Banco Bac Credomatic - abuses clients with illegal practices Panama Panama

They refused to provide a signed contract to support their collections.
- They refused to respond to multiple dispute letters
- When they finally responded, they did not provide the requested information. It was a non-response.
- When an attorney was involved, they refused to respond to him in an appropriate or timely manner.
- When a formal complaint was filed with the Superintendency of Banks of Panama, they refused to respond to the SBP.
- They illegally charged compound interest
- They overcharged for a credit card renewal
- They ignored dispute letters and continued to charge compound interest.
- They refused to communicate or negotiate.
- Despite multiple dispute letters and demands to cease collection efforts until the dispute was resolved, they continued to harass me with phone calls from the collections department.
- They threatened legal action when it was clear I was not going to pay.

See supporting documents attached.

- Se negaron a presentar un contrato firmado para respaldar sus cobros.
- Se negaron a responder a múltiples cartas de disputa
- Cuando finalmente respondieron, no proporcionaron la información solicitada. Fue una falta de respuesta.
- Cuando intervino un abogado, se negaron a responderle de manera adecuada u oportuna.
- Cuando se presentó una queja formal ante la Superintendencia de Bancos de Panamá, se negaron a responderle a la SBP.
- Cobraron intereses compuestos ilegalmente
- Cobraron de más por la renovación de una tarjeta de crédito
- Ignoraron las cartas de disputa y continuaron cobrando intereses compuestos.
- Se negaron a comunicarse o negociar.
- A pesar de múltiples cartas de disputa y demandas para que cesara los esfuerzos de cobro hasta que se resolviera la disputa, continuaron acosándome con llamadas telefónicas del departamento de cobros.
- Amenazaron con acciones legales cuando estaba claro que no iba a pagar.

Ver documentos de respaldo adjuntos.