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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


Aargon Agency, Inc. Debt collection false statements or representation attempted to collect wrong amount

October 7, 2018 - AARGON 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 debt is a violation of the FCRA....

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ERC Debt collection false statements or representation attempted to collect wrong amount

October 7, 2018 - - - - 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 debt is a violation of the FCRA and the FDCPA...

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Shellpoint Partners, LLC Mortgage struggling to pay mortgage

October 4, 2018 - I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. they have a sale date for -/-/2018 at - - and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. - from shellpoint called on - of this year treating me that she can foreclosure in the house any time she wants t...

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

October 2, 2018 - I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on -/-/-, -/-/-, and -/-/-. It is now -/-/-. I sent the - - and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act....

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WELLS FARGO & COMPANY Mortgage closing on a mortgage

September 25, 2018 - Wells Fargo has yet to provide the documents....

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

September 25, 2018 - I have fraudulent accounts reporting to collections : - - - - - - - I don't know how people are getting my information....

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WELLS FARGO & COMPANY Debt collection attempts to collect debt not owed debt is not yours

September 25, 2018 - Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since -/-/2018 : ( from - ) -/-/- @ - -/-/- @ - -/-/- @ - -/-/- @ - -/-/- @ - ; - ; - ; & - -/-/- @ - ; - ; - ; & - - @ - & - -/-/- @ - & - -/-/- @ - ; - ; - ; & - -/-/- @ - ; - ;...

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Convergent Resources, Inc. Debt collection communication tactics frequent or repeated calls

September 21, 2018 - This debt collection agency called me earlier and I informed the person that I spoke with that they had the wrong number, instead of removing my number, they continue to call....

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

September 21, 2018 - I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. I've also attached a Copy of The Identity Theft Report....

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

September 15, 2018 - Says I owe - from -/-/15 but for what I do not owe this. Again I contacted company several times not willing to remove ......

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WELLS FARGO & COMPANY Mortgage closing on a mortgage

September 14, 2018 - Wells Fargo Home Mortgage in there reply on -/-/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo...

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

September 12, 2018 - On -/-/- I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. That same day -/-/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. It has been well over 30 days and I have yet to receive a response....

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

September 10, 2018 - I hire privacy guard to find out why I ' m having credit issues and they send me notice that a Company call ( Convergent outsourcing - - - - - - - ) register agent call - - - - - - - - - - - - director - - - - - - - - - - I never hair from them before but privacy guard send me notice they are posting derogatory information about me at will without any notice or explanation....

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

September 10, 2018 - I received a call today -/-/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back a...

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

September 8, 2018 - On -/-/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed $89.00. I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous....

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

September 8, 2018 - I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : - -, -, - - and -. Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. o - - dated, -/-/18 and mailed certified -/-/18. o...

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Terrill Outsourcing Group Debt collection communication tactics frequent or repeated calls

September 7, 2018 - Keep get called repeatedly that they need to speak to me concerning a business matter and they have all my information social security number and date of birth and my location Ive never gave this company my information and dont have any outstanding debt and only have a debit card.So they continue to harass me and I feel its a violation of my rights because I dont know this business and they are making false claims against me and would pursue legal action regarding this matter....

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

September 7, 2018 - This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says - -. My name is not -!!! My full legal name is - - -.- is a guys name and - is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! Thi...

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Professional Recovery Management Debt collection written notification about debt didn't receive enough information to verify debt

September 7, 2018 - - - - is reporting a debt on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the 3 major Credit Reporting Agencies and it was removed from 2 out of the 3. The response from - was that - - certified it as mine. I then sent - - ( the Furnisher ) a direct dispute via certified mail according to my rights ( FCRA and CFR 660.4 ) but never received a response. The letter was signed for by - - according to my proof of receipt ( see attached ). This negative account is impacting...

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

September 7, 2018 - Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this ne...

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Oracle Financial Group LLC. Debt collection communication tactics frequent or repeated calls

September 6, 2018 - Representative from Oracle group, LLC called my work # ( - -/-/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was - ) I called back at - - and spoke with Mr. - and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at - -, - -, - -, - -, - -...

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

September 4, 2018 - Dynamic Recovery Solution is correspondence and claiming that I owe for an account for - - and - - - not owed....

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

August 31, 2018 - I asked to company to send me a signed document with my name on it to prove the debt belongs to me. They failed to do so.The debt is also reported as a open status....

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

August 14, 2018 - Hunter Warfield - - -, -, FL -, ( - ) - Alleged Balance Owed : $4100.00 Original Creditor : - - - -- -...

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

August 13, 2018 - No knowledge of debt....

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Financial Management Solutions Debt collection written notification about debt didn't receive notice of right to dispute

August 12, 2018 - Received a letter on -/-/2016 from - - - - stating that I owe $1300.00 for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to - - on -/-/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports....

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Specialized Loan Servicing LLC Debt collection false statements or representation attempted to collect wrong amount

August 11, 2018 - - - - -, - - - -, - - -, -, - - -, - - - - -, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved year...

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AmeriCollect Debt collection communication tactics frequent or repeated calls

August 2, 2018 - Hey this is - from -- - I'm a debt collector. ID number - and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at - or you can chat with me -. I'm in the office Monday through Friday from - - to - - Central Standard Time and Saturday from - to -. Again I am a debt collector with America collect at -. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A - NUM...

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Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 31, 2018 - medical data systems never sent me a dunning letter they just put this account on my credit report.I do not have a contract with medical data systems and they is reporting on my experian credit report. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request that medical data systems prove that I am indeed the interested party who is contractually obligated to pay this debt. A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties wh...

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Pacific Union Financial, LLC Mortgage trouble during payment process

July 29, 2018 - I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is $920.00 and they now want to bill me $1100.00 which is an additional $180.00. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in -. The escrow amount necessary to cover my taxes and insurance only increased by $63.00 previous amount was $270.00 and it is now $340.00. They are requ...

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WELLS FARGO & COMPANY Mortgage struggling to pay mortgage

July 27, 2018 - I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving....

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Pacific Union Financial, LLC Mortgage applying for a mortgage or refinancing an existing mortgage

July 27, 2018 - Pacific Union Financial They have taken - dollar 's from us and - - for Apprasails because the loan went from Conventional to FHA. We started the process in -/-/- of 2018 and is now -/-/- of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the - - location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. - -, - -, - -, - -, - -. None of these employees have been able to close our lo...

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Enova International, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 26, 2018 - I received numerous calls on -/-/- asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in -/-/- and was deposited to a - - - -. I don't live in - and never have. I didn't take out a payday loan. The loan was in the amount of -. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in - if they try ...

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NATIONSTAR MORTGAGE Mortgage struggling to pay mortgage

July 26, 2018 - I am a United States - - veteran who is facing a foreclosure sale date on my home on -/-/-. I bought my house with a VA loan backed by the government and I know that there are programs and plans put in place to help homeowners in my situation ( lost my job ) but my lender Nationstar has not engaged in a fair negotiation and has not given me access to these programs. I have put myself into a better financial situation and have tried to get Nationstar to take another look at review for these programs but they are telling me it is too late and they are foreclosing on my home. I wanted ...

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

July 25, 2018 - I get repeated calls for debts owed by someone with the last name of -. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the - 's number, I continually get calls for their debt collection!...

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Pressler & Pressler, LLP Debt collection took or threatened to take negative or legal action sued you without properly notifying you of lawsuit

July 25, 2018 - Pressler Pressler located in - New Jersey harasses me with phone calls and threats for a long time. They they took me to court but I did not receive notice because I moved. They won in court because I didnt know about the case. My check has been garnished, I tried to fight it in court but the - County Judge told me too late, too bad. I have had my check garnished for approximately 3 years even though I know Pressler Pressler has been proven guilty of unethical practices many times over. I would like to be able to stop this illegal garnishment, and receive all monies paid to them back....

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

July 21, 2018 - I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately....

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

July 21, 2018 - I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately....

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

July 21, 2018 - I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately....

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

July 21, 2018 - My phone number is on a Do Not Call Registry and this company keep calling me every week about a debt belonging to someone else. The company name is - -, A Debt Collector. The number they left on my answering machine is - - - -....

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Delta Management Associates, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 17, 2018 - I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a - - College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is - ext -...

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Pacific Union Financial, LLC Mortgage trouble during payment process

July 12, 2018 - A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail -/-/- and it was due the next day on -/-/-. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always ...

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

July 11, 2018 - To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers - - - - - and - - - - -. These letters were delivered on -/-/18, it is now -/-/18 and I have received - communication in response to my valida...

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SUNTRUST BANKS, INC. Mortgage closing on a mortgage

July 11, 2018 - We are selling a property and have been under contract for over two months with buyers who were using - - at SunTrust Mortgage in -, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close...

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WELLS FARGO & COMPANY Debt collection took or threatened to take negative or legal action threatened to sue you for very old debt

July 11, 2018 - I got a message from someone claiming to be a process server. He told me that he has papers in my name and social security number to serve me and that he would be serving me papers at my home or place of employment. He left a toll free number to call back with a case number to reference. I call back and they say they are mediators calling on behalf of Wells Fargo for a debt that is at least ten years old. A man named - - says say that if I arrange payment that day Wells Fargo would no longer sue me. They say they are a company called - - - and offer mediation services. They say ...

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Key 2 Recovery, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

July 10, 2018 - The account was opened on -/-/2018 in the amount of $2300.00. I am a victim of identity theft and have been battling it for years. I finally had most of the fraudulent accounts closed and taken off my credit report, but then I wake up and see this. I worked very hard to get my - score to a - ; but yet again, another fraudulent bill shows up and drops my score by 52 points! this is NOT me. I don't know who is doing this, but it needs to be taken off because its fraud....

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Atlantic Recovery Solutions LLC Debt collection communication tactics frequent or repeated calls

July 10, 2018 - A person called would not offer the name of the company they were calling from, they are looking for - - - - is an ex husband going on 18 + years. I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded. this was a week ago and again today another call, asking if i spoke to - and relayed the information i did not because we do not speak. Still would not tell me where she was calling from....

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TENET HEALTHCARE CORPORATION Debt collection attempts to collect debt not owed debt is not yours

July 9, 2018 - This account repeatedly appears on my credit file and it does not belong to me....

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ERC Debt collection written notification about debt didn't receive notice of right to dispute

July 9, 2018 - On -/-/2018, I sent - -, a cease and desist letter by certified mail that was signed on -/-/2018. On -/-/2018, I sent - - another letter via certified mail that was signed on -/-/2018. To date, - - is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence...

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Aargon Agency, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 9, 2018 - After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my - and - credit report ( I'm assuming because they realized they made a mistake ) but is reporting it - as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on -/-/18.This needs to be removed from my - credit report this compa...

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WELLS FARGO & COMPANY Debt collection took or threatened to take negative or legal action threatened to sue you for very old debt

July 6, 2018 - They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid....

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EQUITY LOANS LLC Mortgage closing on a mortgage

July 6, 2018 - When I started the process things started off great, but as the process continued the communication was inconsistent with Equity Prime Mortgage. I would submit paperwork in a timely fashion and would not get a reaponse back or they would say they never received certain paperwork then they would search for it and say it was mixed up with other paperwork. We were suppose to close on the -/-/2018 and I did a final walk thru with the builder and heard nothing from Equity Prime until I showed up to the title office to sign the paperwork were the title officer informed me to call Equity Prime. The...

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CCS Financial Services, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

July 5, 2018 - i am unaware of the debt that is on my credit...

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Penn Credit Corporation Debt collection communication tactics frequent or repeated calls

July 5, 2018 - Penn Credit Corp calls daily at - with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls....

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Arnold Scott Harris, P.C. Debt collection attempts to collect debt not owed debt is not yours

July 1, 2018 - Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call....

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Valentine and Kebartas, Inc. Debt collection threatened to contact someone or share information improperly contacted your employer

June 27, 2018 - They contacted my employer in -/-/2018. I do not owe money to this company but yet told my NEW employer of less than one month that there was a court order against me....

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Pacific Union Financial, LLC Mortgage closing on a mortgage

June 24, 2018 - The only notification for foreclosure I received was by word of mouth from - - the realtor hired from - - in -, -. I was recovering from a major surdery he phoned me approximately around the beginning of -/-/-. Not certainly because I was still under doctor 's care. - phoned me stating " Did you hear, your house went to aution last friday and I asked for what he stated it was sold to a single bidder at Auction. I asked for how much he stated for the Short Sale Price the Pacific Financial was requesting $ - " I asked why was it foreclosed when the Short Sale Price h...

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Paramount Recovery Systems, L.P. Debt collection attempts to collect debt not owed debt is not yours

June 19, 2018 - The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this ...

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

June 10, 2018 - In -/-/- I received a letter of collection from - - -. They claimed that I owed a little over $110.00 to - that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my - account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt. Convergent replied back on -/-/-with a packet that stated the debt was valid. There were many details that were suspicious. First, in the packet from Convergent, there was given a " - - Account Number '' which I did ...

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Action Collection Service Debt collection attempts to collect debt not owed debt was paid

June 9, 2018 - Timeline of events :-/-/- Pulled credit report, collection listed.-/-/- Letter sent to Action Collection Service. -/-/- Letter delivered and signed for. -/-/- No response, pulled credit report, still listed. -/-/-Sent 2nd letter to Action Collection Service. -/-/- Letter delivered and signed for. -/-/- No response, pulled credit report, still listed....

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