Date Received: 2018-05-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: came on credit i never was aware of this company or had a contract with this company and this debt i wasn't informed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX-XXXX-18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. According to the Texas state secretary website XXXX XXXX Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78411
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter in the mail with my first name and someone else last name and this collection is on my credit report. I never lived at the address that the services provided nor has I ever had an account with the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I filled out a complaint on XXXX XXXX on XXXX Complaint # XXXX and was seen if yall can send my respond to this email XXXX cause I cant log in that one to see what they said and really need the complaint feel they just trying to stay on my credit long and show wrong amount owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt was disputed and asked to be validated by collection agency. On XX/XX/18 a letter was mailed to my address stating the dispute investigation was completed and that the debt was valid. They attached which was suppose to be verification of the debt. It turned out to be only a bill owed in the amount of XXXX
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute they are doing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A