Debt Collection Review

Review and analysis of 89,560 consumer complaints for 2,473 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

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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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...

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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 reques...

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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 ...

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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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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...

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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...

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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 ...

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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 ma...

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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 pag...

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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 ac...

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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 ite...

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