Debt Collection Review

Review and analysis of 89,639 consumer complaints for 2,474 debt collection financial institutions

Best Debt Collection Companies

Universal Acceptance Corporation
United Portfolio Corp.
Amscot Corporation
United PanAm Financial Corp.
LDF Holdings, LLC
Delta Outsource Group, Inc.
Mendelson Law Firm

Worst Debt Collection Companies

Association Capital Resources, LLC
Susquehanna Bank
Green & Sons Agency, Inc.
TH Professional & Medical Collections LTD
State Farm Bank
United Guaranty
RR Resource-Recovery

Company

Explore common Debt Collection complaints by state. On average, California, Texas, and Florida have the highest percentage of consumer complaints agains financial companies that offer all products and services.

The most common type of debt collection complaint is about continued attempts to collect a debt that the consumer reports is not owed. In many of these cases, the attempt to collect the debt is not itself the problem; rather, consumers assert that the calculation of the amount of underlying debt is inaccurate or unfair. In other cases, the consumer complains about the furnishing of information to credit reporting agencies. These complaints, which are often consistent with complaints consumers submit about credit reporting, suggest that consumers frequently only learn about debt collection accounts when they check their credit reports.

Complaints about debt collectors communications tactics (telephone collections especially) are also still very common. In addition to the frequent complaints about collection calls, which consumers say are too frequent or at inconvenient times of the day, there were a significant number of complaints about calls to third parties or calls to the consumer's place of employment.

Consumers also complained about the lack of debt validation received from debt collectors and consumers often ask collectors for additional documentation to support the debt. The amount of documentation provided by some debt collectors in response appears to frustrate many consumers, especially when the documentation is a simple invoice or bill for the services or goods that were the subject of the debt being collected. There are a number of collectors who reportedly respond to any consumer complaints by closing the account and returning it to their client.

Issue

Debt Collection Complaint Historical Trends

New Debt Collection Complaints

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...

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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 t...

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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 ...

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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 ...

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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 -...

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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 con...

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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...

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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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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. 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 c...

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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 offere...

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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. Ple...

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

November 5, 2018 - ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. - was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. Im asking that i recieve the original contract from - showing that this is ind...

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

November 5, 2018 - On - I sent a certified letter ( tracking # - to Ability Recovery Service which was received on - at -. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of ...

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LJ Ross Associates Debt collection attempts to collect debt not owed debt is not yours

November 5, 2018 - 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof th...

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

November 4, 2018 - 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 th...

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Source Receivables Management LLC Debt collection attempts to collect debt not owed debt is not yours

November 4, 2018 - This company Source Receivables Management 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 Source Receivables Management with my signature on it as follows : " I am requesting validation, made ...

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

October 31, 2018 - I received 5 calls, back to back, on -/-/18. This morning, on -/-/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. I am making payments to a Convergent account on a debt and I am doing so diligently, and this is the only account I ha...

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WAKEFIELD & ASSOCIATES, INC. Debt collection written notification about debt didn't receive enough information to verify debt

October 30, 2018 - Request for VALIDATION, NOT Verification - - -/-/2018 WakeField and Associates RE : Accounts # - To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau s , the highly negative impact on my personal credit report. Please be advised that this is not a refusa...

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

October 24, 2018 - I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit....

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

October 18, 2018 - On -/-/2018 and -/-/2018, I have requested proper validation from Convergent Outsourcing stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector ha...

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

October 16, 2018 - Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. -/-/2018 - - I told them to contact me via usps -/-/2018 - - I told them to not call my place of employment -/-/20...

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

October 15, 2018 - Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail -/-/2018, -/-/2018, -/-/2018 and -/-/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. This account needs to b...

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Merchants' Credit Guide Company Debt collection written notification about debt didn't receive notice of right to dispute

October 11, 2018 - While viewing my credit report I seen Merchants Credit guide balance of $230.00 & $290.00 which I do not recall these two accounts or company....

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The CMI Group, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

October 11, 2018 - While viewing my credit report I'd notice Credit Management Lp with a balance of $470.00 which I do not recall. I will like documents bearing my signature of this assumed account....

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United Revenue Corporation Debt collection attempts to collect debt not owed debt is not yours

October 9, 2018 - united revenu corp states that i owe them $1200.00 dated -/-/18 acct number -. I have no knowledge of this account, please have them remove this...

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