Date Received: 2018-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.
Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Company Response:
State: KY
Zip: 41005
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1. XXXX XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default. This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim. 2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX. Please remove XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting. Thank you XXXX XXXX
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX XXXX to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2018-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I first received a collection letter in XX/XX/XXXX in the amount of {$2600.00} from Resurgent Capital Services. Origination date with original creditor was XX/XX/XXXX, and the charge-off date was XX/XX/XXXX. I responded to this notice on XX/XX/XXXX, explaining that I as XXXX with the West Virginia XXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX, and, therefore, disputed the validity of the debt as I could not have incurred it. I requested that the company immediately cease and desist all contact and communication with me. In late XXXX of this year, I again received a second collection notice from the same company for the same creditor, same time frame in the same amount. I sent out a second cease and desist letter dated XX/XX/XXXX, again disputing the validity of the debt due to my XXXX. On XX/XX/XXXX, I received a third collection notice from this company ; same creditor, same time frame, same amount.
Company Response:
State: WV
Zip: 24740
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: started disputing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they will remove it then place it back on the report
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last year I received a notice from XXXX XXXXXXXX XXXX on past due balance. I called them and asked what this was for. Although, there was a language barrier with the rep and she didn't seem to want to listen to me only wanted to collect the balance owed, I told them to please send all statements regarding this account and contract with my signature that I signed an agreement for this account. They informed me that it was opened on line. I told her by allowing someone to open an account on line without my permission and not verify with me, this was not a valid debt. I never received anything from them, no notices and or calls so therefore I thought they handled the matter in question. When reviewing my annual credit report, I noticed XXXX XXXX charged off the balance and placed derogatory information on my credit report as well as sold the debt to XXXX XXXX XXXX and they inserted a collection account, without validating and without notifying me. I disputed the accounts with XXXX and the result was the debt was validated. It was only validated because they had my personal information without my consent, but did not validate any of the information with me. I contacted my State of Michigan attorney generals office and they informed me that XXXX XXXX XXXX is also dba Resurgent Capital Services. Neither company has a license in the State of Michigan to collect in the State of Michigan. Collection Agents/companies must be licensed in the State of Michigan to pursue a collections.
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A