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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.
ProCollect, Inc Debt collection communication tactics frequent or repeated calls January 3, 2020 - Over the course of about 2 1/2-3 weeks in -, I received constant repetitive calls from Procollect Collections Agency. I have had to block the number from my phone as a means to stop constant calling due to the interference of these calls in my personal and academic life ( I am a student and was receiving these calls at different periods throughout the day ). These calls are repetitive, annoying, and I am being harassed by the employees of Procollect. Additionally, I never received any kind of mail/validation of debt from Procollect and was not made aware of my right to dispute.... |
I.C. System, Inc. Debt collection written notification about debt didn't receive enough information to verify debt January 3, 2020 - " I.c. System, Inc. '' has attempted to collect a debt in the amount of $520.00. I do not owe the debt. I never received notification that attempts to collect a debt were going to be made. I discovered the attempt on my credit report. I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. The company did not comply with providing verification, and has made 2 additional ... |
SYNCHRONY FINANCIAL Debt collection false statements or representation impersonated attorney, law enforcement, or government official January 3, 2020 - Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses an... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours January 2, 2020 - Recieved a letter from Convergent Outsourcing to collect a debt amount of - for - -. I have not used - in years. I contacted - and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.... |
I.C. System, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft December 30, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours December 27, 2019 - - - and their collection company, Convergent Outsourcing continue to contact me regarding account - with a balance of $530.00. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted - - and Convergent Outsourcing, but this account still has not been removed from my credit report. I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do... |
I.C. System, Inc. Debt collection attempts to collect debt not owed debt is not yours December 26, 2019 - - - - - - - -, GA - I.C. SYSTEM, INC - - - - -, MN - ( - ) - Collection accountS : $820.00 Date : -/-/- ; Re : Acct # - To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ... |
PlusFour, Inc Debt collection written notification about debt didn't receive enough information to verify debt December 17, 2019 - No legal binding accounts with this company... |
Herbert P. Sears Co., Inc. Debt collection written notification about debt didn't receive enough information to verify debt December 17, 2019 - I have no legal binding accounts with this company. Had no information with this company or accounts... |
The CMI Group, Inc. Debt collection false statements or representation impersonated attorney, law enforcement, or government official December 17, 2019 - *****THIS IS NOT A DUPLICATE**** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by... |
Ability Recovery Services, LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged December 16, 2019 - This alleged Debt appeared on my file on -/-/2019 in the amount of $760.00 not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.... |
HCFS Health Care Financial Services, Inc. Debt collection communication tactics frequent or repeated calls December 16, 2019 - They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? The business name is - but when I look it up it is Health Care Recovery Group.... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours December 16, 2019 - Claim is for a debt of - allegedly owed to -, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. Convergent Outsourcing, - - - -,, - - -, Wa -, is their physical address, mail address is - - -, -, Wa -.... |
Convergent Resources, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged December 15, 2019 - Received a letter about a bill owed to -. I am currently going through a medical hardship, due to - treatments.... |
TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours December 14, 2019 - I noticed a new account in collections on my TransUnion credit report. The account originated from a - company ( - - - ), and I can not find a reasonable way to contact them. The alleged debt is for a sum of $3800.00, and I'm not sure what this debt could even be for. I have received no notifications of this accounts existence, or of any debts prior to the collections account. This company appears to own - U.S., of which I am a customer. I have never gone delinquent on a payment to -. I am unsure of the correlation between my telephone provider and this fraudulent account... |
Ability Recovery Services, LLC Debt collection communication tactics used obscene, profane, or other abusive language December 12, 2019 - I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months -/-/- to -/-/2019 stated that i needed to pay the dollar amount. A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke wit... |
Ability Recovery Services, LLC Debt collection attempts to collect debt not owed debt is not yours December 11, 2019 - NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT... |
Oliver Adjustment Co. Debt collection attempts to collect debt not owed debt is not yours December 11, 2019 - NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.... |
Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft December 9, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
Cohn, Goldberg & Deutsch, LLC Mortgage closing on a mortgage December 9, 2019 - On -/-/-, I did a refinance on my home - - - - -. with - - -, -. In - we had to file bankrupcy to try to save my home. It appears that attorney 's - - -, Cohn , Goldberg & Deutsch , LLC handle the foreclosure process & the bankruptcy, my husband was put on one court docket as the Debtor, my husband name is not on the deed, it seem to be personal because on my - - credit report a - - -, & - - was on my report.... |
Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft December 8, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
I.C. System, Inc. Debt collection attempts to collect debt not owed debt is not yours December 5, 2019 - I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad... |
McCarthy, Burgess & Wolff, Inc. Debt collection threatened to contact someone or share information improperly contacted your employer December 4, 2019 - I explained several times not to call to my place of work and they keep calling and is causing me problems.... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours December 2, 2019 - -/-/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated -/-/2019 from a collection agency by the name of Convergent Outsourcing , Inc . This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. The charges are fraudulent, and they are claiming that I owe a company by the name of - - , - $8000.00. They have also listed another company by the name of - - - as the supposed Original Creditor. I want to report this collection agency, as well as it... |
Ditech Financial LLC Mortgage trouble during payment process November 29, 2019 - I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of -/-/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection attempts to collect debt not owed debt is not yours November 27, 2019 - - -2014 fair collections and out - - @ - - - $6500.00 I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say i... |
Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft November 26, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
ATG Credit, LLC Debt collection written notification about debt didn't receive enough information to verify debt November 26, 2019 - I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process.... |
AmeriCollect Debt collection attempts to collect debt not owed debt was result of identity theft November 26, 2019 - THIS IS IN RESPONSE TO CFPB : - YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING - AS THAT IS IRRELEVANT. -, - SOC SEC # - DOB -/-/- ADDRESS - - - - - -, -, FL - TODAYS DATE:-/-/- AMERICOLLECT - - To Whom It May Concern : Please be advised that I have received your correspondence dated -/-/- This is not a refusal to pay or a cease notice, but a notice t... |
Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt was result of identity theft November 25, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
First Federal Credit Control Debt collection attempts to collect debt not owed debt is not yours November 25, 2019 - I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. Please apply these laws to my accounts the fair debt collection practices act law 111-203, title - 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.... |
AmeriCollect Debt collection communication tactics frequent or repeated calls November 24, 2019 - Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment.... |
HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours November 23, 2019 - THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE.... |
MJ Altman Companies, Inc. Debt collection attempts to collect debt not owed debt is not yours November 21, 2019 - THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.... |
HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours November 21, 2019 - THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.... |
Ability Recovery Services, LLC Debt collection attempts to collect debt not owed debt is not yours November 21, 2019 - Ability Recovery services have created a derogatory account on -/-/2019 and -/-/2019 according to -. On -/-/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits. The letter was as follows : - - - - - - - - - NY - -/-/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC - - - -, PA - Re : Your Abusive and Malicious Condu... |
Eagle Accounts Group, Inc. Debt collection attempts to collect debt not owed debt is not yours November 18, 2019 - Child support has an account on my credit that is not mine/inaccurate.... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 14, 2019 - Identity Theft... |
Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 14, 2019 - checked my credit report and noticed collections that is not mine ... victim of identity theft!... |
Idaho Housing and Finance Association Mortgage trouble during payment process November 14, 2019 - On -/-/- I made my payment to my servicing company, HomeLoanServ, also known as Idaho Housing and Finance. On the - of - I reached out to just double check that my payment had been added to my account. It had not. I reached out to them via a phone call and email. I got a response back saying the issue would be resolved if I could provide proof I had in fact made my payment. I provided multiple screenshots as well as get the appropriate documentation from my bank. I received no response for a week. I reached back out on the - and was told that this was an issue on their ( HomeLoan... |
TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours November 13, 2019 - - - account on my credit report that I have no idea about... |
ERC Debt collection attempts to collect debt not owed debt was result of identity theft November 13, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
Strategic Alliances, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 13, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours November 13, 2019 - On - - 2018, my credit report showed collection ... Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV. I have never had anything to do with them.... |
WELLS FARGO & COMPANY Debt collection attempts to collect debt not owed debt was result of identity theft November 12, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
I.C. System, Inc. Debt collection written notification about debt didn't receive notice of right to dispute November 12, 2019 - I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!... |
McCarthy, Burgess & Wolff, Inc. Debt collection attempts to collect debt not owed debt is not yours November 12, 2019 - This company is claiming myself and my husband owe money to 5 llc 's in nevada for a total of $2900.00. This is the collection company info- Mcarthy Burgess and Wolf-- - - - - - - - - - - , Ohio - Phone - Fax - I looked up each LLC - below -and each company has been out of business since -/-/-. Invoice ( s ) : -, - ( NV ) | -, - ( NV ) | -, - ( NV ) | -, - ( NV ) | Balance Due : $2900.00 MBW No : - I have asked for the original dates that the debts were incurred and the contact information for each company - t... |
TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection written notification about debt didn't receive notice of right to dispute November 12, 2019 - View all accounts - - - - Opened -/-/2019 - $150.00 Original creditor : - - - Overview You've paid off 0 % of your collection amount. Balance $150.00 Highest Balance $150.00 Opened -/-/2019 ( 5 mos ) Account status Open Type - Responsibility Individual Remarks Placed for collection Original Creditor Name - - - see an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving - -. DISPUTE AN ERROR Creditor Information - - - - - - - -, MN - ( - ) - - - - Opened ... |
Professional Debt Mediation, Inc. Debt collection written notification about debt didn't receive enough information to verify debt November 11, 2019 - Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. Debt Collector : PROFESSIONAL DEBT MEDIATION - - - - - -, FL - - On behalf of company by the name of - -... |
TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft November 10, 2019 - Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number -. I have never done business with - - -. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609... |
TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft November 10, 2019 - Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number -. I have never done business with - - -. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609... |
JH Portfolio Debt Equities, LLC Debt collection attempts to collect debt not owed debt was result of identity theft November 10, 2019 - I received two notices for debt collection from Credit Control LLC dated -/-/2019 and -/-/2019. On -/-/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On -/-/2019, I sent another letter by mail to address the ... |
Convergent Resources, Inc. Debt collection written notification about debt didn't receive notice of right to dispute November 9, 2019 - on -/-/2018 and -/-/2018, convergent went on my credit report without permission or just cause. validate collection asap. also, stop calling my landlord - - - on his cell number ( - ) - or face class action litigation.... |
Rozlin Financial Group, Inc. Debt collection attempts to collect debt not owed debt is not yours November 9, 2019 - rozlin financial group put collection in my credit report on - - for $1400.00. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report... |
Convergent Resources, Inc. Debt collection written notification about debt didn't receive notice of right to dispute November 9, 2019 - Convergence Outsourcing reported that on -/-/2019 that an account was opened. They then reported on -/-/2019 that account was diliquent. I was never contacted by this company at all and I have not opened any new accounts that could be reported as diliquent. I want real records and dates concerning this supposed debt and their liscence number for Ohio to collect any debt. I would like to know if it is standard practice to place a debt as diliquent without first contacting the person who is supposed to owe this debt?... |
CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 8, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 8, 2019 - THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - - - - CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - $120.00... |
Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
Source Receivables Management LLC Debt collection attempts to collect debt not owed debt was result of identity theft November 7, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.... |
Credit Protection Association, L.P. Debt collection attempts to collect debt not owed debt is not yours November 7, 2019 - I have a debt collection of $530.00 showing up on my - credit report that isnt mine. Ive never had an account with Credit Protection Association.... |