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Cont'd attempts collect debt not owed | I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. |
Dealing with my lender or servicer | On XXXX XXXX, XXXX I submitted documentation to ECMC, in accordance with their internal policy and the XXXX protocol, requesting student loan discharge due to false certification and id theft. I included a letter of material fact - examining the nature of my dispute and the history of my forced compliance with ECMC, multiple certifications of my signature ( including my government issued identification and social security card ) along with my police report citing the XXXX fraudulent accounts ECMC currently holds under my name and social security number.
Still, ECMC has continued to insist I have not fulfilled the requirements of discharge because I have not submitted a " court judgment '' indicating I am the victim of fraud.
Herein lies the problem. No person has been arrested or prosecuted for the illicit activities arising from my personal information having been compromised. I have fortunately not been wrongly charged for a crime due to the illegal usage of my personal information. XXXX of these conditions must be applicable in order for me to petition for a " court verdict '' or submit a request for certificate of identity theft judicial finding of factual innocence.
Until XXXX of those conditions is satisfied, I can not provide a copy of any court judgment. This, however, does not nullify my claim or disqualify me from submitting other means of proof ( which I have ) to have the fraudulent loans discharged. According to Federal Regulation 34 CFR 682.402 ( e ) ( 14 ) ( ii ) ( A ) and ( B ) I am entitled to submit " authentic signature specimens and other means of identification corresponding to the means of identification falsely used to obtain the loan '' to qualify for loan discharge due to identity theft in lieu of a court judgment.
Not only have I filed a report with the Federal Trade Commission, my local police department the ECMC Ombudsman, the XXXX Ombudsman and contacted the XXXX credit bureaus, I have ( barring the impossibility of a court verdict ) followed ECMC 's instructions precisely. It is an act of willful non-compliance that ECMC has not abided by the XXXX regulations and discharged these fraudulently obtained loans.
I formally request that ECMC close these XXXX accounts, remove them from my credit reports and provide restitution of the {$9400.00} taken from me. Remuneration can not restore the years of damage done to my credit, nor retrieve the expenditure of time lost in arguing my case with the loan guarantor and originator, nor mitigate the stress, but the monies rightfully belong to me and should be returned.
The following is an excerpt from XXXX of the letters I submitted to ECMC : In XXXX, after being notified by my employer that my wages were to be garnished for student loans I never applied for, from colleges I never attended, I called the guarantor of the loans and spoke with a representative that offered no alternative but a repayment plan or a prolongation of wage garnishment ( though I vehemently informed the representative I was not the responsible party, had no knowledge of said loans and was not even living in California at the time the student loans were opened ). I initially refused to pay for the loans, and in turn, monies were taken from my salary and tax refunds. I was young and uninformed. It seemed I had no recourse in the matter. I finally and begrudgingly acquiesced, in XXXX XXXX, to entering a rehabilitation program for the fraudulently filed loans when yet again, after filing my taxes, another {$430.00} was taken from me as an IRS offset. Not until this year, after having upwards of nine thousand dollars taken from me, did I learn I could file for discharge due to id theft. And even now, after submitting all I can, ECMC continues to keep this matter unresolved. I am downright exasperated. |
Improper contact or sharing of info | A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down! |
Cont'd attempts collect debt not owed | I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX.
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations. |
Can't repay my loan | I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him. |
Can't repay my loan | I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all.
I am VERY unhappy. |
Improper contact or sharing of info | After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income.
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead.
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing.
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt. |
Cont'd attempts collect debt not owed | united revenue corp. account # XXXX is on my credit report and i have no idea who they are or what they are trying to collect. after contacting them in writing 2 times i have never received a response |
Communication tactics | In violation of its XX/XX/XXXX Consent Decree with the FTC, Allied Interstate contacted me at XXXX XXXX ( EST ) on XXXX. XXXX, XXXX. Identified as debt collector from Allied Interstate. Proceeded to determine that I had forgotten about some of the student loans I had taken out. Caller then went on to state that the Dept of Ed had identified my employer and they could/would garnish wages if I do not resolve the default.
However I have been unemployed and on social security XXXX since XX/XX/XXXX and therefor the caller was clearly making a false statement in the hope of spurring my compliance with his wishes. I informed that he was not dealing with me honestly ( " XXXX '' ) and told him I would not deal with someone who can not deal with me honestly. |
Cont'd attempts collect debt not owed | I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. |
Cont'd attempts collect debt not owed | This Debt was is not owed and listed under XXXX of XXXX and I am on XXXX and all labs are paid for each visit and I talk to lab first and they said all my debt was paid in full, but the collection company Medical Data Systems Inc wo n't take this off my credit report and I have called them to get them to call the creditor and they want do it and I ca n't get them to do their job by checking information correctly because it appears on my credit report. |
Incorrect information on credit report | Identity was stolen and inaccurate information is being reported by credit bureau 's. |
Can't repay my loan | I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to.
For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be.
For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it.
I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do! |
Cont'd attempts collect debt not owed | On XXXX/XXXX/15 we began to receive phone calls at our home from XXXX XXXX of Debt Recovery Solutions calling for a " XXXX '' XXXX. A message was left on our answering machine stating that if we are not that person/do not know that person to visit their website at : www.drssol.com or call XXXX to remove our number. We could not locate the website, so my husband called the XXXX # and left our phone number asking it be removed.
On XXXX/XXXX/15 at XXXX & XXXX XXXX. we received the same phone call/message. Again, my husband called the XXXX # and left our phone number asking it to be removed and the calls to stop.
On XXXX/XXXX/15 at XXXX XXXX. we again received another phone call, same message and once again my husband called the XXXX # and left a message to remove our phone number and to stop calling.
There is no " XXXX '' XXXX at our home phone number and we do not know a person by that name.
This is not a live person placing the call from Debt Recovery Solutions, but a recorded message, saying they are debt collectors and attempting to collect a debt. |
Incorrect information on credit report | I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. |
Incorrect information on credit report | well lets see I have been disputing fraudulent reports they put on my credit report out dated in formation been XXXX.5 years ago was deleted back on then XXXX auto loans not mine been deleted back on XXXX paid of loans deleted my paid of mortgage paid of in XXXX XXXX deleted XXXX inquires not mine under fraud alert with incorrect phone number XXXX not mine never has been mine mine is XXXX I put on security freeze and fraud alert back in XXXX XXXX I have n't seen credit report till XXXX XXXX XXXX in 13 months and trying too dispute stuff not mine even stuff put on in XXXX I knew nothing of it due too Equifax do n't follow the fcra they will tell you that too as well I just mailed out disputes off XXXX items that are not me period mailed out XXXX XXXX XXXX I know it takes few days too get there but they have 21 days too the date too dispute them items that are not mine they removed on there on free will I did n't know I never seen my credit report all I got was emails from them for {$20.00} I can see them they wanted money I wanted results according too the fcra and the fdcpa and the cfpb they have too send me hard copies there was XXXX inquiries on there how it was frozen under the state legislature I thought its frozen I pulled from the Equifax credit monitoring it showed XXXX blank page but it hade fraud alert with XXXX hows that I have called them too put my number back on XXXX she told me they do n't do that I said why in the consumer and identity victim she laughed at me told me sorry about your luck but we do what we want as we want I asked her they sent me paper work for me too mail my dl and bill I did back in XXXX XXXX XXXX it took till XXXX XXXX XXXX too get it hard copy finally after 14 months I called them tried too do dispute over the phone with confirmation number they said they do n't do that no more I told her I said you are supposed too as im signed up with you as member you laughed hung up on me I got another lady got her id number told me they have a lot of complaints about her and few other not wanting too dispute on the phone are on line im blocked on line due too fraud alert and security freeze I asked her can she help she said they were so busy due too the weather she would get me hard copy out fast and get back in they get on it and I told her its the first time since I seen my credit report in 14 months she said they have been going out I told her where she said it was private information im the victim where she told me her manager would n't let her help me im XXXX veteran she felt bad she told me hang in there I cant hang in there I have ton of inquires dated for XXXX and XXXX hows that possible due too the security freeze and fraud alert they must call freeze want let you see your credit report please help me I went from XXXX know too XXXX hows that possible this is my credit history and know these days everything has gone too credit XXXX you almost cant buy pack of gum with out credit im veteran please help me thanks |
Incorrect information on credit report | I have been disputing incorrect information on my XXXX & Trans Union credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. Both creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction. |
Incorrect information on credit report | Majority of delinquent accounts occurred over 7 years ago. All current accounts are paid on time etc. I thought delinquent accounts stay on credit report for a maximum of 7 years. I am trying to be a first time home buyer and now have been on the job for 3 years and earn XXXX a year. I have almost XXXX in assets and ca n't get an FHA loan because my credit score is XXXX and not XXXX. I would like to use more colorful words to describe this, but I do n't want to offend anyone. |
Improper contact or sharing of info | This company called my Human Resources person at work telling them that I owed them money, and that they wanted to serve me court papers at work. |
Cont'd attempts collect debt not owed | Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX. |
Cont'd attempts collect debt not owed | I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!! |
Communication tactics | Receive daily calls from a company named Portfolio recovery. The first time which was 2 months ago I was met with threats of legal action, but I do n't know what the debt is for and could not receive an answer over the phone. Furthermore, they have called relatives in other states, claiming they have to pay my debt if I do n't pay. Please stop this company from harassing people who are debt free. |
Cont'd attempts collect debt not owed | I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago. |
Cont'd attempts collect debt not owed | I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. |
Taking/threatening an illegal action | This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop. |
Communication tactics | Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company.
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number. |
False statements or representation | I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action. |
False statements or representation | Lawyers at this law firm ( XXXX ) sent me a letter stating they were hired by this bank ( XXXX ) to prosecute legal proceedings to enforce the security interest, collect a debt on my mortgage. and filed affidavits in court declaring they were hired to collect a debt for this bank and filed an foreclosure in the banks name. This bank never had a loan on my property because it was paid out before the banks merged. About two years after contacting the bank the filed a affidavit stating the bank did not hire nor pay this firm to file the foreclosure. Once I contacted the bank the firm tried to get it dismissed and erased from record. |
Cont'd attempts collect debt not owed | In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my debit card ... but since it was still pending ... the bank was able to block the withdrawal. I placed a fraud alert on my credit reports and I got a new driver 's license and then ended up getting a XXXX one with my new name since I had married.
Last week I received a letter from Meade & Associates attempting to collect on a debt from XXXX checks written on my old account with my old drivers license name starting in XX/XX/XXXX. I called and spoke with XXXX XXXX and he agreed that everything was done correctly, I just needed to send him the information from my bank and the police report along with my current drivers license. I requested that he send me copies of the checks that were written, which he did. I went to my bank and they did not have anything specific since nothing actually went through my account at the time. However, they new I had closed that account and reopened the new one and that I had presented them with a police report. They wrote me a letter to give to XXXX XXXX and I was able to retrieve the police report online. Monday, XXXX XXXX, I faxed both of these documents along with my current drivers license, my actual signature, as well as the new police report number for the case filed with the forgery/fraud department. I followed up with a call to XXXX XXXX on Tuesday and was informed he was not available, but they would have him return my call. I called Wednesday afternoon and was then told that he had left early that day without returning my call. I asked if anyone else could help. I was transferred to XXXX. She obtained the documents that I had faxed and I explained to her I wanted to finalize clearing this ordeal. She became hateful and kept saying she needed documents that I she already had. She stated I still needed an affidavit from my bank stating I did not write the checks ... she refused to listen to anything I had to say and acted is if it did not matter what I sent ... it was n't going to make a difference. At that point I definitely became angry and she told me to never call that office again. I called my bank and told them what was going on and they stated that XXXX did not know what she was talking about because the bank never had me sign an affidavit because nothing had actually gone through my account since I had immediately blocked all transactions due to closing the account. The check transactions even clearly say that when they were processed there was no account found. I am currently waiting for my case to be assigned to a detective ... but I am filing reports and claims to help prevent any more aggravation from this company and hope they will learn that you ca n't treat people like criminals when they are the victims in some circumstances ... especially when they present facts and proof. |
Incorrect information on credit report | I have been disputing with Experian for over 1.5 years for inaccurate reports and fraudulent reports and XXXX loans that was deleted then put back on and I have fraud alert with security freeze with my number some one changed my fraud alert phone number and put there number in there mines was removed and I have sent out numerous stuff too Experian will not follow the fcra are the fdcpa they want proof I sent proof XXXX times they still allow it too happen I need help please I have good credit know its been destroyed Equifax would n't send me credit report for 14 months and transunion want remove the fraudulent inquires that 's why hade fraud alert think XXXX on XXXX/XXXX/XXXX XXXX called me yes called said my fraud alert phone number hade been tampered with did n't match from XXXX XXXX XXXX fraud alert number supposed too be XXXX been like that since XXXX XXXX know XXXX XXXX XXXX its got number showing up as XXXX its not me I have sent proof too Experian XXXX times XXXX times even copy of my dl and my cell bill with my correct number XXXX I have XXXX inquiries on XXXX for what and why XXXX do n't remove inquiries you allowed them and you need too remove them that was the purpose of the fraud alert and security freeze and Experian has been notified as well theres also like XXXX as of today XXXX/XXXX/XXXX XXXX has XXXX I have been locked out from them it seems the credit bearus remove positive and want remove negative as result when its not yours they know that I have asked Experian and XXXX and XXXX almost 1.5 years item verify too consumer they want if they cant get the offending report on the partial account too show proof then is automatic delete its 21 days they been doing this know one year from XXXX XXXX too XXXX XXXX XXXX so upset I have numerous auto loans that are not mine XXXX yes other XXXX no then XXXX I paid off my mortgage in XXXX XXXX sum of {$85000.00} in form of check Experian allowed too stay on but XXXX removed it and XXXX removed why I did n't dispute that nor would I ever try that that 's positive account good faith then I paid of XXXX trucks XXXX in XXXX XXXX sum of {$28000.00} and XXXX XXXX XXXX sum of {$37000.00} in full XXXX deleted it and XXXX as well why I did n't request that nor was it disputed and XXXX XXXX I paid of another loan with tcc {$32000.00} deleted buy Experian XXXX XXXX why XXXX XXXX XXXX deleted ally loan deleted why I called asked them why they said it was fraud loan I told them was not fraud loan them loans were mine in good faith I have the contracts but theres XXXX fraud loans opened wright know on Experian and XXXX on XXXX that 's not mine as I explained too them they laughed at me hung up XXXX me I called with case number they said they closed it it was joke on me hows that joke on me its my life here were talking about I have maintained great credit some one has stolen my identity I put on security freeze some one removes it I have tons of inquiries the credit bearus want help me they told me pretty much stop disputing it it says it on report with Experian item updated your dispute will not be processed are you kidding me I got letters from the ftc fraud they let you print out for fraud report heres XXXX was deleted put back on XXXX XXXX XXXX partial account number XXXX these are supposed too have XXXX numbers auto loan {$29000.00} not me that 's why it was deleted back on XXXX limit {$300.00} deleted act XXXX back its not me please help me im being frauded with fraud alert thanks XXXX |
Cont'd attempts collect debt not owed | We made several attempts to speak to someone at Portfolio Recovery Associates these past few months. In every attempt this company would hang up on us. This debt was settled by XXXX back on XXXX/XXXX/14 and signed by XXXX XXXX an associate at Portfolio Recovery Associates. They are now trying to collect the remaining balance even though they agreed to a lesser amount. We have the PDF from XXXX of the settlement amount signed by XXXX XXXX, a representative from Portfolio Recovery Associates. This has been negatively affecting our credit for over a year now. |
Incorrect information on credit report | Why is this account in my credit report? It was paid in full in 2013. XXXX is ruining my credit report! |
Incorrect information on credit report | I paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks |
Taking/threatening an illegal action | Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid |
Cont'd attempts collect debt not owed | Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. |
Incorrect information on credit report | My address is listed twice on my credit report and XXXX of them is incorrect by XXXX digit for an unknown reason. There is no dispute option with the credit reporting company for simply information appearing incorrectly. Please see the attachment of an image from my credit report where the information appears incorrectly. Due to not disclosing any personal information, I will not specify which of the addresses is the correct XXXX, yet. Please let me know how to proceed. Thank you. |
Communication tactics | I wrote to XXXX, asking them to stop calling. XXXX calls me every day. Each time, they use a different phone number |
Disclosure verification of debt | I received a letter from Dynamic Recovery today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters. |
Incorrect information on credit report | I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction. |
Unable to get credit report/credit score | i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible. |
Can't repay my loan | XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay. |
Communication tactics | Calling daily. Calls are made by a robot. This is evident because there is no one on the line when I answer the phone. When I do answer, the person talking to me refuses to disclose that they are a collections agency. I spoke this morning with " XXXX '' and to " XXXX, '' both of whom refused to tell me what the call was referring to and required my phone number after which they would transfer me to another representative. I refused to give my information to them. XXXX hung up on me. She refused to give me the company name and address. She refused to allow me to speak with a supervisor. XXXX gave me an address then agreed to transfer me to a representative but instead I was disconnected. |
Cont'd attempts collect debt not owed | XXXX sent me a letter stating I owed over {$320.00} for a debt through PayPal Smart Connect, a credit line through PayPal that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from PayPal Smart Connect stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and PayPal Smart Connect because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me. |
Improper contact or sharing of info | Keeps calling even after I told them we do not know " XXXX ''. |
Cont'd attempts collect debt not owed | I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them. |
Cont'd attempts collect debt not owed | I do not owe this company any money. In fact they owe me money |
Credit monitoring or identity protection | Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage.
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation.
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work.
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix. |
Incorrect information on credit report | there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail. |
False statements or representation | The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX.
I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly.
The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure.
As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation.
We have attempted contacting the credit bureaus as well and have been unsuccessful. |
Disclosure verification of debt | Portfolio Recovery has been reporting a collections account with the XXXX bureaus for quite come time without my attention. To my recollection, I have never been contacted about this debt - with validation or to pay. I recently sent them a letter on XXXX XXXX for verification of debt. PRA did not respond within 30 days, therefore, I sent a letter to all XXXX bureaus PLUS PRA on XXXX XXXX to delete the account due to no verification of debt/no response within 30 days. PRA is now re-reporting the collection on my account as of the most recent check on XXXX. |
Incorrect information on credit report | account reported as discharged through bankruptcy chapterXXXX but actual the status comment should say paid, closed/never late |