarassment and intimidation tactics\\nCredit/Reputation Risk\\n\\tPotential negative credit reporting\\n\\tAppearance of non-payment despite legitimate dispute\\n\\tBusiness reputation at risk\\n________________________________________\\nMEDICAL HARDSHIP & SPECIAL CIRCUMSTANCES\\nCurrent Situation\\nI am currently on medical bed rest outside the United States. This creates several issues:\\nMedical Limitations:\\n\\tCannot handle stress of phone calls\\n\\tCannot travel to United States for any proceedings\\n\\tNeed all communications in writing via email\\n\\tPhone contact exacerbates medical condition\\nInternational Location:\\n\\tCurrently abroad for medical reasons\\n\\tCannot address this matter in person\\n\\tTime zone differences complicate phone communication\\n\\tMust handle everything remotely\\nRequest for Accommodations:\\n\\tAll communications via email only: XXXX\\n\\tExtended response times if needed due to medical condition\\n\\tRemote participation in any proceedings\\n\\tNo phone contact\\n________________________________________\\nFINANCIAL HARDSHIP\\nXXXX XXXX XXXX Current Financial Status\\nXXXX XXXX XXXX is experiencing severe financial hardship:\\nBusiness Situation:\\n\\tSignificant revenue decline\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX  for services not rendered\\n\\tAlready lost XXXX to XXXX XXXX XXXX\\n\\tLost Contract 1 services due to their breach\\nFinancial Impact:\\n\\tTotal claimed: XXXX (XXXX paid + XXXX demanded)\\n\\tThis represents significant portion of operating budget\\n\\tPayment would cause severe hardship\\n\\tMay force business closure\\nGood Faith:\\n\\tWe paid XXXX already despite minimal services\\n\\tWe\\'re not seeking to avoid legitimate debts\\n\\tWe\\'re refusing to pay for services that weren\\'t provided\\n\\tWe walked away from Contract 1 services we were receiving\\n\\tWe sacrificed working relationship due to principle\\nCannot Pay: Even if they win judgment, we cannot pay XXXX. This makes us effectively judgment-proof, making litigation pointless for them.\\n________________________________________\\nDOCUMENTATION AVAILABLE\\nI can provide the following supporting documents:\\n1.\\t Contract for Company B (PandaDoc Ref: XXXX, signed XX/XX/XXXX)\\n2.\\t Evidence of Contract 1 - Documentation showing we had two contracts, stopped both\\n3.\\t Email communications notifying NAA that client materials weren\\'t provided\\n4.\\t Email communications requesting halt or adjustment of billing\\n5.\\t Email communications attempting to resolve dispute\\n6.\\t Bank/credit card statements showing XXXX XXXX) and XXXX (XXXX) payments\\n7.\\t Collection letter from Debt Collectors International dated XX/XX/XXXX\\n8.\\t Proof of zero services provided: \\no\\tNo ad campaigns launched\\no\\tNo reporting provided\\no\\tNo optimization performed\\no\\tNo ongoing account management\\n9.\\t Documentation of terminating both contracts\\n10.\\t Evidence of not using services after stopping payment\\nCritical Point: XXXX XXXX XXXX cannot provide documentation of services rendered XXXX because no ongoing services were provided beyond minimal XXXX setup.\\n________________________________________\\nRESOLUTION REQUESTED\\nPrimary Request: Complete Waiver of XXXX\\nI am requesting:\\n1. Immediate Cessation of Collection Activity\\n\\tStop all collection attempts until proper investigation\\n\\tRemove 5-day litigation threat\\n\\tEngage in good faith discussion of legitimate dispute\\n2. Proper Debt Validation Required XXXX XXXX XXXX must provide proof of:\\n\\tServices rendered inXX/XX/XXXX (campaigns, optimization, management, reporting)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tServices rendered in XX/XX/XXXX (same)\\n\\tLegal basis for charges after contract expired (XX/XX/XXXX)\\n\\tAuthorization for charges when services were impossible to perform\\nWhen they cannot provide this proof (because services weren\\'t rendered), the debt must be waived.\\n3. Fair Resolution Based on Actual Services\\nXX/XX/XXXX (XX/XX/XXXX): Already paid - Some setup work completed\\nXX/XX/XXXX (XXXX): Already paid - Zero ongoing services provided (should be refunded but I\\'ll accept the loss)\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tZero ongoing services provided\\n\\tI notified them services couldn\\'t proceed\\n\\tGood faith required billing pause\\nXX/XX/XXXX (XXXX: Should be WAIVED\\n\\tContract expired XXXX 10\\n\\tZero ongoing services provided\\n\\tPartially/fully outside contract term\\nXX/XX/XXXX (XXXX): Should be WAIVED\\n\\tCOMPLETELY outside contract term\\n\\tZero services provided\\n\\tUnauthorized charge\\nPenalties/Fees (XXXX): Should be WAIVED\\n\\tThey materially breached first\\n\\tCannot penalize customer when vendor doesn\\'t perform\\n\\tUnconscionable when services weren\\'t provided\\nProposed Resolution:\\n\\tI keep the XXXX loss (considering it payment for XXXX  setup + tolerance)\\n\\tThey waive the entire XXXX collection amount\\n\\tNo credit reporting\\n\\tWritten agreement that matter is resolved\\n4. Alternative - Financial Hardship Accommodation\\nIf they insist on some payment despite non-performance:\\n\\tAcknowledge my severe financial hardship\\n\\tSubstantial reduction to reflect actual services (XXXX setup only)\\n\\tPayment plan if any amount deemed owed (XXXX/month maximum)\\n\\tWaiver of all penalties and collection fees\\n\\tNo credit reporting during or after resolution\\n5. Accommodations for Medical Situation\\n\\tAll communications via email only: XXXX\\n\\tNo phone contact\\n\\tExtended response times if needed\\n\\tRemote participation in any proceedings\\n\\tRecognition of international location and medical bed rest\\n6. Investigation of Unfair Practices Request CFPB investigate:\\n\\tXXXX XXXX XXXX\\'s practice of charging for impossible/non-performed services\\n\\tTheir \"no refunds\" policy even when services aren\\'t rendered\\n\\tTheir refusal to pause billing when notified of impossibility\\n\\tTheir bad faith refusal to engage in dispute resolution\\n\\tDebt collector\\'s FDCPA violations\\n\\tDebt collector\\'s refusal to properly validate debt\\n7. No Credit Reporting Prevent any negative credit reporting while dispute is investigated and resolved. This would devastate our struggling business.\\n________________________________________\\nSTATEMENT OF GOOD FAITH\\nXXXX XXXX XXXX has acted in good faith throughout:\\nWe Paid When Services Were Provided:\\n\\tXX/XX/XXXX: Paid XXXX for setup work\\n\\tXX/XX/XXXX: Paid XXXX despite zero ongoing services\\nWe Notified Immediately of Issues:\\n\\tInformed them client materials weren\\'t available\\n\\tExplained services couldn\\'t proceed without materials\\n\\tRequested billing adjustment or pause\\n\\tAttempted resolution before stopping payment\\nWe Acted Consistently and on Principle:\\n\\tStopped both contracts when their breach became clear\\n\\tTerminated even Contract 1 which was working\\n\\tDidn\\'t use services we stopped paying for\\n\\tSacrificed working relationship due to their bad faith\\n\\tMade clean break rather than continuing problematic relationship\\nWe\\'re Not Avoiding Legitimate Debts:\\n\\tWe paid XXXX already\\n\\tWe walked away from Contract 1 services\\n\\tWe\\'re refusing to pay for services that were objectively impossible to perform and weren\\'t performed\\n\\tThis is about their non-performance, not our dissatisfaction\\nWe Attempted Resolution:\\n\\tMultiple emails to XXXX XXXX XXXX\\n\\tNo responses received\\n\\tThey refused to engage\\n\\tSent to collections without addressing legitimate dispute\\nWe Have Financial Hardship:\\n\\tBusiness revenue declined significantly\\n\\tStruggling to maintain operations\\n\\tCannot afford XXXX for non-performed services\\n\\tAlready lost XXXX + Contract 1 services due to their breach\\nThis isn\\'t refusal to pay legitimate debts. This is refusal to pay for services that couldn\\'t be and weren\\'t provided, combined with severe financial hardship and their material breach and bad faith.\\n________________________________________\\nREQUESTED CFPB ACTION\\n1.\\tInvestigate Debt Collectors International, Inc. for multiple FDCPA violations\\n2.\\tInvestigate XXXX XXXX XXXX for unfair billing practices and potential consumer fraud\\n3.\\tRequire proper debt validation showing actual services rendered (which cannot be provided)\\n4.\\tFacilitate fair resolution based on actual services provided, not contracted minimums when services weren\\'t delivered\\n5.\\tPrevent litigation while dispute is investigated\\n6.\\tConsider my financial hardship and medical situation\\n7.\\tEnsure I\\'m not held liable for: \\no\\tOngoing monthly fees when ongoing services weren\\'t provided\\no\\tCharges after contract expired\\no\\tServices that were impossible to perform\\no\\tServices I didn\\'t use after terminating contracts\\n________________________________________\\nCONTACT INFORMATION\\nComplainant:\\nXXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXXXXXX\\nXXXX, NJ XXXX\\nEmail: XXXX\\nPhone: XXXX XXXX XXXX\\nIMPORTANT: I am currently on medical bed rest outside the United States. All communications must be via email only due to my medical condition.\\nCollection Agency:\\nDebt Collectors International, Inc.\\nXXXX XXXX XXXX XXXX XXXX  FL XXXX\\nPhone: XXXX\\nFax: XXXX\\nClaim #: XXXX\\nOriginal Creditor:\\nXXXX XXXX XXXX XXXX\\n2XXXX XXXX XXXX XXXX XXXX\\nXXXX XXXX XXXX, Florida XXXX\\nContact: XXXX\\n\\n\\n\\n________________________________________\\nDECLARATION\\nI declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.\\nI am providing complete transparency about my situation, including that I had two contracts with XXXX XXXX XXXX and terminated both due to their material breach and bad faith on Contract 2.\\n\\nDate: XX/XX/XXXX\\nName: XXXX XXXX\\nTitle: Founder, XXXX XXXX XXXX\\n\\nThis complaint is filed pursuant to my rights under the Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.), Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and in accordance with the Consumer Financial Protection Bureau\\'s complaint process.\\nI respectfully request the CFPB\\'s assistance in resolving this matter fairly, considering that services were not provided as contracted, I have severe financial hardship, and I am currently on medical bed rest outside the United States.'","date_sent_to_company":"2025-11-25T23:09:04.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"17506509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Collectors International, Inc.","date_received":"2025-11-25T23:00:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["\\t <em>Email</em> communications notifying NAA that client materials weren\\'t provided\\n4.\\t <em>Email</em> communications requesting halt or adjustment of billing\\n5.\\t <em>Email</em> communications attempting to resolve dispute\\n6.\\t Bank/credit card statements showing XXXX XXXX) and XXXX (XXXX) <em>payments</em>\\n7.\\t Collection letter from Debt Collectors International dated XX/XX/XXXX\\n8."]},"sort":[5.8822727,"17506509"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":2}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other 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