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Communication tactics
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My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones.
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on.
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on.
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back.
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age.
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.
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Incorrect information on credit report
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Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ).
XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it.
These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.
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False statements or representation
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I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX
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Communication tactics
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Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a letter in the mail from them saying they were going to sue me in court and press judgement against me. Immediately I sent them XXXX letters ( attached ), XXXX asking them to VALIDATE debt, and another telling them to cease all contact except via written letter to me ( sent on XXXX XXXX XXXX ). They ceased all communication until XXXX XXXX XXXX at XXXX XXXX and again on XXXX XXXX XXXX at XXXX XXXX I received a phone call from them ( I still have the voicemail. ) I sent them XXXX more letters ( attached ) which were signed via Return Receipt last MONDAY. Again, telling them to cease contact with me, and to validate the debt. Yesterday ( XXXX XXXX XXXX ) They CALLED ME AGAIN. I notified them via phone that they are not to call me. They always yell at me and do n't listen to what I have to say and hang up. I KNOW they know they are not to call me anymore but they still do so. I will, from here on out, submit a complaint into your system anytime they call me. I have attached the following ; All letters I 've sent them, the return receipt signatures, and a recording of the phone call on XXXX XXXX XXXX. ( I did let them know they were being recorded. ) I 'll also try and include screenshots of my phone calls from them since I sent them the cease contact letter.
This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family.
I will, gladly provide more information if needed.
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Communication tactics
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I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.
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Cont'd attempts collect debt not owed
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XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report
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Incorrect information on credit report
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I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.
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Cont'd attempts collect debt not owed
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I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!
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Incorrect information on credit report
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There are negative items still being reported on my credit file that are incorrect. I have been successful getting XXXX to remove but XXXX and EX are being difficult. The following items are reporting erroneously on XXXX & EX ; BNKRPTCY ( all XXXX ) XXXX, XXXX, XXXX ( ex only ) XXXX, XXXX, XXXX ( ex only ). I have asked that they verify the address on these accounts because it is n't mine but they continue to report it. There are also a number of inquiries that were removed then put back on by XXXX. Experian is showing XXXX twice and XXXX XXXX, all unauthorized. Attached is email exchange that received no response for XXXX and Letter not picked up for XXXX ( XXXX ) I have also attached my credit report from XXXX/XXXX/13 showing there is no statement on any disputed negative item. Not until XX/XX/XXXX did they notate any disputes and it was n't all of them. I also attached the file from XX/XX/XXXX showing no Inquiries on XXXX now today I have XXXX! XXXX XXXX and XXXX XXXX should have already been deleted. I am adding the documentation that supports that. XXXX XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX were not authorized. The letters I sent them were not addressed with acceptable answers, if any answers at all.I should have submitted plenty of infor to support getting this straightened out. Thank you
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Communication tactics
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Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense.
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Dealing with my lender or servicer
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Loan is with American Education Services Acct # XXXX I 've only had one day of work since XXXX and got behind on my payments but I was never 30 days behind. The last XXXX payments have been for more than my minimum payment in an effort to catch up. Last week I started getting phone calls from something called XXXX Bank about my account. I just called AES and a representative claimed my account was 34 days late. She could not find my last payment of {$95.00}. My minimum is {$82.00}. I made the payment online through XXXX bill pay on XXXX XXXX the same way I 've been making payments to them since 2011. XXXX indicates it should have arrived on the XXXX. Today is the XXXX and AES is not showing the payment which is making me over 30 days late which is not correct. The representative demanded I send tracking information from my bank which I refused to do. AES is notorious for not crediting payments in a timely manner and this time I caught them red handed. Please have AES credit my account in a timely manner and remove any negative credit reports they 've made in the last few months. I 'm almost done dealing with this criminal organization and I would appreciate you keeping a close eye on them. Thank you.
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Cont'd attempts collect debt not owed
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Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ...
I do not know what it is all about since we do not have any financial arrears?
Do not know if this is a scam either?
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Communication tactics
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Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
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False statements or representation
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my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received.
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
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Dealing with my lender or servicer
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On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient.
Thank you, XXXX
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Cont'd attempts collect debt not owed
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XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.
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Credit reporting company's investigation
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sent dispute form to Trans Union for late payment inaccurate reporting.
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Can't repay my loan
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I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.
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Cont'd attempts collect debt not owed
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This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
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Incorrect information on credit report
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After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.
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Cont'd attempts collect debt not owed
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I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!
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Incorrect information on credit report
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I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone.
There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.
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Communication tactics
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Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
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Cont'd attempts collect debt not owed
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Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.
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Incorrect information on credit report
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XXXX XXXX offers help in conjunction with the Federal Government to aid low income XXXX people have a phone line in there home account number XXXX was suppose to be just that but there was such a back log in the phone company getting the XXXX paperwork my bill kept being incorrect and then corrected and then billed incorrect again by the time it was all finished I left the state but paying all balance owed once able we agreed they gave me a paid in full letter which is on file at Experian however every month XXXX still reports my account negatively for the sole purpose of punishing a XXXX American citizen whom has paid every dime owed them in Full for sport. It is an atrocity of the worst to continue punishing me years later even when you have been paid. Im sorry I lost my job and became XXXX but it happens and this company offered me help as though they represented the Government then trapped me in a debt forced me to pay it and continue to scoff my life with negative credit information
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Communication tactics
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The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.
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Cont'd attempts collect debt not owed
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Over 10 yrs ago I originally received a letter stating that I owed a store money via a credit card. I explained to them it was not my debt and requested a signature confirmation. This debt was claimed to have occured in another state where I had never been. They told me no signature was available which I then rewrote to them and said I was disputing the claim. After that, over the next few yrs, I would receive letters from various new debt companies stating I still owed. I would send requests and none of them ever sent me verification. The occurancy of receiving letters did diminish over the years to maybe once a year. Now again, I have received another one, I DO NOT OWE THIS DEBT!
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False statements or representation
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NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.
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Cont'd attempts collect debt not owed
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This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
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Taking/threatening an illegal action
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I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX
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Incorrect information on credit report
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When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!
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Incorrect information on credit report
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I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States.
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX.
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX
So there is no way these accounts are mine.
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth.
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me.
These accounts are only on Equifax report, they are not on XXXX or XXXX.
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Credit monitoring or identity protection
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I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.
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Incorrect information on credit report
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ive asked for a signed contract they will not show me anything signed sends me a list of bills from itr but nothing signed by me. XXXX complaint always same response. want a signed contract from me or removed i dont beliave i have ever had XXXX i have had XXXX for 5 years
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Communication tactics
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After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!
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False statements or representation
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A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
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Incorrect information on credit report
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pinnical credit service was removed from my report then they added it back
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Incorrect information on credit report
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Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report.
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report.
3 ) XXXX # XXXXis not my account please remove this from my credit report.
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report.
XXXX XXXX # XXXXis not my account please remove this from my credit report.
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report.
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
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Cont'd attempts collect debt not owed
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Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts
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Cont'd attempts collect debt not owed
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I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?
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Incorrect information on credit report
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We have an auto loan with XXXX XXXX. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork again I received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what XXXX would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by re XXXX reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by XXXX XXXX NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speak This was no way in any shape or form our mistake.
Resolution I would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved.
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Cont'd attempts collect debt not owed
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My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.
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Incorrect information on credit report
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Experian is reporting a XXXX account that has been taken out through identity theft
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False statements or representation
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XXXX which is now called XXXX XXXX, indicated that I owed them fees for servicing my account but did not stipulate which years they were talking about in an undated letter sent to me in XX/XX/XXXX. I invested my rollover retirement money with whom I thought was a legitimate investor, but it was nothing more than a Ponzi Scheme. Real money was wired into the account, but it ended up being only a worthless piece of paper. I lost most of the money that the broker took, but {$510.00} was still left in the account. In XX/XX/XXXX, {$1500.00} was added to make a total of {$2000.00}. I am a XXXX Veteran taken advantage of by someone who I thought was investing my retirement money to help me. Instead I was led to believe this investment was legitimate, but it was only a scam that took advantage of my ignorance of investing.
XXXX XXXX, you sent me information for me to tell you what was in my account XX/XX/XXXX. This is after I contacted you, to ask you what funds were in my account in or around XXXX XXXX. One of your representatives told me that my account still showed it had {$11000.00} in it. I proceeded to tell the representative that I was told by XXXX XXXX XXXX, that there was nothing there because XXXX, XXXX XXXX had filed Bankruptcy in XXXX XXXX and was finalized in XXXX XXXX. XXXX XXXX said XXXX XXXX received this same information. The biggest question I have had for both XXXX XXXX and XXXX XXXX was why am I finding this out XX/XX/XXXX? Why was I not notified in XX/XX/XXXX? This lead me to believe that both were working together in this " Ponzi Scheme ''. I also have many questions and concerns about XXXX XXXX charging me fees for an account that is not even there. 1. XXXX XXXX, why was I not alerted about the possibility of something going wrong with my account before I reached out and contacted you? 2. How am I being charged fees for an account that has XXXX dollars in it especially when you were sent a copy of the bankruptcy by XXXX XXXX XXXX, XXXX in XX/XX/XXXX, that they had no assets for its clients? 3. A representative named, XXXX XXXX contacted me to tell me that I am supposed to tell XXXX XXXX what dollar amount that I actually had in the account, when I am the customer asking the same question? How much do I have in the account? Then you avoided my calls. 4. If XXXX XXXX was tracking the money, what was the last transaction made?
5. XXXX XXXX, XXXX XXXX transferred {$10000.00} of money out of the account in XXXX XXXX on a promissory note, XXXX XXXX also adjusted the account later in XXXX XXXX saying the account was increased by {$1500.00} before XXXX XXXX, XXXX XXXX filed for Bankruptcy. How was the {$1500.00} transaction made? Did you just pencil that figure in or what was XXXX XXXX issued in order to make this transaction? XXXX. If {$1500.00} were added to the account, should not you have at least {$1500.00} of money in there to take care of your fictitious fees of {$610.00} you sent to collections in XXXX XXXX? Should not there be a copy of a wire of real money or some other trail sent to you in order for you to adjust the account with that sum? My lawyer sent a letter to try to sort this out, but you sent me to collections and said that I received {$11000.00} by sending me a XXXX and sending it to the IRS which is fraudulent because i did not receive any such money.
" No Money was requested by me or No monies were sent to me by your organization. '' This statement was in the promissory note. I did n't ask for a payout or continue with another one year agreement. I thought this was the actual money in my account and not a worthless piece of paper. I asked XXXX XXXX to send me a fax of what I had in the account. They sent me the fax on XXXX XXXX, XXXX, with what I thought was true figures of income. I was under the impression that XXXX XXXX was doing the investing.
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Incorrect information on credit report
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I made a purchase at an XXXX XXXX XXXX on XXXX/XXXX/15 and paid by check for {$210.00}. XXXX XXXX made an error when processing the check. They transposed a XXXX and a XXXX on the routing number for the bank account. XXXX XXXX then had Certegy Check Services ( XXXX ) claim that the check was no good. ( Certegy claim XXXX ). Rather than XXXX check their processing work, Certegy then handed the case over to another company called XXXX XXXX XXXX XXXX. ( XXXX - again claim XXXX ). I started getting notices a month later saying that I was writing bad checks. I contacted XXXX XXXX ( case XXXX ) and they advised that there was nothing that they could do as they do n't handle the accounting. I then spent 2 months trying to correct the issue. My financial institution ( XXXX Bank ) identified that XXXX and Certegy made an error in the processing and that I was in no fault.
XXXX could not do anything to clear the fault, as it was determined that they did not have the original check. They forwarded me to Certegy who then forwarded me to Complete Payment XXXX XXXX. During this entire time, I was treated like I was dishonest even after having my bank send them a letter identifying where the error occurred. During this entire 2 months of working in good faith to resolve the issue, 1 ). I could not work with XXXX XXXX to ensure that they had their money.
2 ). Complete Payment XXXX XXXX did not notify me at the address on the check or the phone number on the check, rather they sent letters to an address that I occupied 10 years prior. Fortunately, the letters eventually made it to my new address as I knew the new owner.
3 ). I started getting harassing phone calls wanting me to verify my personal information with Complete Payment XXXX XXXX of which I had no idea who they where or why they kept calling me. I had never bounced a check in my entire XXXX years and knew of no outstanding debt. After numerous calls to XXXX, Certegy, my bank and Complete Payment recovery systems, I was able to have the penalty removed from the charge and got them to accept a new check on the same account that they made the error on.
I would of thought that this was the end of my issue as I worked in good faith with all parties on resolving XXXX XXXX mistake but that was not the case.
When I went to write a check for merchandise after spending 2 months to resolve this issue in their best interest, My checks are being declined. Being XXXX years old, having great credit rating, never bouncing a check I would not expect XXXX clerical error by a merchant to cause my checks to be declined. However, now when I go to a store to buy merchandise, my checks were declined with an " Certegy error code XXXX ''. When I contacted Certegy, they advised that my Certegy account had a negative posting ( related to the check processing error ) and that my account would be limited for the next 14 days.
How can XXXX company, working on behalf of another company with no review of their error even after the problem was identified, have the ability to flag my banking account to the point where I ca n't even buy groceries? During this entire ordeal, I escalated with all XXXX companies and was told that they saw the issue, would work on it, and yet nothing happened other than my account being restricted. Now I had to open a debit account with my same bank in order to make purchases and wait 7 days for that to arrive. During which time, I have to pay cash for my purchases and limit any shopping that I do. I have yet to run my credit report, but since merchants are already declining my check, I suspect that it 's on it. This will directly influence any purchases that I make at any merchant out of fear that this happens again.
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Cont'd attempts collect debt not owed
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Please help me as a loan servicer, Nationstar Mortgage, has erroneously reported foreclosure debt forgiveness income to the IRS on a XXXX, and they seem unable to fix it! I did not have any debt or a foreclosure with Nationstar!
Here is some history : I executed a deed-in-lieu with XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX I was notified that they had transferred my " loan '' to another servicer, XXXX XXXX XXXX ( XXXX ). This was obviously a mistake as XXXX owned the property at this point. It took most of XX/XX/XXXX to work with SLS management to get my account closed, and I filed a complaint with CFPB ( Case number XXXX ). Unfortunately, in XXXX XXXX XXXX transferred my " account '' to yet another servicer, Nationstar, even though my account was closed! I was furious, but XXXX said there was no way to stop the data transfer. XXXX assured me Nationstar would clear up the matter quickly as it was obvious I did not actually owe debt. Then in XXXX XXXX I received a XXXX for " debt forgiveness '' from XXXX, as they had closed my account as a foreclosure! ( I had of course already received a XXXX from XXXX for tax year XXXX. ) Over the next several months I worked with XXXX managers to get the XXXX rescinded from the IRS, get the duplicate foreclosure and delinquent payment reporting off my credit report, and worked with Nationstar to get my account closed. All these issues take so long because every time I call these companies I have to wait 30-60 minutes on hold before I get through, and when I do, most of the time the customer service rep does n't know what to do, transfers me to the wrong department, or tells me they ca n't help. Any investigation into my documents requires I engage some " research department '' whom I can not contact directly for status. Customer service reps often misinterpret the research dept 's status, telling me the issue is resolved when it is not. Finally, Nationstar closed my account around XXXX XXXX.
My Current Situation : In XXXX XXXX, I received another XXXX for " debt forgiveness '' from Nationstar! This is because, when they finally closed my account, they documented it in their computer system as a " foreclosure '' which automatically generates a XXXX Over two months and 9 or 10 phone calls later, I have still not gotten Nationstar to rescind the XXXX. I have been given the name of a manager who apparently says he is going to work the issue with " the corporate office '', however I can not contact him directly. I am getting really worried as I have to file my taxes in a few weeks and I can not do so with {$150000.00} of false " income '' being reported to the IRS.
I am very concerned as my financial information and credit reputation are in the hands of dysfunctional companies staffed with incompetent people whose slightest error can cause me hundreds of hours of work. I am very concerned that Nationstar will not rescind the XXXX in time for me to file my taxes. I am very concerned that somehow, though my account is closed, my information will be transferred to another servicer who will start trying to bill me for a property I do not own.
Attached is documentation of this issue, from the original DIL with XXXX XXXX XXXX, through XXXX, to Nationstar. Please warn all XXXX of these institutions not to transfer my closed accounts. This last bout with Nationstar has caused me a great deal of stress.
Please help me with the following : - Get Nationstar to rescind the erroneous XXXX AS SOON AS POSSIBLE ( 2 weeks or less ).
- Get Nationstar to guarantee they will not transfer my information to another lender. Would rather they delete me from their system.
Thank you. I believed filing a CFPB complaint helped me with SLS and I 'm glad to have this recourse available.
XXXX XXXX
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Credit reporting company's investigation
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In 2014 I disputed directly with the Creditor XXXX XXXX XXXX XXXX XXXX an account that was reporting derogatory to the XXXX credit agencies. During this time XXXX VP of Operations sent me a letter stating that the account had been corrected. XXXX and XXXX did in fact correct my account to reflect my accounts as paying on time and current. However, Equifax has not. I have submitted numerous disputes and Equifax has not corrected the issue. The reasoning on the disputes states that the information has been verified with the creditor. Even after I have notified them and submitted the letter from XXXX XXXX XXXX they refuse to correct this. I have also contacted XXXX directly and they stated that Equifax has not reached out to them. I would like this matter resolved immediately as possible as this is affecting my score.
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Cont'd attempts collect debt not owed
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I filed a complaint with the XXXX about XXXX, formerly XXXX XXXX. This is a gas procurement service that is billed through my utility XXXX XXXX XXXX. It is impossible that there is any debt, and I feel that they sent me to collections as retribution for filing a XXXX complaint against them. My account with XXXX XXXX XXXX is current and paid. However, I received a collections notice that looks legitimate. I also received a phone call from a different collections company.
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Cont'd attempts collect debt not owed
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harrasing letters and calls from this debt collect to collect a debt I dont owe
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Communication tactics
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Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.
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Communication tactics
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My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school.
I 'm currently in a dispute with my local community college regarding a small debt, either {$49.00} or {$79.00}, depending who I speak to. In XX/XX/XXXX I took XXXX XXXX XXXX classes and paid upfront with my credit card. One of the classes was canceled, and I was refunded the money for it. XX/XX/XXXX I received in the mail a small slip of paper saying in part : " Dear XXXX, Please be advised you have a past due balance with XXXX for a XX/XX/XXXX XXXX ... Pay by XX/XX/XXXX '' It did not look like a bill or invoice and my name was not on the slip or the amount owed. I called the college that day and spoke to someone who could n't tell me what class I owed for or provide any of the normal information that one would find on a bill or invoice. The woman I spoke to promised she would do research and get back to me, which never happened.
I must point out, that I 've never been a matriculated student at this college or had a student loan. I registered and paid for XXXX XXXX classes in XX/XX/XXXX, attended XXXX, the XXXX was canceled, and the money for that class refunded. Also, the paperwork seems to indicate this " debt '' was for something in XX/XX/XXXX, and I never registered for or attended ANY classes in XXXX. When I got the notice from the debt collector, I called the contact for the college on that notice and failed to receive any meaningful information that would indicate I owed them money. The woman was " too busy '' to explain it other than to say that XXXX people in her department looked at the paperwork and agreed I owed them money. I responded that they should send me a proper invoice if they have such paperwork.
At any rate, they sent this alleged debt to AR Resources Inc., and their first contact with me by mail, they sent the notice to an old address. The address is from at least 25 years ago or more. The XXXX college does not have this address on their records, so I believe AR Resources Inc deliberately used an absurdly old address so I would n't get the notice. The reason I got the notice, despite the old address, is because I still live in my home town and people in the Post Office know me and where I live currently.
I can not stress strongly enough that AR Resources Inc had to deliberately do EXTENSIVE research to find this address. It 's not a simple clerical error. The house number they used was from the pre-XX/XX/XXXX era. Not before XX/XX/XXXX, but literally before my town had XXXX service, you know? When this address was valid, if you needed the police or ambulance, you would have had to dial the XXXX DIGIT PHONE NUMBER ON A ROTARY PHONE.
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Dealing with my lender or servicer
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the Sallie Mae web site is difficult to make online payments. The loan account numbers do not all show up in loan summary. I have to click on other loans to have them appear. Then the previous loans disappear. This site is difficult for me, and I have had too may years of experience with student loans. My last month payment was reversed, I did n't reverse it, the bank did n't and Sallie Mae did n't either. But, I paid a late fee because of it!! HELP!!! I fear that when my son graduates in XXXX, the site will be difficult for him and could result in loan default. PLEASE help fix this mess. I dislike having to work with these private loan companies. Then, trying to get an answer from customer service is exhausting. I asked to speak to a supervisor and was put on hold for 30 minutes. I HUNG UP! I have better things to do with my time.
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Communication tactics
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I do not know who these people are but they continuously call my house and NEVER leave a message. This past XXXX, XXXX, and XXXX alone they called XXXX times. Friday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Saturday XXXX/XXXX/2015 at XXXX, XXXX, XXXX, and XXXX. Sunday XXXX/XXXX/2015 at XXXX, and XXXX. I believe this is harrassment and if the matter does not get resolved I would like to take legal action.
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Incorrect information on credit report
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Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report.
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report.
3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times.
XXXX XXXX # XXXXis not my account please remove this from my credit report.
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
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Incorrect information on credit report
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I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
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Dealing with my lender or servicer
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Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date.
School : XXXX XXXX ; XXXX, OH
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False statements or representation
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A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.
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Communication tactics
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They robo-dial my number from XXXX. When I answer a computer picks up and says wait for an account manager. I wait then it hangs up on me. This has been happening for a week now. When I call in a automated system answers and outs me in que eventually a human answers and Identifies themselves as American Medical attempting to collect a debt.
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Disclosure verification of debt
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On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.
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Improper contact or sharing of info
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I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.
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Cont'd attempts collect debt not owed
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I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.
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Communication tactics
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I am repeatedly getting calls both on my cell phone and my place of business. I have asked that they send a letter advising of the debt so I can handle it accordingly if owed and then block the number on XXXX. I 'm continuously getting calls from changed numbers and no letters have been sent.
The other numbers that I 've been called from include:XXXX
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Cont'd attempts collect debt not owed
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On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
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Improper contact or sharing of info
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I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.
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Cont'd attempts collect debt not owed
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I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX
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Improper contact or sharing of info
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An apartment company filed a invalid debit with Hunter Warfield Collection agency. I had filed a notice to dispute and also contacted the apartment company and an attorney. The leasing company, XXXX XXXX XXXX in XXXX XXXX chose to ignore the letter from my attorney stating the debt was invalid and discontinuing collection activities. About a 4 days after the letter from my attorney was writtent to both the collections agency and the leasing company an old aquantance of mines PARENTS recoevef automated dialings from the collections agency about me. Not only was I embarassed but they had no reason to contact someone I knew years ago parents. When I asked them to stop they basically told me that I needed to pay my debt I told them to talk to my attorney and all collection contact needed to stop and they told me no, only for a week they would stop and then they would start again.
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Incorrect information on credit report
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Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Experian via certified mail. Experian refuses to honor my claim & the evidence submitted. Experian continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXX is not my account please remove this from my credit report.
2 ) XXXX XXXX XXXX # XXXX is not my account please remove this from my credit report.
3 ) The Department of XXXX XXXX XXXX XXXX XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times.
4 ) Navient # XXXX is not my account please remove this from my credit report, In addition to this account being reported multiple times.
5 ) XXXX XXXX # XXXX is not my account please remove this from my credit report.
4 ) Diversified Consultants XXXX Is not my account ( s ), please delete them from my credit file I would also like for Experian to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
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Cont'd attempts collect debt not owed
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I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.
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Cont'd attempts collect debt not owed
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I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
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Cont'd attempts collect debt not owed
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I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.
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Incorrect information on credit report
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Experian is not allowing paying customers to dispute things on line. They are not removing XXXX items from my credit report that do n't exist anywhere in the system nor the original creditor has any record of the XXXX XXXX accounts balance 64.00 $ and 89.00 {$.00} Neither entities have resolved the issue. It is impacting my credit score and ruining my life literally.
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Incorrect information on credit report
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Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.
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Communication tactics
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They call non stop. They rang my phone non so for so long the portable phone died and needed to be recharged all night.
They were very rude to my wife and they call after XXXX.
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Cont'd attempts collect debt not owed
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Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.
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Cont'd attempts collect debt not owed
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The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.
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Incorrect information on credit report
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We have an auto loan with XXXX XXXX. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what XXXX would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by re ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by XXXX NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speakThis was no way in any shape or form our mistake.
ResolutionI would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved.
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Cont'd attempts collect debt not owed
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On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
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Cont'd attempts collect debt not owed
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I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
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Taking/threatening an illegal action
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I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.
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Incorrect information on credit report
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We have an auto loan with XXXX XXXX. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX.
After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork again I received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by nishinda that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension.
At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own.
I called back today XXXX XXXX to find out what XXXX would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by re ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me.
I 'm being penalized on my credit by XXXX NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up.
My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP.
If you need any other information I am available to speak This was no way in any shape or form our mistake.
Resolution I would like the delinquency removed off all XXXX credit agencies ASAP and I would like a letter explaining their mistake and in the letter explaining what they are doing to resolve the situation. I am being penalized trying to get any credit due to their NEGLAGENCE and I was this resolved as soon as possible since they have their notes in their system showing when I called and when this was supposed to be resolved.
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Incorrect information on credit report
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My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX.
I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file.
Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported.
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )
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Incorrect information on credit report
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I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.
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False statements or representation
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Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX
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Incorrect information on credit report
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EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...
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Communication tactics
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Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.
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Taking/threatening an illegal action
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Fairway Collections is suing me for a debt incurred XX/XX/XXXX. The debt was for {$160.00}. They garnished my husband 's wages and collected {$230.00}. They did n't garnish anymore and thought the debt was paid. Then, in XX/XX/XXXX they attempted to garnish again and we made a payment agreement paying another {$150.00}. ( at that time I was suffering from the effects of XXXX XXXX XXXX ) Again, we thought our obligation was finished. Now they are attempting to garnish my husband 's wages again for the same debt and this time have tacked on interest, court fees, etc. for a grand total of {$1500.00}! That is 12 times the amount of the original debt! We offered them our entire income tax return of {$400.00} and they refused! Please help us. My husband just got a new job because his company is closing. The new medical insurance is unaffordable for me and being a XXXX XXXX survivor it is very important for me to have insurance. We were in the process of purchasing insurance for me but the collection agency will take XXXX % of my husband 's paycheck.
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Cont'd attempts collect debt not owed
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they keep calling me to get debt i do not owe. i couldnt understand the women she was talking too fast but she mentioned that the debt belongs to comcast. i do not owe comcast anything and comcast did not contact me about any debt issue.
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Cont'd attempts collect debt not owed
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XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy!
I refuse to pay any more money to them.
XXXX XXXX XXXX
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Disclosure verification of debt
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The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago.
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus.
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.
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Communication tactics
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XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX.
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up.
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO!
It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?
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False statements or representation
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they were charging me for having the services that I did not which I had continuously called them about. I was using regular phone service and they were charging me for internet data usage when the phone I was using could not even access the internet. They are now in the middle of a class action suit regarding this.
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Communication tactics
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On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me
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Taking/threatening an illegal action
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I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling three way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in 2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for Evans and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the Evans law associates and the XXXX has XXXX complaints against Evans Law Associates
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Disclosure verification of debt
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Please let me know what company this is. I have no idea what company this is.
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Improper use of my credit report
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I paid for my credit report at XXXX and found that on XXXX XXXX, 2015 XXXX hard inquiries were pulled with concern to : XXXX and XXXX, so I called them. The information I received was an incorrect social security number, date of birth, address and employer was given when applying for auto loans. I was referred back to Equifax whom is reporting the XXXX hard inquiries. I 'm being bounced back and forth between Equifax and XXXX XXXX and XXXX Loans. I did not apply for any auto financing and would like CFPB to investigate this matter. As per my credit report this matter is only on my Equifax report.
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Communication tactics
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M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.
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Cont'd attempts collect debt not owed
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XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
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Disclosure verification of debt
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I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
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Disclosure verification of debt
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I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
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Unable to get credit report/credit score
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XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.
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