Date Received: 2018-07-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Creditor received debt validation request in XX/XX/2018. Creditor responded with a statement and nothing else. Creditor requested additional information from me. It is the creditors responsibility to provide any and all information when a debt is being validated legitimately.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Had a credit card, paid the credit card in full. for some reason it was sent to collections ( XXXX XXXX ) the original creditor ( the credit card company ) has since admitted it was paid and removed it from my credit reports, however their creditor refuses. I feel XXXX is also to blame here, they allow XXXX funding to simple " say '' its Valid with no actual proof ( because there NONE ) while I show proof of the payment in the form of a bank statement and somehow the win the dispute every time. and when someone files a complaint against XXXX themselves ( with the CFPB ) they simply PROMISE to go a full investigation, but the just do the same thing and believe the creditor, its all a big scam.
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX is trying to report a collection on my XXXX and XXXX Credit Report for a XXXX XXXX 's credit card that fell off my report a few years ago when it was well over 7 years old. Due to my FCRA rights reporting this debt again as a collection when it is past the amount of years it is allowed to be on my report violated my FCRA right directly. This debt is past the statute of limitations and I am tired of being harrassed illegally about it including the debt collector contacting third parties and discussing private details with the over a debt that is literally 11 years old.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX XXXX ; however, account number provided by XXXX XXXX is inaccurate.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX is reporting a debt on my credit report and they have never sent me a notice. By law they are required to send a 30 day right to dispute notice, they can not just place it on my credit report. For 2 I already settled this debt previously with XXXX XXXX attorney so this debt is not owed.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this company appear on my credit report after i told them to send me provide/ contracts of debt.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I called XXXX XXXX To settle a charge off of XXXX XXXX ( Current servicer : resurgent capital services LP On XX/XX/XXXX I spoke with an agent requested a payoff settlement amount they approve me for two {$250.00} Took my money over the phone And said it was settled and that within 30 to 40 days I would see a difference on my credit report. ( ( ( XXXX smart connect Acct Number # XXXX XXXX XXXX XXXX {$850.00} They agreed to take a settlement amount of {$250.00} In cash Transaction XXXX Settled as agreed!!!! 30-45 days updated on Credit report XXXX XX/XX/18 PAID Confirmation # XXXX PAID!!!! RCAP / RCS processed ) ) ) Then a letter dated XX/XX/XXXX was received at my house on XX/XX/XXXX REF : XXXX stating I still owe {$600.00} whereby The Agent LIED To deceive me!!!! Not OK
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a served notice stating that I was taken to court ( without notice in XX/XX/2018 ). Which I found to be false when I called the city court of XXXX. They stated they ( XXXX ) just filed something but it wasn't complete in XXXX. I called XXXX I was going to try to work something out, although this is not my debt. My information was taken by someone that was a visitor in my home. I explained to XXXX that I have no money I am on a fixed income with the federal aid. I can not afford to pay this debt that I didn't create. The letter I was served with is not correct and I think or feel I should not have to pay
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've disputed this several times. I've been living in XXXX for the last year and before that XXXX.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A