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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


I.C. System, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 5, 2019 - I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad...

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McCarthy, Burgess & Wolff, Inc. Debt collection threatened to contact someone or share information improperly contacted your employer

December 4, 2019 - I explained several times not to call to my place of work and they keep calling and is causing me problems....

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

December 2, 2019 - -/-/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated -/-/2019 from a collection agency by the name of Convergent Outsourcing , Inc . This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. The charges are fraudulent, and they are claiming that I owe a company by the name of - - , - $8000.00. They have also listed another company by the name of - - - as the supposed Original Creditor. I want to report this collection agency, as well as it...

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Ditech Financial LLC Mortgage trouble during payment process

November 29, 2019 - I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of -/-/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me....

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FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection attempts to collect debt not owed debt is not yours

November 27, 2019 - - -2014 fair collections and out - - @ - - - $6500.00 I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say i...

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Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft

November 26, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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ATG Credit, LLC Debt collection written notification about debt didn't receive enough information to verify debt

November 26, 2019 - I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process....

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AmeriCollect Debt collection attempts to collect debt not owed debt was result of identity theft

November 26, 2019 - THIS IS IN RESPONSE TO CFPB : - YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING - AS THAT IS IRRELEVANT. -, - SOC SEC # - DOB -/-/- ADDRESS - - - - - -, -, FL - TODAYS DATE:-/-/- AMERICOLLECT - - To Whom It May Concern : Please be advised that I have received your correspondence dated -/-/- This is not a refusal to pay or a cease notice, but a notice t...

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft

November 25, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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First Federal Credit Control Debt collection attempts to collect debt not owed debt is not yours

November 25, 2019 - I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. Please apply these laws to my accounts the fair debt collection practices act law 111-203, title - 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report....

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AmeriCollect Debt collection communication tactics frequent or repeated calls

November 24, 2019 - Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment....

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

November 23, 2019 - THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE....

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MJ Altman Companies, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 21, 2019 - THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE....

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

November 21, 2019 - THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE....

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

November 21, 2019 - Ability Recovery services have created a derogatory account on -/-/2019 and -/-/2019 according to -. On -/-/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits. The letter was as follows : - - - - - - - - - NY - -/-/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC - - - -, PA - Re : Your Abusive and Malicious Condu...

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Eagle Accounts Group, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 18, 2019 - Child support has an account on my credit that is not mine/inaccurate....

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Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

November 14, 2019 - Identity Theft...

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

November 14, 2019 - checked my credit report and noticed collections that is not mine ... victim of identity theft!...

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Idaho Housing and Finance Association Mortgage trouble during payment process

November 14, 2019 - On -/-/- I made my payment to my servicing company, HomeLoanServ, also known as Idaho Housing and Finance. On the - of - I reached out to just double check that my payment had been added to my account. It had not. I reached out to them via a phone call and email. I got a response back saying the issue would be resolved if I could provide proof I had in fact made my payment. I provided multiple screenshots as well as get the appropriate documentation from my bank. I received no response for a week. I reached back out on the - and was told that this was an issue on their ( HomeLoan...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours

November 13, 2019 - - - account on my credit report that I have no idea about...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

November 13, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Strategic Alliances, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

November 13, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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

November 13, 2019 - On - - 2018, my credit report showed collection ... Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV. I have never had anything to do with them....

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WELLS FARGO & COMPANY Debt collection attempts to collect debt not owed debt was result of identity theft

November 12, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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I.C. System, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

November 12, 2019 - I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!...

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McCarthy, Burgess & Wolff, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 12, 2019 - This company is claiming myself and my husband owe money to 5 llc 's in nevada for a total of $2900.00. This is the collection company info- Mcarthy Burgess and Wolf-- - - - - - - - - - - , Ohio - Phone - Fax - I looked up each LLC - below -and each company has been out of business since -/-/-. Invoice ( s ) : -, - ( NV ) | -, - ( NV ) | -, - ( NV ) | -, - ( NV ) | Balance Due : $2900.00 MBW No : - I have asked for the original dates that the debts were incurred and the contact information for each company - t...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection written notification about debt didn't receive notice of right to dispute

November 12, 2019 - View all accounts - - - - Opened -/-/2019 - $150.00 Original creditor : - - - Overview You've paid off 0 % of your collection amount. Balance $150.00 Highest Balance $150.00 Opened -/-/2019 ( 5 mos ) Account status Open Type - Responsibility Individual Remarks Placed for collection Original Creditor Name - - - see an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving - -. DISPUTE AN ERROR Creditor Information - - - - - - - -, MN - ( - ) - - - - Opened ...

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Professional Debt Mediation, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

November 11, 2019 - Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. Debt Collector : PROFESSIONAL DEBT MEDIATION - - - - - -, FL - - On behalf of company by the name of - -...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

November 10, 2019 - Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number -. I have never done business with - - -. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

November 10, 2019 - Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number -. I have never done business with - - -. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609...

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JH Portfolio Debt Equities, LLC Debt collection attempts to collect debt not owed debt was result of identity theft

November 10, 2019 - I received two notices for debt collection from Credit Control LLC dated -/-/2019 and -/-/2019. On -/-/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On -/-/2019, I sent another letter by mail to address the ...

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Convergent Resources, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

November 9, 2019 - on -/-/2018 and -/-/2018, convergent went on my credit report without permission or just cause. validate collection asap. also, stop calling my landlord - - - on his cell number ( - ) - or face class action litigation....

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Rozlin Financial Group, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 9, 2019 - rozlin financial group put collection in my credit report on - - for $1400.00. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report...

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Convergent Resources, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

November 9, 2019 - Convergence Outsourcing reported that on -/-/2019 that an account was opened. They then reported on -/-/2019 that account was diliquent. I was never contacted by this company at all and I have not opened any new accounts that could be reported as diliquent. I want real records and dates concerning this supposed debt and their liscence number for Ohio to collect any debt. I would like to know if it is standard practice to place a debt as diliquent without first contacting the person who is supposed to owe this debt?...

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

November 8, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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

November 8, 2019 - THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - - - - CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - $120.00...

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Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Source Receivables Management LLC Debt collection attempts to collect debt not owed debt was result of identity theft

November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt is not yours

November 7, 2019 - I have a debt collection of $530.00 showing up on my - credit report that isnt mine. Ive never had an account with Credit Protection Association....

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Quality Asset Recovery LLC Debt collection attempts to collect debt not owed debt was already discharged in bankruptcy and is no longer owed

November 7, 2019 - -/-/2018 $2700.00 Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,...

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LAKEVIEW LOAN SERVICING, LLC Mortgage trouble during payment process

November 7, 2019 - My servicing company is Lakeview Loan Servicing. They are always charging a - fee even though my loan payment is paid on time prior to the -. I've made multiple attempts to get this resolved and stated they would have someone call me back. No one ever calls me back. I've submitted 3 online inquiries and no response....

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Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft

November 6, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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

November 1, 2019 - Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid....

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HCFS Health Care Financial Services, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 30, 2019 - This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. - -, -, - -. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation...

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Convergent Resources, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 30, 2019 - This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this d...

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Absolute Recovery Services, LLC Debt collection written notification about debt didn't receive enough information to verify debt

October 29, 2019 - I've sent letters on -/-/19 and -/-/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ - account sitting on my credit report that I had no knowledge of....

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Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft

October 24, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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First Federal Credit Control Debt collection attempts to collect debt not owed debt was result of identity theft

October 24, 2019 - -, - - SOC SEC # - DOB -/-/- ADDRESS - - - -, - -, FL - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- FFCC-CLVLAND - FFCC-CLVLAND - 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...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours

October 17, 2019 - These are Fraud accounts and they dont belong to me...

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Army and Air Force Exchange Service Debt collection attempts to collect debt not owed debt was result of identity theft

October 16, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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First Federal Credit Control Debt collection attempts to collect debt not owed debt is not yours

October 15, 2019 - I am not aware of these collection charges...

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Valentine and Kebartas, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 15, 2019 - My name is - -. I received a phone call this evening at - from what showed up on the callerID as " - , PA ( - ) -. '' This came up as - - ( e.g. - or - - ) type. The person on the other end, when asked, stated that her name is -****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that the company calling me is Valentine Kebartas Inc., located at - - -, - . -, -, MA -, and that the phone number of the company is ( - ) - ( ext. -??? ) and this was in an...

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Direct Recovery Services, LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

October 14, 2019 - I have repeatedly asked DRS to stop contacting me about my brother 's debt - and have even filed multiple CFPB complaints against them - but they continue to contact me....

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Oracle Financial Group LLC. Debt collection false statements or representation impersonated attorney, law enforcement, or government official

October 14, 2019 - - : I receive a call from -. Caller leaves voicemail, identifies self as " - - '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number - ext - and ends call with " you've been notified and good luck ''. - : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to...

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

October 13, 2019 - This company Enhanced Recovery is trying to collect $250.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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 Enhanc...

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Eastern Account Systems of Connecticut, Inc. Debt collection attempts to collect debt not owed debt is not yours

October 13, 2019 - This company Eastern Account System is trying to collect $350.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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 ...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

October 12, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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I.C. System, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

October 11, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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Financial Data Systems Debt collection attempts to collect debt not owed debt was result of identity theft

October 11, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

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

October 11, 2019 - This is my second complaint about DRS. This morning, the day after CFPB closed my previous complaint without any resolution, they texted me again about my brother 's debt. I want them to immediately STOP contacting me about my brother 's debt. I DO NOT OWE ANY DEBT. STOP CONTACTING ME....

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