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cinnamngrl

original creditor vs collection agency- Comcast Xfinity

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I had an account with Comcast that closed. They referred the account to collections for $109. I was frustrated and disputed it for several reasons. I sent the validation letter to the CA, a dispute letter to Comcast and filed a complaint with MA dept of Telecommunication and Cable.

 

The CA immediately closed the account and notified me by mail.

A comcast rep called me. She acknowledged the dispute and sent me about 6 statements. (I asked for 24, as I didn't have access to my account anymore).

A Mass TAC specialist contacted me. She was great because she was honest with me. I disputed the regional sports fee, and 2nd DVR fee(never used 2) and subsequent late fees. She promised to make inquiries about my complaints.

 

2nd CA sent a letter. I sent a validation letter

I filed a complaint with CFPB

 

The Mass TAC suggested that i file a complaint with the FCC concerning negative option billing about the regional sports fees.

I file a complaint with FCC

2nd Comcast Rep contacted me. He left messages and emailed but I could never get him on the phone.

 

2nd Collection agency closed account and sent me a notice.

CFPB notified me that Xfinity/Comcast refused to mediate the dispute with them.

 

Comcast sent me an automated notice of account credit. They refunded the DVR rental fee. This was enough to cover the outstanding bill and return about 40 dollars.

FCC sent a notice that Comcast had responded and they were closing the case. I was supposed to receive a copy and I still haven't.

 

The MA TAC contacted me and said that along with the DVR fee, she had found about $13 worth of late fees that been charged earlier than proper. She had requested refund.

 

 

Is it legal for the original creditor to assign a case to collection agency while the case is being disputed?

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sounds like it was in collections before you disputed,

 

Regardless, OC"s are not covered by the FDCPA - no law broken, and the Dodd Frank Act doesn't cover service providers, only larger NA Banks, CA's and JDB's

 

if your Credit was Damaged by this false billing and credit reporting by a CA, you can file suit for Damages , but it's due to negligence account services and Cramming

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Was it sold to the CA or just assigned?

I believe it was only assigned but the only reply to my request for validation was immediate closing

 

 

Sent from my iPad using Tapatalk

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Was it sold to the CA or just assigned?

I believe it was only assigned but the only reply to my request for validation was immediate closing

 

That is not at all uncommon on assigned paper. The third-party with the placement just kicks the can back across the street for the OC to tend to the problem. In some instances, the consumer resolves it with the creditor and in other instances it will go BACK to a third-party, including (on occasion) the same one that originally had the contingency placement.

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