So I recently closed my bank account on 2 illegal Tribal Lenders. 1 I am currently negotiating repayment of the principal with but the other, Blue Pine Lending, I have overpaid by almost $300. I sent them an email ( using the sample letter found here on the forums ) and all they have done so far is send an automated response to my email about how to check the status of my account online so far ( logged in and it still shows open and current with remaining balance of almost $1688 on a $400 principal loan ).
They called at least one of my references so far this morning and so now I definitely want to file a complaint with the FTC, and wanted some help.
Attaching screenshot of the complaint form - do I put that I originally initiated contact with the company because I took out the loan and base all dates and agent info based on that, or should I fill out based on when the calls to my references started, who called them, and that they are intitiating contact?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.