Unfair Debt Collection & Failure to Resolve Dispute

I am extremely frustrated with the way PayJoy has mishandled my account and ignored their own processes, resulting in my profile being sent to a debt collector without due notice or proper communication.

I recently received an email from a representative named Nompumelelo, yet the phone number associated with this person belongs to a completely different company. This raises serious concerns about the legitimacy and transparency of the company.

I was never informed in advance that a PIN was required for the device in question. A PayJoy call center agent falsely claimed that I was contacted about this PIN submission—this is completely untrue. The first and only time I was informed of this issue was through a debt collector, despite having already received confirmation that my cancellation was being processed. It is completely unreasonable to request a PIN for a phone from two years ago, especially when I was never made aware of this requirement before the account was escalated.

I demand Payjoy to clear otherwise send a full recording of the conversation where I was allegedly informed about submitting a PIN, a detailed explanation of how PayJoy verified that the phone contains my Google account, given that it is locked.

This situation is completely unacceptable, and I will not allow my name to be wrongfully tarnished due to PayJoy’s internal failures. If this is not urgently rectified, I will escalate this matter to the Consumer Protection Authorities and the relevant Credit Bureaus.

I expect an immediate response and resolution.