i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent XXXX XXXX XXXX confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form

What the CFPB Record Shows About i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent XXXX XXXX XXXX confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form

i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent XXXX XXXX XXXX confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to In X, and the most recent logged activity is In XX/XX/X, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent XXXX XXXX XXXX confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "i noticed a delinquency record related to XXXX phone. I called XXXX customer service and they confirmed that its XXXX XXXX dealing with financing. I called XXXX XXXX Customer Service - there was no option to speak with customer service agent in their IVR option. I got hold of debt collection teams number", and the single most common underlying issue is "for the remaining they asked me to submit a dispute form. I was told that i need to submit/mail in a physical dispute form to reverse the late fees. I was hoping that problem will be solved so went ahead and submitted dispute form as well on XXXX XXXX XXXX through USPS certified mail to XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating i called them XX/XX/XXXX to enquire. Only debt collection team will speak to customer in XXXX XXXX their customers has no option to speak with customer service agent in the IVR ( XXXX ). I connected with a debt collection agent to find out that no communication was sent to me and they had already applied additional {$38.00} as late fee towards XXXX XXXX payment. XXXX XXXX debt collection agent XXXX XXXX XXXX confirmed that they can not reverse more than 1 late fee. I enquired if they received my dispute form: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.