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Consumer Complaints by Product

With a focus on financial consumer protection and awareness, BadFinance.org is a nonprofit organization dedicated to provide financial analysis and advice to US consumers. Every days our financial professionals receive hundreds of complaints from the Consumer Financial Protection Bureau and compare complaint resolution trends to better inform financial consumers.


Consumer Complaints History

New Consumer Complaints


Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

March 28, 2019 - I have asked for validation from this account on my credit report and Medical Data System did not follow the FDCPA laws. Medical Data System is a third party company and need to follow the FDCPA laws not the FCRA laws. The FDCPA definition is : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. This is the letter that I sent to Medical Data System : Be advised this is not a refusal to pay, but a notice that your claim is disputed and val...

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

March 25, 2019 - - VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED - DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM -. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT REPORT...

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NATIONSTAR MORTGAGE Mortgage trouble during payment process

March 25, 2019 - I bought a house on an FHA mortgage back in -/-/-. It was a 30 year fixed loan from - - -. Around a year and a half into my mortgage, it was sold to Mr Cooper ( then Nationstar Mortgage ). Nationstar is saying that my 30 year loan started when it was resold to them, not at the original time the loan was taken out. That's around a $15000.00 difference in payment schedules. I have all the original lending disclosures from - saying my last payment will be in -/-/- and Nationstar is saying that my last payment will be in - or -/-/-. That's a HUGE discrepancy tha...

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Ability Recovery Services, LLC Debt collection written notification about debt didn't receive notice of right to dispute

March 24, 2019 - -/-/2018 amount owed $350.00...

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NCC Business Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

March 17, 2019 - My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of $2500.00 I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible....

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Debt Recovery Solutions, LLC Debt collection attempts to collect debt not owed debt is not yours

March 16, 2019 - On Thursday, -/-/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for -. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted - account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is -, and I'm - - has the correct information, whereas their...

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CCS Financial Services, Inc. Debt collection written notification about debt notification didn't disclose it was an attempt to collect a debt

March 14, 2019 - See thru - - that - is showing a debt ( - doesnt have this on their report ) from a company called - - - for - in the amount of $640.00. I have disputed this on -/-/-, -/-/- and -/-/- as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in -/-/-. Again I am not aware of this as I have not gotten any information on it....

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Shellpoint Partners, LLC Mortgage trouble during payment process

March 12, 2019 - - - bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number - and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, - - in - - compliance department have have received no call back from multiple voice messages....

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WELLS FARGO & COMPANY Mortgage trouble during payment process

March 8, 2019 - I have been a customer of Wells Fargo for many of years since -. I set up for my mortgage company to draft my payment on -/-/- and -/-/- from my Wells Fargo account.They drafted payment on -/-/-. I spoke with - at Wells Fargo yesterday evening and she informed me that my mortgage was sold to - in California on -/-/-. I did not received any notification from Wells Fargo. I get all my mails and statements from them. I am currently in bankruptcy and paying arreages. I am concerned about what to do. I know I will contact my attorney, but how can I be sure this is corre...

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Harris & Harris, Ltd. Debt collection attempts to collect debt not owed debt is not yours

March 7, 2019 - About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. The most recent call came in on -/-/19 at - -....

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ProCollect, Inc Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

February 28, 2019 - I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online....

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ProCollect, Inc Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

February 26, 2019 - I received a call at - -. on -/-/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative...

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ATG Credit, LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

February 11, 2019 - I routinely check my credit report for updates and inaccuracies. I checked my report during the week of -/-/- after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both - and - had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what ...

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Harris & Harris, Ltd. Debt collection attempts to collect debt not owed debt is not yours

February 9, 2019 - A message from Harris Debt collection at phone number -. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam....

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LAKEVIEW LOAN SERVICING, LLC Mortgage trouble during payment process

January 31, 2019 - I sent a check for $2900.00 to - on -/-/-. I called 2 weeks later to check on bill and receipt for the $2900.00. The mortgage co. said they put the money on 3 house payments in the future with $120.00 left overbalance. I said that was wrong and I filled out bill for a principal payment of $2000.00 plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until -/-/- bill came only one with tax infor...

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MNS & Associates LLC Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

January 29, 2019 - Called family members claiming I used them as reference on credit application, asked them for my Social Security Number and address....

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JH Portfolio Debt Equities, LLC Debt collection threatened to contact someone or share information improperly contacted your employer

January 28, 2019 - Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact me....

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AMERICAN ADVISORS GROUP Mortgage trouble during payment process

January 28, 2019 - Wife and I took out reverse mortgage -/-/-. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died -/-/- .Submitted required docs. to AAG -/-/- was told by phone everything was fine. Problem arose with home owner ins.around -/-/- per AAG .Home could not be insured because of damaged roof. I pointed this out to - - upon home inspection -/-/- .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help w...

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Key 2 Recovery, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 25, 2019 - I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop....

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ERC Debt collection attempts to collect debt not owed debt is not yours

January 25, 2019 - - - is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on -/-/- to get the issue resolved but no one would help me. They are reporting this account as of -/-/-...

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LAKEVIEW LOAN SERVICING, LLC Mortgage trouble during payment process

January 24, 2019 - My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website, and they also charge me late fees after only a couple days from the - of the month. So, I went from always being current on my mortgage to always being late and charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being...

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Helvey & Associates Debt collection attempts to collect debt not owed debt is not yours

January 23, 2019 - While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer - -. My name is - -. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted....

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Alpine Credit, Inc Debt collection attempts to collect debt not owed debt is not yours

January 22, 2019 - I had a medical debt that should have been paid by medicaid but it wasn't. Now i have not one but 2 duplicate collections on my credit report from different companies for a debt that i never should've had to pay to begin with....

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WELLS FARGO & COMPANY Mortgage struggling to pay mortgage

January 16, 2019 - I submitted an application for a loan modification in -/-/-. I was rejected without cause on -/-/-. I file a complaint with CFPB and was just informed today -/-/-, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of -/-/- without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale ...

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Master Finance Company Debt collection attempts to collect debt not owed debt is not yours

January 14, 2019 - After reviewing my credit profile on -/-/- I identified a discrepancy with account listed under Master Finance. I requested a validation on -/-/- as there was an account that I did not recognize. I reviewed my credit report again on -/-/- and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on -/-/- I sent a direct dispute to - -/- requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Cred...

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ProCollect, Inc Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 9, 2019 - This company has threatened me and placed fraudulent collection on my credit report....

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WAKEFIELD & ASSOCIATES, INC. Debt collection attempts to collect debt not owed debt was paid

January 9, 2019 - I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please help...

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Convergent Resources, Inc. Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 4, 2019 - Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are -/-/2019 at -, -, -....

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 3, 2019 - FTC NOT MINE REMOVE...

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MJ Altman Companies, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

January 2, 2019 - In response to CFPB:- This dispute is not about my -.Validation of people using my information is not a proper investigation, do not just put into -. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account r...

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WAKEFIELD & ASSOCIATES, INC. Debt collection communication tactics frequent or repeated calls

December 31, 2018 - Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. - the phone number and saw several reports of it belonging to - - -. I can provide screen shots of the call logs from my phone....

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Penn Credit Corporation Debt collection attempts to collect debt not owed debt is not yours

December 28, 2018 - I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is -. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop....

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Hunter Warfield, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 28, 2018 - I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : -/-/- Hunter Warfield Inc reports debt owed to credit agencies of - -/-/-Debt Validation Letter sent to Hunter Warfield requesting a response within 30 days -/-/- I received statement restating the alleged debt -/-/- sent response citing - - -...

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HCFS Health Care Financial Services, Inc. Debt collection communication tactics frequent or repeated calls

December 27, 2018 - THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT E-IST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME....

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ERC Debt collection communication tactics frequent or repeated calls

December 21, 2018 - Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am - and wife is - and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of $500.00 for each phone call. My FICO score is - and no bad credit in my credit report for last 25 years or longer!...

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M&T BANK CORPORATION Mortgage struggling to pay mortgage

December 19, 2018 - We're two months behind on our payments with our mortgage company. We have tried working with them but they refuse to work with us. We have 1 full mortgage payment plus the late fee and extra. Its not the full 2 months owed but they refuse to take the money until we have the full 2 months worth. Which is just ridiculous because then we get even farther behind in payments while they wait. It is very hard to fix anything with this company when they will not budge at all. We tried to get a loan modification earlier in the year and they denied us because they kept saying they didn't receive the do...

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

December 18, 2018 - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- - - - Last reported : -/-/- Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such pers...

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Ditech Financial LLC Mortgage trouble during payment process

December 17, 2018 - Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from - - stating that payment had not been received. I contacted - around -/-/- and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter -/-/- stating payment not paid. Again I called - and they said the billing had been sent. Ditech has a balance of $1900.00 in our impound account ; they owe - $1200.00. They should be communicating with each other, not me. I am obliga...

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Action Collection Service Debt collection communication tactics frequent or repeated calls

December 17, 2018 - Action Collection Services out of -, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwor...

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 15, 2018 - This company - - - sent me correspodence in the mail stating that i owe them $100.00. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined contract stating that i did buisness with - - -....

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WELLS FARGO & COMPANY Mortgage struggling to pay mortgage

December 14, 2018 - Back in -/-/- I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # - for which Wells Fargo said I was denied back in -/-/- now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a - - - Ext - tells me that i was accepted for a loan Mod but I never received the paper work back in -/-/- because they could never find my paper work. So which one was it Denied? or Accepted? Funny th...

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 5, 2018 - I have repeatedly tried to fix this problem with - - -. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some cont...

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Shellpoint Partners, LLC Mortgage trouble during payment process

December 4, 2018 - -/-/18 I submitted a payment from my account for my mortgage to - - -. Today looking at my bank statement - - double charged my account, causing an overdraft, although I submitted payment once. I contacted - -, and they denied this occurred....

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Capital Accounts, LLC Debt collection false statements or representation attempted to collect wrong amount

December 4, 2018 - CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements ...

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NRA Group, LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

December 3, 2018 - On -/-/18, I received a telephone call from -, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I...

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FCI Lender Services Inc. Mortgage trouble during payment process

December 1, 2018 - I purchased my FHA home loan in -. I lost my federal government job in -. - - - sold the loan in - ; to - - ; due to delinquent payments. -, - sold the loan to an - ; due to delinquent payments. The alonge note is not the original ; as I purchased the loan in -. The Lender has converted my FHA loan to a conventional loan. The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. I was never notified that I no longer had a FHA loan...

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Universal Fidelity LP Debt collection written notification about debt didn't receive notice of right to dispute

November 30, 2018 - I have already submitted a complaint about this mailorder through - - that I did not order last week. I told you in the complaint details about this bogus order I did not place and how I have already sent them a affidavit to cancel the account and harassment well since then I received the 3 attachments I will attach to this complaint...

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ERC Debt collection written notification about debt didn't receive enough information to verify debt

November 29, 2018 - This company has reported on my credit an amount $470.00 without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred -/-/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf....

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Capital Accounts, LLC Debt collection attempts to collect debt not owed debt is not yours

November 29, 2018 - My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with - and -? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. Again in - alone I have disputed this char...

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 24, 2018 - This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows - - - for $530.00. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company...

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ECMC Group, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

November 24, 2018 - ok this is - - - I writing this complaint on - - - - - - -, - - -, CA -.. ok I received a debt today -/-/2018. stating I owe a debt principal balance - interest - plus there fees and cost of - total balance -.. Now this is a lie I don't even know any think about this debt.. first this is a violation of the fair credit reporting act .because they brought some back dated debt because my credit has been good and clean for 5 years now. I had a - credit score till they pulled it down low ... second they never tried to contact me on the ph...

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Turning Point Solutions LLC Debt collection communication tactics frequent or repeated calls

November 22, 2018 - - - - is calling not only my number, but also the numbers of relatives. This is not acceptable. They are calling from - - - and leaving a call back number of - - -. The message says it is regarding a debt. I have no knowledge of anything owed to this company ( I may have some other debts but I don't know about this one )....

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SUNTRUST BANKS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

November 22, 2018 - Creditor is reporting accounts that are invalid and unverified. - have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again....

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RP FUNDING INCORPORATED Mortgage trouble during payment process

November 19, 2018 - After the hurricane of -, I called RP Funding to pay over the phone because their website was down. At that time I was offered 3 month forbearance since My account was current and I had experience property damage. I was told that the 3 months payments would be added to the end of the mortgage, that no fees would be incurred and there would be no effect to my credit. When I tried to pay for -/-/- as I was told my next due date would be, the website was still not functioning so I called the company again to make the payment. The agent who took my payment apologized for the inconvenience,...

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Orions Management Group, LLC Debt collection threatened to contact someone or share information improperly contacted your employer

November 16, 2018 - Someone by the name of - - contacted my job on -/-/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office....

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Eastern Account Systems of Connecticut, Inc. Debt collection communication tactics you told them to stop contacting you, but they keep trying

November 14, 2018 - Back on -/-/18, I was contacted by - - - - They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some - ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. This morning ( -/-/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling t...

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Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 8, 2018 - This debt is reported in my credit report and I had no knowledge of it. It does not belong to me....

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R & B Corporation of Virginia Debt collection attempts to collect debt not owed debt is not yours

November 8, 2018 - In - of 2018, I sent a certified letter to - - - which was received on. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question or - - -. - - - has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of - - -. - - - is in violation...

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Ideal Collection Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 8, 2018 - In response to your response from previous report number : - about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated -/-/- and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my -/-/- response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents tha...

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Hunter Warfield, Inc. Debt collection written notification about debt notification didn't disclose it was an attempt to collect a debt

November 6, 2018 - To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe - or my account was charged off $1900.00 ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any n...

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