ABSOLUTE CREDIT LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/07/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30046
Web
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX Absolute Credit LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
09/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29445
Web
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX CO, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
01/07/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11218
Web
XX/XX/2020 - Absolute Credit LLC reported a medical collection account to my XXXX credit file. XX/XX/2020 - I sent them a certified letter asking Absolute Credit LLC to validate the debt. XX/XX/2020 - The letter was received by their office. USPS receipt attached. XX/XX/2020 - Absolute Credit LLC did not respond to my validation request within the allotted 30 days. I sent a day 31 follow up letter to them as soon as I had not received a response. XX/XX/2020 - Absolute Credit LLC responded to me with a letter dated XX/XX/2020. Sent my sensitive and personal information ( when they did try to validate ) via regular mail. Included my identification - social security number, a photo of my license, details of my medical bill and insurance info. -In my first letter to Absolute Credit LLC , I requested that they send me the HIPAA authorization from the health care provider, giving ABSOLUTE CREDIT LLC the authority to collect this debt. They did not send a HIPAA authorization from the original healthcare provider. -They are reporting to XXXX as the " original creditor ''.
06/11/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 14612
Web
XXXX XXXX XXXXXXXX XXXX Work on my Daughter start was XXXX and I paid in full ; XX/XX/XXXX I asked for a breakdown Ledger for my daughter from XXXX XXXX XXXX after treatment and payment XX/XX/XXXX and asked from a doctor for another Ledger in XXXX! Which my daughter had early treatment she was XXXX or XXXX and after the treatment we were going to just watch her and if she needed braces again as a teenager to see if she needed bracers again I have supporting documents I kept! This should of never went to collections This should have never been sent to a collection agency and should have never been sent to XXXX! XXXX XXXX XXXX for years I asked them to please fix this! This has been paid in full! I am glad I kept everything I am sending attachments that I faxed to the Collection Agency Absolute Credit sent me a letter on XX/XX/XXXX! XXXX XXXX XXXX XXXX should have never sent this to Collections! XXXX please needs to delete collections off my report so it looks like it was never there
05/23/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 125XX
Web
On XX/XX/2017 I went to medical clinic in XXXX NY when I was in college XXXX XXXX XXXX I had XXXX and then had XXXX XXXX to the XXXX. The doctor transferred me to XXXX XXXX by ambulance I did not consent to this because I was given XXXX XXXX The cost was {$1700.00} and my insurance XXXX XXXX XXXX, would only cover the cost if proper reasons are given for ambulance use from one facility to another facility. The ambulance company XXXX XXXX XXXX will not provide proper paperwork, XXXX XXXX and XXXX XXXX XXXX will not follow up. I have insurance through my Dad who is a XXXX XXXX. We are trying to straighten this out but everybody is pointing at the other guy and the collection company is threatening me all the time nonstop. How do I straighten this out. Please Help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX.
03/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29414
Web
On XX/XX/2020 I sent a 3rd party debt validation letter to Absolute Credit, LLC requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$440.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Absolute Credit, LLC has failed to validate this alleged debt within the ( 30 ) day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
12/24/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • ME
  • 046XX
Web Older American
XX/XX/19 a debt collector called me, I said I would call them back after the holidays to set up a payment plain and he became rude and started insisting that I pay the debt in full at that time. He keep going on and on harassing me. I called back later to request a different person that I could work with to resolve my debt and a person by the name of XXXX XXXX started yelling at me and being abusive about my outstanding debt and how long it had been outstanding. He was not will to work with me and I again request a person that was not abusive. I have tried to contact the administrator there and keep getting XXXX XXXX. He caused me of things that were not true. The other very rude persons name was XXXX. Thank you
03/01/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • ME
  • 04401
Web
There is a medical collection showing on my XXXX credit report that should have been deleted MONTHS ago. This collection is from Absolute Credit in XXXX, ME and the medical practice it is from is XXXX XXXX XXXX who agreed to DELETE this collection several months ago and requested Absolute Credit to send a DELETION REQUEST to XXXX, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against XXXX AND Absolute Credit and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
11/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08081
Web
I recently applied for a mortgage and was shocked to see this collection on my credit. They claim I owe money to XXXX. XXXX XXXX XXXX. I do not have any animals. My dog was put down years ago at XXXX. XXXX XXXX XXXX, they know that and have proof of that. What happened is that my son went there with his dog. My son is XXXX and I am not sure why the appointment is listed under my name. We do not have the same name or address. When I called the agency and complained the agent said she did not believe me and did nothing.This is not my debt. I do not owe this debt, my son owes this debt.
10/22/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30122
Web
On The XXXX day of XX/XX/XXXX, Absolute Credit LLC sent out a " debt verification '' letter as I previously asked them to do. However, they sent back four sheets from a doctor 's office that included medical procedures and people 's personal information that did not belong to me. The social security number provided does not belong to me and has never been associated with me there are also no signatures on the paperwork leading me to believe this is fictitious and the dates do not coincide one day says XX/XX/XXXX, one says XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX.
05/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 816XX
Web
ABSOLUTE CREDIT LLC is trying to collect a debt from me that is inaccurate. I paid the company they are trying to extract this payment from years ago. There is no debt, this is not mine. They are XXXX XXXX. These companies should never be in business. They use a blocked number, and call relentlessly, harassing me for a debt that is not mine. They are disgusting XXXX and XXXX and should not be allowed to pursue people so aggressively.
04/18/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • XXXXX
Web
This account should be deleted because it still reads amount due is " unpaid ''. This debt was paid in full on XX/XX/2018.
02/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • XXXXX
Web
THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
06/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 041XX
Web
THIS IS NOT MY ACCOUNT POSSIBLE IDENTITY THEFT THEY HAVE REFUSED TO REMOVE THIS ACCOUNT
10/10/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11234
Web
04/05/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11747
Phone
04/02/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48312
Web
07/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11203
Web
02/14/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11239
Phone