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Communication tactics
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I receive at a minimum XXXX phone calls a day from them. They never leave a message.
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Incorrect information on credit report
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TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue.
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately.
Both XXXX and XXXX are reporting your credit card correctly.
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union.
Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation.
I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.
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Cont'd attempts collect debt not owed
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On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.
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Communication tactics
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Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????
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Cont'd attempts collect debt not owed
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I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
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Dealing with my lender or servicer
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A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.
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Communication tactics
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Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.
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False statements or representation
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I 've been paying on debt with ASSET ACCEPTANCE , LLC and after several attempts i was unable to contact them and left several messages, i was also with a credit counciling : FAMILY Credit Management and they were unable to get in touch with them after several attempts, anyways we did finally contact them but them amount owed had changed several times and during payments i had them down to {$1400.00} and change when they informed family credit management that i was being charged with a 4 % interest and had no prior written agreement or acknowledgement, i finally paid them off this last week XXXX XXXX, 2015 or so through family credit management, when i asked family credit management for a detailed payment history to them the original balance was {$2500.00} and they told me it was {$2700.00} when i added up the payment history i received through family credit management it totaled more than {$3600.00} and i mentioned this to them and they blew me off. i would like to get some of money back and an explanation why i was told about the interest rate of 4 % on an old cell phone bill, too which I 'm still with the company.
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Cont'd attempts collect debt not owed
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This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc
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Incorrect information on credit report
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i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!
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Cont'd attempts collect debt not owed
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This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
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Incorrect information on credit report
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I disputed a Collection with Transunion. XXXX XXXX XXXX. # XXXX. The original account was with XXXX ; account # : XXXX ; it has been sold to XXXX XXXX XXXX, XXXX, I got the m to remove it, and then to XXXX XXXX XXXX and I believe a few other ones. Also, this account is not mine, I have already proved a few times, that this account belonged to a relative and they did not pay and for some reason, all of these companies have been trying to come after me. On XXXX XXXX, XXXX ; I already got Transunion to delete this alleged account from my file, because it was never mine and today ; now.. XXXX XXXX, XXXX ; they are stating XXXX XXXX XXXX is remaining on my credit report until XXXX XXXX. I am asking for your help, once again, CFPB has already helped me with this same issue and same original account number once before ; back in XXXX XXXX ; this issue was XXXX again removed with your help, it seems as if the account is being sold here and there and I am having to deal with this at least once a year. Please help me remove and please help me stop the collection agencies from repeating of selling this account. Again this is not my account and it never was my account.
I do n't have a scanner ; but the original case # s were : XXXX and XXXX.
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Communication tactics
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I field a complaint with CFPB regarding to Ally to resolve a matter. However Ally is calling me on an automatic system and blocking their phone calls without resolving these matters. They call my house all day long more than XXXX times. We are in dispute and they refuse to resolve the matter as I am waiting for a supervisor to return a phone call to me however this is an automatic system and then they block the calls the rest of the day.
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Taking/threatening an illegal action
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freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia
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Cont'd attempts collect debt not owed
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I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.
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Incorrect information on credit report
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I ordered a SS card and after 3 weeks I called the social security admin and they said that my card was ordered and mailed. I never received it. Some one is using credit to obtain credit.
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Communication tactics
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They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
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Cont'd attempts collect debt not owed
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This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid
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Communication tactics
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On XXXX/XXXX/XXXX I received back to back calls from ( XXXX ) XXXX & one call to my home. Voicemail was left by XXXX, stating that needed to verify address & employer so they could process their claim against me. Threatened to contact my references. Was told I could call ( XXXX ) XXXX, no other information was given. I could on XXXX/XXXX/XXXX & was told that they, Global Recovery Group, were trying collect on a Payday loan that I " applied '' for online & " received '' from XXXX XXXX XXXX in the amount of {$450.00} back on XXXX/XXXX/XXXX. I informed that that I never took out such a loan & never heard of this company. Insisted that because they have my email address that I did do it & just do n't remember the name because the online site was just how I applied. They also know my bank account number which has me nervous. Was given a website, openconsumer.info that allowed me to access my account with them using my claim # XXXX. It shows my SS # and address, but no date of birth or employer. it has a tab to view documents but no documents are there. I faxed bank statement with just deposits visible to prove no deposits were made in that amount at the time they say I took out such loan. I asked for verbal & written confirmation that the matter was resolved & was told that they could not do that. When I explained that all debts paid get proof, I was told I was being too technical. The website now shows inactive with a balance of {$620.00}. This has all the signs of a scam/fraud. The XXXX XXXX is warning consumers to be aware of scam debt collectors operating into south Louisiana.
The XXXX has recently received several calls from concerned residents concerning at least XXXX variations of this type of scam over the last two weeks.
The first scam involves scammers calling consumers and informing them they would be arrested by local law enforcement in the immediate future if they did not immediately remit payment for a payday loan they took out months or even years prior.
In most cases, residents have never even taken out these loans, but the XXXX has received reports of people paying XXXX to avoid the possibility of arrest.
These callers are also persistent and violate state and federal phone collection laws by calling at all hours of the day and night to home, cell and work numbers.
Scammers do this in order to either annoy residents at home or embarrass innocent employees at their work place in order to pressure them into paying in order to stop the harassment and threat of possible job loss.
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Disclosure verification of debt
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I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''
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Incorrect information on credit report
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My credit is not being resolve and not all on same page with all XXXXbureaus
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Incorrect information on credit report
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Disputed this collection on XXXX and it was Verified Accurate in XXXX-3 business days on XXXX.
1. This account was removed before as it is not my account.
2. I have no knowledge of this account.
3. I followed up with my XXXX XXXX XXXX who advised I am not in collections and do not have a current balance.
This debt is frivolous and should be removed immediately. How can an item be disputed and verified in 2 business days? What is the process for verification? What information has the collection agency provided that this collection is valid and in my name? How was I able to have XXXX service if this collection is stating have an over due collection balance of XXXX. XXXX?
Please remove this debt.
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Cont'd attempts collect debt not owed
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I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.
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Improper contact or sharing of info
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XXXX XXXX keeps contacting my parents and grandparents who live in completely different households and states.
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Incorrect information on credit report
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I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!
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Communication tactics
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I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.
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Incorrect information on credit report
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The Credit Bureau I am continually having issues with is EQUIFAX.
I was a victim of identity theft, and have worked on correcting all the fraudulent information with all XXXX bureas for five years. It has taught me to check what the bureaus are listing more than just once, annually.
So, on XXXX XXXX, XXXX I was in a XXXX, which my terrible attorneys told me I should persue at a trial. Before I sought out legal advice I had told the hospital to please file my emergency room visit, and all my medical, with my medical insurance company.
Several years later I was notified that MY ATTORNEY HAD ABANDONED MY CASE, and I would receive NOTHING to compensate all I had lost, all when the person at fault was heavily insured.
These court proceedings finally ended in XXXX of XXXX, yet one week later I received a notice from XXXX Hospital that my account had not been paid, and therefore it would be placed in collections if I was not going to satisfy the entire balance.
I phoned the billing administrator immediately, and not only did I ask " HOW '' that could be the case, since I had requested them bill MY MEDICAL INSURANCE IN FULL, but also that I had not ( until receiving that XXXX letter ) been guilty of ignoring a bill I had no knowledge existed, & that the case had just ended days before, much less 90-days late, putting it in default status, therefore collection worthy.
The administrator told me, right away, that she would take care of this, because my records showed that I had signed all the hospital 's paperwork, & complied by giving the hospital all my insurance information at the time of my ER visit, and I should never have received a bill.
I thanked her, profusely ; but was unaware that this {$0.00} ZEROED-OUT bill would show ANYWHERE within the XXXX credit bureaus. It is only listed with Equifax , and disputing this has proven futile, due to Equifax 's practices of failing the consumers by NOT listing any phone number where one might be able to explain what 's going on, and be advised about how they can go about having these types of things removed!
Equifax is infamous for directing any & everyone to a website for all disputes. Well, what can one do if they are " willing '' to file the online dispute, but are told ( after entering all their sensitive data ) that " They can not do so because the information listed DOES NOT MATCH the information which Equifax has on file ''??
Throughout my fight to fix my credit, due to people who assumed my identity, I ended up having to file XXXX reports with the XXXX, and have stayed on top of the continual issues that still arise due to the felonious actions of others who will never be held accountable, although the endless proof I have against each XXXX. Should n't this be enough?
Obviously, if you were to ask Equifax , their answer will be to " TAKE IT TO WWW.EQUIFAX.COMXXXX ''.
It 's a shame when the XXXX credit bureau used by such a majority of the world 's businesses ... the XXXX most consumers feel they can trust to list only what is correct, due to the decades of time in which they have been monitoring the credit of all potential consumers feel as if they SHOULD NOT be held accountable for their crippling mistakes. They are a fine example of a business proving to everyone else their unbalanced sense of grandiosity, and have even gone to such lengths where they are allowed to begrudge human beings the opportunity/rights to even do what all other bureaus gladly " will '' do.
I want to know " who '', besides the FTC, I can contact in light of Equifax 's business behaviors. I do n't feel as if Equifax should be immune to consequences when they are clearly going out of their way to intentionally make the quality of others lives so miserably complicated, and without good reason. I 'm all for " chain of command '', I simply ask to be steered in the correct direction.
Most Sincerely, XXXX XXXX XXXX.
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Disclosure verification of debt
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XXXX of my bank accts were closed on or about XXXX 2013. I received a settlement offer XXXX XXXX who in return sold the accounts to Stellar Recovery. I paid the settlement offer to Stellar Recovery , Inc. who in return sent me several paid letters of receipt. The problem is that they will not verify this information to XXXX. I 've reached out to Stellar Recovery and XXXX to have the information updated. I 've taken my receipts to XXXX XXXX XXXX who originally had the account. XXXX XXXX XXXX and myself contacted Stellar Recovery and XXXX together. My bank manager verified to XXXX that account balances has been paid through settlement. XXXX sent me a letter stating that the balances are still owed and that the balances were verified through the FI, ( Financial Institution ). This is not true. Stellar Recovery states that " they can not verify to XXXX that I paid the settlement offer and I have a XXXX Balance, because they ( Stellar Recovery ) received the account from XXXX XXXX. The XXXX manager, XXXX XXXX attempted to contact XXXX XXXX. There is no working number. XXXX XXXX also spoke to XXXX and Stellar Recover while I was sitting in his office.
I would like for XXXX to correct their information regarding my accounts with XXXX. There are XXXX accounts on my XXXX report that shows the accounts are closed with balances. This is inaccurate information.
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Cont'd attempts collect debt not owed
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SCA Credit Service, XXXX, Virginia, is falsely reporting to XXXX and XXXX that I owe a medical debt ( {$76.00} ) that I do not owe. I am a XXXX XXXX XXXX Veteran, and my medical care is 100 % free at the XXXX Medical Centers. SCA Credit Service is communicating to the aforementioned credit reporting bureaus that I owe XXXX XXXX this debt. SCA 's false reporting has negatively impacted my credit report, and caused my credit applications to be disapproved. Please help me correct this problem ; I have already filed grievances to the credit bureaus unsuccessfully twice.
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Cont'd attempts collect debt not owed
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I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.
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Incorrect information on credit report
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Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.
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False statements or representation
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I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.
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Cont'd attempts collect debt not owed
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AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
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Incorrect information on credit report
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They are still reporting my lates with XXXX XXXX, and the account should not be listed in dispute
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Disclosure verification of debt
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I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..
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Communication tactics
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Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know.
I have been living in the same address now for over 5 or more years.
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Communication tactics
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The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX
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Disclosure verification of debt
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1. XXXX is competent to state the matters set forth herein.
2. XXXX has first hand knowledge of the facts stated herein.
3. All the facts herein are true, correct and complete, admissible as evidence, and if called upon as a witness, XXXX will testify to their veracity.
Plain Statement of FactsDefinitionAlleged Lender now is Bank of America N.A .
4. There is no evidence that I/we have any outstanding liabilities or obligations with ALLEGED LENDER under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. XXXX believes there is no proof to the contrary.
5. Alleged Lender failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said contract as required by law in the Truth-in-Lending Act pursuant to XXXX XXXX XXXX. Alleged Lender failed to provide me all documented information that I requested in the Qualified Written Request sent to the bank on XXXX XXXX, XXXX by RPOST Registered XXXX Mail XXXX. In addition, LEGAL NOTICE Registered XXXX Mail sent to Alleged Lender 's attorney/s Blank-Rome LLP XXXX of Law, XXXX and XXXX XXXX : Second Request for Proof of Claim Dated XXXX XXXX XXXX was sent to the bank by RPOST Registered XXXX Mail XXXX and received on XXXX XXXX, XXXX. Alleged Lender, failed to produce for my inspection upon demand as required by Uniform Commercial Code of the original ( Wet Signature ) documents including the Security Deed and the Promissory Note and allonge, as evidence that they are, in fact, the holder in due course of the purported obligation. Despite being given XXXX opportunities to provide proof of claim on this matter via certified mail, Alleged Lender can not and has not been able to provide presentment upon demand. XXXX alleges and believes that Alleged Lender is not the holder in due course, nor the real and beneficial party of interest for the above loan.
7. ALLEGED LENDER failed to prove that they are the Note Holder in Due Course pursuant of U.C.C. - ARTICLE XXXX XXXX despite XXXX qualified written request 's demanding the Alleged Lender to stipulate and clarify this fact. No where on the loan documents or security deed was there mention of the word " holder ''? Therefore ALLEGED LENDER fully admits that they are not the holder in due course, nor a real party of interest in the above loan.
8. If in fact ALLEGED LENDER has the authority to enforce the contract through servicing and assignment, they have provided no proof of such authority despite XXXX written requests via RPOST certified email. Therefore XXXX alleges and believes that ALLEGED LENDER does not have any authority to enforce the contract for the above loan.My Fair Debt Collection letter were quite frankly ignored .The rebuttal of Tila rescission letter was clearly denied and considered closed by XXXX XXXXLITIGATION SPECIALIST Bank of America .AlthoughTILA does not evidence a contrary Congressional intent XXXX it 's statute of limitations must be read to be subject to equitable tolling, particularly since the Act is to be construed liberally in favor of consumers. '' XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ).
This response from a letter sent certified in XXXX is now a issue for the alleged pretender lender. and finally I/we made firm request for a viewing of wet ink note along with a Perfect Chain of Title insert from letter " Dear Sir, This letter dated XXXX XXXX, XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at XXXX XXXX XXXX, which stipulates that a debt collector must, verify request
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Credit monitoring or identity protection
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Someone else is trying to be me n using my info
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False statements or representation
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I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
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Communication tactics
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I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection.
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me.
2. There is no reason for a debt collector to be contacting me.
3. cease and desist.
4. Further I am XXXX and do n't do business over the phone.
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ).
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again.
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ).
All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint.
I will not call them back based on my past experience with another highly unethical collector and my XXXX.
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate.
This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this.
I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX.
I would like to think that this latest call is a result of a failure to communicate that no one should be calling.
a debt owed to
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Disclosure verification of debt
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Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications
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Improper use of my credit report
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On XXXX/XXXX/2014 in XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX denied loan because The Credit Bureau -TransUnion changed my personal information my XXXX name and my mother XXXX name.
Also in the report see that without my permission on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. They requested my information in The Credit Bureau without my knowledge. I tried to ask that they tell the truth to sent to credit bureau, but they denied to help me.
Need to check XXXX XXXX, I think that they started the problem in XXXX/XXXX/2014 with XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX, ( XXXX ) XXXX. I not want see more XXXX in my report.
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Dealing with my lender or servicer
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In XXXX of 2012 I was unable to make full payments on a group of student loans with Wells Fargo XXXX XXXX. The problem arose when in making a partial payment through the Wells Fargo online portal, instead of paying the loan that could have been paid with the partial payment Well Fargo divided up the payment among the XXXX loans and in essences allowed them to be all delinquent. This lead to them assessing late fees on all loans in the group and reporting them to the various credit bureaus. Furthermore, at the time the option to assign payments to different loans in a group had not established ( until very recently ). My problem lies with the way Wells Fargo chose to assign payments to maximize their profits at my expense as well as their convenient use of group loan policy. Previously, on their website they treat loans as a group establishing XXXX payment amount for the entire group but when reporting to credit bureaus and for assessing fees it is every loan for itself. Currently, Wells Fargo has corrected the payment process online, now when you attempt to make a partial or extra payment amount you are given the option to chose which loans to pay. In my mind this is tacit acknowledgment that their previous policy was wrong and detrimental to their customers. For me the damage is done, however the remedy I seek from Wells Fargo and I have reach out to them in this regard is the removal of at least 1 of those late payments from my credit report. This would provide some relief from the flawed methodology that Wells Fargo used that I personally had no control over. I have prepared a letter to send to Wells Fargo to express my concerns but I have launched this complaint because I suspect that I am not the only one who has suffered this faith.
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Disclosure verification of debt
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Charter One Bank & Credit report issue : I received letter in XXXX related to this account. Based on my concerns, I met XX/XX/XXXX with an Account Specialist at Charter One Back in XXXX XXXX ( XXXX XXXX XXXX ), I believe her name was XXXX. She informed me that this equity loan could not be drawn against any longer. She told me it was not due in full and I could continue to make payment on it to pay it off. I had been paying $ 160/month, but increased the payment with Automatic withdrawal from my Charter Checking to $ 500/month starting in XXXX.
I also had issue checking if payment were made and how much I owed due to not being able to see a statement on my Charter workflow. I asked ( sent requests ) about this statement issue several times and could not get good answer why. They would tell me due to status.
After I set automatic transfer for the $ 500/month payment and did n't concern myself with this account and thought all was ok. This is what Automatic Payment is about, not having to check it monthly. In XXXX, I was collecting Tax information and asked about Interest paid on this account and was told it was in bankrupt status and no credit was being charged. I did ask why and they told me it was related to my Ex-Wife 's Chapter XXXX filing in late XX/XX/XXXX - XX/XX/XXXX. I did not know anything about this filing. I assumed since it was her bankruptcy it would not affect me and I agree to continue to pay off this loan. I requested to put it back on automatic payment & was told I could not and had to manually send Check in to Charter One.
I received several Credit inquires letter for Auto loan were the bank said I was denied due to my credit report, so I requested a Credit Report and found this account in Charge Off Status! I attached the page were this is noted and you can see I was paying this through XXXX with auto withdrawal. The report states I was 90 days late while I was still paying, this is an issue. I did not know this at the time, but in XXXX, the auto transfer must have been stopped by Charter without my knowledge or notification. I do know see Fail to Transfer notes, but I see these types of notes out of Charters system and then the funds transfer, so I did n't think much about it. After 60 days of non-payment ( due to Charter stopping the transfers ), the account was put in Charge Off. Again, I was not informed of this issue back in XXXX, XXXX, XXXX, XXXX.
I attached copy of transfer failure that I looked up after a realized that the payment were not really going through.
My issue is with this account being put in this status without ever being called or a letter written to me. I attempted to pay Charter $ 500/month and the only reason you did not get paid, was because Charter 's own bank stopped these payment, not me!!!
I requested this credit information be removed from my Credits Reports and this account re-established so I can set-up auto payments. I requested Charter One to understands my frustration with this and that I was always willing & attempting to pay on-time what I owed.
About a week or so after I sent this request to help fix this Charter One issue, I received a call from a Collection Agency ( XXXX XXXX XXXX XXXX ) that stated that they were hired to collect on this Debt! They told me I had to end of the month to come up with ~ {$39000.00} payoff. I told them I did not have {$39000.00} laying around and what my options were, They said I could request a reduced payoff, so I offer 50 % which they did not accept, but did come back with an offer of {$22000.00}, so I accepted and borrowed money from my XXXX to pay this amount. Now I have both late payment on my Credit Report & loan payoff at reduced amount. I have never had a Credit issue on my report and now due to Charter One 's actions, my credit report & ability to get loans is effected, XXXX loan denied.
Need help, XXXX
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Can't repay my loan
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I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back.
Distraughtly concerned,
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Incorrect information on credit report
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i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.
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Communication tactics
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They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day.
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Cont'd attempts collect debt not owed
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This agency NCO FINANCIAL SYSTEMS is misrepresenting their company name, address and phone number.. when you call the XXXX number it really belongs to the XXXX. They are harrassing me with these different collection agencies because they can not collect on a debt that is not mine and was a result of Identity Theft which I am a victim of. XXXXXXXX was notified in XXXX 2015 that this account was a result of Identity Theft.They received all the necessary proofs via certified mail. In XXXX XXXX, 2015 I received a letter from a collection agency stating that this account was placed for collection and i must pay. On XXXX XXXX, 2015 I sent them via certified mail all necessary paperwork, theft report from FTC etc.they apparently turned around an sold the debt again to this NCO financial system because now on XXXX XXXX, 2015 I received yet again another collection letter from NCO indicating that I owe this debt. When I called the XXXX number that is on the letter, the representative " XXXX '' states that the company name is XXXX XXXX XXXX XXXX XXXX XXXX . How can this be if the letter has the address and name of NCO Financial Sysytems. Misrepresentation? And XXXX /XXXX was already sent the necessary legal paperwork indicating that this account has been a result of identity theft. Why are they still trying to collect on this debt? Another thing they also sent me the paperwork that was involved with the application process at the time of the theft occurance. The signature is not mine. I filled all necessary forms with ftc and police dept and have provided them with my notarized signature and they still try to collect. Why?
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Communication tactics
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Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government.
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.
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Cont'd attempts collect debt not owed
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This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being XXXX household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on both them accounts. So portfolio had both debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts
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Incorrect information on credit report
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I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another
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Communication tactics
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I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
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Can't repay my loan
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I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.
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Dealing with my lender or servicer
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Navient has not provided me with an accurate XXXX Student Loan interest paid statement for my private Student Excel loan. Account number XXXX. When requesting a XXXX by phone I was directed to a customer service representative specifically trained in Private loans and was assured I would receive it in my email. The attached form was received and is not accurate nor a XXXX.
I received a notice on the automated phone system that a self certifying form to confirm the interest paid for my XXXX was sent to my mailing address was correct but I have not received it yet nor is it available online for download. This is an unnecessary burden mean to discourage borrowers from receiving tax benefits for private loans. The XXXX should be available and should have been mailed to me since i paid more than {$600.00} in interest and capitalized interest in the 2014 tax year.
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Incorrect information on credit report
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Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.
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Incorrect information on credit report
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I filed chapter XXXX non asset bankruptcy in 2013 and some creditors still remain in my credit history as negative when should not be there. I have written letters and still no response
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Cont'd attempts collect debt not owed
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CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.
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Cont'd attempts collect debt not owed
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I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.
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Disclosure verification of debt
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Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.
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Communication tactics
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They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
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Improper contact or sharing of info
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On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
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Cont'd attempts collect debt not owed
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I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer
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Can't repay my loan
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During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.
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Cont'd attempts collect debt not owed
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Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports.
STELLAR RECOVERY INC .
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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Cont'd attempts collect debt not owed
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I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Disclosure verification of debt
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On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus.
Thank you!
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Cont'd attempts collect debt not owed
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Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help me.
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Dealing with my lender or servicer
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In XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I checked my credit reports, confirmed the presence of the fraudulent account, and contacted each of the XXXX credit reporting companies and disputed the information. At varying dates in XX/XX/XXXX, each of the credit reporting companies ( CRCs ) reported that the account was confirmed by the lender. To date, the fraudulent information remains on my credit file and [ neither ] CRC has ever notated my credit profile about the account being disputed.
After [ several ] additional telephonic requests to the lender between XX/XX/XXXX to XX/XX/XXXX, the lender mailed me a copy of the loan origination documents along with its internal ID theft package. I immediately filed a law enforcement report ( LER ) with my local Sheriff 's Office and returned the original package and supporting documentation to the lender in XXXX. The supporting documentation included a copy of the lender 's loan origination document, my LER, drivers license, social security card, and hand writing samples.
In XX/XX/XXXX, I was notified by a potential employer that I was deemed unsuitable due the presence of delinquent financial information on my credit report. In that same notification, I was provided a copy of my combined credit report which still contained the fraudulent account on each of the CRC 's reports. I began researching laws and learned about the FCRA and the FTC. After learning that the combination of an LER and FTC Identity Theft Affidavit ( ITA ) produce an Identity Theft Report ( IDR ), I filed an ITA on the FTC 's website.
In turn, I sent [ via certified mail ] FTC 's CRC-template letters and supporting documentation to each of the XXXX credit reporting companies requesting that the fraudulent account be blocked, removed, and that a extended fraud alert be placed on my credit file as per the FCRA. The supporting documentation for each submission of FTC 's CRC-template letter included a copy of the lender 's loan origination document ; my credit report, drivers license, social security card, and hand writing samples ; as well as FCRA Section 611.
According to XXXX tracking, the CRCs received their certified letters on XX/XX/XXXX and XX/XX/XXXX [ XXXX ], respectively. To date, each CRC has placed an extended fraud alert but has [ not ] blocked the fraudulent account information from my respective credit profile [ or ] contacted me declining my request to block the fraudulent information. In fact, XXXX CRC will not allow me to order a credit report directly and advised ( via telephone ) that my IDR was not sufficient but would not provide its justification method in making that determination. Subsequently, and, respectively, I have ordered additional credit reports which indicate each CRC 's non-compliance the FCRA 's imposed time limits. To their credit, XXXX CRCs have listed the fraudulent account as disputed/under investigation.
Additionally, I sent [ for the XXXX time, via certified mail ] FTC 's lender-template letter and supporting documentation to the lender requesting that the lender block, absolve me of responsibility, and stop inaccurately furnishing the fraudulent account information to the CRCs. The supporting documentation to my submission of FTC 's lender-template letter included a copy of the lender 's loan origination document and ID Theft Affidavit ; my IDR, credit report, drivers license, social security card, and hand writing samples ; as well as FTC 's Notice to Furnishers ) According to XXXX tracking, the lender received its certified letter on XX/XX/XXXX. To date, the lender has not made any contact with me.
RE : FTC ITA # XXXX
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Credit reporting company's investigation
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In XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I checked my credit reports, confirmed the presence of the fraudulent account, and contacted each of the XXXX ( XXXX ) credit reporting companies and disputed the information. At varying dates in XX/XX/XXXX, each of the credit reporting companies ( CRCs ) reported that the account was confirmed by the lender. To date, the fraudulent information remains on my credit file and [ neither ] CRC has ever notated my credit profile about the account being disputed.
After [ several ] additional telephonic requests to the lender between XX/XX/XXXX to XX/XX/XXXX, the lender mailed me a copy of the loan origination documents along with its internal ID theft package. I immediately filed a law enforcement report ( LER ) with my local Sheriff XXXX Office and returned the original package and supporting documentation to the lender in XX/XX/XXXX. The supporting documentation included a copy of the lender 's loan origination document, my LER, drivers license, social security card, and hand writing samples.
In XX/XX/XXXX, I was notified by a potential employer that I was deemed unsuitable due the presence of delinquent financial information on my credit report. In that same notification, I was provided a copy of my combined credit report which still contained the fraudulent account on each of the CRC 's reports. I began researching laws and learned about the FCRA and the FTC. After learning that the combination of an LER and FTC Identity Theft Affidavit ( ITA ) produce an Identity Theft Report ( IDR ), I filed an ITA on the FTC 's website.
In turn, I sent [ via certified mail ] FTC 's CRC-template letters and supporting documentation to each of the XXXX credit reporting companies requesting that the fraudulent account be blocked, removed, and that a extended fraud alert be placed on my credit file as per the FCRA. The supporting documentation for each submission of FTC 's CRC-template letter included a copy of the lender 's loan origination document ; my credit report, drivers license, social security card, and hand writing samples ; as well as FCRA Section 611.
According to XXXX tracking, the CRCs received their certified letters on XX/XX/XXXX and XX/XX/XXXX [ XXXX ], respectively. To date, each CRC has placed an extended fraud alert but has [ not ] blocked the fraudulent account information from my respective credit profile [ or ] contacted me declining my request to block the fraudulent information. In fact, XXXX CRC will not allow me to order a credit report directly and advised ( via telephone ) that my IDR was not sufficient but would not provide its justification method in making that determination. Subsequently, and, respectively, I have ordered additional credit reports which indicate each CRC 's non-compliance the FCRA 's imposed time limits. To their credit, XXXX CRCs have listed the fraudulent account as disputed/under investigation.
Additionally, I sent [ for the XXXX time, via certified mail ] FTC 's lender-template letter and supporting documentation to the lender requesting that the lender block, absolve me of responsibility, and stop inaccurately furnishing the fraudulent account information to the CRCs. The supporting documentation to my submission of FTC 's lender-template letter included a copy of the lender 's loan origination document and ID Theft Affidavit ; my IDR, credit report, drivers license, social security card, and hand writing samples ; as well as FTC 's Notice to Furnishers ) According to XXXX tracking, the lender received its certified letter on XX/XX/XXXX. To date, the lender has not made any contact with me.
XXXX : FTC XXXX # XXXX
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Incorrect information on credit report
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I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done.
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.
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Cont'd attempts collect debt not owed
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The debt, XXXX account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than XXXX occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. XXXX was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
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Cont'd attempts collect debt not owed
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In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free.
I said, ok and in good faith gave my bank account number.
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit.
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score.
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit.
Thank you
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Incorrect information on credit report
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On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.
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Incorrect information on credit report
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ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?
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Dealing with my lender or servicer
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The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
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Credit monitoring or identity protection
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I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.
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Incorrect information on credit report
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This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.
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False statements or representation
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On XXXX/XXXX/15 my husband received a call from Riexinger and Associates asking for me. I did speak with representative who stated she had been retained to handle debt ( old XXXX account that had been purchased several times over ). I asked rep. who the attorney was. She stated this is Riexinger and Associates. I said yes, you stated you had been retained. Who is lawyer. She repeated same statement. Mind you she had not verified who I was at all. Most companies will ask SS # address etc. She just kept talking. I said to her so you are a collection company not an attorney and she said yes. I proceeded to hand up due to rep. making false and intimidating tactics.
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Taking/threatening an illegal action
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I am writing on behalf of my XXXX year old XXXX. She is paying on her grandson 's XXXX XXXX XXXX loan, however they call her day and night requesting that she pay it off in full or they demand a very large payment. They threaten her with foreclosure and lawsuits. She pays monthly and they still call, they even call her on holidays. She asks them to stop calling and has put it in writing and the harassing calls continue. They 've told her they 'll call when ever they want and will continue until she pays off the loan. These calls are making her XXXX and I need to know what we can do to stop this harassment?
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Can't repay my loan
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Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio.
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding.
I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX.
I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job.
Thank You.
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Cont'd attempts collect debt not owed
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This was a secured card with a credit limit of XXXX which was not used. However after the card was closed now they 're reporting an outstanding balance that I do not owe. It was my money that originally secured the credit card.
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Credit monitoring or identity protection
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Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.
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Credit monitoring or identity protection
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Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud.
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.
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Communication tactics
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They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.
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Improper contact or sharing of info
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On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..
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Cont'd attempts collect debt not owed
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XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner.
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections.
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing.
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5.
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.
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Communication tactics
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This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.
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Cont'd attempts collect debt not owed
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I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Cont'd attempts collect debt not owed
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Medical Business has reported to XXXX that I owe a {$570.00} to XXXX XXXX XXXX of XXXX. This is not my bill and I want this taken off my XXXX credit report. I have tried to contact XXXX and all you can get is lost in there telephone go here go there system. This is not the first time this has happened and it has been there mistake each time and it takes hours of work and providing proof that this is not me. These companies need to be held accountable for there mistakes they make instead of making live XXXX on everyone else. I found this when I pulled my credit report. No one has contacted me on this.
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Dealing with my lender or servicer
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The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.
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Incorrect information on credit report
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TransUnion refuses to delete this XXXX account from my report.
The account was never in my name, I never applied for it, I never agreed to make payments on it, I never used it for credit or cash in any form, I never made payments on it.
The account was strictly used for a business that I had no association or dealing with.
XXXX took me to court last year to collect payment ( see court documents attached ) but had no evidence of my responsibility for the account or its balance due. Without any evidence, the case was dismissed on XXXX XXXX, XXXX, as the court documents show.
TransUnion has NO documents from XXXX showing my responsibility.
TransUnion has evidence from me showing NO responsibility for this account ( the admission by XXXX in court records ). I have disputed this with TransUnion 4 times since XXXX XXXX, XXXX with the same result.
I need your help in deleting this XXXX account from my credit report.
Thank you.
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Unable to get credit report/credit score
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I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.
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Disclosure verification of debt
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Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info
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Credit monitoring or identity protection
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Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.
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Cont'd attempts collect debt not owed
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I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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Cont'd attempts collect debt not owed
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I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.
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Communication tactics
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I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was Dispute Resolution Services. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a check into cash loan I got on XXXX/XXXX/XX/XX/XXXX. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house XXXX, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to XXXX, but XXXX is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact XXXX to notify them of this situation. She also gave me XXXX 's number to follow up with them myself. I called XXXX, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him XXXX voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " thousands of dollars in penalties ''.
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Cont'd attempts collect debt not owed
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I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
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Taking/threatening an illegal action
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We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother.
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.
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