Debt Collection Review

Review and analysis of 89,741 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

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

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

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

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

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

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

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

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

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

January 2, 2019 - In response to CFPB:- This dispute is not about my -.Validation of people using my information is not a proper investigation, do not just put into -. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official valida...

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

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

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

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

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

December 28, 2018 - I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : -/-/- Hunter Warfield Inc reports debt owed to credit agencies of -...

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

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

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ERC Debt collection communication tactics frequent or repeated calls

December 21, 2018 - Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am - and wife is - and these repeated calls upset us. I am asking that this company be ...

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

December 18, 2018 - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- - - - Last reported : -/-/- Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may ...

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Action Collection Service Debt collection communication tactics frequent or repeated calls

December 17, 2018 - Action Collection Services out of -, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or ...

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

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

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

December 5, 2018 - I have repeatedly tried to fix this problem with - - -. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection...

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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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