Complaint #1619681 submitted on 10/22/2015 relating to ZENCO COLLECTION, LLC. Complaint relates to Debt collection Credit card - Cont'd attempts collect debt not owed Debt was discharged in bankruptcy.
Complaint was submitted via Web and sent to the company on Tuesday 3rd November 2015.
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Company | ZENCO COLLECTION, LLC |
Complaint ID | 1619681 |
Date Received | 10/22/2015 |
Product | Debt collection Credit card |
Issue | Cont'd attempts collect debt not owed Debt was discharged in bankruptcy |
State/ZIP Code | CA 941XX |
Consumer Consent | Consent provided |
Company Public Response | Company chooses not to provide a public response |
Company Response To Customer | Closed |
Submitted | Web 11/03/2015 |
Result | Timely Response: Yes, Consumer Disputed: Yes |
Leave your comments and feedback below.