SquareTwo Financial Corporation Credit Reporting Complaints

Review and analysis of 6 consumer complaints against SquareTwo Financial Corporation

Out of the 6 consumer complaints against SquareTwo Financial Corporation Credit Reporting, 50% were disputed by the consumer (i.e. the consumer was not happy with how SquareTwo Financial Corporation responded to their complaint) and 100% were processed in a timely manner. 17% of consumer complaints against SquareTwo Financial Corporation resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 17% resulted in non-monetary compensation.

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IssueComplaints
Incorrect information on credit report 6

SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

April 4, 2017 - I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for >= $1,000,000. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. She was not able to win and we had to come to a settlement with the other company....

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SquareTwo Financial Corporation customer service / customer relations

March 14, 2017 - I had a credit card with - - - - - - - at one time two collection agency - and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from - contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with -. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary c...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

January 20, 2017 - I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC....

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SquareTwo Financial Corporation false statements or representation attempted to collect wrong amount

January 19, 2017 - This complaint is against CACH , LLC, dba - & -. Funds were levied from an account to which I have no financial interest & which contained the direct deposit proceeds of my mother 's social security benefit payments. The funds taken exceeded the maximum as stated. Funds were not posted or forwarded as I was told had been done and were held for a period of two years after seizure. Both organizations failed to respond in a timely manners with accurate information to my requests or to the requests made to each other resulting in an erroneous accrual of interest and continued damage to my cr...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

November 28, 2016 - I did hold a credit card account with - issued by - Bank from -/-/- till -/-/- when it was closed. On -/-/- was the last payment made on the card showing - balance. Since -/-/- till -/-/- there was no activity on the account. During the months of -/-/- I have received a notice from a collection agency that I owe them $690.00 that they claim I did not pay -. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

November 14, 2016 - Cach LLC apparently had a judgement from - I did n't know about nor was I contacted about. They just now in - submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from - for a lease I was aware of owing. I have already been g...

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SquareTwo Financial Corporation communication tactics threatened to take legal action

October 26, 2016 - I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. Now - told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment -/-/-. I believe it was charge off by - -/-/-/-/-/- Please help me...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

October 13, 2016 - Cach llc has failed to verify the $1200.00 debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since - 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, - - ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your r...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

September 27, 2016 - Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact - - and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. I have attempted to contact - at - and tried to reach via phone....

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

September 8, 2016 - CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC....

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SquareTwo Financial Corporation improper contact or sharing of info talked to a third party about my debt

August 29, 2016 - I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. Original Creditor : - Debt Owner : CAC...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

August 26, 2016 - I continue to get debt collection notices from CACH , LLC, - - - - -, -, - - even though I have repeatedly told them they have the wrong person! Pursuant to my rights under federal debt collection laws, I requested in many certified letters that CACH LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' I want them to decease letters to my residence of - - - -, - - - They only verified name and address and started sending notices. I am not -, my birthday is not -/-/1950, and my SSN is not -....

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SquareTwo Financial Corporation taking/threatening an illegal action sued w/o proper notification of suit

August 26, 2016 - I have been taken to small claims court through the -, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from....

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt was discharged in bankruptcy

July 24, 2016 - Cach LLC obtained this loan from -. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report...

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SquareTwo Financial Corporation managing the loan or lease

July 11, 2016 - - - bought a business debt from a company that I cosigned as a guarantor from - - -. Since this was a business debt with a different organization other than myself, - -, it never appeared on - - personal credit record. - - realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather C...

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SquareTwo Financial Corporation taking/threatening an illegal action threatened to sue on too old debt

July 7, 2016 - Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest - loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on....

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt resulted from identity theft

June 29, 2016 - Original Creditor is -, -, then it was sold to Cach , LLC and now Fresh View Solutions has the account -. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all - companies. I have also sent - information on this too and they are still reporting - on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received....

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

June 19, 2016 - I have asked Cach LLC to validate a collection they are reporting on my credit reports on -/-/- to -/-/- and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

June 7, 2016 - CACH is reporting that I have an outstanding balance owed to - Lending for $11000.00. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the $11000.00 debt they say I owe, and the account history of this account showing any records of payments that - received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upo...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt was paid

May 26, 2016 - I paid my debt owed to Cach LLC -/-/2012 and recently received a letter from the - county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aw...

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SquareTwo Financial Corporation taking/threatening an illegal action sued w/o proper notification of suit

May 20, 2016 - CACH LLC has default judgment against me for a - - Credit Card debt. I was - served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for - - - I had no dental ins or any other way to pay for dential necessities s...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt was paid

May 19, 2016 - Several related complaints : 1. Cach , LLC purchased the original debt from - ( managing company for - - - ) 2. - - was the attorney collecting for Cach , LLC. 3. - successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for $250.00 per month. The amount is actually $250.00 per biweekly pay period. This should be available on the recorded line we spoke on. -. - - - somehow became the new debt collector, taking over for Cach , LLC. in the collection proce...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt resulted from identity theft

January 28, 2016 - I received a letter from - - representing CACH LLC on an account being claimed was sold to them by - - -. I contacted CACH LLC in - with documentation supporting that the original creditor was - - on account that was compromised in -. The charges were removed and the account should have been closed as Paid in Full. During this time - - went into bankruptcy proceedings with assets going to both - and - - -. In a system transfer the - account was given to - banks with a system error transfer of fraudulent charges from - -. Both - and -...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

January 22, 2016 - Received demand letter from law firm stating I owe them - ...

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SquareTwo Financial Corporation false statements or representation attempted to collect wrong amount

January 21, 2016 - Cache, LLC filed a garnishment against me on behalf of - - - -. I do not even know who they are. They failed to send me any information regarding this supposedly $50000.00 loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices. ...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

January 12, 2016 - Judgment with Reference # -, reported on -/-/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports. ...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

January 9, 2016 - I was in middle of buying a home and the title company found a judgement against me that was n't on my credit. ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

January 6, 2016 - I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law. ...

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SquareTwo Financial Corporation identity theft / fraud / embezzlement

January 2, 2016 - Fraudulent - - - account is reporting on my file. I have disputed this account several times with -, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though - is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days. ...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

December 29, 2015 - While checking my reports I noticed in the collections area an entry from Cach LLC opened - - for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake. ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

December 29, 2015 - -/-/- I received a court document showing a lien against me in California. I live and work in - so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened -/-/-- no pmt made since -/-/-. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, $2000.00 was removed from my bank account and I am now stranded in --with no $ $ to return to work after the holidays in -. Does all of this s...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt resulted from identity theft

December 24, 2015 - The - - -, -. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for $160000.00 was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against - - - with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to - - -, -. law firm. I seeking all monies garnished and collected from me...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

December 16, 2015 - This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt. ...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

December 7, 2015 - I am having an extremely bad experience with CACH , LLC and its agents - - and LAW OFFICES OF - -, -. Apparently, CACH purchased the commercial business loan debt from - Bank of my - , - in - -. My corporation started operations in - and, as a result of the economic recession, it went out of business in -. Since then, I 've been winding up my corporation 's affairs and continue to pay the - Bank debt on a timely basis until -. However, - was a very difficult time for my family that not only went through a - accident that I had to spend a week at ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

November 19, 2015 - CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was - -, GA case on -/-/- and dismissed on -/-/- while the case was being held in - - GA as of -/-/- under. case. It was time barred from giving the chain of custody given to validate party in interest under case in -/-/-. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in - different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from -/-/--/-/- showing persistence an...

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SquareTwo Financial Corporation disclosure verification of debt right to dispute notice not received

November 16, 2015 - Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account -/-/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored. ...

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SquareTwo Financial Corporation incorrect information on credit report information is not mine

November 4, 2015 - This collection does not belong to me, some one else used. ...

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SquareTwo Financial Corporation improper contact or sharing of info talked to a third party about my debt

October 22, 2015 - CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order t...

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SquareTwo Financial Corporation false statements or representation impersonated an attorney or official

October 22, 2015 - Hi, I had a financial situacion on - and I owned $1700.00 to - - I couldn'n pay because I loose my job. The bank made a charge off on - -. After that CACH , LLC AND - ; opened a judgment case # - and they order a earning withholding. I already pay the amount of $3500.00 and the last withdrawal was on - - -. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this m...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

October 10, 2015 - I never had a credit card that was in this large amount of $13000.00. I did have a card in 2006 but it only had a limit of $5000.00. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and - children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine. ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

October 1, 2015 - I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as -.My name is -.Im currently - i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit ...

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SquareTwo Financial Corporation cont'd attempts collect debt not owed debt is not mine

September 26, 2015 - I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency. ...

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SquareTwo Financial Corporation communication tactics threatened to take legal action

September 23, 2015 - COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF - - - ...

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SquareTwo Financial Corporation disclosure verification of debt not given enough info to verify debt

September 20, 2015 - None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In - 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay - per month on the - for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the -, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payment...

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SquareTwo Financial Corporation taking/threatening an illegal action sued w/o proper notification of suit

September 17, 2015 - I was recently informed by a potential mortgage company that there is a judgement against my husband for over $4300.00, it was filed on - -, 2008 by CACH , LLC for - Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, - bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in. ...

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SquareTwo Financial Corporation taking/threatening an illegal action threatened to sue on too old debt

September 15, 2015 - I got a voice mail from a - - at - ( sp? ) - - in - threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the Litigation Office '' at : - with reference number : -. I called this number and they said they had a Lawsuit filed for a - ( - - ) and I have to pay them - '' amount in order to stop this Lawsuit. I explained to them him I am permanently - and am Social Security -. He did NOT care and was E-TREMELY rude, intimidating and threatening, then he hung up on me! This -, ...

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SquareTwo Financial Corporation improper contact or sharing of info talked to a third party about my debt

September 11, 2015 - None of the above describes my issue, so I simply chose Talked to a third party about my debt '', however I did indeed have to speak with - different companies in this process. -, Square Two Financial, and Cach llc. My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not ac...

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SquareTwo Financial Corporation disclosure verification of debt right to dispute notice not received

September 10, 2015 - I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing - ITS A as the original creditor. It shows the account opened -/-/-. I have never had an account with - and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with - Bank -/-/-, considering that - stopped operations -/-/-. I can not get live person by phone to verify the debt with CACH LLC, a...

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SquareTwo Financial Corporation false statements or representation attempted to collect wrong amount

September 4, 2015 - I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : - - COLLECTION BUREAU, -, - - - - - - - - AND CACH , LLC. YES ALL - FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME - TO - TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES - AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF ...

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SquareTwo Financial Corporation managing the loan or lease

August 24, 2015 - I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov -/-/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt. ...

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