Date Received: 2018-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2014 ( 4 yrs, 1 mo ) Amount {$1100.00} I contacted XXXX multiple times to dispute and prove the debt wasn't mine with letters and a letter was sent back from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I asked for verification and the letter attached is what i received. I want the actual signed contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've gotten a letter today, XX/XX/2018 from a company called XXXX XXXX saying I owed an amount of {$87.00}, stating the account holder was " XXXX ''. I've been using my XXXX account for years now and I've never been negative nor have I owed any invoices. I even looked through my XXXX account for that certain amount and there is no transaction of the sort On the letter, it didn't even tell me what was the bill specifically for aside from the amount..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. {$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} XXXX in XXXX XX/XX/XXXX XXXX {$60.00} XXXX Web XXXX XX/XX/2018 XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$58.00} XXXX XXXX XXXX XX/XX/2018 XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX I live north of XXXX, XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until 1-2 days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. However, what I was not aware of was that my credit card had been used to also open a XXXX account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from Convergent Outsourcing, a collections agency for XXXX. I was confused, so I called XXXX and that's when I found out that there was a second account that had been opened. I have my own XXXX account that I use regularly and keep up-to-date for payments. I told XXXX that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized XXXX account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that XXXX 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. I have spent over 9 hours on the phone with XXXX, Convergent, and my credit card trying to resolve this. XXXX has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. I have also filed a complaint with Internet Crime Complaint Center about these charges and the XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98026
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently filed a complaint XX/XX/XXXX against XXXX XXXX and this is the response I received : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$620.00} on their behalf. On XX/XX/XXXX, you spoke with an agent in our office and requested proof of the balance owed. The account was placed in a disputed status and collection efforts were suspended. OnXX/XX/XXXX, we mailed you statements obtained from XXXX validating the balance that they state is owed. Within the verification information we have provided is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to verification of debt. In response to your desired resolution, XXXX XXXX has closed this account in our office and returned it to XXXX. We will request that our information be removed from the credit bureaus. XXXX XXXX does not own this account, and therefore we are unable to guarantee resolution. If you have any further inquiries regarding this account please contact XXXX directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt. Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious. First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses. Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX account much earlier than that and I have statements recording purchases in XX/XX/XXXX. Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements. Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A