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Cont'd attempts collect debt not owed | This company promised to delete items from my credit bureau files in return for payment in full on XXXX medical accounts. They promised to provide written documentation and electronically delete the items immediately. They never sent the deletion letters as promised and demanded I send a self addressed envelope fro a " second mailing '' per the company policy. I have received the letters for my records but the items remain on my credit files months after the agreement and payment. |
Cont'd attempts collect debt not owed | XXXX changed their cell towers from XXXX to XXXX. My phones no longer got XXXX. XXXX was horribly slow and inconsistent. I tried for months to get them to give me free new phones which would work with XXXX. They would not. I pointed out that their service agreement specifically addresses this situation ( I will include the documents as attachments, if possible ). Still, they would not give me new phones. I told them I would have to switch carriers because I effectively had no cell service. Still no help. So I switched to XXXX. They then tried to charge me a {$490.00} Early Termination Fee ( ETF ) because I cancelled before my contract was up. I pointed out to them that their Terms and Conditions state the following : " New Agreements on the XXXX XXXX ( XXXX ) Network : Your Service on a device activated on the XXXX XXXX ( XXXX ) Network may require a new XXXX two-year Agreement per line. XXXX expressly reserves the right to migrate your Service during this Agreement term from the XXXX XXXX ( XXXX ) Network to the XXXX XXXX XXXX network to complete your Agreement term. Reasonable advance notice of the Service change will be provided to impacted customers, who can then select XXXX of the following options : ( a ) Choose to complete the Agreement term using your existing device Terms & Conditions without XXXX ( XXXX ) capability ( b ) Elect to complete the Agreement term by contacting us after receiving notice from XXXX to transition to the XXXX XXXX XXXX network with no additional term commitment required ( Transition Option ) ( c ) Deactivate service. Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ). Transition Option : If you select the Transition Option, you will receive a free standard XXXX XXXX capable device and can maintain your existing Service plan, if available. During the Agreement term, XXXX may provide other offers that are separate from the Transition Option, and these offers will be subject to a new two-year Agreement per line. '' Since XXXX did not honor its obligation under the " Transition Option '' ( b ) I exercised my option to deactivate under Option ( c ) with the belief I would not be charged an ETF, AS IS CLEARLY STATED IN THE TERMS AND CONDITIONS ( " Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ) '' ). Again, I tried, for months, to get them to honor Option ( b ) but they would not. SO I went to XXXX and they sent my account to a series of collection agencies. I promptly responded, in writing, to any written communications I got from these companies. I fully explained the situation to each and told them I would not make a payment because the debt was not valid. The first XXXX firms dropped the matter. However, the XXXX/current one ( Enhanced Recovery Company, LLC, " ERC '' ) reported this matter to the credit reporting agencies with the result being an approximately XXXX point drop in my XXXX score. Needless to say, I consider this unacceptable as well as inaccurate. I 've tried to resolve it with ERC but they keep referring me to XXXX which, as expected, has proven useless. ERC is acting on behalf of XXXX, XXXX will not honor their obligations under their own Terms and Conditions. My only recourse is to file this complaint with the hope the matter will finally be resolved in my favor. This whole situation should never have happened in the first place. XXXX needs to honor their Terms and Conditions, even if there 's a cost to doing so. They changed the cell tower technology to something that no longer gave me service. I paid my bills and fully honored my obligations under the agreement. This matter is their doing yet I have been paying the price. This needs to be corrected ASAP. |
Can't repay my loan | 5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do. |
Improper contact or sharing of info | I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job.
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late.
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it. |
Can't repay my loan | I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services.
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans.
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future. |
Dealing with my lender or servicer | Before I XXXX in XX/XX/2008 I co-signed my wife 's private student loan since I was employed and she was a student. I came home from XXXX totally and permanently XXXX. My only source of income is VA compensation and XXXX. My wife left me and got a divorce about a year after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a totally and permanently XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to totally and permanently XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal. |
Dealing with my lender or servicer | I graduated from XXXX XXXX in Tennessee in 2010. I messed up my grades and lost some scholarships but continued my degree, financing with student loans, federal and private. After graduating, I discovered that they had been sold across the country and I was ineligible to consolidate them as my " income did n't meet criteria. '' I began to pay on the student loans and have had several slight issues that were easily and readily remedied. Then, XXXX of my loan companies, XXXX XXXX, sold all of my loan portfolio that was with them to Navient. My parents, in an attempt to help me pay down my student loans had agreed to pay off my highest interest loan ( a loan with 14.25 % interest, compounded daily ). They made an initial payment to make certain that it would be processed properly, of {$500.00}, on said loan. That payment ( plus my payment for the month ), processed properly and was applied towards the loan which they determined, the XXXX with 14.25 % interest. Here 's where things took a turn for the worse. They made another payment of {$8500.00} towards that same loan, making certain to notate that they wished it to go towards the loan at 14.25 % interest. According to their website, it showed that I now owed something near {$400.00} remaining on that loan. I continued to check their website, to verify that it would stay processed properly for almost a week. The first day I did n't check is when that payment ( the second, {$8500.00} payment ) got reallocated towards all of the loans in my portfolio, according to some matrix that no one can explain to me. I did n't catch this until I logged in in XXXX to make a payment. I noted the difference and was on the phone with Navient within the week asking them to reapply the {$8500.00} payment solely to the loan with 14.25 %. Easily done, they assured me, and told me to check back within the week. I checked back, and sure enough, they had reapplied the {$8500.00} payment towards the 14.25 % loan, but now they had taken away the {$500.00} payment and reprocessed it towards all my loans, and the loan, which, when initial payments were made, showed less than {$500.00} left on the principal, now showed over {$1000.00}. Since then, I have talked to numerous associates at Navient and tried to explain the situation to them, and a variety of assurances and civility have been shown me, but nothing has changed in the standing of that loan for all the talking that I do with Navient. They have had my loans for 3 months, and they have been messed up for 3 months. My parents are trying to get a payoff quote to pay off the remaining balance, but it should n't be over {$1000.00}, it should be closer to {$500.00}. I have been put on hold for over an hour before they 've hung up on me and I 've been asked to call back and I 've been told that the " line to the department who reapplies loans is down '' for Navient, and all of these have led this issue to continue, and I 've been told that it continues to accrue interest, compounded DAILY, while this issue continues to go unresolved. |
Improper use of my credit report | Contacted Equifax regarding unauthorized inquiries on credit report. Equifax stated I would have to contact company directly and let them know inquiries were fraudulent and request removal. Sent certified letter to XXXX XXXX and XXXX as directed by Equifax and no response from company. Contacted Equifax regarding no response from company and still refuse to remove. |
Disclosure verification of debt | I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies. |
Communication tactics | Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail. |
Unable to get credit report/credit score | I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated! |
Credit reporting company's investigation | I had a dispute with XXXX over some overcharges on my Invoice.
They did not want to hear about it so they gave it for collection.
I finally paid the collection agency the full amount.
Subsequently XXXX realized they had made an error and sent me a refund check.
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it. |
Unable to get credit report/credit score | This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help. |
Incorrect information on credit report | On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage. |
Taking/threatening an illegal action | CCS sent me a debt collection notice for a debt I do not recognize. In addition, CCS never sent me a debt validation notice as is required by the Fair Debt Collections Practices Act. Furthermore, CCS has not nor has agreed to provide all relevant contracts and information as to the alleged debt. I do not owe any debt to CCS nor have I ever. In addition, the alleged debt is past the statute of limitations. CCS is flagrantly violating the Fair Debt Collections Practices Act with their illegal debt collection tactics. Furthermore, they use the website XXXX to imply that it 's some sort of legal action that is taking place. This is deceitful debt collections and is in flagrant violation of the Fair Debt Collection Practices Act. |
Incorrect information on credit report | I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on? |
Incorrect information on credit report | The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX.
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed.
Any help getting the correct dates for this debt corrected is appreciated. |
Cont'd attempts collect debt not owed | National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja |
Communication tactics | Callina A XXXX year old female home phone when asked not to. |
Incorrect information on credit report | My credit report shows that I have not paid for a loan on a house I 've never owned. I lived with a man at this home but never was married or anything that legally binds me to him. I moved out after a couple of months and I have not returned. The mortgage company is XXXX XXXX Loans. I believe that is was XXXX or XXXX that I moved. I have since married to another man and have not seen the owner of the house, XXXX XXXX for about XXXX 17 years. |
Credit reporting company's investigation | I received a deletion letter from a creditor to remove an account from my credit file and inform Transunion about the information. Transunion told me if i can fax them the deletion letter they will remove the account from credit file within XXXX business days. Therefore, I fax Transuinion the deletion letter but Transunion told me they are not going to accept the deletion letter. I asked Transunion to send me a letter in writing why they are not accepting the deletion but they are refusing to send me any correspondence in writing and also refuse to delete the account as per request by the creditor. |
Cont'd attempts collect debt not owed | The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX. |
Cont'd attempts collect debt not owed | I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report. |
Incorrect information on credit report | I can not dispute. I have tried to do this several times online and it keeps failing. Trans Union is the XXXX and only XXXX that does not work online. I keep getting an error message. I called TU and they were no assistance, wanted me to send something in writing. I am not. I went to TU site through the Free Annual Credit report site setup by the government to help with exactly these bad practices. I would like free access online to my report and to the Dispute Process. Or someone from TU to call me and walk me through it on the phone step by step. If they can control my life with bad information then I should be able to demand assistance without hassle. |
Taking/threatening an illegal action | Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap.
Thank you, XXXX |
False statements or representation | local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts. |
Can't repay my loan | Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times.
XXXX University XXXX XXXX XXXX, XXXX, DE |
Credit monitoring or identity protection | A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately. |
Improper contact or sharing of info | UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling. |
Cont'd attempts collect debt not owed | XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help. |
Incorrect information on credit report | XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for |
Disclosure verification of debt | I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past |
Cont'd attempts collect debt not owed | I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, XXXX XXXX XXXX XXXX
( XXXX ) XXXX |
Incorrect information on credit report | My credit report reflects an account in collectio for XXXX dollars.
I called the collection company and this account belongs to XXXX.
The address and the name are n't mine but they still say when mySocial security it 's put in to their system they get that own them moneyWhich I truly know it 's not mine |
Improper contact or sharing of info | Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person. |
Incorrect information on credit report | I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax. |
False statements or representation | On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}! |
Cont'd attempts collect debt not owed | I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you. |
Incorrect information on credit report | I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off. |
Disclosure verification of debt | In fall 2014, Caine & Weiner ( C & W ) contacted me about collecting a debt associated my previous employer. After receiving the initial communication from C & W, I sent a letter in response requesting full documentation of the debt in question, since it was unclear on what the debt was and why it was being collected. C & W responded by providing some information, but not enough to explain the debt.
On XXXX/XXXX/14, I requested additional information and, after receiving no response for several weeks, called C & W to inquire about the status of my request. My call was returned by a C & W employee who indicated that he had no intention of providing any additional documentation, despite the obvious lack of support for the debt. Further, the employee 's tone was hostile and threatening.
I have since been discovered that Caine & Weiner has also taken action with several credit reporting companies including XXXX, and XXXX with regards to the account.
The fact that Caine & Weiner knowingly ignored my request for additional documentation while simultaneously reporting negative information to credit reporting companies constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act. |
Cont'd attempts collect debt not owed | a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank |
Disclosure verification of debt | I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt. |
Communication tactics | I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me. |
Cont'd attempts collect debt not owed | The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX. |
Cont'd attempts collect debt not owed | This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years. |
Taking/threatening an illegal action | I could no longer pay these enormous charges so I hired a company in FL to take over for me. Either they did nothing or the Pay Day loan company will not accept their terms. I get several letters a week and they have threatened to take civil action against me. I am over XXXX and I get a XXXX check. |
Taking/threatening an illegal action | I received a letter stating the following ...
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose.
I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX.
I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms. |
Credit reporting company's investigation | I am currently in bankruptcy, with XXXX on my mortgage. I am making payments under the XXXX XXXX XXXX, and has never missed a payment in four years, i have repeatedly disputed this account with Experian about why it is still showing past due. They refuse to remove all past due payments, which are supposed to be remove under the chapter XXXX plan, This is the only credit bureau that i am having this problem with. I have pursued my legal rights under 15 USC Section 1681n or 1681o to comply with the law. Under the provisions of the Fair Credit Reporting Act. Please investigate and contact me please concerning this matter. Thank You. |
Cont'd attempts collect debt not owed | I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed! |
Cont'd attempts collect debt not owed | I have completed all payments, but it still shows as an open collection on my credit report. |
Communication tactics | Apparently I have old debt that I never could pay off. It has been atleast XXXX years and I am still getting calls from Portfolio Recovery. |
Cont'd attempts collect debt not owed | XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment. |
Disclosure verification of debt | I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for. |
Cont'd attempts collect debt not owed | To Who It May Concern, I recently received a collection letter from a collection agency dated XX/XX/XXXX. After receiving this letter, I called its office to discuss it and was told by its representative that the debt : ( 1 ) was owned by XXXX ; ( 2 ) it was for some sort of test ; and ( 3 ) that I owed {$24.00}. During that phone call, I requested a validation of the debt because I did not recognize the debt and had not received a previous bill from anyone, including XXXX. The agency indicated that it would validate the debt and mail the supporting documents to me. It also gave me a customer service number to contact XXXX XXXX XXXX XXXX in case I had any other questions.
I called XXXX. They indicated that the bill was for services performed in XX/XX/XXXX. XXXX also indicated that it sent bills for these services to the following incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX. Finally, in direct contradiction to what the collection agency representative told me on the phone, XXXX told me that it no longer owned the debt because it had sold the debt sometime last year. Despite the collection agency representative indicating that XXXX owned the debt and could provide any help that I needed, XXXX told me that it could not help me and could not provide any details on the debt because CCS owned the debt.
Before I proceeded with any other action, I waited for the collection agency to send documents validating the debt. I recently received that validation letter. After reviewing this letter, it is clear that it is legally insufficient pursuant to the Fair Debt Collection Practices Act ( " FDCPA '' ). The office has not actually validated the debt and did not send any documents substantiating : ( 1 ) that I owe the debt, ( 2 ) the amount of the alleged debt ; ( 3 ) that it has the right to collect on the debt ; or ( 4 ) who the current creditor is.
The agency 's validation reads in its entirety : " In accordance with your validation request, we contacted your creditor and confirmed the following placement data is correct : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. '' It did not include any documents or substantiating information other than this " take our word for it '' statement.
If the agency had validated the debt, it would realize that I did not live at XXXX XXXX XXXX, XXXX XXXX XXXX in XX/XX/XXXX. I never received a bill or statement for this debt. I lived at another address and had lived there for nearly two years. Since then, I have lived in XXXX since XX/XX/XXXX. In other words, it 's trying to collect on a debt that I never knew about and for which I never received a bill. This debt may be some sort of identity mix-up or accounting error for all I know. The agency should have also realized that its representative was giving out misleading, deceptive, incomplete, and incorrect information regarding the character and ownership of the debt.
Additionally, in addition to the above FDCPA concerns, I am concerned that the collection agency is incorrectly reporting to the various credit bureaus in violation of the Fair Credit Reporting Act ( " FCRA '' ). |
Incorrect information on credit report | I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow. |
Incorrect information on credit report | I disputed with all XXXX credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX rep XXXX. I was told by XXXX agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX XXXX as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off. |
Improper use of my credit report | I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ...
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from?
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ...
Please help me with this matter ... thank you in advance ... |
Taking/threatening an illegal action | I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank. |
Credit reporting company's investigation | Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian. |
Incorrect information on credit report | Identity Theft Affidavit Fraud!! APPLIED BANK XXXX ....
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX.
XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. |
Communication tactics | Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam. |
Credit monitoring or identity protection | After 3 hours of XXXX communications with XXXX different TransUnion " Consumer Fraud Special Agents '' I am at wits end trying to understand how any parent in Virginia can possibly have the required documentation to enable a minor 's credit freeze. I am attempting to freeze the credit file of XXXX of my minor children.The following block of information details the elusive documentation in question : XXXX of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual : - Court Order- Power of Attorney ( not applicable for NY or TX residents ) - Written, Notarized and Signed Description of Authority ( not applicable for VA residents ) ; I have birth certificates, SSN cards, passports, other forms of identification, adoption decrees, and bills verifying my VA address, but what parent has any of the above listed " Proof of Authority ''?
The XXXX issue I had was with the attempted extortion of fees for the free service. The XXXX XXXX TransUnion representatives tried to collect {$10.00} to process the lock. The XXXX representative was the XXXX to acknowledge that the lock should be free. I have rejection documents claiming I submitted the documents, but failed to pay the {$10.00} fee. The site states : {$10.00} ( Medically incapacitated AND not a victim of ID theft ) Free ( Minor under age of XXXX OR medically incapacitated AND a victim of ID theft ) Boolean logic evaluates ANDs before ORs, thus it is free for minors under XXXX. |
Disclosure verification of debt | This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt. |
Communication tactics | On XXXX XXXX at approximately XXXX ( CST ), I received a call from an individual who identified herself as XXXX with IQ Data International. From the beginning of the conversation, XXXX took a very confrontational and demeaning tone as she attempted to " scold me '' for failing to answer her multiple calls from XXXX. I informed XXXX that, of course, I had no way of knowing the calls were coming from her and that in any event, I do n't answer calls from XXXX unless a voicemail is left. After informing XXXX not to speak to me in the manner she was speaking to me in, the conversation moved to the issue of the debt I owe to a former apartment complex. The initial balance XXXX provided me with was {$3500.00} and she immediately proceeded to ask me ( in a very rude and unprofessional tone ) how I wanted to pay the debt this month. I told her that I needed to first know what the breakdown of charges were. I feel that prior to asking me for a method of payment after providing me with the balance owed, XXXX should have first given me the breakdown of charges so that I could determine whether I needed to dispute any of them. XXXX seemed to take issue with the fact that I asked her to provide me with the breakdown of charges prior to giving her a method of payment, and she then proceeded to raise her voice and become extremely belligerent as I told her that the balance seemed high given that I should only owe 2 months of rent per the apartment complex 's policy ( I had already spoken with the management at the complex ). I attempted to inform XXXX that if she simply provided me with the breakdown of charges, there would be no need to argue because I could then confirm that I was charged in accordance with Texas law. After several attempts, XXXX finally provided me with the breakdown of charges. She then proceeded to rudely attempt to explain to me that the law did n't matter, that she had seen plenty of apartment complexes charge more than what I was being charged and that she had no idea why I was upset since I had obviously been given a break by the complex. I informed XXXX that the reason for my inquiry was not relevant ; the only concern she should have is that I have a right to inquire into the specifics of my debt and the specific reasons behind the charges. XXXX again told me that she had never seen someone argue about being charged less than what they owe and that she did n't understand why I was n't being charged the entire lease amount but that she was going to call the apartment complex and " find out why. '' I believed this to be some attempt at a veiled threat and at this point I informed XXXX that she could call the complex if she wished but that the billed amount would likely stand due to Texas 's landlords ' duty to mitigate damages from broken leases. XXXX continued to attempt to debate the law with me, finally prompting me to ask her if she was a lawyer. At this point, I had enough of XXXX 's condescending and demeaning tone as well as her multiple attempts to tell me what my rights were in a state which she likely has absolutely no knowledge of the law. I asked XXXX multiple times to speak with someone else and she told me several times that " no one in her office wanted to deal with me. '' Again, floored by her unprofessionalism and disrespect, I finally hung up the phone and called back to speak with a manager. he told me that I would have to speak with XXXX to set up payment arrangements. After being transferred, XXXX continued to be rude, prompting me to ask her if she took issue with me personally. She ignored the question and then told me that I would need to attempt to get a loan before I could set up payment arrangements. I asked her if that was a legal requirement or a policy of her company 's, and she told me that was none of my business as if I had no right to ask. |
Credit reporting company's investigation | I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n't and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify '' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That 's what identity theft is, the use of a person 's identity, personal information and anything else that is used to identify a person. If there was n't this use, it would be called something else. I 've attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it.
Please assist me to remove this fraudulent account from my credit report. Thank you. |
Can't repay my loan | I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her.
In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX.
In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance.
I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus.
This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}. |
Cont'd attempts collect debt not owed | I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient. |
Cont'd attempts collect debt not owed | Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address.
XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically.
I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency?
Name : Enhanced Recovery Address : XXXX XXXX XXXX.
XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to?
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not.
4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account.
5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX.
6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX.
Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt.
The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery. |
Disclosure verification of debt | Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all |
Cont'd attempts collect debt not owed | National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX |
Incorrect information on credit report | XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account. |
Taking/threatening an illegal action | I had an HSBC credit card that was opened in XXXX XXXX. The last date of activity on the account is XXXX XXXX, XXXX.
My husband was contacted by XXXX XXXX XXXX XXXX, XXXX in XXXX of XXXX regarding this account. He was told we needed to take care of this debt immediately or a judgement would be filed and we would be served. We both reviewed the account and knew it was beyond the statute of limitations. They continued to call and harass my husband at his office of employment. XXXX XXXX XXXX XXXX, XXXX NEVER contacted me directly even when asked to do so. They also made statements to my husband such as " I can see on your credit report that you are well off and can handle this debt. '' They were told to no longer contact us.
In securing a new mortgage, we discovered they had pulled my hard credit report in XXXX of XXXX regarding this account effectively damaging my credit rating.
I contacted them and spoke at length with XXXX XXXX on XXXX XXXX, XXXX. They indicated a judgement would be filed and that I needed to pay a total of {$1900.00} on a credit card account, past the statute of limitations, that had a balance of {$600.00}. I kept explaining the debt was beyond the statute of limitations and they could take no legal action. They indicated the last date of activity as XXXX XXXX. I corrected them several times as the date of last activity is in my credit report. They threatened that the next course of action would be to file a judgement and have that information corrected.
I ended the call after speaking with a supervisor. |
Unable to get credit report/credit score | I am allowed by law to request and receive a free credit report each year from each of the XXXX credit bureaus. None of them give me any trouble accessing this information online except Experian. Each time I request my report each year it tells me that they are unable to honor my request and that I must request it by mail by sending them a copy of a government issued ID card and one copy of a utility bill, bank, or insurance statements, which if intercepted by mail, places my identity at risk. However, if I accept their membership and agree to pay a fee, they will immediately allow access to my report online instantly. I feel Experian is denying my free credit report and trying to make me pay money for something I am already legally entitied to. |
Disclosure verification of debt | I called commonwealth financial at XXXX CST on XXXX/XXXX/2015 The agent said thank you for calling commonwealth asked me how I was, I responded I was blessed could n't complain. I then proceeded to advised i had paid the balance of XXXX through the automated system and that I was requesting my release. The rep proceeded to say you balance is XXXX dollars to combat me, without verifying my identity or giving me the mini miranda, both against the fdcpa standard. When I advised the rep of this the rep hung up in my face. I called and requested a manager so that I could advised I would be reporting the incident. |
Unable to get credit report/credit score | As a XXXX. Routinely, Experian denies my patients their free credit report online, requesting they send in a written request. I myself just requested my credit report, and I KNOW that I had all of the correct information to access my report, yet I was also told to submit a written request. Clearly, Experian is denying citizens their right to a free credit report. I noticed that XXXX plays the same game. This behavior not only needs to stop but be punished.
Thank you XXXX XXXX |
Incorrect information on credit report | I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XX/XX/XXXX and they have verification wrong so i can not check on status. XXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on? |
Communication tactics | XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX |
Improper use of my credit report | I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair. |
Incorrect information on credit report | I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis. |
Cont'd attempts collect debt not owed | XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX.
Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long? |
Unable to get credit report/credit score | This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely. |
Credit reporting company's investigation | On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified.
On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification.
So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied.
According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts.
Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon.
Regards, |
Credit reporting company's investigation | On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified.
On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification.
So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied.
According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts.
Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon.
Regards, |
Incorrect information on credit report | XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically.
I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency?
Name : XXXX Address : XXXX XXXX XXXX.
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to?
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not.
4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account.
5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX.
6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX.
Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX. |
Dealing with my lender or servicer | This is a letter that I sent to the companies describing what happened : First Associates Loan Servicing XXXX XXXX XXXX XXXX CEO Legal Department CEO Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Loan To Whom It May Concern : I am writing to you concerning my XXXX XXXX which seems to be lost in transition and I am not sure who hold this loan between your XXXX companies.
In XX/XX/XXXX, I received two letters from First Associates ( enclosed ) stating my loan would be transferred to XXXX. I made my XX/XX/XXXX loan payment to First Associates are required. XX/XX/XXXX I called XXXX to ask if I could make an electronic payment to the address listed on the letter and if I had a new loan number because I did not receive any documentation from XXXX. XXXX representative stated that I could not make a payment to them yet because my file had not been transferred but would be after XXXX.
In XX/XX/XXXX, I called XXXX because I still had not received any documents from XXXX. XXXX representative stated they could not take my payment because the files would not be transferred to its office until after XXXX XXXX. and that I should call back in XX/XX/XXXX. I then called First Associates to ask if I could make a payment to them and they stated no because my loan had been transferred.
In XX/XX/XXXX, I called XXXX and the representative stated that First Associates calculated the interest wrong on the loans. XXXX was requiring XXXX to calculate all loans again before any payment could be made and it should be complete after XXXX XXXX.
I called XXXX on XXXX XXXX and asked about the status of my loan. I specifically asked if I was being charged late fees and if the interest was accruing during this time period, since the problem was with the companies and because of nothing that I had done. I was told that information would be sent before XXXX XXXX to me and that no late fees or interest was accruing during this time period because XXXX was still calculating past interest that First Associates had not calculated correctly.
On XXXX XXXX, I received a call from a XXXX XXXX from XXXX and XXXX stating that my loan is in default and was sent to their collection agency in XX/XX/XXXX. He stated that the company sent me a letter XX/XX/XXXX which I never received and sent another one on XXXX XXXX which is enclosed. I told XXXX XXXX about the phone conversations I had with both First Associates and XXXX. XXXX XXXX stated he would look into the problem and get back to me.
After speaking with XXXX XXXX, I called XXXX to find out what was going on with my loan and why I was sent to collections. I gave XXXX representative my name ( who did n't even ask for the spelling of my last name ), he stated they do not have any record of my loan every being transferred. I then called First Associates who assured me that my loan had been transferred to XXXX and they could no longer assist me.
After speaking with First Associates, I called XXXX XXXX back to ask for a copy of my promissory note. The representative said that I could not wait on hold, I could not leave a message, and I needed to call back.
At this time, I have not received any information from XXXX nor have I heard back from XXXX and XXXX. I do not know who holds my XXXX XXXX. XXXX and XXXX said they received my XXXX XXXX in XX/XX/XXXX. At that time, I would have only been one month 's payment behind which seem very quick to send someone to collections who has been making all of their previous payments. Especially since I was told I could not make a payment to XXXX because First Associates did not calculate the interest correct and First Associates would not take the payment either. |
Incorrect information on credit report | XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets.
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine. |
Cont'd attempts collect debt not owed | I have received XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway! |
Disclosure verification of debt | Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report.
Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported. |
Cont'd attempts collect debt not owed | Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it. |
Cont'd attempts collect debt not owed | I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy. |
Communication tactics | I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky. |
Taking/threatening an illegal action | Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus. |
Incorrect information on credit report | Do n't ever recall having or doing anything in my life with XXXX banks or credit cards! |
Disclosure verification of debt | When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice.
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs.
I eventually relented and paid the {$99.00} sometime in XXXX XXXX.
My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception.
As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed |
Dealing with my lender or servicer | Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status. |
Cont'd attempts collect debt not owed | XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives. |
Cont'd attempts collect debt not owed | I cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments.
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day.
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue. |
Communication tactics | Portfolio Recovery calls with different numbers from XXXX XXXX to XXXX XXXX numerous times a day. They do not indicate what the debt is or who they are calling for. I have received no written notification other than repeated calls from them using different phone numbers for at least a year. |
Incorrect information on credit report | I have disputed an item on my Experian credit report 4 times within the last 6mos. The item is a public record judgement that should not be on my report because there is nor has there ever been a judgment against me for XXXX District Court or The Attorney General of Texas. I have submitted the verification documents attached to Experian and each time they come back with the item has been update, and they do not supply me with any documentation or proof that this account is my account or why. I have also sent them a copy of my closed child support order with a XXXX balance, and the item still remains on my report. I have called and asked for them to supply me with the vendor who is supplying the agency with the information and they refused to provide, i have also been hung up on 4 times when I request to speak with a supervisor. I would like to issue a complaint, investigaiton, and a dispute against Experian this account is not mine. |
Cont'd attempts collect debt not owed | 1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor.
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency.
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company.
8. The item is removed from my credit report.
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report.
Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor.
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago.
My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report.
I need your help to stop this once and for all. |