Complaint #1521003 submitted on 08/16/2015 relating to F.H. Cann & Associates, Inc.. Complaint relates to Debt collection Non-federal student loan - Disclosure verification of debt Not given enough info to verify debt.
Complaint was submitted via Web and sent to the company on Monday 17th August 2015.
Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt.
I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment.
I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time.
I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann.
I believe as a consumer I have the right to the disclosure of debt ; not provided.
I have a right to see where and to what and how such garnishments are being applied.
If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits?
If this is not illegal it most assuredly is poor business practice and poor customer communications.
Thank you
| Company | F.H. Cann & Associates, Inc. |
| Complaint ID | 1521003 |
| Date Received | 08/16/2015 |
| Product | Debt collection Non-federal student loan |
| Issue | Disclosure verification of debt Not given enough info to verify debt |
| State/ZIP Code | SC 296XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with non-monetary relief |
| Submitted | Web 08/17/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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