,Consumer_complain_narrative,Issue_category
0,A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.,False Claim or Statement
1,This debt from the original creditor XXXX XXXX XXXX was deleted from my credit report XXXX last year. Now this new collection agency XXXX XXXX XXXX has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.,Debt Collection
2,"I have made a numerous attempts in trying to get Elan Financial Services to validate this debt that they say I owe {$15000.00} On XXXX I mailed a certified letter XXXX and on XX/XX/XXXX and certified mail XXXX I mailed a certified letter XXXX to Elan Financial services and I confirmed that both were signed for. I requested that they validate this debt that they say I owe and in validating this debt I am requesting competent evidence bearing my signature showing that I have or ever had some contractual agreement to pay. And asking them to comply with the FDCPA if they can not validate the debt then they must delete it. Well they have yet to validate this debt. On XX/XX/XXXX I contact XXXX certified mail XXXX sending them proof that I have disputed this debt with Elan Financial Services but they refuse to validate the debt or delete it. On XX/XX/XXXX I got the confirmation of the dispute from XXXX # XXXX and I noticed that not only did they not delete this debt that they can not verify but they violated the FDCPA by not marking it as "" disputed '' within 30 days as you will see on my the attached results. This violation is {$1000.00} in damages owed to me for this occurence",Debt Collection
3,"I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them. The attached documentation will clearly show that RGS is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use "" Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney XXXX XXXX .",False Claim or Statement
4,I previously disputed this debt with ICS SYSTEMS o n XXXX XXXX 2017 via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from XXXX and XXXX that this debt was DELETED! Now XXXX which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!,False Claim or Statement
5,"Financial Data continues to report a collec tion account from XXXX XXXX on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called Financial Data a nd spoke to a guy named XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.",False Claim or Statement
6,I previously disputed this debt with XXXX XXXX on XXXX XXXX via certified letter to the Credit Bureau and XXXX XXXX . I received the letters from XXXX and XXXX that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!,False Claim or Statement
7,"I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX",Debt Collection
8,Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.,Debt Collection
9,"I have received multiple phone calls from someone who calls himself "" XXXX XXXX '' with "" Direct Recovery Services '' at my place of work after XXXX XXXX has been informed that I am not able to take collection calls while at work.",Improper contact or sharing of info
10,"I had a verbal agreement with XXXX XXXX XXXX center prior to my XXXX XX/XX/2015 . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..",Debt Collection
11,"( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ), account number XXXX because the debt is not mine with the XXXX XXXX credit bureaus on XXXX , 2017 , XXXX , 2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.",False Claim or Statement
12,"Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information 3 weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex regarding my dispute. Should n't they have received all the documentation they needed before charging me with an unpaid debt and placing that on my credit report. The initial letter was dated XXXX / XXXX / 17 ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as XXXX / XXXX / 17 on my credit report.",Debt Collection
13,"I disputed the validity of two debts this agency is reporting on my credit reports. They sent me a copy of one alledged bill and not the other. The issue I have is that this bill is stating two addresses of one that I did not live at so in fact it is not valid. That address is n't on my report and I do take my credit very serious and hate to be denied due to false information. It 's not reporting any payments, when the last payment was, or anything that is verifiable or valid. It does n't report any data but is sitting on my reports. I have no outstanding bills from the address they claim this debt is from. All I asked is for this company to remove from my files.",False Claim or Statement
14,I did n't have a contract with XXXX ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.,False Claim or Statement
15,My credit report shows that I have a collection fr om Credit Management rep resenting XXXX XXXX XXXX . Account opened XXXX XXXX balance {$180.00} I have not had a cable service since XXXX .I m oved to California in XXXX XXXX . I just ordered cable service last month for the first time since XXXX . Not XXXX XXXX XXXX . My cable account was closed and paid in full over and cable box was turned in seven yea rs ago with XXXX XXXX XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used XXXX XXXX XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened XXXX XXXX . I cant have a debt from XXXX XXXX XXXX XXXX on report that is o ver seven years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.,False Claim or Statement
16,"Today, the president of my company held a conference with me, payroll and human resources regarding the attached document from Account Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax "" ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to XXXX XXXX and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a XXXX XXXX - something that has n't happened to me in over XXXX years. Because of this unannounced meeting with my company president, payroll and human resources, I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording "" GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to "" PAYROLL/GARNISHMENT ''. The fact that they 've used "" GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the XXXX Attorney General, Attorney General of XXXX and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the AG 's office and we 're waiting for a response. Based on the outcome of this and ot her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.",Improper contact or sharing of info
17,This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.,False Claim or Statement
18,They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.,Improper contact or sharing of info
19,We received a letter from Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from XXXX XXXX XXXX . We called XXXX XXXX XXXX cell service and XXXX XXXX XXXX XXXX XXXX and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something XXXX XXXX XXXX states we do not owe.,False Claim or Statement
20,I terminated myself from the sorority in XXXX due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost XXXX years now. I also received and email from the sorority in XXXX XXXX stating that I was no longer going to be charged after speaking to the finance department of greek life at XXXX .,False Claim or Statement
21,Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up,Improper contact or sharing of info
22,"Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.",False Claim or Statement
23,"My personal belongings and vehicle were stolen from XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for 7 mo . as this happened on XXXX , XXXX which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.",Debt Collection
24,"Recently I sent a letter to Central Financial Control asking them to validate a debt that was listed on my credit report. In response, I was sent some documents with my information typed in, with a signature and initial that is not mines. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPPA. When I contacted Central Financial Control about my findings, they confirmed that it was not my signature based on a copy of my Driver 's License they received from XXXX XXXX XXXX ( Original Creditor ). Also, with this proof, Central Financial Control refused to remove it from my credit report, stating that they have no way of doing so unless the account is paid in full. I then contacted XXXX XXXX XXXX about this debt and was told that they could not assist me because the debt in questioning was sent to collec tions ( Central Financial Control ). I feel that I am being treated unfairly as well as forced to pay a bill that I had no knowledge of and by pending someone else paperwork and signature of acknowledges on me.",False Claim or Statement
25,I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report,Debt Collection
26,"I entered a contract with XXXX XXXX XXXX onXX/XX/XXXX for a yearly amount of {$12000.00} or monthly payment of {$1000.00}. No services were rendered and it was a nightmare of an experience. I submitted my termination email on XX/XX/XXXX and XXXX XXXX ( Digital Sales Manager ) did not honor the request. Next thing I know, I start to receive collection notices in the amount of {$3200.00}. This has been going on for close to a year and a half ( today is XX/XX/XXXX ). Details below : My rep XXXX XXXX at the XXXX XXXX office ( XXXX XXXX, XXXX CA XXXX ) was my main point of contact. Prior to ourXX/XX/XXXX meeting, I specifically mentioned on XX/XX/XXXX in an email that I did not want to meet with her management team and solely focus on learning more about her and the service that XXXX had to offer. XX/XX/XXXX : meeting was informative and went well. However, XXXX XXXX did bring in XXXX XXXX ( Direct Marketing Manager ) despite me now wanting to meet with anyone else. XX/XX/XXXX : had a follow-up meeting with XXXX and XXXX. This time, I brought in my personal advisor. I signed a contract in which they said it would not be billed until the XXXX of the month. They apparently ran my credit card right away and it cleared on my XXXX XXXX on XX/XX/XXXX in the amount of {$1000.00} XX/XX/XXXX ( XXXX XXXX ) : confirmed with XXXX that I could do a conference call with her graphics team at XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ) : Emailed XXXX again to confirm my XXXX phone call with her graphics team. She emailed me back at XXXX XXXX saying she has n't received email confirmation from her team ( despite her setting this day/time up initially ) and that I would have to wait until I came back from my XXXX trip (XX/XX/XXXX ) ( XXXX XXXX ) Messaged XXXX saying [ first complaint ] that I was hoping to get my conference call in today. Requested for her marketing team to have a few mock-ups before I return onXX/XX/XXXX and provided them detailed information about designs for the mailers. ( XXXX XXXX ) XXXX said no problem and they would definitely work on this. XX/XX/XXXX ( XXXX XXXX ) : Emailed XXXX to confirm that I will have proofs to review by tomorrow at the latest so I can work on it this weekend and send it out first thing on Monday. ( XXXX XXXX ) XXXX says she sent an inquiry out and should know something by tomorrowXX/XX/XXXX ( XXXX XXXX ) : XXXX says the team should have something by Sunday,XX/XX/XXXX. XX/XX/XXXX ( XXXX XXXX ) : I let XXXX know that I did not hear back from the marketing team for our initial phone call on XX/XX/XXXX. I was not pleased to be back from my business trip on XX/XX/XXXX without anything to review and did not receive anything this weekend from the marketing team as promised [ 2nd complaint ] ( XXXX XXXX ) : XXXX acknowledges my email and says she 'll be in touch before the end of the day ( she did n't ). XX/XX/XXXX ( XXXX XXXX ) - XXXX attaches the initial design. I respond 5 minutes later with my [ 3rd complaint ] attaching the original specifications as requested to XXXX from XX/XX/XXXX because they basically copy/pasted my content with no design, creativity, or flow behind it. ( XXXX XXXX ) - XXXX acknowledges the error and says it will get fixed shortly ( XXXX XXXX ) - [ 4th complaint ] Mentioned to XXXX that I was seriously considering terminating my contract with XXXX. ( XXXX XXXX ) - XXXX "" aka XXXX XXXX '' ( Area Sales Manager ) respond with an email ( XXXX XXXX ) [ 5th complaint and final straw ] outlined the details with XXXX and told him how much time XXXX had wasted of mine ( XXXX XXXX ) XXXX apologizes in her own way XX/XX/XXXX ( XXXX XXXX ) - emailed written notice to XXXX to terminate contract ( XXXX XXXX ) Customer Care acknowledges termination notice XX/XX/XXXX ( XXXX XXXX ) Spoke to XXXX XXXX ( Media Consultant ) and told him I terminated the contract and to not work on the design or make any changes. XX/XX/XXXX ( XXXX XXXX ) : XXXX attached a spec of the flyer draft. XX/XX/XXXX ( XXXX XXXX ) XXXX denies my termination notice I avoid XXXX and the notices come!",False Claim or Statement
27,"I paid {$9000.00} out of a XXXX to "" settle '' a debt. They lied and said it was not settled because I owed {$9200.00}?! I would have given them {$9200.00}. At the time I paid the {$9000.00}! They say something different every time and I foolishly did not get something in writing 1st.",Debt Collection
28,"Received call form a unknown co. called XXXX on XXXX XXXX XXXX trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an XXXX XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them. XXXX XXXX rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co. had a Co Called XXXX XXXX . XXXX to do a soft cree credit check on me on XXXX XXXX from Florida. On same day form XXXX XXXX CA, Pacific Gredit Group also did a credit check as a credit review on me from the XXXX address at XXXX . XXXX XXXX XXXX XXXX . XXXX XXXX in XXXX XXXX .CA. XXXX The number online there is listed as XXXX as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a XXXX XXXX XXXX in XXXX XXXX , CA XXXX saying they are XXXX using a number registered to Pacific Credit Grp LLC, as XXXX They also sent a so called payment portal address to send any money to as XXXX",False Claim or Statement
29,"I woke up in a hospital on someday in XXXX . It 's XXXX and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time. The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me. Now it is too late for this bill to be ran through my insurance because the claim is too old.",False Claim or Statement
30,I DISPUTED THIS WITH XXXX CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO XXXX AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.,Debt Collection
31,"I lost my wallet many years ago! This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the XXXX bureaus. I am doing what I can to fix this problem that is not mine.",Debt Collection
32,"Progressive Management Systems collection agency reported to the XXXX credit bureaus that I have a debt to XXXX XXXX XXXX XXXX opened XXXX XXXX . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with XXXX XXXX and I would only go to XXXX XXXX for my medical needs. I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.",False Claim or Statement
33,"I had a collection beacuse I have not paid to XXXX XXXX and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter. That happened XXXX XXXX After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in XXXX XXXX , the collection company send me a paid off letter, however I do not need that letter from them. I want to buy a house and they do not provide me the letter from XXXX XXXX , which is my original company that I used to own money. I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so XXXX XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request. I see no reason for them to do so if I have paid off what they ask me .... What is the problem I have contact them at XXXX XXXX XXXX XXXX as many times as i can.. Almost four times a week.. They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time. Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me .... Help",Debt Collection
34,The original creditor is XXXX XXXX XXXX XXXX or they also go by XXXX . I have been making payments to XXXX XXXX collection agency since XXXX XXXX . Another collection agency reached out to me a few weeks ago saying they had my account from XXXX and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency. Now perfection collection has placed this debt in the amount of XXXX on my XXXX XXXX credit report and i can not possibly owe two different collection agencies two different amounts of money for the same original creditor. XXXX said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}. I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that XXXX was able to provide was that in XXXX the account was sent to XXXX XXXX XXXX XXXX ( XXXX ) and that in XXXX it was sent to XXXX ( XXXX ) I have tried calling these numbers and get nowhere. XXXX XXXX XXXX who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me. please let me know what my next step should be to get this resolved expeditiously.,Debt Collection
35,"I am purchasing a home & 30 days prior to closing, my credit is run again and an account with IC Systems appears as a new collection account opened in XXXX XXXX for {$530.00}. I called IC Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a home & this was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' & only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the "" this is an attempt to collect a debt ' line & how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my 3rd to IC Systems, they again give the "" this is an attempt to collect a debt ' line & how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate & they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered XXXX collection accounts on my credit report from XXXX - XXXX f rom the same creditor equaling the {$530.00} that had been removed in XXXX . I called IC Systems for th e 4th tim e and again get "" this is an attempt to collect a debt ' line & h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on XXXX & filed a complaint there. It said someone would contact me ... still waiting. I then called XXXX XXXX in hopes they would clear this up. The representative confirmed it was from XXXX but maybe it was sold or something to another collector. I asked that they change how they reported that & she said they could n't because it was sold ... wow! No help ... Truly & helplessly unreal!",Debt Collection
36,"As this department is fully aware I am a victim of identity theft. Several debt collectors have ceased their reporting of these fraudulent accounts. Kross, Lieberman and Stone is a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft. XXXX XXXX is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions. The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal debt.",Improper contact or sharing of info
37,They contacted my sister in law 's father attempting to reach me advising that I had an outstanding debt. His phone number and address has never been associated with my name or otherwise. I am not even sure how they were able to contact him. He asked multiple times for them to stop calling but they did not and kept calling for months. He finally was able to get the information to me and I was able to call them.,Improper contact or sharing of info
38,"XXXX XXXX XXXX XXXX has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name, XXXX XXXX XXXX XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.",Improper contact or sharing of info
39,"Atlantic Credit & Finance has be en calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name, Atlantic Credit & Finance, but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.",Improper contact or sharing of info
40,"My wife and I moved out of out of XXXX XXXX last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided XXXX with a copy of the receipt. My wife began communicating with XXXX XXXX via email to resolve the discrepancy, but XXXX stopped responding to our emails in XXXX . We received the move out XXXX final account ) statement on XXXX XXXX We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from XXXX XXXX stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit XXXX XXXX XXXX who assured us that XXXX would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from XXXX and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations, XXXX owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though XXXX would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.",Improper contact or sharing of info
41,collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge me.,Debt Collection
42,Whipple Law ou t of North Carolina is trying to collect on a debt that they state was charged off by XXXX XXXX XXXX XXXX XXXX XXXX I moved from XXXX to XXXX XXXX XXXX . They have no legal right to threaten me with a law suit based on XXXX 's six year St atute of limitation regardless of the type of debt. And XXXX has a statute o f four yea rs for all debts. I received the same letter from this law firm in XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.,Legal Issue
43,"They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said "" we 're not going to send you anything ''.",Improper contact or sharing of info
44,"they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.",Improper contact or sharing of info
45,"I have received countless calls from XXXX XXXX XXXX for a name ( ca n't understand them maybe its XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT",Improper contact or sharing of info
46,"Re case # XXXX & XXXX XXXX XXXX , XXXX XXXX XXXX and as of today XXXX I received a call from a collector representing the XXXX XXXX , the agency is Brett Borland Law Office. First the XXXX XXXX attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired XXXX XXXX XXXX to collect. I wrote several letters asking the XXXX credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the XXXX I reviewed it thoroughly. The discrepancies I discovered made me wonder if XXXX had really reviewed/verified/validated, or did they just want money?, I wrote and told XXXX that if XXXX claims they evicted me, why in my notes from the XXXX file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted. XXXX merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought? Then the XXXX claimed they got a court order from a judge and had a sheriff put me out. I asked XXXX months ago to produce the documents because they are making additional false statements and representations. I called XXXX XXXX Courts and no such record exists is what I was told. Also, The XXXX released me from my lease due a tenant breaking in my place. I have a document signed by a XXXX XXXX XXXX and the police report - both of which I submitted to XXXX several times, each time they claimed it was not legible after they scanned it in their system. I asked XXXX if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not. Now , XXXX I go t a call from the law offices of Brett Borland . The collector said they are collecting for their client the XXXX Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are XXXX agencies collecting for the same account. Just last week XXXX was the collector of record?",Debt Collection
47,Received payoff letter for loan with projected payoff date of X/X/17 and title company attempted to tender payment on X/X/17 but was rejected. Received new payoff letter increasing the payoff by {$2100.00} three days later! Requested explanation and was told they forgot to include {$1300.00} for work that their foreclosure attorney performed and {$750.00} for forced-place property insurance they forgot to include. ( Could not explain the other {$80.00} ).,Debt Collection
48,"I was trying to contact XXXX about an approval for repayment plan, I dialed the number on the invoice XXXX and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of XXXX student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition XXXX XXXX explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into XXXX loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling XXXX to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back",Debt Collection
49,"First Financial Mgmt is attempting to collect a debt from me that I do n't owe. I never established a contract with this agency at all. Obtainning documentation as a debt collection agency or third party vendor is not a contract or it does not legally bind me to pay this company any money, furthermore this agency is in complete violation of the FCRA law by placing a negative tradeline on to my credit reports",Debt Collection
50,"i sent letter of discovery to ic systems ( debtor ; XXXX which i have not used in years ) ( first reported XXXX ) to verify debt, and have had no response & gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all XXXX XXXX XXXX and XXXX disallowed with no information.",Follow Up Issue
51,I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.,Debt Collection
52,i just saw the debt pull up no inquiry i am unaware of XXXX college or the collection agency i filed a theft report this is not my debt,Debt Collection
53,"I am filing this complaint agai nst NCC and XXXX XXXX . I submitted a complaint against NCC an d Mountainside apartmments over year ago to which they responded but never actually resolved any of my issues. At this point I am now finally getting ready to sue as the account they are attempting to collect from me is illegal. I am also tired of having this damage my credit report when both NCC and XXXX XXXX have failed to fulfill their obligations as required by law. To bring you up to speed again on this whole situation, on XXXX of XXXX I reviewed my credit report and noticed that NCC had a collection on my report for {$1300.00}. I disputed the account with the credit bureaus on many occasions and the investigation results kept coming back as verified. After about 6 months I decided to take matters into my own hands. I hired a company to do some research for me on this account so I can figure out what the company was trying to charge me for. On XXXX XXXX XXXX , XXXX XXXX XXXX submitted a power of attorney to NCC. They claimed they never received it so it was re-sent on XXXX XXXX XXXX . NCC never contacted XXXX . so my representative had to call NCC on XXXX XXXX , XXXX to ask for itemization of the debt. They asked him to e-mail the request in. On the XXXX of XXXX XXXX . called to confirm receipt of itemization request and NCC told him they had n't received anything. XXXX submitted another request on the XXXX of XXXX and followed up on the XXXX . Again NCC cla aimed they had n't received anything ... XXXX submitted another request and warned against this foolish stall tactic and confirmed on multiple occasions the location or e-mail address of the request. Again he submitted a request and gave them XXXX hours or a complaint will be filed. NCC did not comply.. Finally a complaint was filed against NCC to you.Only once the complaint to you was filed on XXXX XXXX of XXXX did NCC finally had a manager s peak to my representatives and provide an itemization. The itemization was wrong. not only were the charges frivolous, the itemization and records of XXXX XXXX showed that errors over the history of the lease occurred on many occasions and I had to be reimbursed fees that they were overcharging me ... My representative reviewed the whole ledger and disputed the ledger with NCC On XXXX XXXX . He gave them 30 days to comply with F.D.C.P.A laws. 30 days passed and no response ... he tried calling again after 33 days and no answer or response to voicemails, same after 36, and finally after 40 days past the request for validation did they respond with a "" corrected itemization. '' It still had mistakes on it. Furthermore, they were trying to charge me for the remainder of a 60 day notice period or until premises were occupied per our written agreement. XXXX then attempted to contact NCC but the manager no longer responded to calls which was at this point typical of the agency. On XXXX XXXX XXXX finally called and spoke wit h Vice President XXXX and asked them to prove that the apartment was vacant for the remainder of the 60 day notice period. I had them ask this because I have family that resided close to the rental and they know that place was rented with in 2 weeks after I moved out. The president even said he would have an answer within 24 hours. That never happened. It was n't until XXXX XXXX that XXXX was able to get a hold of the vice president and that conversation went south fast. XXXX told me that NCC was just trying to bully me. As you can see, NCC is breaking multiple laws in trying to collect and credit report this from me and I am now finally ready to sue if this ca n't be resolved. Please look into this and their rogue collection tactics so that I can avoid myself time and money trying to fix something that should have been fixed in XXXX .",Debt Collection
54,Account was paid as agreed and was never late.,Debt Collection
55,"I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported debt.",Debt Collection
56,"As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached LAPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.",Debt Collection
57,i have XXXX insurances. they did not file to XXXX insurances,Improper contact or sharing of info
58,"I am totally XXXX . I have been totally XXXX since XXXX . I have been receiving social security XXXX since XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I provided this information to MOHELA when I went on XXXX XXXX XXXX . I was told that while there was no loan forgiveness for XXXX ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in XXXX and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in XXXX . Despite MOHELA knowing of the permanent XXXX and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently XXXX on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since XXXX .",Debt Collection
59,received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.,Debt Collection
60,"I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.",Debt Collection
61,This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I may be denied because of this and I need this removed from my credit report.,Debt Collection
62,"This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.",Debt Collection
63,This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from XXXX,Debt Collection
64,"The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX as a result of an Satellite dish that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX, however claiming that "" the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark.
I contacted XXXX on XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX on XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XX/XX/XXXX due to no representation provided by XXXX.
I was later contacted numerous times by Convergent Outsourcing ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus.
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the Office of Personnel Management, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by Convergent Outsourcing.
Later on XX/XX/XXXX, I received a separate notice from XXXX requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.",Follow Up Issue
65,"Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.",Legal Issue
66,"Submitted a BBB Complaint on XX/XX/2017 for Debt Validation to J.H. Portfolio Debt Equities LLC and was forwarded to the business the same day on XX/XX/2017. The company did not respond until XX/XX/2017 and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ), the company can not report my account to credit reporting agencies until the debt validation is provided. J.H. reported this account to XXXX and XXXX on XX/XX/2017. The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.",Improper contact or sharing of info
67,"Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance.
When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.",False Claim or Statement
68,"Will not give me a pay off letter, and every time I tried to pay what was on my credit report they would change the amount.",False Claim or Statement
69,I received a mail from a debt collector called Windham Professional ( Phone Number XXXX ). The mail says I had an unpaid debt with another company called XXXX. Which I have never used.,False Claim or Statement
70,"A company from the phone number of XXXX called my father without disclosing the name of the company, in attempt to collect a debt owed to XXXX XXXX . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.",Improper contact or sharing of info
71,"My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections.
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to "" Learn how to read my lease ''.",False Claim or Statement
72,"In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us "" verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!",False Claim or Statement
73,will not provide a itemized list of charges for my review debt is 41/2 yrs old,Legal Issue
74,Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.,Improper contact or sharing of info
75,"This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.",False Claim or Statement
76,"ON XX/XX/2017 MY DAD RECEIVED 11 CALLS ON HIS CELL PHONE WHILE AT WORK! HE RECORDED ALL CALLS.
FAILED TO VALIDATE AND IGNORED CEASE AND DESIST.
VIOLATORS OF THE DODD-FRANK ACT FDCPA 11 COUNTS OF T.C.P.A. INFACTIONS FCRA",Improper contact or sharing of info
77,"This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,",False Claim or Statement
78,"Claimed that I owe money from a debt from 2007, says they have mailed validation I have received nothing. Claims a judgement was filed against me and that I will be served us less I pay them today",Legal Issue
79,XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.,False Claim or Statement
80,"I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
81,"XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''",Legal Issue
82,"On XXXX I received a letter dated XXXX from Penn Credit Corp. on behalf of XXXX ( XXXX ). The {$160.00} amount due was for a service date of XXXX. I immediately called Penn Credit Corp. and told the rep I would be submitting a dispute letter, which I faxed on XXXX, because I felt it was an unfair practice to sent a bill that is approximately 11 years old. With my letter, I included a document showing the statute of limitations for PA is 4 years. On XXXX, I called Penn Credit to follow up on the status of my dispute and was told my account was placed on hold because XXXX sent me a copy of the bill. It appears that by placing the account on hold and sending me a bill instead of dismissing it, they are still expecting payment.",Legal Issue
83,"ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.",Legal Issue
84,I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.,False Claim or Statement
85,I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers credit report,False Claim or Statement
86,"I have repeatedly requested a "" pay-off '' statement from XXXX XXXX XXXX XXXX XXXX on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest. XXXX / Account # XXXX .",Follow Up Issue
87,"To Whom It May Concern : Approximately 4 months ago I noticed XXXX accounts listed on my credit. I advised the company who listed the accounts that the accounts are not mine and did not belong to me. I did this via letter sent USPS on two occasions both mailed correspondence included the partial account numbers and my Social Security number in order to allow the company to effectively identify the accounts. Even after sending the notice of dispute and C & D notice to the address the accounts remained on my credit. Additionally the Collection Agency continued listing the account without even notating the account that it was/is in dispute. I assumed after sending the letters in that they would be removed from my credit. I later applied for a loan which I was denied for on the spot. The loan officer sighted the XXXX recent collection accounts as the reason for the denial ( I had no other collections and or past due accounts on my credit at that time ). Once I was informed the accounts were still there I contacted your company via telephone upon doing so I was directed to leave a voicemail. I did so and my call was quickly returned as I threatened suit against your company. The woman who returned my call spoke in a manner that was extremely rude and condescending. In doing so she did advise these accounts were opened out of state by a woman. The accounts were not even in my name. She advised that she would request the accounts to be immediately removed but refused any further settlement to resolve the matter. This in itself was a violation of UDAAP, FCRA, CT Unfair Trade Practices Act and FDCPA. Your company knowingly and willfully continued reporting an account that was not my own without any investigation. I received no response to either dispute letter and was denied credit as a result of your companies negligence. Then when I afforded your company the opportunity to correct the injustice I was treated like I was garbage and talked down to as if I had no idea what I was talking about. I have consulted an attorney though I have not retained them on this matter as of yet. I have previously worked with the firm XXXX XXXX and that is why I consulted with them. XXXX XXXX advised this case would generally settle for roughly $ 10,000+ plus attorney 's fees and cost which would be paid by your company. I advised XXXX XXXX I was going to allow your company to freely correct this issue and settle this matter without going through the judicial process if your company was willing to which he advised against. In any event that is what I am willing to do to save from the lengthy drawn out process and extreme cost that would result for your offices.
I am willing to settle all claims against your company for a one-time payment of {$5000.00} to be paid within 14 Calendar days from the receipt of this complaint or XX/XX/2017 whichever comes first. Payment must be sent to my address listed above in exchange I would be willing to sign a "" Release Of All Claims '' to be drafted by your company and emailed to me at XXXXXXXXXXXX. Any contact to be made in reference to this complaint must be made by email or phone to XXXX. If your company opts not to settle this matter I will be forced to retain XXXX XXXX to handle this case and move forward with the Judicial Process.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX",Follow Up Issue
88,On XX/XX/2017 i paid the original creditor XXXX {$160.00}. On XX/XX/2017 American Medical Collection reported to all XXXX bureau as {$0.00} balance but showed that my high balance was {$160.00} which drop my credit score.,False Claim or Statement
89,"On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must "" appear '' in this case or the other side will win automatically. To "" appear '' you must file with the court a legal document called a "" motion '' or "" answer ''. The "" motion '' or "" answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.",False Claim or Statement
90,"This company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.",Improper contact or sharing of info
91,"XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.",False Claim or Statement
92,"Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.",Improper contact or sharing of info
93,"departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.",Legal Issue
94,"Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized",Follow Up Issue
95,"TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$690.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$690.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$690.00} AS FOLLOWS : {$50.00} ON THAT DATE AT THE TIME OF THE CALL PAID BY DEBIT CARD, {$320.00} TO BE PAID FROM MY DEBIT CARD ON XX/XX/XXXX AND FINAL PAYMENT TO PROCESS FROM MY DEBIT CARD FOR {$320.00} ON XX/XX/XXXX. THE PAYMENT FOR {$320.00} WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO PROCESS THE PAYMENT AS AGREED ON RECORDING, FOR THE FINAL PAYMENT ON XX/XX/XXXX FOR {$320.00}. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE XXXX MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, THAT A BALANCE IS STILL OWED FOR THIS ACCOUNT WITH A BALANCE OF {$1000.00}, I WAS TOLD THY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING ON A PREVIOUS OCCASSION TO PAY THE DEBT. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE LAST PAYMENT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CNT FIND A APARTMENT TO LIVE. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THYEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY RECEIVED A LETTER FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED W/IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE SENT A UPDATED BILL FOR THE BALANCE OF THE ACCOUNT AFTER THE PREVIOUS PAYMENTS CLEARED AND ALSO VALIDATION OF THE DEBT WITHIN 30 DAYS AFTER RECEIVING THE LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.",False Claim or Statement
96,"I received a call from XXXX ( XXXX ) on behalf of GS Holdings. XXXX told me that my mother had outstanding debt from a hospital visit from XX/XX/2010 that was sold to GS Holdings. XXXX said GS Holdings would take my mother to court is she did n't pay the debt. I requested proof. I was sent an email from XXXX which contained the last ( XXXX ) of her social, the name of the hospital she received care from in XX/XX/2010 and the "" original account '' number from the hospital. After some pressure applied from the XXXX agent ( said the court filing could be filed as early as the next day, in which case she would be taken to court ), I payed {$760.00}, after negotiating the price down from {$1300.00}. I received a receipt after the payment. Everything appeared in order. Several days later I called the hospital billing department. I spoke to the hospital representative and asked if there was archived account from the account number given to me by XXXX. Nothing. I then gave my mothers full name. Nothing. The hospital had no record of an outstanding debt. I called GS Holdings at XXXX. The person on the other end seemed surprised I called. There first question they asked after I called is who told you to call here. I told them that I was concerned about the charge and that I would like some sort of documentation that proved my mother was in fact in debt and they owned it. They provided nothing and only redirected me to there director of compliance who was not available. Ok. I left my name and number. The director of compliance, XXXX, called me back and had a very vague explanation for why my mother was charged. He stated that I had called the wrong people at the hospital and that I should call again for the info. At this point I told him that I was going to start a fraud dispute with my bank to dispute the charge. He immediately responded that refund the money. I called my bank and let them know. They told me to wait ( 15 ) days, as merchants have ( 15 ) days to refund the money after a dispute before they get involved. I 'm giving them ( 15 ) days. However, I feel that they should be investigated for suspicious activity.",Legal Issue
97,Company was notified I requested debt validation and still no response. Its inaccurate information that is unauthorized,Follow Up Issue
98,"My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.",Legal Issue
99,"Debt was disputed via email, all the proper documentation was provided explaining the incorrect debt. No response was given by the collector in the 30 day window.",Follow Up Issue
100,Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number XXXX.,Legal Issue
101,"A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.",Improper contact or sharing of info
102,"Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.",Follow Up Issue
103,This collection agency its collection burea in XXXX has been on my report many times different items .... i have been trying to clean up my report and get the late marks and the other bad marks off.my report. These.people have sent me forms and now they are stating they are marking their items as disputed. And that is another bad mark against my file ... .... i do not want them to damage my credit and my life. I do beleive they have changed the date when it was posted i have my old credit reports showing different.,Improper contact or sharing of info
104,"Performant Recovery , Inc., Financial consultant in XXXX, Oregon # ( XXXX, using name XXXX ).
Has called family members, friends and my employer. Aggressively stating they have important info to provide and that they obtained their ( my family and friends ) info from a some type of reference.",Improper contact or sharing of info
105,"I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
106,"I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
107,"To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me.
Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection.
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX.
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}.
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus.
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX.
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them.
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries.
Sincerely, XXXX",Improper contact or sharing of info
108,Ally Bank Collections called a distant relative that is elderly and left a very long detailed voice message with detailed information that I did not authorize being divulged. This was done as a phishing expedition and caused XXXX on the elderly individual.,Improper contact or sharing of info
109,XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files,False Claim or Statement
110,The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.,Improper contact or sharing of info
111,"I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
112,"I, the consumer, defined by 15 U.S. Code Section 1692a ( 3 ) as any natural person obligated or allegedly obligated to pay any debt.
15 U.S. Code Section 1692a ( 4 ) The term "" creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
15 U.S. Code Section 1692a ( 6 ) The term "" debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
15 U.S. Code Section 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Specific Violations : BANK OF AMERICA has violated 15 U.S. Code Section 1692c ( a ), I, the consumer did not authorize or give you prior consent to communicate with me, and there is no express permission of a court of competent jurisdiction.
BANK OF AMERICA violated 15 U.S. Code Section 1692c ( b ), as they communicated with other parties and individuals, namely XXXX.
BANK OF AMERICA violated 15 U.S. Code Section 1692c ( c ), I the consumer notified BANK OF AMERICA XX/XX/2013 to cease and desist all activity.
BANK OF AMERICA did an assignment that was recorded in the county recorder 's office in XX/XX/2013, causing a transfer of debt to a third party to claim, in violation of 15 U.S. Code Section 1692c ( b ). I did not give you my prior consent, or you did not have the express permission of a court of competent jurisdiction.",Improper contact or sharing of info
113,"I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
114,"I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
115,"On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.",Follow Up Issue
116,I have asked numerous times not to be contacted by XXXX and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.,Improper contact or sharing of info
117,on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # XXXX,Improper contact or sharing of info
118,I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
119,Called in XX/XX/2016 asking my parents where I was pretending to be an old friend I believe the caller 's name was XXXX or XXXX it is a debt I DO NOT OWE I told that to the first lady who called me back in XX/XX/2016 asked for verification and she could not provide any. Very frustrating dealing with underhanded tactics.,Improper contact or sharing of info
120,I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.,Improper contact or sharing of info
121,"My account was being paid in installments BEFORE it is negatively reported to the CRA 's. In the payment process, it was agreed that the payments be XXXX equal payments, the last being processed XX/XX/2017. I and my family have received repeated calls about the count between the payment processings and the most recent was to my mother with the representative stating that I gave THEM authorization to call her on my behalf and to ask for my contact information. This is incorrect and a flat out lie. She had no idea who they were and refused to give them my information. When I called and told them it was improper to do that, I was told they did not call her but have screenshots of her cell phone with their number listed.",Improper contact or sharing of info
122,"Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.",Improper contact or sharing of info
123,"I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS",Improper contact or sharing of info
124,"XXXX, XXXX Repeatedly calling friends, family and business after requested not to.",Improper contact or sharing of info
125,"I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.",Legal Issue
126,"After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization.
I had previously requested the following 3 from your collections services of XXXX which has never happened.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.",False Claim or Statement
127,"I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.
I am a victim of identity theft and noticed a collection from Central Final Control. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
128,I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recover in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
129,"Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a "" Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated "" We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.",Legal Issue
130,"I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, "" XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about "" serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?",Improper contact or sharing of info
131,"On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.",Improper contact or sharing of info
132,"I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.",Legal Issue
133,"notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response",Follow Up Issue
134,This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.,Improper contact or sharing of info
135,"Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.",Improper contact or sharing of info
136,I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
137,"I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you",Follow Up Issue
138,A third company party company gave me false and misleading information. They misrepresented my family size. They told me they would pay off my loans and they would no longer report on my credit history. Also they told me that their fee would not report on my credit. Which it is and is hurting my credit by showing as it is a credit card that is over maxed out.When I tried to discuss these issues with XXXX they directed me to the other XXXX ; I have multiple times tried to reach the company with no response.,Follow Up Issue
139,"This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!",Improper contact or sharing of info
140,I am a victim of identity theft and noticed a collection from Enhanced Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
141,"My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.",Debt Collection
142,"I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem.
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate?
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz",Debt Collection
143,"On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.",Debt Collection
144,"This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was XXXX.",Debt Collection
145,"I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company.
Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.",Debt Collection
146,"I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.",Debt Collection
147,I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.,Follow Up Issue
148,I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called XXXX.,Debt Collection
149,I understand that I have been reported to a collection agency for unpaid toll fines. I want to pay or settle the account. I 'm asking for the additional fees to be removed and that I am charged only for the original fee associated with the toll violation. I 've tried to call the collection agency but the hold times are in excess of 45minutes only to speak to someone that will not help resolve the balance. I do n't know how to move forward. Registration holds have been placed on my vehicles and this will only beget more fees. Can the bureau help me?,Legal Issue
150,"I XXXX in XX/XX/XXXX. when I check in to the hospital I XXXX to, I gave the hospital my insurance information. My insurance cover my stay and expense except for XXXX account. I notice an account on my credit a and I wan'st sure what It is was for, so I called and they did not know either until i finally spoke to a lady who told me that it was for my daughter XXXX. I told her that we had insurance. That is when I ask for the provider information. They would n't give me the information i had to google it. I called the medical office and the lady I spoke with said the hospital did not gave them my insurances information. that is so wrong because I gave them my information so my stay and everything include could be paid for. she said they send me a letter but I never received it because they sent it to the wrong address.",Improper contact or sharing of info
151,They violated the HIPPA I did not authorize XXXX authorization to disclose my medical condition to any one. This debt should be removed from my credit bureau 's immediately.,Improper contact or sharing of info
152,"This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.",Follow Up Issue
153,"This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.",Follow Up Issue
154,"I KEEP GETTING THREATENING LETTERS FROM A DEBT COLLECTOR, LAST YEAR THEY THREATENED TO PLACE A LIEN ON MY VEHICLE, THEN THAT SAME YEAR THEY CONTACTED ONE OF MY CREDITORS AND INQUIRED WHY WAS I GIVEN CREDIT THIS YEAR IN XX/XX/XXXX THEY HAVE TRIED TO FREEZE MY BANK ACCOUNT AND NOW THEY HAVE CONTACTED MY EXEMPLOYER ASKING FOR PERSONAL INFOMATION.. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX. I AM XXXX XXXX AND TAKING MEDICATIONS EVERYDAY TO BE ABLE TO MOVE AROUND..",Legal Issue
155,"This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.",Follow Up Issue
156,"The letters which were sent to the company were requests of HIPPA validation, I am requiring that the company XXXX provider HIPPA consent that stated I acknowledged and advised the hospital to send over my medical information to them company. I have yet to receive a response to any of my requests for XXXX validation. The continued requests have been documented and have yet to be acknowledged. Just two years ago in 2015 the lawsuit, ( XXXX versus Syndicated Office Systems XXXX Central Financial Control ) alleged that Central Financial Control had violated the Fair Debt Collection Practices Act when attempting to collect on consumer debts as well as Preventing consumers from exercising important debt collection rights. Failure to remove these collection accounts from my credit report will result in me opening another class action lawsuit against the XXXX for HIPPA violations, also well as the mishandling of my consumer credit reporting disputes. I have disputed these accounts multiple times with no acknowledgement of HIPPA validation to release my medication information. I will ask the court to refer to the previous lawsuit and see that the business practices have no changed of the company and they are n't following the criteria set forth for them. I will also ask for the company to incur all court costs as well as compensation for the case. I am requesting the accounts be removed from my credit reports within 30 days from this response.",Improper contact or sharing of info
157,"XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time.
XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX",Improper contact or sharing of info
158,"This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.",Debt Collection
159,"Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number.
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.",Improper contact or sharing of info
160,3rd Party collector is not licensed in Texas,Improper contact or sharing of info
161,"XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc",Improper contact or sharing of info
162,Got letter stating my account was purchased by Dynamic Recovery solutions from another hospital in violation of my hippa,Improper contact or sharing of info
163,"i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this "" debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.",Debt Collection
164,I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.,Improper contact or sharing of info
165,I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.,Debt Collection
166,I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC,Improper contact or sharing of info
167,"I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.",Debt Collection
168,They will not provide me proper documentation to of debt,Improper contact or sharing of info
169,"I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been over",Legal Issue
170,"Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired",Debt Collection
171,"Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.",Debt Collection
172,"Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response.
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX",Follow Up Issue
173,"Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.",Debt Collection
174,"Not only is the debt not mine, it 's not my husband 's either.
My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.",Follow Up Issue
175,Called my parents phone and discussed my debt with them. I had n't lived at my parent 's house in 20 years,Improper contact or sharing of info
176,"First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off.
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}.
That would leave the remanding balance of {$1800.00}.
This was pointed out to the collection agency. They said they would change it, but never did.",Debt Collection
177,"I contacted this "" law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The "" attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in XXXX.",Improper contact or sharing of info
178,"The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility.
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.",Debt Collection
179,"IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with "" F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.",Debt Collection
180,"XXXX XXXX hospital mailed a XXXX statement in XX/XX/XXXX or XX/XX/XXXX regarding an XXXX visit on XX/XX/XXXX. The statement did not itemize what the charges were for and since I had already paid several invoices from swedish covenant that were sent right after the XXXX visit, I requested a detailed invoice from XXXX. This was never provided, however the statements continued and so I felt pressure to just submit payment via my health savings debit card. This transaction paid the statement balance in full and the transaction was dated on XX/XX/XXXX in the amount of {$150.00}.
On XX/XX/XXXX, my account was sent to a collection agency. I was unaware as no further statements have been received. I only found out about this when I checked my credit score and found this as a derogatory remark against me.
As I prepared to dispute this charge, I reviewed the charges submitted to my health care provider XXXX. Not only has XXXX failed to provide myself the requested invoice, they never submitted an invoice to XXXX. For all I know, this charge I paid for was a double billed amount, an over billed amount or something that should be covered by XXXX.
I feel the actions taken by XXXX XXXX are in violation with fair credit reporting regulations. In addition, the collection agency has not contacted myself, however through the credit reporting they reflect I have not paid this balance.
This amount should have never been sent to a collection agency and possibly should never have been billed.",Debt Collection
181,I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.,Debt Collection
182,"This company sent me a letter in XX/XX/2017, informing me that they closed my account, and that they have instructed the credit Bureaus to remove it from my credit report. It was removed, and now the company have added it back to my credit report.",Debt Collection
183,"So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.",Debt Collection
184,"The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed "" collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.",Improper contact or sharing of info
185,I disputed this account and received corrspondence which was a violation of HIPPA Act.,Improper contact or sharing of info
186,"XXXX sent a charge to a debt collections agency instead of contacting me directly.
I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later.
XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.",Improper contact or sharing of info
187,"I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.",Debt Collection
188,This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family,Improper contact or sharing of info
189,"This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago.
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.",Follow Up Issue
190,Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.,Improper contact or sharing of info
191,"XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account.
At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other.
I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.",Improper contact or sharing of info
192,"In XX/XX/XXXX I received a collection notice from Consumer Protection Agency notifying me that there was a bill in my name that had been placed into collection. As I had never received an original bill, I immediately called all parties to inquire. The "" creditor '' known as XXXX did not have record of me when I called. I referenced the account number I was given by the credit agency as well as my full name. Still no record. I then sent a certified letter to Consumer Protection Agency requesting a copy of the original bill so I could investigate further. I never received a response. 3 years passed with no notices of any kind. Then in XX/XX/XXXX I received a letter from a different agency ( Credit Collection Services ) notifying me of the same "" debt. '' Seems the first agency may have sold the debt to the second agency. Again, I wrote a letter to CCS disputing the debt and requesting they provide me with a copy of the original bill. Again, no response. 2 years passed with no notices. In XX/XX/XXXX I received an alert from my credit bureau saying that a "" major derogatory '' had been placed in my credit file for same "" debt. '' I do not owe this debt.",Follow Up Issue
193,"Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.",Debt Collection
194,"BC Services is attempting to collect debt on medical bills that are supposed to paid for by medicaid. Not only that but XXXX bill was duplicated even though my son was only in the hospital for one day. The other medical debts they refuse to verify how much they bought the debt for are supposed to be paid by mediciad. Their "" attorney '' claims they ca n't send it to medicaid I owe the debt.They continue to threaten to sue me, garnish my wages and even seize my assets, even after explaining I am now unemployed.",Legal Issue
195,"I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them.
Please note, this complaint is against XXXX and not towards TCS Inc.",Improper contact or sharing of info
196,"Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.",Legal Issue
197,"Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.",Improper contact or sharing of info
198,"I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order.
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.",Debt Collection
199,"On XX/XX/XXXX I purchase a prepaid Visa NetSpend credit card at the corner Check Cashers close to my home after arriving back home I attempted to activate their credit card where I was placed on hold a number of times after 45 minutes a representative informed me that my card can not be activated due to a past due delinquent account with the same company "" net spend '' which they indicate {$1000.00} purchase at XXXX in XX/XX/2016 I have never had a card with this company not credit nor prepaid '' and I do n't understand how you can have a balance on a prepaid card also listed under their terms and conditions you must have a direct deposit set up on ur account '' to even be allowed to overdraft I 've. I 've never had the direct deposit anywhere ever '' paid in cash. I literally stayed on the phone with these people for two full days being placed on hold being hung up on twice being rerouted to other operators itwhomwas unfamiliar with the situation '' I demanded the release my money and activate the card however that did n't happen they just took my money {$180.00} and they 're only concern was to convince me to pay the remainder of the XXXX they said I owed they could not disclose to me the location or phone number or any contact information of this XXXX where they indicate I may day {$1000.00} purchase '' I do not owe this company I 've never had an account with this company. I have never had a direct deposit with any company '' they 're just trying to shut me out of my money also upon investigating on the internet n read how they are currently involved in a class a lawsuit filed back in XX/XX/2016 for basically the same scenarios stealing money from card purchasers the company reacted to me in a manner as if I was a thief and they were a victim when I was the victim all I know is this has been a nightmare I simply just need my money back that they took for no reason please help thank you for your time and consideration",Debt Collection
200,My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.,Debt Collection
201,I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting me.,Improper contact or sharing of info
202,I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PRO COLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
203,"I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
204,"I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking.
I am a victim of identity theft and noticed a collection from Stellar Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Stellar Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you",Follow Up Issue
205,Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.,Follow Up Issue
206,"my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!",Debt Collection
207,"American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.",Improper contact or sharing of info
208,"I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.",Improper contact or sharing of info
209,"I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.",Debt Collection
210,I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.,Improper contact or sharing of info
211,"I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.",Legal Issue
212,"A representative from IQ Data International formally known as Rent Collect Global by the name of XXXX called me regarding a debt, she immediately let me know that there was a judgement against me and that they were going to start garnishing my paycheck. I contacted my local court here in XXXX County Washington and they do not have a any public records file against me. I called XXXX back to let her know of my findings, she immediately turned aggressive, she said she would not provide me with any documentation regarding the judgement or my debt, I wanted to make payment arrangements and she did not allow me to. She talked over me during the whole phone call, I could barely get a word out, she kept threatening me and said "" you will see how good we will get you when your check gets garnished ''. She threatened to take legal action, she falsified taking legal action and she mistreated me.",Legal Issue
213,"No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.",Legal Issue
214,"The doctor 's office is attempting to collect for a missed appointment that was cancelled I spoke to both XXXX and XXXX about it and could not make the appt and it should have been cancelled or rescheduled and was not. XXXX XXXX XXXX is the doctor and I spoke to his staff before and after the appt on numerous occasions, before and after the appointment.",Debt Collection
215,"After comparing a credit report pulled for a mortgage with my XXXX XXXX account I noticed that there are XXXX different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.",Improper contact or sharing of info
216,"Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for.
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it!
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!",Debt Collection
217,"After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates.",Improper contact or sharing of info
218,The XXXX accounts are ten years old but the collection agency is re aging my accounts as if they have just been reported.,Debt Collection
219,"My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history.
I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.",Improper contact or sharing of info
220,"I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.",Debt Collection
221,I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.,Legal Issue
222,"Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.",Debt Collection
223,"I received a text from a friend that a debt collector, from Pioneer Credit Recovery Inc., XXXX at XXXX called him asking about me.",Improper contact or sharing of info
224,"I opened up a membership at XXXX and had my husband on the account also. I do n't go to the gym but he lives there, we were under the impression that every time he paid his bill mine was getting paid also. Apparently this was not the case. Only his membership was getting paid. He did end up taking about a month off working out in which time we moved. In XXXX when he was able to continue his workout routine he updated his billing information and asked how much he owed. This amounted to a little over XXXX we were both surprised and thankfull, I began to go to the Gym with my husband in XXXX. After about a week of going to the Gym everyday I found out from a rep at the converse location last friday XX/XX/2017 that my account was no good and that i owed a balance of XXXX I asked if our accounts are connected how the XXXX did the balance grow like that when he 's going to the gym all the time and my new card to the account in XXXX. He advized me that the account update should have updated mine also. He referred me to corporate to figure out why it did not and told me it was their mistake. He was very helpful and nice. Not the case with the corporate office. Oh and then I also got a call from a collection agency they placed my account in collections! I was livid that they would do so. When I called corporate on XX/XX/2017 and spoke to XXXX i was told that the last payment date on my husbands account was XX/XX/XXXX but they term'ed his membership on XX/XX/XXXX yesterday. What the XXXX you take my money and term his membership and that mine is pending termination. How can mine not be terminated already if it 's in collections!!!!!!!!!!!!! His was terminated for MINE being over 120 day 's past due. She told me that when an account is updated for an ADD-On it does n't transfer to the primary only does it automatically when done for the primary. This is opposite of what she had said earlier she also stated that our accounts were separated in XXXX but could not tell me why. I asked to speak to a supervisor. The suporvisor got on the line and confimred that add on does n't auto update the primary asked how there could be such a past due when he came in in XXXX said he wanted to pay his past due and they said he owed onbly a little. She said that when our accounts separated his past due stayed with mine so that made his billing when he updated in XXXX only for XXXX and XXXX that 's it. I asked how he was able to add MY card to HIS account if it was separated at that time. She said he should n't have been able to since it was my card. She asked if I wanted to update my billing info I asked how it would resolve she said my payment would auto process for the XXXX they claim I owe I said XXXX no. if anythign I should dispute the payments my husband made how can you say our accounts are separate now but say that you terminate his because of mine when he 's paying, how can you debit my card for his accoutn then cancel him XXXX days later? I asked for a manager she said she is one she offered to waive 3 10 dollar late fees. I laughed, you want to waive 30 in fees when i owe a balance that should already have been long since resolved if not for the misinformation provideed by mulitple employees for this company. She said in order to speak to someone higher than her I would have to submit the request in writing. total bull.",Debt Collection
225,"We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.",Debt Collection
226,"On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home.
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks.
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.",Legal Issue
227,"This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.",Improper contact or sharing of info
228,"XXXX XXXX from Atlantic Recovery Solutions has repeatedly contacted numerous members of my family. XXXX XXXX has left threatening and intimidating messages with not only myself, but with multiple members of my family on more than one occasion. XXXX XXXX has not disclosed the purpose of his call and only asserts that he is calling regarding a very "" time sensitive business matter. '' I have never received written verification from this company regarding any debts that they claim I owe to them.",Improper contact or sharing of info
229,"On XXXX I was contacted via cell phone. I had missed call, but the voicemail stated that it was in regards to a matter assoc. with my ssn. I called back and spoke to XXXX XXXX, who did not answer the phone with a company name. She took the reference number that was left on VM and said it was in regards to a loan we had through XXXX XXXX on a car that had been repossessed XX/XX/XXXX. I do not believe she EVER stated to me that this was an attempt to collect a debt. That we needed to pay or they were going to have our wages garnished, and our tax refund held. I immediately became defensive and told her it was XXXX, and she kept talking, and a heated argument continued briefly, before I just hung up. She called back from a XXXX ( local ) number and continued to argue with me, and I told her I would be speaking with an attorney. She said, that was fine, that she would talk to my spouse XXXX who was on the other line. My husband and I each had the XXXX, and when I got home from picking my kids up from school an argument between us continued over the issue. He did manage to tell me that the guy that he had spoken to said we must be doing well, as they had us at his parents address in XXXX. He stated that they did not have our current address ( of 10yrs now ) and thats why we had NEVER received anything other than this phone call from them. They never referenced any other calls made to us either. This is the FIRST attempt that I know of, and I was n't even given a company name on the voicemail ( which I have saved ) or when I called. XXXX XXXX answered the phone as just that ' "" XXXX XXXX ''.
I have contacted XXXX XXXX, and spoke with the collections department, and they stated they wrote the account off, and sold it to another company that shut down later, and that they had sold it yet again. The statue of limitations in Texas for Consumer Debt is 4yrs. As of XXXX, they have forwarded the information to the Manager of the department, and I should be contacted this next week on the matter. I also contacted an attorney who directed me to this site, and stated that their tactics were indeed sketchy at best.
I also found out during this time, that my husband gave them my bank account number.He is NOT on my account, and I have since BLOCKED anything through this company from being taken out of my account, and I am closing the account. They called us back on XXXX, and spoke to my husband, who informed them of me blocking any money from them to be debited from my account. They stated if the check did not clear, that they would turn us in for a hot check to the XXXX XXXX Sheriffs Department and have a warrant issued. I also faxed them a refusal of allowance on XXXX to take money out. Whatever my husband did with them, stated we had 3 days before the money was to come out to cancel via call or fax. My husband said the money was to come out on XXXX XXXX. They did give my husband, '' Zenco '' as the name of the company.
I do not know if this is legit, and why XXXX XXXX had our address, and these people did n't. It all sounds way to fishy. I did n't think it sounded right for them to demand payment or they would immediately have our wages garnished, and our refund withheld. Then, to threaten to turn us over to the Sheriffs Department if payment would not go through.
Please contact me in any regards.",Legal Issue
230,"I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone.
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ?
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney.
-What, what are you taking about?
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}.
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number.
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards.
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.",Legal Issue
231,"I received a call at XXXX XXXX from an individual working for Zenco at extension # XXXX. To the best of my abilities this is the conversation on the phone.
XXXX XXXX are you aware that your social security number starting with ... and last XXXX digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ?
I 'm calling from Zenco, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney.
-What, what are you taking about?
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}.
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX XXXX watch what I do with your social security number.
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards.
I also got in contact with XXXX XXXX, which is the company that contracted Zenco and inform them about what has happened. The manager did n't think Zenco said anything inappropriate and in fact, kept telling me that I had to pay the bill and that Zenco had the right to collect my debt.",Legal Issue
232,"I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.",Legal Issue
233,"I have been and still making payments on my account. Every month.
The company is not reporting my payments to the creditors.
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.",Legal Issue
234,"To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name.
I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages.
I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.",Follow Up Issue
235,In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response,Follow Up Issue
236,A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.,Follow Up Issue
237,I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.,Follow Up Issue
238,I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central FInancial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
239,I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
240,I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
241,I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
242,I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
243,I was a victim of identity theft and noticed a collection from RECEIVABLES PERFORMANCE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLES PERFORMANCE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
244,"I received a voicemail stating that a process service was attempting to serve me for a Notice to Appear. They left a phone number for me to call back to schedule the process server. If I did n't the case would proceed without me. XXXX XXXX XXXX or XXXX XXXX ( I called multiple times, it kept changing ) answered. I gave them the number that was left onmessage. XXXX and I scheduled a time. I asked him what this was in regards too. Thinking I was talking to a process server scheduler. At no time was I told this was a debt collector. He tells me it is for a tax refund offset that they filed for. He then proceeds to tell me I can settle and avoid the hearing. I am frantic at this moment, busy at work and not wanting a process server to come to my job. After he again told me that I was being given a notice to appear ( also on VM ) I make an offer. I still did n't know what this loan was or if I even owned jt. I was given very little information. I was scared. He tells me to make an offer. I was again thinking I was being sued. So I made an offer. I called back, sign contract and gave payment information for {$730.00}. The contract comes over from Bayview collection agency. I have NEVER heard of them. I then proceeded to look up informatiom on them and I got very bad reviews. I then called out Magistrates office and they said there is no lawsuit. I then call XXXX back. He hung up when I asked who he worked for. I called again and left a message and asked for a letter of validation and that I had concerns about the legality of their methods. No response. I do n't know this company, I never received information from them. I have no Debt on my credit report for this acct.",Follow Up Issue
245,National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.,False Claim or Statement
246,"I received a call today from a "" XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are "" sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.",Legal Issue
247,"Several of the issue choices above apply to this complaint. I received a debt collection letter from Wilbur & Associates, dated XXXX/XXXX/XXXX stating their client had compensated it 's insured for a loss, etc. etc. etc. ( A copy of which is attached ) & stated that they wanted to settle things with me in an amicable fashion & my cooperation was required to REACH a complete resolution so I needed to make a check payable to XXXX in the amount of {$3700.00} & mail it to them XXXX Wilbur & Associates ).
Then approximately 1 week later, roughly around XXXX XXXX or XXXX XXXX, I received a telephone call from a XXXX representative while I was at work & the person I spoke with kept trying to get me to admit & commit to paying this {$3700.00} & when I kept telling him I did n't know what he was talking about he started threatening me with having my license suspended, and how he was going to enjoy me having to crawl back to him in order to get my license back if I continued to refuse to pay this debt. I finally became so angry that I hung up on him and decided to seek out legal help to write a letter to this Wilbur and Associates, demanding that they validate the debt and that they nor their client XXXX, initiate any further contact with me other than through writing.
This letter was then mailed out to them, with return receipt requested ( a copy of which is also attached ).
Wilbur and Associates failed to validate the debt as described by the FDCPA and provide me the correct documentation I requested within the allotted time, therefore making this claim voided & closed.
On XXXX/XXXX/XXXX, I received a letter from Wilbur & Associates ( a copy of it & it 's content is attatched ). It was at this time I had decided to file a complaint and before I could do so I have received yet another letter, dated XXXX/XXXX/XXXX, this one being from XXXX, demanding payment in the amount of {$3700.00} for their client XXXX. ( a copy of which is attached )",Legal Issue
248,"Receivables Performance # XXXX ( XXXX, XXXX, WA XXXX ( XXXX ) was paid in full {$340.00} re : orig creditor, XXXX, XXXX and it states they were paid in full on my XX/XX/XXXX credit report. I have called them : NO RESPONSE. Why do n't they remove this "" Adverse Accounts '' info when I fully paid them years ago?",Follow Up Issue
249,"XXXX, XXXX, XXXX contacted my place of employment on XXXX, they then called my cell phone, there were no calls to me prior to that date. When I spoke to representative, I advised him to not contact me at work nor to call my cell phone. The individual proceeded to threaten with garnishing my wages, etc. was extremely aggressive and rude to both myself and my co-worker. When I spoke with his XXXX, he was also advised on XX/XX/2017 not to contact my place of employment or my cell phone, they were provided with an email address to utilize as a point of contact. However, they 've failed to do so and called today at approximately XXXX. Seeing that both calls were recorded, and they were advised pair the Fair Debt Collections act that when asked to cease communication via telephone, they are to comply..of which they are not ...",Legal Issue
250,"Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.",Legal Issue
251,Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.,Legal Issue
252,"Debt collector claiming to be from an attorney 's office, repeatedly tried to get me to pay a tax debt that I explained over and over was a mistake. He acted like he was going to help me fix the mistake, but did nothing. He lied about submitting my paperwork to the PA state tax department for review ( I submitted paperwork after XXXX and by XXXX he called and said PA Department of Revenue had reviewed - no government agency works that fast! ). He also told me that some items we listed on tax returns were not valid write offs, ie. contract labor on a general contractor 's tax return. When I questioned him about this, he acted like he did not just say it. He called me a liar when I told him a letter sent from the state was not received, and then, even when he stated that the letter was returned as non-deliverable, he still implied I was lying to him. He was very condescending, forceful and deceptive and made me very XXXX about his phone calls. He was trying to get me to pay {$46000.00}. Since I did n't trust that his collection attempts were valid, we checked with the state to make sure he was not a scam artist. We actually owe {$100.00} which we will be paying directly to PA Department of Revenue Pass Through Business office.",Legal Issue
253,When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.,Legal Issue
254,"Never received a notice from this company to allow me to dispute the debt. I received notice from my credit monitoring company. Once I received notice from the credit monitoring company, I contacted my granddaughter who lived at the residence ( I just signed for her to live there, I DID NOT, live there ), she contacted the company, filed a dispute with the XXXX on XX/XX/2016, who tole her to send her dispute via email, my granddaughter sent her dispute and XXXX never got back to her. So again on XX/XX/2016 My granddaughter called again because the item had nit been removed from my credit and XXXX had not gotten back to me or my granddaughter. So, my granddaughter called on and spoke to a XXXX who said he had to get my consent and authorization to discuss any account matters with her. So my granddaughter did a conference call with XXXX, myself ( XXXX ) and XXXX, at that time i gave XXXX authorization to speak with and discuss any matters pertaining to this account, with XXXX, I was then removed from the call. XXXX then verbally took XXXX 's dispute over the phone as well as having her email him the dispute. XXXX told XXXX, because the XXXX days had passed and XXXX failed to respond or provide verification of the debt, that it should be removed, XXXX then told XXXX it was not XXXX days from XX/XX/2016 when they spoke to XXXX but the XXXX days would start from XX/XX/2016, because that is the day I gave them authorization to speak to XXXX XXXX. XXXX days passed and I still received no response to my dispute, it was not until XX/XX/XXXX that I received anything from XXXX. I am demanding this item be removed from my credit report. The money being charged by the company is not valid and I do not owe this money, I did not receive notification of this debt, I disputed this debt and the validity of this debt and did not receive a valid response.",Follow Up Issue
255,"I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.",Follow Up Issue
256,"I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.",Legal Issue
257,XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.,Legal Issue
258,"I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here.
Sorry I can not be of more help.
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX.
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.",False Claim or Statement
259,"I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.",Legal Issue
260,"the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice.
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.",False Claim or Statement
261,"I initially became aware of this debt during a pull of my credit during XXXX XXXX. I never received any initial communication regarding the account when it was opened XXXX XXXX, XXXX. Upon finding this account, I contacted the original creditor ( XXXX ) and found that this account was created when someone went to the XXXX and fraudulently used my information. I then began to formally dispute this with the credit reporting agencies and the creditor at the end of XXXX. Below are the list of challenges : XXXX : XXXX/XXXX/XXXX : Letter sent. No response received.
XXXX : XXXX/XXXX/XXXX : Letter sent. No response received XXXX/XXXX/XXXX : Letter sent. No response received XXXX : XXXX/XXXX/XXXX : Letter sent. Item removed from credit report.
Creditor : XXXX/XXXX/XXXX : Letter sent. No response received XXXX/XXXX/XXXX : Response received XXXX/XXXX/XXXX. Contacted dispute department on XXXX/XXXX/XXXX and was told by representative to send 2 forms of ID ( sent passport and copy of DL ), police report and statement from my room mate regarding my lack of XXXX visit. I sent the requested information on XXXX/XXXX/XXXX and was verified as received by certified mail on XXXX/XXXX/XXXX. Documents were delivered to creditor 's office on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I contacted the dispute department requesting at update to the case. I was told that the documents received on XXXX/XXXX/XXXX were lost and that I would need to re-send them. This personal told me to re-send them, but fax would be allowed due to the mishandling of my previously mailed documents. He informed me that his was not a normal practice, but his supervisor approved the fax due to the mishandling of the sensitive documents that we delivered on XXXX/XXXX/XXXX. I faxed the documents to XXXX and was told the case worker that is handling my case is XXXX XXXX. I received a notification of a successful fax transmission at XXXX ET on XXXX/XXXX/XXXX. This fax containted a copy of my SSN card, passport, DL, police report and statement from my room mate. The person on the phone stated that the resolution specialist had 30 days to respond to my dispute and the verbal dispute began on XXXX/XXXX/XXXX and the 30 days would be XXXX/XXXX/XXXX.
Today ( XXXX/XXXX/XXXX ), I contacted the creditor via phone at XXXX ET to receive the resolution of my case. The person on the phone attempted to contact XXXX XXXX and he was unavailable. I requested to be connected to his supervisor or any form of leadership and was told that no one was responding to my request. I was told that XXXX would call me back very soon.
At XXXX ET, I called back to again request my case resolution. The operator again tried to contact XXXX XXXX, with no success. I again requested a Supervisor, also with no success. At this time, I was told that the fax that I sent on XXXX/XXXX/XXXX was never received, but they suddenly found my paperwork from XXXX/XXXX/XXXX. I was told to refax my SSN card and that it would be processed expeditiously due to the previous errors. I successfully sent the fax to XXXX today, XXXX/XXXX/XXXX at XXXX ET. I was told that I would receive a phone call within 1 hour to provide an update. I have yet to receive any further communication from Syndicated Office Systems, LLC, d/b/a Central Financial Control.",Follow Up Issue
262,"Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.",Legal Issue
263,I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt,False Claim or Statement
264,On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue me.,Legal Issue
265,"I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that amount. She cut me off and did not want to hear anything I had to say. She kept telling me that I was not calling costumer service that this was a debt collection agency and I was turned over for non-payment. That I could either pay it or tell her that I was n't going to pay it and she would not the account that I was n't paying and they would take action from there. I told her that since she was not going to listen to me. That was fine and that our conversation was over. She was extremely rude and aggressive during the entire call.",Legal Issue
266,"I was called by Contact information : Mid-America Accounts Control Bureau , Inc .
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone",Legal Issue
267,"On XX/XX/XXXX Collector called a friend that left her feeling threatened and involved in a lawsuit. His name was XXXX XXXX and addressed her by wrong name. He left no business name. Collector XXXX XXXX left a voicemail on my phone with vague statements and no business name. He used my old married name "" you will be located '', spoke of case # XXXX was pending against me, matter of public record, forfeited rights, and threatened to call my work and speak with my supervisor.
He left a phone number XXXX to call. His phone number has a full voicemail box, no business name. On XX/XX/XXXX I called during business hours ( XXXX-XXXX ET ) a woman answered without using a business name. I told her I am returning a call for a collection. She asked if I had a reference number, when I said no she transferred me to XXXX XXXX that asked me if I still lived at ( my address ) in XXXX XXXX. She said papers were filed on the XX/XX/XXXX and she 's surprised I have n't been served yet. She asked if anyone has attempted to serve me. Said if I agree to pay today she will try to reach the lawyers and see if they can stop the case. She came back and said that if I can give her a credit card and postdate payment she would talk to Advance America and see if they would settle. She said they are a mediation company and work with Advance America to see if I want to make voluntary restitution. She said I owe on a loan I defaulted on in XX/XX/XXXX. I said yes. She said I owe them for the loan and bounced check which was a total of {$510.00}. If I did n't pay it they would sue me for three times the amount, and how Advance America is very aggressive about this. I asked again what the name of the company was. She said "" let me find out what it will say on your bank statement '', She put me on hold, came back and said it would say XXXX XXXX. I asked if they had sent me any e-mails, she said no they would n't have sent me any e-mails, then asked for my e-mail address. I asked her to send me a statement or bill she said they wo n't do that until after my last payment, then I would get a paid in full notice. When I questioned the collection she said I could verify with Advance America. I scheduled 2 payments of {$250.00}. She told me that if my payment bounced that the case would be resubmitted to their lawyers and refiled would n't be able to get it back.She advised me that if anyone else called or tried to serve me to tell them to call her directly at XXXX ext XXXX. I called Advance America. There was nothing under the name used, but under my maiden name. She assured me that they are not legally allowed to sue over a defaulted advance loan and that my account was turned over to XXXX XXXX XXXX and advised me to call them. I called XXXX XXXX XXXX at XXXX and spoke with a woman and asked to see if their company still had my account. She said that they are not a collection agency but handle collections by selling them to other businesses. Mine was sold to XXXX XXXX XXXX in XXXX. She said I owe XXXX and said do not pay them a XXXX more. I tried calling XXXX XXXX XXXX at XXXX an. A full voice mailbox picked up with no business name. I sent an e-mail inquiry through their website. No response to date.I contacted my Lawyer ( XXXX XXXX ), was advised to stop payment and demand all contact through the mail. I cancelled payment and card through the bank, and left recorded message at XXXX ext XXXX demanding full disclosure and billing through the mail and to cease all calls. Heard nothing else until XX/XX/XXXX. XXXX XXXX called my work threatening a civil suit for breach of contract and non-payment. He said there is a civil case against me through XXXX County. He gave me XXXX for my attorney to call him back and a case number XXXX through XXXX",Follow Up Issue
268,On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.,Follow Up Issue
269,"I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.",Legal Issue
270,"A representative pounded on our door on a Sunday afternoon. This person nearly woke our sleeping XXXX month old, and was rude when my husband answered the door. They handed my husband a fake summons ( it was not filed with the court-no clerk 's stamp or signature ), and this was an attempt to scare tactic us into paying the medical bill in full. The bill was less than {$1000.00}. I had just weeks before made payment arrangements with the hospital of {$200.00} a month to resolve any past medical bill debt. ( We moved and did not receive all bills until updating our address. ) After calling, apparently the hospital sold part of the debt to XXXX different XXXX and the BC services was XXXX of them, and was unbeknownst to me not included in my payment arrangement. BC services should not be allowed to pound on my door! A simple phone call would have sufficed.",Legal Issue
271,"This complaint is directed against the apartment community XXXX, located at XXXX XXXX XXXX XXXX XXXX, VA XXXX, and operated by XXXX.
I recently terminated my lease due to an out-of-state job offer. I gave the required 60 days ' notice in person XX/XX/2016, but the leasing agent ( intentionally I believe ) failed to inform me that written notice was needed. When I attempted to end the lease, and pay the buyout fee of two months ' rent ( {$3100.00} ) after 60 days on XX/XX/2016, they falsely claimed I had never given them notice. While it 's clear to me that this is nothing more than an attempt on their part to collect more rent than they were owed, I have no legal recourse in this specific aspect of my complaint due to the lack of written notice.
However, they have attempted to bill me for a flat 60 days of rent on top of the termination fee ( 2 months ' base rent ), despite the fact that the apartment was rented during this "" penalty period '' of 4 months ; in effect collecting rent from both me and the new tenant, who I believe took possession of the apartment around XX/XX/2016 ( the time it was de-listed from their website ). In their most recent communication to me, they claimed that the apartment was "" held '' until XX/XX/2016, but I find this hard to believe as their standard policy is to only hold apartments currently available ( as it was at the time ) for 7 days.
Regardless of the date it was rented, by their own admission, they are charging double rent between XX/XX/XXXX and XX/XX/2016. Virginia state law, which limits landlords to recovering only actual damages, forbids this. Additionally, it requires that the security deposit is returned upon vacating the premises, which they have also failed to do.
Section XXXX of the lease contract [ attached as XXXX XXXX Lease XXXX ] clearly states that, in the event of an early termination of the lease, a reletting charge of {$1500.00} per month is due up until a new tenant takes possession of the apartment, and acknowledges the existence of the aforementioned law : "" By law, we are limited to the recovery of actual damages. "".
As part of my final attempt to remedy this situation, my attorney mailed a settlement offer of {$3100.00} on XX/XX/2016 ( equivalent to two months ' rent ) [ attached as WheelhouseSettlementOffer.pdf ], to which they did not respond. They instead sent me directly to collections for {$5000.00} - four months ' rent, with an additional "" cleaning fee '' that they did not provide receipts for or any proof of despite repeated requests. As part of my final attempt to remedy this situation, my attorney mailed a settlement offer of {$3100.00} on XX/XX/XXXX ( equivalent to two months ' rent ) [ attached to this complaint as XXXX ], to which they did not respond. They instead sent me directly to collections for {$5000.00} - four months ' rent, with an additional "" cleaning fee '' that they did not provide receipts for or any proof of despite repeated requests.
Throughout this process, XXXX staff have demonstrated combative, aggressive, and unreasonable behavior. It is clear that they believe consumers can be forced into paying unnecessary fees by threatening their credit.",False Claim or Statement
272,I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.,False Claim or Statement
273,This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.,False Claim or Statement
274,"I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?",Legal Issue
275,"I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?",Legal Issue
276,I was a victim of identity theft and noticed a collection from CENTRAL CREDIT SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL CREDIT SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
277,"Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made.
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe.
Thank you CFPB In advance XXXX XXXX",Follow Up Issue
278,My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX,Legal Issue
279,"This complaint is against XXXX , XXXX, dba XXXX XXXX XXXX & Wells Fargo Bank. Funds were levied from an account to which I have no financial interest & which contained the direct deposit proceeds of my mother 's social security benefit payments. The funds taken exceeded the maximum as stated. Funds were not posted or forwarded as I was told had been done and were held for a period of two years after seizure. Both organizations failed to respond in a timely manners with accurate information to my requests or to the requests made to each other resulting in an erroneous accrual of interest and continued damage to my credit rating. As a result of errors a second account was erroneously levied and an additional amount seized from a savings account which contained the proceeds of my husband 's Veteran 's Administration XXXX Benefits. To this date I have received false information and have yet to get resolution to this matter. I am seeking your assistance. The particulars follow.
Due to an unexpected job loss and {$80000.00} per annum in income coupled with a sudden increase in expenses my husband and I found ourselves in a difficult and very emotionally painful situation of having to renegotiate our credit card debt. We were unable to come to a resolution with XXXX and the balance continued to rise exponentially even though we were making payments. In lieu of this we decided to focus our efforts elsewhere and unfortunately the account went into default. The account was purchased by XXXX XXXX. A judgment was ordered by XXXX XXXX Superior Court and a default judgment entered on XX/XX/XXXX. I did not fight the judgment because I did in fact owe the money. I did not agree with the amount but felt that there was little I could do.
On XXXX/XXXX/XXXX just before the XXXX XXXX when banks and businesses are closed, a levy was sent to Wells Fargo Bank in XXXX, AZ and funds in the amount of {$4800.00} were withdrawn. No notice was given and it was only discovered when my mother went to access her account. This account was my Mother 's Social Security direct deposit account. I was listed, along with my sister, as joint in the event that my mother needed emergency funds and was unable to access them for any reason. After multiple phone calls back and forth between myself, Wells Fargo, and XXXX as I attempted to have the illegally seized funds returned to my mother without success I made an agreement with my mother to pay her back. At this point I considered the matter closed and made restitution to my mother. Over one year later, in XX/XX/XXXX I received a notice from XXXX stating that the amount was still outstanding. I immediately called them and after being transferred around several times talked with XXXX XXXX who assured me that the matter would be resolved and that the funds were with the XXXX County Sheriff 's Office. She would not give me a phone number or contact that I could follow up with stating that the matter was between them and the Sheriff 's Office. XX/XX/XXXX I received a letter from XXXX stating that they were willing to renegotiate the amount owed and wipe out up to XXXX % of the debt. As the XXXX season was approaching and I was dealing with a multitude of family issues I decided to contact them after the holiday the following week. Imagine my surprise when I went to access our savings account at XXXX only to discover that no funds were available because a lien had been served by XXXX and {$5100.00} had been seized. This now brings the total taken from accounts to {$10000.00} which is {$4500.00} more than the original amount ordered. As of this date I have received a check for {$4400.00} from Wells Fargo returning some of the funds taken in error. I have been unable to cash this check due to the way it is written.",False Claim or Statement
280,"This complaint is against CACH , LLC, dba XXXX & XXXX. Funds were levied from an account to which I have no financial interest & which contained the direct deposit proceeds of my mother 's social security benefit payments. The funds taken exceeded the maximum as stated. Funds were not posted or forwarded as I was told had been done and were held for a period of two years after seizure. Both organizations failed to respond in a timely manners with accurate information to my requests or to the requests made to each other resulting in an erroneous accrual of interest and continued damage to my credit rating. As a result of errors a second account was erroneously levied and an additional amount seized from a savings account which contained the proceeds of my husband 's Veteran 's Administration XXXX Benefits. To this date I have received false information and have yet to get resolution to this matter. I am seeking your assistance. The particulars follow.
Due to an unexpected job loss and {$80000.00} per annum in income coupled with a sudden increase in expenses my husband and I found ourselves in a difficult and very emotionally painful situation of having to renegotiate our credit card debt. We were unable to come to a resolution with XXXX and the balance continued to rise exponentially even though we were making payments. In lieu of this we decided to focus our efforts elsewhere and unfortunately the account went into default. The account was purchased by CACH/XXXX. A judgment was ordered by XXXX XXXX XXXX Court and a default judgment entered on XXXX/XXXX/XXXX. I did not fight the judgment because I did in fact owe the money. I did not agree with the amount but felt that there was little I could do.
On XXXX/XXXX/XXXX just before the XXXX Holiday when banks and businesses are closed, a levy was sent to XXXX in XXXX, AZ and funds in the amount of {$4800.00} were withdrawn. No notice was given and it was only discovered when my mother went to access her account. This account was my Mother 's Social Security direct deposit account. I was listed, along with my sister, as joint in the event that my mother needed emergency funds and was unable to access them for any reason. After multiple phone calls back and forth between myself, XXXX XXXX, and CACH/XXXX as I attempted to have the illegally seized funds returned to my mother without success I made an agreement with my mother to pay her back. At this point I considered the matter closed and made restitution to my mother. Over one year later, in XXXX I received a notice from CACH/XXXX stating that the amount was still outstanding. I immediately called them and after being transferred around several times talked with XXXX XXXX who assured me that the matter would be resolved and that the funds were with the XXXX County Sheriff 's Office. She would not give me a phone number or contact that I could follow up with stating that the matter was between them and the Sheriff 's Office. In XXXX, XXXX I received a letter from CACH/XXXX stating that they were willing to renegotiate the amount owed and wipe out up to 70 % of the debt. As the XXXX season was approaching and I was dealing with a multitude of family issues I decided to contact them after the holiday the following week. Imagine my surprise when I went to access our savings account at XXXX only to discover that no funds were available because a lien had been served by CACH/XXXX and {$5100.00} had been seized. This now brings the total taken from accounts to {$10000.00} which is {$4500.00} more than the original amount ordered. As of this date I have received a check for {$4400.00} from XXXX XXXX returning some of the funds taken in error. I have been unable to cash this check due to the way it is written.",False Claim or Statement
281,"Received a call from Monterey debt collecting agency. spoke with XXXX first day, very rude. when she asked about me paying debt in whole I told her no she responded with "" then what are you calling for XXXX XXXX '' I began to respond but then got frustrated at the way she was talking to me and told her she was a rude XXXX Today I received another phone call from her coworker XXXX who was just as aggressive and rude. and when I told her I was not able to make that payment in full she did not offer me a payment plan. I had to ask. She said yes what could you pay I told her {$5.00} dollars she said that is not good enough and as I was trying to ask her to help me figure out a reasonable payment she starts getting more aggressive and began to tell me when to speak and says that I knew I had to pay this and that this is my fault and a long list of other things. She asked me why I even have a debt and I began to say why she then cuts me off again after just telling me that I cut her off. Her communication tactics were to get me upset enough to say that I refused to pay. she said that she was going to mark this as a refusal to pay and terminate the call. after I asked her repeatedly to help me figure out a reasonable payment. She never helped me figure out a reasonable payment and just kept getting loud and talking over me. I asked her how is anything supposed to get resolved if you do n't even know how to talk to me. Her goal was never to set up payments because when I asked for solutions she kept being rude and repeating to me that this was my own fault. she terminated call. when I called back her coworker gave me the supervisors number and told me she did not need to speak to me. yes in the recording I called XXXX a XXXX for being rude and I had to talk over XXXX to even be heard. XXXX said that because {$5.00} dollars was n't going to help that I needed to pull out a loan and or get a credit card and pay today or they will report this as a negative on my credit. not once did she try to help me figure out a reasonable payment plan again that was n't even offered to me. I asked to be switched to someone else and she kept talking. nothing got resolved and I was disconnected. I believe I was put on hold and I had to hang up because I did not hear anyone which was her goal again to get me upset enough so she could mark my file as refusal to pay when I never said I would n't pay, I feel as though XXXX and XXXX should have better communication skills. Collecting a debt or not the way I was handle was not okay even after asking for help from XXXX to see what should I do her only response was fast talking me and telling me to get a credit card to pay today. I am currently at work I will not stop what I am doing to leave work to go get a loan or credit card I can not afford. I understand that debt collectors are trained to be aggressive but if Im asking for help to figure out a payment plan what was the reason for them being aggressive even after I allowed her to belittle me I asked can I speak now she talked over me and continued with saying {$5.00} dollars is n't going to do anything versus us coming up with a solution. I do n't believe she had the intent to set up payment arrangements at all",Legal Issue
282,"I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.",Legal Issue
283,I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
284,"I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to "" the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said "" I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.",Legal Issue
285,"My name is XXXX XXXX of XXXX XXXX XXXX XXXX, Virginia. My phone is XXXX or XXXX. This all started when I received a letter in the mail from Delta Management XX/XX/XXXX stating that they were attempting to collect on my XXXX defaulted student loans. My loans had defaulted due to the fact that I had been in an accident with my XXXX causing me to be out of work because I was recovering from my injuries for several months. At the time, I was an XXXX. I was no longer able to work for myself, so I lost my XXXX. During this time, my wife divorced me because I was n't making enough money for her. I had to sell our home and move because she wanted the money and then I had child support payments for XXXX children as well. I had completely lost everything that I loved and I had very little money. I also lost my car. I had to file bankruptcy and try to get back on my feet. I do apologize that I allowed my loans to go into default, but I tried to reach out for help with no avail. When the letter came from Delta Management, I called and asked how I could get my XXXX loans out of default XX/XX/XXXX. The Delta Management rep told me that I had to agree to have my payments automatically deducted from my paycheck and that after 6 months of consistent payments they will take my XXXX loans out of default. So, I agreed and also I agreed to pay 4 payments each month instead of 1 payment in the hopes that I would decrease my balance owed quicker and show my willingness to pay. However, although I have been paying voluntarily, consistently 4 payments each month since XX/XX/XXXX, I have not had my loans taken out of default. I am a military veteran and I am currently in the process of purchasing a home for myself and my new wife, but the loan officer pulled my credit report and showed me that my XXXX student loans are still on my credit report in default status. I was made aware that I can not get a VA Loan unless my loans are out of default. I have paid what I agreed to with Delta Management and am still paying, yet nothing on their end has changed. I feel that I was defrauded by Delta Management and lied to by them just to get my money. I also notice that they have been taking a large amount of each payment as interest and collection agency fees. This amounts to a lot of money as I pay them each week. Is this accurate? Is it legal for Delta Management to not take my loans out of default? I have called repeatedly since XX/XX/XXXX,XX/XX/XXXX and have been told the same thing. I have asked for a supervisor, sent written disputes through their website, sent emails through their website and also the Department of Education with no response from either. although, the website says they will respond within a few days. Also, every time I called the Department of Education Debt Resolution Dept, they told me that I had to talk too Delta Management. Please help me because I have been trying so hard to get this fixed that I am going to call and write my Senator, Governor, Congressman and President of the United States. I ca n't afford for my VA loan to be rejected. I promised my new wife that I would provide a home for us, but I ca n't do it without my Va Loan. This treatment that I received is wrong! I have been deceived! Please help!
Thank you, XXXX XXXX",Follow Up Issue
286,"On Wednesday XX/XX/XXXX I called Messerli & Kramer to follow up on a settlement offer I submitted via their online portal. I had not received any return communication from the settlement offer I submitted and it had been about two weeks. I reached the after hours message line. I left a voicemail with my first and last name, why I was calling, and my return contact number. On Thursday XX/XX/XXXX, I missed a phone call from a representative with Messerli & Kramer named XXXX. The voicemail that she left cut in and out so I was not able to retrieve the phone number or the extension number she provided for me to return her call. I returned the call by contacting the number on the that XXXX had called my cell phone on which was XXXX. I told the representative that came on the phone line who I was, and that I was returning a phone call that I missed from XXXX. She took my information, and then put me on a brief hold. When she returned back on the line she informed me that XXXX was not available but that she would try to help me. She claimed to have pulled my file up and reviewed the notes. She stated to me that the settlement offer and payment plan I had submitted was not acceptable and would not be accepted from Messerli & Kramer. She stated that it was not acceptable because I was asking for a settlement offer that was only 50 % of the total amount of the debt and that Messerli & Kramer does not accept settlement offers that low, as well that my offer of {$42.00} a month was not acceptable. She continued to say that she needed to go over some information with me to determine what the lowest payment plan they would accept was, and that I needed to complete a financial form but that she would go over it with on the phone. She asked me questions in regards to how much income I got each month, how much my rent was, how much I pay monthly lumped together for utilities, auto insurance payments, car payments, how much was left on my auto loan, and lumped together for what I am paying in other debt repayment plans I am currently in. I was not prepared for these questions and I disclosed that to her and when I was trying to take my time figuring out accurate numbers for her she got upset and rushed me. She then asked me about my fiance 's income, which I feel should not be considered or even taken into account because we are not married. She placed me on a hold again to process the information I had provided her and came back on the line. She told me when she came back on the line that the lowest amount based on the information I had provided her that the lowest payment amount that Messerli & Kramer would accept on the file was $ XXXX/month. I tried to explain to her that there was no feasible way that I could afford $ XXXX/month and that I had attempted to set up a payment plan with XXXX XXXX XXXX the original debt holder via their online site to enter into a payment plan of 120 months which equaled out to {$33.00} a month but it must not have gone through when I submitted it online as the account had been transferred to Messerli & Kramer. She would not let me even get that full sentence out before she very rudely interrupted and started to talk over me clearly stating "" We are not XXXX XXXX , Messerli & Kramer is a law firm, we do not have to offer you the same options they may have. '' I again tried to explain to her that I could not afford {$290.00} a month, that I am barely making it paycheck to paycheck as it is. She again proceeded to cut me off and talk over me saying "" You can afford the {$290.00} a month based on the information you provided me, no payment has been made on this account since XX/XX/XXXX ''. She stated that if I did not pay the {$290.00} they would garnish my wages and take over {$500.00} of my check each paycheck until the debt was paid. That were also be added legal fees for taking it to court.",Legal Issue
287,These people call me five times a day from different numbers. Asked them to stop but wo n't. Want personal info like credit card number and bank information.,Legal Issue
288,They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in XXXX,Legal Issue
289,"Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX",Legal Issue
290,I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
291,I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
292,I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
293,"I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!",Legal Issue
294,I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
295,I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
296,I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
297,I was a victim of identity theft and noticed a collection from HUNTER WAR FIELD I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HUNTER WARFIELD in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
298,I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
299,I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
300,I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
301,I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you,Follow Up Issue
302,I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
303,I was a victim of identity theft and noticed a collection from MEDICAL DATA SYSTEMS INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MEDICAL DATA SYSTEMS INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
304,"On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a "" Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a "" XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them.
This is a clear violation of Section 807 "" False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by "" XXXX '' own admission the collection agency does not sue people.
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court.
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency.
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.",Legal Issue
305,"We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time",Legal Issue
306,"This complaint involves bundled services for home phone, TV and Internet provided by XXXX I decided to switch my bundled services from XXXX to XXXX ( XXXX XXXX in XX/XX/2016. XXXX service was installed on XX/XX/2016 ; when installation was complete and phone, TV and internet were all working, I called XXXX to cancel my bundled services ( home phone, TV and Internet ). In XX/XX/XXXX, XXXX billed me services from XX/XX/2016 - XX/XX/2016. Beginning XX/XX/2016, I attempted to get XXXX to remove the charges for the home phone, TV and Internet services ( which I canceled on XX/XX/2016 ) from my account. I have made multiple phone calls to XXXX, spent hours and hours talking with multiple ( XXXX ) XXXX representatives and been promised that corrections have been made. Yet I have continued to receive fraudulent bills for services not received.
Despite making a call to XXXX on XX/XX/2016, at which time an XXXX supervisor promised that my account had been adjusted to reflect only the services I received from XX/XX/2016 - XX/XX/2016, XXXX turned my account over to collections the following day, XX/XX/2016. After more phone calls to XXXX on XX/XX/2016 my account was eventually reduced to reflect charges for services from XX/XX/2016 - XX/XX/2016. Although I have asked XXXX to recall my account from collections ( since my account was not corrected until after XXXX turned it over to collections, XXXX has refused to do so. I am being penalized and my credit has been damaged through XXXX fraudulent actions. ( See attachments for detailed description of my calls to XXXX, contacts by collection agency and fraudulent bills ).
IN SUMMARY : XXXX has acted in bad faith and made false/deceptive statements to me throughout this process. I have continued to dispute the fraudulent charges and attempted to resolve the matter in good faith. XXXX ultimately sent my account to collections, even though my account contained FRAUDULENT charges for services I had canceled and had been disputing continuously since XX/XX/2016.",False Claim or Statement
307,I was a victim of identity theft and noticed a collection from CERTIFIED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CERTIFIED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you,Follow Up Issue
308,I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX,Legal Issue
309,"On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that "" You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team.
I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!",Legal Issue
310,"This company "" ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss "" she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have "" papers to serve in a legal matter '' and that HR either has to "" accept the served papers on my behalf or that HR will have to "" force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a "" legal '' matter. Please help!!!!!!!!!!!!!!",Legal Issue
311,"This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated "" OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.",Legal Issue
312,"On XXXX XXXX XXXX , according to the XXXX police department I made an illegal turn on the roundabout of XXXX XXXX and XXXX XXXX XXXX . Please note the turn was not an illegal turn -- but due to the icy condition of the road, my speed was slow. However, because the other driver has the right of way when I was making my turn it constituted an illegal turn. Again please note I did not turn on a red signal, My turning lane s ignal was green and I did not see the other driver in addition to the fact that the traveling conditions on the roads were dangerous. At the time the vehicle I was driving this vehicle my insurance has lapsed due to nonpayment. I was unemployed. I went to court in XXXX of XXXX , Explained to the judge my economical situation upon wish I was allowed to pay all fees and penalties over a six month period. I believe my excellent driving record played a role in the judge decision. Soon afterward I received documentation from a legal firm in XXXX OHIO that they are representing XXXX for the collection {$18000.00}. I responded to the firm in a letter honestly about my medical situation and the fact that my husband was the only person working and that a reasonable and affordable offer should be considered. I never heard back from them. It was not until I received a letter from a local law firm here in XXXX Colorado that I realized that this collection agency/law firm is determined to collect the full amount of {$18.00}, XXXX from me by serving a summons to appear in court. I responded to the documentation that was filed -- because if I did not respond they would have obtained a default judgment for no response within the time allotted by law. A time for me to appear in court was set by me responding to an email sent from the law office. The court date was set for XXXX XXXX XXXX at XXXX : XXXX . I went to court only to find out that the judge granted this law firm the right to collect this debt. The shocking tale for me is -- -THEY FILED THIS MOTION ON XXXX XXXX XXXX Their electronic filing on XXXX motion was granted I did not even have any notice of this hearing or notification of motion granted -- they was not enough time for me to received it in the mail. THIS WAS WHAT THEY WERE COUNTING ON, AND THEY KNEW BEFORE HAND HOW THEY WERE GOING TO OBTAINED A JUDGEMENT FOR THIS DEBT. please consider the following : I take full responsible for the relapsed of my insurance. However I also had several economical hardship I was facing : 1. I became a full-time graduate student as of XXXX XXXX , because i believe that by furthering my education would increase my marketability to do consulting in the nonprofit industry. 2. My husband has been and continues to be the only income provider since my enrollment from XXXX XXXX until today. I graduated on XXXX XXXX XXXX 3. Currently seeking full-time employment. 4. in my previous communication to these law firm/debt collection agency I explained my present financial situation to them -- and the fact that my husband is currently the only income provider for the family with XXXX son in collage as of XXXX XXXX and the one in college as of XXXX XXXX 5. This unscrupulous law firm used my statement of fact ( my inability to pay them ) is not an excuse and why their motion was granted. 6. After careful consideration, filing bankruptcy would GREATLY IMPAIRED MY CAREER PATH. 7. The tactical manner in which this judgement was obtained was unethical and unjust and unfair to me as a consumer. 8. No alternative offers were considered and or offered via arbitration or court management due process. 9. The law firm is now acting as a debt collector and would therefore be subjected to the federal laws and guidelines set by this government agency. 10. This collection agency does not have the right to force me into a bankruptcy filing based on present financial conditions.",Legal Issue
313,"I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.",Legal Issue
314,Today I contacted XXXX XXXX XXXX XXXX and informed that the debt in question had been charged off in XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court back in XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.,Legal Issue
315,Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.,Legal Issue
316,I have made this Company aware that I 've been a victim of identity theft and also provided a police report to them. This company refuses to persue the person responsible for this Medical bill. I am and have always been insured by XXXX. Additionally any bills I had would 've been sent to XXXX and paid by XXXX. It is also against the law to bill someone who 's insured by XXXX for out of pocket medical expenses. This creditor has damaged my credit by reporting incorrect information on my credit report monthly.,Legal Issue
317,"Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud.
I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs.
I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud.
I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.",Legal Issue
318,"We are writing this letter to your organization in regards to false information and charges by XXXX XXXX XXXX and National Credit Systems. In particular, we are incensed that this creditor is trying to export more money than is called for from the XXXX XXXX Magistrate court..
The collection agency and XXXX XXXX Apartments have both conspired to send false and incorrect information to the major credit bureaus. Substantiating information is described as follows : 1. On XXXX/XXXX/2016, the XXXX XXXX XXXX Court entered a Judgement on the Pleadings in the amount of {$1700.00} against the defendant ( s ). The judgement amount included court filing fees, bills due for water, a trash pick-up fee and included past due rent amount accruing from XXXX/XXXX/16 to XXXX/XXXX/16.
2. In full compliance with the court 's order to vacate the premises, the defendants vacated the apartment on XXXX/XXXX/16 as stated in the court order.
3. On the morning of XXXX/XXXX/16, XXXX of the defendants walked through the apartment with the apartment complex manager, XXXX XXXX XXXX. At the completion of the walk thru, the apartment complex manager provided us with a Move Out Procedures/Checklist which clearly indicated that there were no damages to the apartment at all. The apartment was left completely clean and in the same clean state as on the day that they moved in, XXXX/XXXX/16.
4. Sometime after XXXX/XXXX/16, the defendants received a move out statement from XXXX XXXX XXXX. Charges on this statement {$4500.00} which is {$2700.00} more that the court ordered amount of {$1700.00}.
5. The XXXX XXXX XXXX move out statement shows charges that are false and misleading. As described previously, our move out date was on XXXX/XXXX/16, with the apartment being inspected on XXXX/XXXX/16. The move out statement from XXXX XXXX shows charges which are not listed on the XXXX/XXXX/16 magistrate court order.
6. The XXXX Move Out Statement shows rent for the entire month of XXXX 2016 which is in conflict with the court judgement ordering rental charges through XXXX/XXXX/16 only and not for the entire month of XXXX 2016.
7. The XXXX/XXXX/16 XXXX XXXX XXXX Move Out Procedures/Checklist also shows that there were no damages to the apartment at the walk-thru with the apartment rental manager. This document is in conflict with the {$2000.00} for stipulated damages for the XXXX/XXXX/16 date as listed on the move out statement.
Any and all additional charges that are not on the magistrate court order and especially for any charges on dates such as XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 are illegal and indicate the submission of false information for the collection of funds which are in excess of the amount stipulated in a court order.
We mailed documentation to XXXX via certified mail on XXXX/XXXX/16 and have not received any response back from them at all.",False Claim or Statement
319,"This company Convergent is trying to extort monies from me!
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,.
4 ) this is extortion",Legal Issue
320,This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports,Legal Issue
321,"I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections.
It was a collection notice for an XXXX account.
Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him.
Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection.
I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious.
Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, "" A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it.
I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.",False Claim or Statement
322,"I crossed the XXXX XXXX XXXX at a time when they no longer had toll booth workers. An invoice was submitted to me. I was informed by XXXX XXXX XXXX that if I opened up an account with them, the tolls would be taken care of. I did, however, there was a mix-up on their end ( regarding the effective date that my account was opened ) and this toll remained outstanding. At some point, while I thought it had all been worked out, they instead sent the amount to a debt collector, Law Enforcement Systems, XXXX. The total amount due was {$76.00} - of which {$6.00} was the original toll fee. In XXXX XXXX, I received a notification from the debt collector that they had sent a notice to the State of California for garnishment of {$76.00} from my upcoming XXXX income tax refund. When I learned of this, I called XXXX XXXX and they resolved it to my favor, they communicated this status/resolution to the debt collector in XXXX XXXX. On XXXX XXXX, XXXX I also sent a follow-on letter to Law Enforcement Systems , LLC reiterating the status that should have been communicated to them by XXXX XXXX XXXX and also, submitted, a check for the original {$6.00} toll fee which I subsequently learned was what caused the hiccup in that once this past due amount was sent to debt collections, XXXX XXXX XXXX could no longer merely use my balance on account with them to pay the {$6.00} original toll crossing fee ( which I assumed that they had done ). I thought everything was resolved. Around XXXX XXXX, I went onto the Law Enforcement Systems , LLC website and now saw that I no longer owed any amount. Again, I thought it was all behind me. Unfortunately, despite my written request for them to do so, the debt collector failed to retract the notice requesting intercept of funds that they had sent to the State of California. Thus, in XXXX of XXXX, I received a notice from the State of California Franchise Tax Board that the {$76.00} was indeed intercepted. On XXXX XXXX, XXXX, I called Law Enforcement Systems and spoke to a customer service rep named XXXX who indicated that per their records, they showed that they owed me a refund of {$76.00}, he informed me on that call that he processed and submitted the refund on my behalf and that I would be getting my refund within 120 days. 120 days passed and I did not receive the refund. I called again on XXXX XXXX, XXXX, spoke to a rep named XXXX, who informed me that the refund had not been fully or properly submitted. At this point, I have little to no confidence that I will receive my refund, which they acknowledge that they owe to me. I wish to report this as an egregious form of false statements to me and false representation as to the status of my refund. I am educated, intelligent and persistent. I do not need the {$76.00} but I am speaking out to you because if someone like me does n't, they will continue to run people in circles who actually do need their refund money. I feel that they are not conducting business with any integrity at all. In other words, I have the feeling that they do this all the time, to elongate the processing of a refund in the hopes that the consumer will just give up. But as I said, I am persistent and just offended to no end. Please advise if you can assist.",False Claim or Statement
323,"Absolute Recovery Service has been resubmitting false information to the credit bureaus regarding an account I had with them. Every time the bureau delete this company off my report for inaccurate information or failure to respond in a reasonable time, Absolute Recovery Service would then unlawfully report similar information. I have proof and documents proving that this company has been tampering with information on more than once occasion, going as far as to changing year to date information. Under the Fair Reporting Credit Act that is not legal for a company to do so knowingly and willingly to a consumer. This company has done this on XXXX occasions. I have spoke with someone at Absolute Recovery Service and they refuse to correct the information. This collection company has added over {$500.00} more in unknown charges to the original amount said to be owed by the creditor.",False Claim or Statement
324,Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment,False Claim or Statement
325,XXXX made up unecessarily high false visits and charges to purposely run up a high bill to aid the attorney who referred me to him to win a lawsuit. When the attorney dropped the case the XXXX is now trying to put this fraudulent bill on me.,False Claim or Statement
326,The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.,False Claim or Statement
327,"Debt collector "" NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.",False Claim or Statement
328,"In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that "" Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.",False Claim or Statement
329,"i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX.
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie.
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond",False Claim or Statement
330,Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.,False Claim or Statement
331,"On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated",False Claim or Statement
332,"Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off.
I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights.
15 U.S.C. 1681s ( a ) ( 1",False Claim or Statement
333,"I have a RECURRING ISSUE with Wells Fargo Bank NA attempting to collect on a debt that is not owed. I would like to add into the record the relevant facts as it pertains to this matter. A foreclosure action commenced in the XXXX County Court of Common Pleas XXXX by Wells Fargo Bank Na against XXXX and XXXX XXXX where summary judgement was granted. There was a subsequent appeal in this matter to the Superior Court of Pennsylvania who has jurisdiction in this matter. Superior Court of Pennsylvania Docket Number XXXX which was ended by XXXX XXXX XXXX, XXXX - ID # XXXX who sent a letter Monday, XXXX XXXX, XXXX to XXXX XXXX XXXX, Prothonotary Superior Court of Pennsylvania, QUOTE : "" On behalf of my client "" Wells Fargo Bank , National Association, Successor in Interest to Wachovia '', I have sent a Praecipe to VACATE THE JUDGEMENT to the trial court ... ... I respectfully submit that the appeal in the Superior Court is now moot. "". The "" Judgement was discontinued and ended without prejudice '' references in "" Exhibit # XXXX '' was never entered into the record because XXXX County Court of Common Pleas had no jurisdiction in this matter and it was under appeal. It is explained in following letter by XXXX XXXX XXXX. This letter, "" Exhibit # XXXX '', was in response to XXXX XXXX filing a complaint with XXXX XXXX XXXX, Phothonotary, noting the inconsistencies that XXXX XXXX XXXX XXXX presented to XXXX XXXX and requesting to have them corrected. On Thursday, XXXX XXXX, XXXX, XXXX XXXX XXXX, sent a letter to XXXX XXXX XXXX, Phothonotary, Superior Court QUOTE : "" A Praecipe to Vacate Judgement was sent to the XXXX XXXX with a "" Dismiss and End '' ... ... '' my staff was informed that the trial court could not dismiss any case currently on appeal. I therefore filed a new XXXX seeking only withdrawal of the judgment. "".
XXXX XXXX, responded to a collection letter on XXXX XXXX, XXXX and told the representative that this matter had been adjudicated at the Superior Court of Pennsylvania and that XXXX XXXX XXXX, XXXX on behalf of Wells Fargo to vacated the judgement as per the letter. Exhibit # XXXX, ( XXXX plus years prior ). He was informed that Wells Fargo records did not indicate that and this was a valid debt still owed. Wells Fargo Bank NA refuses to acknowledge that this debt was fully adjudicated in the XXXX XXXX of Pennsylvania and had ended in Wells Fargo Vacating / Withdrawing the awarded judgement and is clearly misrepresentation of the legal status of this alleged debt. Attached in exhibits # XXXX, # XXXX are the Pennsylvania Statues that govern these matters. They are in clear violation of 15 USC 1692e 807. : False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. Any alleged debt or obligation owed by XXXX and XXXX XXXX was rendered null and void by XXXX XXXX XXXX, XXXX with the Praecipe to "" VACATE THE JUDGEMENT '' as per the letter to XXXX XXXX XXXX, on XXXX XXXX, XXXX and the "" Praecipe to withdraw the Judgement '' file on XXXX XXXX, XXXX. Any debt owed was extinguished by Wells Fargo own actions taken in the Appeal XXXX. Wells Fargo Bank NA was supplied with all of the attached documents and refuses to acknowledge the adjudicate outcome in this matter and continues collection efforts with no legal standing to do so 15 USC 1692e 808. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law ( Pennsylvania Code ).",False Claim or Statement
334,"I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!",False Claim or Statement
335,"Today my husband attempted to contact Credit Protection Association because we are in the middle of purchasing a home and we are being denied because the lender says there is a collection reporting that is preventing me from qualifying for the loan. Credit Protection Association is reporting a XXXX debt on my credit report that I have never been notified about. They stated that it was for an account that was closed in 2013.
When my husband asked them why I have never received a bill from them or XXXX nor a phone call, they told him that they had attempted to send letters to an old address of mine and call a phone number that I have n't had in years. They even had my name spelled wrong.
My husband informed them that we had closed the account out years ago with XXXX because we were moving address and even turned in all the equipment. We also paid any balance that XXXX stated was owed in order to close the balance out. Because no money was owed, and no contact was made to me in order to take care of any supposed balance owed either by phone or mail, my husband asked Credit Protection Association if by paying this supposed debt they could simply remove it from my credit report since I was never given my rights to dispute this debt under the F.D.C.P.A. making this debt invalid.
Credit Protection said no because they did n't own the debt but rather XXXX did and therefore they could n't delete the account from the credit report without XXXX permission. I even spoke with a floor supervisor named XXXX and she stated the same thing. My husband was a debt collector several years ago so I know that is not true. Because Credit Protection Association is the reporting party, and because they have not complied with the F.D.C.P.A, they HAVE to delete the account for not giving me a proper validation notice. Regardless, my husband called XXXX to expedite this matter.
When he called XXXX, he spoke with a customer Service representative named XXXX. He also could n't find the account under address or phone numbers given to us by the collection agency. He even confirmed that the named was spelled wrong. When my husband spoke to him, he informed XXXX about the situation and XXXX agreed that equipment was turned in but that the balance owed was a closing of the account balance. Because we did n't want to argue with him my husband also offered him the same deal.
Because I was never notified of this debt and given a proper chance to take care of it, my husband asked XXXX if we simply paid this debt would it be removed from the credit report. XXXX said yes. He even said it would be given in writing. My husband then asked a second time to confirm that upon payment in full this would be deleted from my credit report and given in writing and XXXX again said yes. I have the conversation recorded and I will provide it to you. He even gave me the address to go in person and pick up the letter today.
I went in person today and attempted to fulfill the agreement and I was told that XXXX would not delete it from my credit report. They said it would only be shown as paid in full. To make a statement like XXXX did and then be told that is not true by the local office is a bait and switch tactic and a false statement or representation. It is also against the California XXXX Fair Debt Collection Practices Act as that act applies even to original creditors collecting debts as XXXX is doing.
At this point I am fed up and am going to be suing both Credit Protection Association and XXXX if they do not stop reporting this account as what they have done is illegal. They are collecting a debt that has never been billed to me nor have I been given my right to dispute and they are giving false statements in order to collect a debt and are illegally preventing me from obtaining credit.",False Claim or Statement
336,"Grant and Weber has never responded to repeated requests for the original invoice from the service provider in 2012. Instead, they create their own invoices - on Grant and Weber letterhead - with whatever charge they 've decided to charge me. I 've contacted the original medical provider and they have no record to share since they turned it over to G & W. So they ca n't tell me what the original cost was. I 'll pay legitimate debts, but it 's unreasonable to expect me to pay without ever giving me the invoice for services! So they 've dinged my credit report with a collection, hurting my ability to get apartments and loans at reasonable rates. It 's not fair to tell the world I 'm delinquent and use the credit reporting system to coerce me into paying a false bill.",False Claim or Statement
337,currently reporting XXXX invalid debts based on false claims and / or false representations.,False Claim or Statement
338,"Wells Fargo continues to attempt to collect on a foreclosed HELOC Rem Judgement that they in fact Vacated as shown in the attached documents. This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX division. Result : XXXX XXXX XXXX, XXXX representing Wells Fargo , N.A . s/i/i/t Wachovia Bank , N.A.as per the enclosed letter to Letter to the Prothonotary, Superior Court XXXX Pennsylvania notifying the court that XXXX XXXX XXXX sent a Praecipe to Vacate Judgment to the Trail Court release any obligation of this debt that was implied owed.
Below are the proposed violations in the attempt to collect on this account. of the Fair Debt Collection Practices Act.
As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 15 USC 1692d 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, Eastern Division ) 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( This matter has been adjudicated in the Court of Common Pleas of XXXX County, Pennsylvania and Superior Court of Pennsylvania, XXXX Division ) ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I have asked repeadtly to Wells Fargo to update records to reflect the outcome of this adjudicated matter and provide a ( Release of Liability for XXXX and XXXX XXXX ) in this matter.",False Claim or Statement
339,"I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.",False Claim or Statement
340,"misrepresented the amounts consumers owed.ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD.
Fair Debt Collection Practices Act The complaint also alleges that XXXX violated several provisions of the FDCPA, in connection with collecting loans that were in default when XXXX obtained them. Specifically, the FTC alleges that the defendants falsely represented the character, amount, or legal status of consumers ' debts ; communicated or threatened to communicate credit information which was known or which should have been known to be false, including the failure to communicate that a debt was disputed ; used false representations or deceptive means to collect or attempt to collect a debt, or to obtain information concerning a consumer ; collected amounts not authorized by the agreement or permitted by law ; and failed to validate debts.
misrepresented the amounts consumers owed.
INFLATING ORIGINAL PRINCIPAL BALANCE ] This not the first time select portfolio servicing ARE inflating original principal balance ON MY LOAN assignment fraud, XXXX XXXX, XXXX XXXX, not my lender ...
XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX XXXX XXXX XXXX The case was challenged as to assignment fraud the assignments fraud was caught when the prior defunct plaintiffs XXXX fka XXXX fka XXXX XXXX XXXX all defunct debt collector law firm shut down was caught entering fraudulent assignments of mortgage in XXXX prior fillings by defunct XXXX XXXX XXXX XXXX XXXX defunct XXXX and XXXX assignment fraud from a defunct finance XXXX that XXXX to exist in XXXX and no live person at XXXX XXXX and XXXX nothing to assign.
FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lending group filed for Chapter XXXX bankruptcy protection in Delaware in XXXX it is still under that "" protection '' ) XXXX XXXX, AN ENTITY THAT STOP EXISTING IN XXXX due merge with XXXX, a sub prime pat of XXXX brothers XXXX brother where is the permission to act from bankructy trustee of XXXX XXXX for XXXX XXXX to manufacture thus fraud ASSIGNMENTS Where is permission to act from th bankruptcy trustee for mers and its OFFICER reviewing this document questions whether XXXX or any of its officers had prior to convey this property out of XXXX XXXX, XXXX a defunct entity.
MOTIONS : ILLEGAL BUSINESS PRACTICE XXXX XXXX XXXX OF XXXX XXXX for depositions WHO holds title as document control officer for select portfolio servicing and address XXXX XXXX XXXX XXXX XXXX, UT XXXX ANDALL UNDER CONTROL OF XXXX XXXX. XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX XXXX AND XXXX XXXX AND PLAINTIFF XX/XX/XXXX REQUEST A HEARING AND INVESTIGATION OF CFPB ALLEGED LAW VIOLATIONS The complaint charges XXXX with violating several federal laws, including the FTC Act, the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Real Estate Settlement Procedures Act ( RESPA ) enforced by HUD.",False Claim or Statement
341,I keep my credit scores on very close watch and was notified my scores fell below XXXX this morning because of a collection. I have XXXX collections on my reports. I pay all my bills and keep my credit very clean because it is the lifeline to owning things in life. I have documentation from my doctor office showing my balance is XXXX and this company is reporting false information in direct violation of the very laws that are supposed to protect me listed in the FCRA. I have asked this company to immediately remove these items and also requested no further contact XXXX Please help me get this company to remove this false information from my report and discontinue calling my home,False Claim or Statement
342,"XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.",False Claim or Statement
343,"Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.",False Claim or Statement
344,Complete credit solutions acct XXXX is inaccurately reporting on my credit. Per federal and state laws a collection agency must not falsely debt clams and this account is reporting an inaccurate debt balance of an erroneous account. It is also a false statement and a violation for a collection account to report the account type inaccurately. This account is a collection account and is reporting as a factoring company account on my credit. This is inaccurate reporting. A debt factoring account reflect current debts on open accounts not closed debt that is sold to a collection agency written off as bad debt by the lender.,False Claim or Statement
345,"This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!",False Claim or Statement
346,"This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report.",Debt Collection
347,"Billing service for one of my doctors applied a {$20.00} credit from XXXX/XXXX/XXXX to a {$35.00} co-payment from XXXX/XXXX/XXXX leaving a balance of {$15.00}. The billing service 's inadequate records did not reveal that the good doctor refunded me the {$20.00} four years ago, therefore leaving no credit for the XXXX/XXXX/XXXX visit for which I paid the full co-pay of {$35.00}. {$35.00} minus {$20.00} leaves {$15.00}. Over a span of over two months, I repeated provided proof of the doctor 's {$20.00} refund and proof of my full co-payment of {$35.00} to both the billing service and the collection agency, First Federal Credit Control ( "" FFCC '' ). FFCC tacked on the erroneous {$15.00} balance to my XXXX/XXXX/XXXX service date balance of {$210.00} for a total debt collection of {$220.00}. I paid the doctor the {$210.00} and provided proof of that payment to FFCC. In spite of my best efforts to clear my account, FFCC filed a notice of debt collection with the XXXX credit reporting agencies for the erroneous {$15.00}. After I called FFCC about the posting of debt collection with the XXXX agencies, the "" mistake '' was admitted and I received a XXXX/XXXX/XXXX letter stating FFCC requested deletion of the erroneous debt from my credit. Why was it sent in the first place, after repeated attempts to clear the account? This is fraudulent. I also filed a dispute with the reporting agencies.",Debt Collection
348,"I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.",Debt Collection
349,"XXXX formally XXXX added an amount owed from over 10 years ago of {$790.00}, I do not owe that amount and I want them to remove that amount from my debt.",Debt Collection