Date Received: 2017-01-25
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. I am at my wits end and do n't know what else to do at this point.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This collection agency has been harassing me for months. I have asked them on more than XXXX occasion to validate this date. They have sent my letters of validation back to me twice. I have asked the credit agencies to look into this and dispute this information ; however, they have not been successful and they report that XXXX XXXX would send me verification ; however, they have not provided any additional information. XXXX weeks ago, I received a letter from a company called XXXX XXXX saying they brought this account from XXXX. XXXX is not following XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Debt Validation gives you the right to request written proof from a collection agency, that you owe them a debt ; it also gives you the right to remove any inaccuracies on a debt and the right to request debt elimination.
Company Response:
State: WA
Zip: 98108
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-20
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Debt was acquired under an inaccurate/false charge. I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. Debt is in collection and effecting my credit.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.
Company Response:
State: WA
Zip: 98178
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-12
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer Complaint: I received a collection Notice in the mail from a company called " Resurgent Capital Services '' in XX/XX/XXXX. They are claiming I owe a debt of XXXX to a company called XXXX. They also have stated this account was opened on XX/XX/XXXX. I know nothing of this account and would have been only XXXX or XXXX at the time being my Date of Birth is XX/XX/XXXX. This is ruining my credit before I even start my life. XXXX has reported this account on my credit and now their collection company " Resurgent '' is now additionally reporting negatively also like I have two accounts negative. I informed " Resurgent '' in XX/XX/XXXX of my age and of this matter and they refuse to remove this and will not stop attempting to collect this Debt.
Company Response:
State: CA
Zip: 93455
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have a collection on my credit reports for PYOD XXXX. I have called them and sent them letters ( that were signed for ) over 10 times and I have never heard from them. I do not owe them anything and they will not respond for clarification. This needs to be removed immediately or I will have to take them to court and ask for damages.
Company Response:
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2017-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes