Date Received: 2018-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/18 I sent a certified letter to XXXX XXXX aka Resurgent capital services. I asked them to validate a debt that was being reported on my credit report. On XX/XX/18 I received a letter from them asking me to contact office for further assistance and also wrote a disclosure stating I needed to notify them within 30 days of receiving the new notice if I dispute the validity of the debt. They told me to dispute the debt if I didnt think it was valid in response to my debt validation letter.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!
Company Response:
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Without any notice, debt collector XXXX XXXX XXXX placed a collection on my personal credit report even though the age of the debt was very old. They didn't allow me at least 30 days to dispute the debt as it doesn't belong to me, but to XXXX XXXX XXXX. Bank statements from the original creditor doesn't even have my name anywhere on it. I feel they deceptively did this to pressure me into paying for something that I am not responsible for. I don't even know where they came up with the amount they say I owe. On XX/XX/2018 I have sent them a certified letter stating that the debt is not mine and requested documentation to showed that I personally agreed to be responsible for the credit card, but they never responded to me. There actions have caused me financially as I am unable to get decent credit for myself and my business.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would like to know exactly what im being charged over {$1800.00} for. I have requested the documentation several times, directly to the creditor and the credit bureaus through formal validation. I have just received a final bill that just states the amount owed, but has no itemized charges of how the bill came to over {$1800.00} in total.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX just today sent a letter through this site saying date was XX/XX/2012, I was disputing this date on my LAST complaint along with the DEBT even being owed. I have a letter that XXXX XXXX sent through this site a few weeks ago stating the debt date is XX/XX/2012. This claim was closed, but as you can see with my newly attached letter the date was incorrect! If the date was supposedly verified and is incorrect how can any of the other information be verified as true? XXXX XXXX has been unethical and now downright false in " verified '' information. I would like for this to investigated, corrected and removed from my credit.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company calls me at least 10 times a day sometimes in repeated succession back to back. I have advised through representatives to stop calling at this point due to method of harassment and that I would handle the debt through paper correspondence or legal method.
Company Response:
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A