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Communication tactics | Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved. |
Cont'd attempts collect debt not owed | XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced. |
Cont'd attempts collect debt not owed | Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt. |
Incorrect information on credit report | Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do. |
Incorrect information on credit report | I have disputed this bankruptcy countless times. Equifax keeps reporting this bankruptcy but they will not give me any documentation that states how they determine that this bankruptcy belongs to me. The federal courts do not give out Social Security number 's so I want to know how this Equifax keeps determining that the Bankruptcy belongs to me. |
Communication tactics | I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR |
Credit reporting company's investigation | XXXX XXXX Bank XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX. |
Incorrect information on credit report | Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request. |
Can't repay my loan | I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses. |
Cont'd attempts collect debt not owed | Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA.
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS.
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date.
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request.
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship.
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX.
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX. |
Cont'd attempts collect debt not owed | XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report, |
Dealing with my lender or servicer | To Whom It May Concern : I am writing to express my extreme concern at Sallie Mae 's abhorrent customer service and loan application process. I was accepted into an XXXX program ( XXXX XXXX ). As such, Sallie Mae was the only XXXX loan servicing option. As far as I can tell, Sallie Mae has virtually no accountability to its customers- the students and parent borrowers shoulder all the responsibility for ensuring the proper handling of the loan application in a timely and polite manner. On no less than XXXX occasions, I have been deliberately mislead by Sallie Mae staff- not only does this slow down my application and distribution of a loan, but it decreases my belief that Sallie Mae can in fact handle my personal information with any security. My future is at risk- in more ways than XXXX, and that is simply unacceptable. Although students and parents are borrowing from Sallie Mae, we are still your clients and repaying that amount with interest.
In no particular order, please find a list of grave mistakes that potentially impact the credit decision:1. Deliberate misinformation by Sallie Mae staff : a ) Sallie Mae staff upon requesting additional information, told us to fax a XXXX. When I called to determine if it were in the system, I was told it should have been uploaded. The staff member never mention uploading as an option. So now there is a faxed XXXX floating around in Sallie Mae HQ.
b ) 3-5 business days ''. Each time I called, I was told it would be 3-5 business days, after 5 days I called and was again told " 3-5 business days ''. At this point in time I discovered that Sallie Mae staff had not even reviewed my file ; after review more information was needed causing an additional 3-5 day delay.
c ) Not being truthful about opening hours. In a one week period, Sallie Mae staff mislead me about their offices being open XXXX. XXXX Further, the " days off on Sallie Mae 's websites, are in fact incorrect ''.
2. In a decision letter, the reason cited was " non payment of student loans, serious delinquencies of 30 days ''. After a careful review of my credit history, this is nowhere to be found. My student loans are paid in full each month, except when in deferment - which should not be held against me. I am curious who 's information this was and why it was affecting my loan decision.
3. Refusal to give extensions, every employee has a new answer. I have spoken to over XXXX employees. Each one has asked new questions, the same questions, and there never seems to be a record. This is a waste of time. Customers can not reach certain departments without being transferred. It seems that Sallie Mae wants to discourage customers from speaking to certain departments as much as possible.
4. Inability to accurately record the personal information of loan applicants : in XXXX phone call, I learned that Sallie Mae staff had incorrectly input my information. Obviously, this can impact credit decisions.
I am unclear about what type of training Sallie Mae employees go through, however, they all have access to social security numbers and other personally identifiable information ( PII ). Due to the lack of competence overall I have seen, I am unconvinced that my information and that of my co-signers is safe.
At the very least, Sallie Mae owes it to its consumers to ensure person information is secure, the loan process is transparent, and that each loan applicant is receiving accurate information about deadlines, decisions, and opening hours.
XXXX XXXX |
Cont'd attempts collect debt not owed | Failure to provide validation. On XXXX, I sent the company a demand for validation for the reference account they had reported on my credit report They failed to respond back without any contractual agreement or statements from the original creditor and continued reporting the account on my credit report. At the same time they verified the account as a valid account when I disputed it with the credit bureau instead of notifying the credit bureaus to have them mark the item as disputed, as required by law, thereby violating the FDCPA. This is a fine, punishable in court with punitive damages of {$1000.00}. |
Unable to get credit report/credit score | I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX. |
False statements or representation | T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years. |
False statements or representation | Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX.
On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment.
I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud. |
Communication tactics | This number keeps calling me but never leave any messages on who they are or what the call is about. |
Cont'd attempts collect debt not owed | On XXXX/XXXX/15 I was notified by XXXX creditor monitoring service that Enhanced Recovery Company ( ERC ) has placed a collection account on my credit file. On XXXX/XXXX/15 I notified ERC that I have no knowledge of an account or balance with XXXX and requested verification of any such account. I received an email message form ERC on XXXX/XXXX/15 stating they would cease communication and request documentation from " their client ''. As of this date I have yet to received any information or documentation to valid any such debt. Enhanced Recovery Collections is in clear violation of the Fair Debt Collections Practices Act. |
Incorrect information on credit report | As I am reviewing my credit report I see some items that are not mine. I 've never lived in XXXX and notice some credit information which I have created a police report in XXXX around XX/XX/2005. I also see some items involving XXXX and XXXX which are not mine as well. I will.like this matter investigated and cleared from my credit report.
My contact is XXXX XXXX XXXX |
Unable to get credit report/credit score | I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly. |
False statements or representation | After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls. |
Incorrect information on credit report | I tried to get my credit report from Equifax.com and in order to do so, I had to answer some security questions. None of them pertained to me. It said I had a mortgage in 2012 that I have never had, And also retail credit cards such as XXXX.. I 've never had any of the above. So I 'm not sure if someone has gotten these items in my name or what the issue is, Because I can not get in touch with anyone, There is only an automated system when you care Equifax. I 've issued a fraud alert. |
False statements or representation | This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit.
I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency?
I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received.
I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer. |
Incorrect information on credit report | Equifax has failed to report my credit worthiness accurately. Despite having well over XXXX purportedly valid collection accounts removed through persistence and due to gross billing errors, and fraudulent accounts that did not belong to me, and notably having XXXX positive accounts on reporting for over XXXX months - XXXX XXXX and XXXX - Equifax fails to update my score. They make a claim that they have updated my score each time I submit a dispute, but what all they have done is increased my score by few points ranging from XXXX to at most XXXX points and then subsequently ( almost immediately ) decreasing my score by the same amount or more. Because they keep making a claim that they are not doing it, I have paid for the monitoring service for over XXXX months to establish a record of the same. The record is attached. |
Communication tactics | They call with automated message that says : " if you are ____ please stay on the line and we will discuss a debt, if you are not ____, please hang up now and we will know that you are not ____. '' I called them and told them we are not the person they are looking for. I asked them how could I respond to an automated message when it was left on my message machine. XXXX said he was not aware the his company did that. The issue : if a live person was on the line, it would have taken 60 seconds to verify that _____ was not the person they were attempting to contact. But because I HAD TO CALL THEM TO STOP THE MESSAGES, that took my time to resolve their issue. I brought this up with XXXX and he hung up on me. I consider this business tactic harassment. They are " fishing '' without having to pay someone to call. Using an automated system that requires the contact to call them back is harassment. These calls continue until I call them. |
Credit reporting company's investigation | I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this. |
Communication tactics | Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX |
False statements or representation | I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good. |
Improper use of my credit report | I have credit monitoring issue due to an issue that occurred in XX/XX/XXXX year when my credit report was accessed by another person in an attempt to open new credit. The fraud alert was renewed a second time from the original date and recently expired in early XX/XX/XXXX. Recently, I called to ask how to remove some inquiries and the Experian rep told me inquiries are statements of fact and can not be removed. As a credit tracker member, they would not transfer me to the disputes department simply for inquiries. They suggested that I review all of my inquiries and then contact your agency for assistance to remove them if they do not belong on my report. When I called, the following were the issues I intended to address : The XXXX inquiry on XX/XX/XXXX. The reps at XXXX represent it is a soft inquiry as well and claim that a hard inquiry never appears on your report. I also have written documentation from the XXXX website that confirms the inquiry should be a soft inquiry. It is noted SEVERAL times on the website and outlined in the FAQs section. I have attached for review, and I am requesting this inquiry be removed since I did not authorize a hard inquiry be performed by XXXX.
I have XXXX other inquiries that should be removed. The XXXX from XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I do not recognize those as authorized by me, and I believe I already advised Experian about the XXXX XXXX inquiry should have been removed when they removed a few other unauthorized items ( which they did, so this XXXX must have been missed. ) The final inquiry issue is with XXXX XXXX inquiry on XX/XX/XXXX. I contacted XXXX credit on XX/XX/XXXX at XXXX and spoke with XXXX who did confirm that the inquiry is an error. He stated that no Experian credit file was received under my name on XX/XX/XXXX. It must have been a system glitch when I opened my account because he stated they pulled an XXXX file for the basis of my credit decision with them. I told him that I asked the rep in the store and she said only an XXXX file would be pulled and that is the only one I authorized. He again reiterated no Experian file was received so no inquiry should have been registered on my Experian report. He submitted an inquiry removal form to Experian and documented my account accordingly. I am requesting this inquiry be removed. |
Communication tactics | The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this. |
Cont'd attempts collect debt not owed | XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills. |
Unable to get credit report/credit score | I am trying to refinance my home.
Equifax will not provide restore.
Because XXXX has lost/stolenWhich is their policy. I took daughter of card.
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score.
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show.
If I lose financing Who will help me for Equifax nonsenseRequests? |
Cont'd attempts collect debt not owed | They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report. |
Incorrect information on credit report | Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish. |
Incorrect information on credit report | I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking. |
Can't repay my loan | Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools.
I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions.
The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college.
Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios.
Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities.
You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey.
I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life.
I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon. |
False statements or representation | This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX.
This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay.
Paid in an Full Amount. |
False statements or representation | In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site. |
Improper contact or sharing of info | A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! '' |
Dealing with my lender or servicer | I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan. |
Incorrect information on credit report | I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response. |
Unable to get credit report/credit score | i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone. |
Incorrect information on credit report | Dear CFPB, I am trying to resolve a credit reporting issue with Equifax concerning a negative item that appears on my Equifax report. This is a XXXX utility account that shows a balance and is being reported as a closed account and in collection. I spoke with a CS Rep. named XXXX, and regarding our conversation, this company refuses to verify the debt as due and owing by I, XXXX XXXX XXXX. It appears to be reporting as XXXX tradelines on Equifax. As noted on the report, this account is under dispute by consumer and reinvestigation is in progress. When a investigation of an account is in progress and a consumer is disputing an item on their reports, the CRA is to give the consumer whether via email, if preferred or in writing via regular mail, give a status update as to how long the investigation will take. I have not received any such accomodation from Equifax. As per the FCRA, the the CRA is reponsible for accurate reporting. |
Cont'd attempts collect debt not owed | I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me.
The XXXX is for {$1100.00}.
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ).
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ).
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus. |
Unable to get credit report/credit score | This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers. |
Disclosure verification of debt | All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me. |
Credit reporting company's investigation | XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015. |
Incorrect information on credit report | XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect. |
False statements or representation | Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim. |
Cont'd attempts collect debt not owed | Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me.
Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from.
At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation |
Credit reporting company's investigation | XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, and the amount owed is incorrect. |
Incorrect information on credit report | I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine |
Unable to get credit report/credit score | TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status |
Taking/threatening an illegal action | Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer.
XXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you.
Please provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent.
You should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. |
Communication tactics | Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment. |
Cont'd attempts collect debt not owed | In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls. |
Cont'd attempts collect debt not owed | XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account.
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents.
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself.
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed.
Your prompt attention is appreciated, XXXX XXXX |
Dealing with my lender or servicer | I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished. |
Incorrect information on credit report | Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long |
Cont'd attempts collect debt not owed | I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital.
I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports.
At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness.
I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so.
I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans.
Please help.
Thank you for your consideration of this situation. |
Cont'd attempts collect debt not owed | In XXXX of XXXX I received a collection letter from XXXX XXXX XXXX. They had no knowledge of the type of debt, nor did they submit a bill that would provide information legally required to collect funds. In a conversation they said that they did n't have any documentation to send me but that I owed it. I served XXXX & XXXX with a XXXX demand letter for evidence or the removal of the debt from my credit. Proof- XXXX XXXX XXXX rcvd XXXX # XXXX XXXX XXXX XXXX XXXXThe written demand included:1. Name of Clinic where services were performed - 2. Date of Service - 3. Copy of bill - 4. Copy of Explanation of Benefits - 5. Proof that I was served with a copy of the bill as none of this was sent to me.
I never heard of this physician nor had I ever received a bill.
In XXXX XXXX, I received a collection call from XXXX XXXX XXXX and was asked to make a payment. I informed them that they did not respond to my demand for information and that they had sent nothing to me to substantiate this fraudulent claim. In the event that they do not do so, they are legally required to remove it from my credit score and failed to do so. Once again I reiterated that I had no knowledge of this claim and referred to my request sent on XXXX XXXX, XXXX. They confirmed their receipt of my demand but stated that they were still unable to procure any of the documents from their client.
On XXXX XXXX, XXXX I called to follow up on whether they had updated my credit score. They said that they still were unable to remove the information due to the fact that the government was in a shut down. ( California State was in financial trouble at this time ) They made no mention of now having any information nor did they copy me on anything.
On XXXX XXXX, XXXX I sent another formal demand letter. It stated the same facts above and demanded that they remove this from my credit report and to send me a written statement of proof that it had been done. There was no response.
In XXXX XXXX I realized it was still not done, and called again. I left XXXX verbal messages and heard nothing back. On the XXXX call, they said that they still did not have documentation and that they would be getting back to me. They did n't.
Finally I decided to send a formal complaint to the XXXX. I made the complaint on XXXX XXXX, XXXX. Grant and Weber did not respond to their request for information and the case was closed " Unanswered on XXXX XXXX, XXXX. They said that XXXX did not respond to their inquiry.
I received a letter from Grant and Weber on XXXX XXXX, XXXX. It states they sent a bill on XXXX XXXX, XXXX. Under penalty of perjury, this contradicts their verbal statements that they did not have any documentation. As of today XXXX/XXXX/XXXX, I still have not received a legal bill. I have received a letter ( letterhead of XXXX XXXX XXXX XXXX ). It states that I received XXXX on XXXX XXXX, XXXX. This document does not meet the legal requirements of a medical bill as it does n't contain a tax id or CA State Medical License Number. Further it includes an address that I have never been to in my life. There is no diagnosis code. XXXX XXXX XXXX failed to provide any type of proof that I received treatment or that a bill was created and sent legally. They have not met the legal requirements of a collection firm and I ask that you please help me. Thank you. |
Cont'd attempts collect debt not owed | The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much. |
Dealing with my lender or servicer | For at least XXXX year, XXXX payments on my student loan have been reversed, with no notice or explanation. I have called the student loan company several times and asked for detailed documents showing my payments and resulting balance due. I have not received the items requested. I have been told both by collections and customer service that they can only submit another " research request '' but can not explain the reversals or offer any documents showing that my loans are being paid down. Consequently, I believe that my loans are not being paid down. I am constantly being called by the company and asked to submit payments, which are then reversed. I need someone at Navient or XXXX XXXX to give me a full explanation in writing. |
Cont'd attempts collect debt not owed | FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH. |
Incorrect information on credit report | I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment.
I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX.
I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns.
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports.
I provided XXXX reference numbers, original account numbers, and personal identification information.
The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate.
XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''. |
False statements or representation | My insurance company were to pay all my XXXX and they never did. I was in a terrible XXXX in which all my XXXX were to be paid and that did not happen. So all of my XXXX were put in collections due to them not taking care of this serious situation. I did not have the money to pay them myself. LANCASTER COLLECTIONS XXXX XXXX XXXX XXXX XXXX PA |
Disclosure verification of debt | I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill. |
Improper contact or sharing of info | Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information. |
Incorrect information on credit report | My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors.
I have been in contact with the other person through information on the credit report and he is also trying to correct the errors. |
Disclosure verification of debt | Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts. |
Dealing with my lender or servicer | I re-financed a private student loan serviced by AES. AES received the payment from my new lender on XX/XX/XXXX. AES told me they did not mail a check for the amount of overpayment ( {$470.00} ) until XX/XX/XXXX. The overpayment resulted from a delay in when I applied for a refinancing loan and when the documents were signed. Despite AES 's claim that this check was sent to my new lender on XX/XX/XXXX, the new lender 's servicer did not receive the refund until XX/XX/XXXX. This seems to be an unconscionable delay, as I was charged for XXXX months of interest on this overage amount. A refund of an overpayment should not take XXXX months in this digital age and overpayments appear to be an unavoidable consequence of the delay involved in reviewing refinancing offers. A XXXX issue I have with my new loan servicer ( XXXX XXXX XXXX ) is that the refund of the overpayment was not reflect on my online account - I had to call them to request a special payment history to receive an explanation of how the refund was applied to my balance. |
Communication tactics | I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal. |
Cont'd attempts collect debt not owed | we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... .. |
False statements or representation | After contacting XXXX, when United Recovery Systems would n't allow me to make payment arrangements, they contacted me and told me to contact them. XXXX gave me URS 's wrong contact number. XXXX gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX URS 's number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls. |
Cont'd attempts collect debt not owed | I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you. |
Incorrect information on credit report | For Experian. Please note case number XXXX on file for XXXX.
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX |
Communication tactics | Credit Center Inc has threatened me with legal action if a debt, that has been proven unverified by the bureaus, is not paid. It states I have 14 days to make payment or reach an agreement or the account will be forwarded to an attorney for legal action |
Cont'd attempts collect debt not owed | IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof. |
Cont'd attempts collect debt not owed | R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit |
False statements or representation | We were contacted by a company called EBA XXXX XXXX claiming to be offering loans to students, and we ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX expressed interest in it XXXX and almost all our students pay tuition out of pocket. We were made to understand that we will be doing part of the loan processing - helping students with the filling of loan application forms, collecting all supporting documentation from students and hen scanning it through a dedicated terminal to be provided by EBA for their approval of the student loan- Once the student meets their criteria, that is good credit report as well as has a regular source of income/employment.
The nature of the loan they offer we were made to understand, require us to give our bank account information to enable them execute electronic fund transfer for full payment when a student loan is approved by them for a student. As part of the loan approval process, they also require a student to write a check with a face value amounting to 25 % of the total value of the student loan approved for the student-which also forms part of the initial instalment payment by the student to EBA XXXX. To ensure a smooth transaction and authenticity of checks issued for payments by students, we were also made to understand the initial check issued by the student should be written in our name XXXX however, we can not cash the check. Rather, we will scan it to EBA XXXX through the provided and dedicated Point of Sale Terminal, after which we will file the check and keep at our office. We were also made to understand that we will pay {$99.00} plus tax per month for the point of sale terminal.
In the process of finalizing the agreement, EBA XXXX then introduced XXXX additional companies a. XXXX XXXX XXXX XXXX. Their role is to lease out the point of sale terminal to us ( Merchant/channel ) b. XXXX ( XXXX ) : Their role is to ensure credit verification and approval of loan applicants ( students ) and facilitate electronic fund transfer transactions for all parties in a transaction namely, student ( taking instalment payment from their account ), merchant/XXXX ( Making payment deposits into our account on behalf of students who have been approved for loans ) and EBA XXXX ( Loan Servicer ) Weeks after the agreement was finalized, the first transaction of an amount of {$1500.00} was executed. Per the instructions given to us, we gathered all documents including a check of {$480.00} dated XXXX/XXXX/XXXX representing 25 % down payment from the student/borrower, with an amount of {$240.00} to be debited against the borrower 's bank account every month for 6months. Hence, the total amount the student will be paying EBA through XXXX at the end of the period is {$1900.00} Upon approval of the student loan, EBA XXXX through XXXX, went ahead to deposit an amount of {$1500.00} into XXXX bank account on XXXX/XXXX/XXXX Then on XXXX, XXXX charged our accounts {$29.00} for an unknown reason and without permission. Our protest to EBA and to XXXX yielded no results than 'telephone tennis ' ( Transferring us around ).
XXXX/XXXX/XXXX. XXXX made an unauthorized charge of {$480.00} on our account. We protested, but their reason was that the borrower 's bank failed to honor the check the borrower/student issued to them. Hence they went into our account to withdraw that amount of money. This we found very 'fishy ' and unacceptable since we are not the borrowers.
XXXX/XXXX/XXXX XXXX charged {$110.00} to our account. This was unauthorized and provided no explanation XXXX/XXXX/XXXX XXXX XXXX XXXX charged {$110.00} equipment leasing fee.
XXXX/XXXX/XXXX. XXXX charged our bank account 6 times with an amount of {$240.00} with the total amount being {$1400.00}.
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Incorrect information on credit report | THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ... |
Incorrect information on credit report | I 'm writing to you about dispute the following information that the XXXX XXXX XXXX, AZ. provided to the credit reporting companies. The information is incorrect. I do n't have a tax lien against me. Here is a copy from my credit report showing that I have a tax lien against me, and showing on my credit report. I 'm requesting that they remove from my credit report companies such as TransUnion, XXXX, and others now. I have information supporting my position. My credit score drop more that XXXX points for this error. |
Communication tactics | Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007. |
Incorrect information on credit report | I need assistance with getting incorrect information removed my credit file.
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful.
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt |
False statements or representation | I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance. |
Incorrect information on credit report | I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests. |
Disclosure verification of debt | Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX. |
Disclosure verification of debt | I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account. |
Getting a loan | I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT. |
Taking/threatening an illegal action | I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ.
During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise.
After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation.
Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ).
I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full. |
Credit monitoring or identity protection | On XXXX XXXX, 2015 at XXXX PDT I called Transunion 's credit fraud department to request a credit freeze on my account because of the recently announced XXXX cyber breach. I was given a file number, processed a credit freeze claim and issued them my personally selected PIN number. I was told by their representative that I would receive a written confirmation in the mail within XXXX to XXXX business days. Having not received that within that allotted timeframe I called today ( XXXX XXXX, 2015 at XXXX ) and was told by a Transunion representative that NO credit freeze had been applied on XXXX XXXX or any other date!!!! They completely XXXX this up and left me exposed to potential credit and I.D . theft for over XXXX weeks because of their incompetence and negligence. Besides wasting over XXXX minutes of time on hold, dropped calls, mis-directed transfers, and representatives that did not respond to my requests, I still have no satisfactory explanation why my request for a freeze was not processed in a timely manner, again exposing me to fraud. This is NOT acceptable and I would like an investigation launched and formal complaint filed against this company. After all, their core competency is CREDIT reporting, managing, monitoring, and they ca n't even do that properly. This company has shown blinding incompetence and neglect and they must be held accountable. |
False statements or representation | upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores |
Cont'd attempts collect debt not owed | I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA. |
Cont'd attempts collect debt not owed | THIS IS RIDICULOUS. I HAVE ALREADY SENT A LAWFUL NOTICE TO THESE PEOPLE AND NOW I HAVE SENT ANOTHER XXXX ABOUT READY TO TAKE LEGAL ACTION ON THAT COMPANY. THEY ARE STILL CONTACTING ME AND STILL REPORTING ON MY CREDIT |
Cont'd attempts collect debt not owed | This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far. |
Taking/threatening an illegal action | XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped. |
Communication tactics | Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information. |
Cont'd attempts collect debt not owed | This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED. |
Communication tactics | I mailed a cease and dispute letter to Hunter Warfield on XXXX XXXX. XXXX XXXX I received verification of debt letter dated XXXX XXXX from Hunter Warfield. The envelope states " Collection & Asset Investigation ''. Whenever Hunter Warfield sends letters it says this on the envelopes and they are not suppose to use envelopes that reveal information indicating that the sender is a debt-collection agency. And it was extremely embarrassing because our postal carrier had accidentally put it a neighbor 's mailbox. Also they did not mail the verification of debt letter in a timely fashion. |
Communication tactics | I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue. |