Account Discovery Systems, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/04/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 78240
Web
On XX/XX/XXXX, I received a message from XXXX XXXX XXXX or XXXX, and the message stated : We have attempted to contact you on several occasions. Due to your lack of response, we are filing a claim against you in the County Court System. If you want to speak with us regarding this matter then please call us at XXXX. I then returned their call to see what this was about. When I called I spoke with XXXX, he said that he was attempting to collect two debts from me. The first one was from a bank, XXXX XXXX XXXX XXXX for {$150.00}, which he said was File # XXXX. The second account was for a credit card, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, for {$460.00}, which was their File # XXXX. I told XXXX that I do remember those bills, now that he brought them up, but I explained that I have had very poor health and that I only receiving Social Security XXXX. I further explained that most of my Creditors have placed me on a " Hardship repayment Program ''. I told him that I would be willing to pay them but I can only afford a very small amount for each debt. Then, I asked how they got the files or debt, he said they received the files from ADS-Account Discovery Systems. I said to him that I am confused and I am not really sure who I should be legally paying. I also told him that I will only be able to pay by money order, because that is how I pay all my bills. He had a big problem with that. He said that I must pay with a credit or debit card. I told him that I could not do that. We argued back and forth, so he then transferred me to his Floor Supervisor named XXXX XXXX, I went through all the same information with him, and I told him that I was not even sure if I should be paying them these payments, because I was not sure if they were the correct people to pay. I also told him that I could only pay by money order. But, he told me that I better not send money orders because they will not accept it. He said they only take credit or debit card payments. Finally, he transferred me to another person named XXXX XXXX at XXXX, he said that he was a Director. I spoke with him for a while and I told him all the same information, that I was not even sure if I should be paying them the money. I also told him that I can only pay by money order. Finally, I gave him my credit card, the only one I had left, which did not have much of an available balance, because they basically bullied me into giving them this info. They badgered me, and badgered me until I did. Now, I myself worked in a XXXX XXXX XXXX departmentr for over 15 years for a XXXX XXXX XXXX XXXX XXXX, so I am not a person that would easily be pushed into such a thing. But, they were relentless, and because I am in very poor health, I just finally gave in. Now, XXXX XXXX XXXX promised to send me an email detailing all the payments that I would need to pay, he promised it would show all the information that I needed. When I received the email, it was incorrect. It stated that I would make payments of {$20.00} per month plus an XXXX fee for the XXXX XXXX XXXX, XXXX account # XXXX, which I had agreed to that amount ; however, the other debt for the Credit Card account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, the email stated that I would pay the whole account in full, which I did not agree to do. I agreed to pay them in small payments of {$20.00} per month. I then immediately sent them back an email stating that I did not agree to those terms of repayment. Then, I began to call them again. I called them and I could not get XXXX XXXX, so I spoke with XXXX XXXX, and I explained that the terms of repayment were wrong on the email that I received, I explained that it stated that I would repay the amount due in full in the amount of $ XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX, for the Total XXXX cc. I told him how I am very sick and on Social Security XXXX and that I can only afford the small payments on each of the two accounts of the agreed upon amount of {$20.00}. He said that he would speak with XXXX XXXX and have him resend it out to me. On XX/XX/XXXX, I called back to check to see why I had not received the corrected email, and corrected details of the terms of repayment. I was able to speak with XXXX XXXX, who very rudely told me that they are not handling the accounts any longer. He told me that I need to call Account Discovery Systems-ADS and he gave me the number to call of XXXX. So, I then contacted ADS, and I spoke with a XXXX, he said that they did not have the accounts there with them at Account Discovery Systems, and that I needed to call XXXX. I told XXXX that I had called XXXX just moments before, and they told me to call ADS. XXXX called XXXX XXXX XXXX himself. He said that they would be calling me in a short while. Within a few moments, I received a call from XXXX XXXX, with XXXX XXXX XXXX, he said that he was a Director. After I told him all that had happened, he said that he would make sure that I was sent the email, and that it would reflect the correct information, and the correct amounts to be repaid. I did receive that email, and it looked to be correct. Within the email, there was an address to mail the payments to. So, I purchased two money orders, and sent the two money orders via postal mail to the stated place to mail the payments to which is : XXXX XXXX XXXX, C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I mailed them on XX/XX/XXXX in XXXX XXXX, XXXX, and the post office told me they would arrive to XXXX, XXXX on XX/XX/XXXX. They were both due on XX/XX/XXXX. I waited until XX/XX/XXXX and then called XXXX, I spoke with XXXX XXXX, I began to tell him that I had mailed both money orders on XX/XX/XXXX, and that the post office said that they would arrive to XXXX, XXXX on XX/XX/XXXX. XXXX told me that they did not have the accounts any longer, and that I need to call ADS at XXXX. I then began calling the other company, but all I ever get is a voice mail system. I have left messages with the other company name ADS with two people, one is named XXXX XXXX, and the other being XXXX, a Manager. I keep asking for someone to call me to tell me if they received my payments. No one from ADS calls me back, and I have been calling them for one week. As for XXXX, they would not confirm that they received my payments. So, I need someone to tell me who I should really be paying, and who received my payments that I mailed to them. It might only be {$40.00} to them, which they had said was the lowest payments that they have ever agreed to accept, but to me being that I am sick, this is alot of money. This XXXX dollars could buy my diabetic supplies, and I have chosen to send it to someone toward two old debts. I just need to know that it gets applied to the correct accounts, and that the correct people are being paid for these old debts. Someone please help me! These people are pushy, and unprofessional, and I am not really even sure that they are the legitimate recipients of my payments. And, I am not even sure that they received my payments. Where are they? Again, someone please help me!
10/10/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75234
Web
On XXXX XXXX, XXXX at around XXXX, I received a call from a private number. It was a woman asking to speak to my boyfriend. I thought it was weird that someone would contact me instead of him, so I told her he was n't with me at the moment, but if there was anything I could help her with, I 'd be glad to assist her or take a message. She stated she was from a carrier company looking to deliver a parcel to him, but that she needed him to be present to receive it Friday XXXX XXXX, XXXX with a valid ID in order to sign off on it. I told the woman that it would n't be possible because of his work schedule, but that I could ask someone else to be present in order to receive it on his behalf. The woman said that it had to be him, so I asked if we could arrange to pick it up at the post office or whatever carrier company she was working for, and she said that it was a private carrier and that there were no pick ups there. I told her I did n't know what to tell her because he absolutely could not miss work, especially on such short notice. I asked her who the parcel was from and if she knew what it was, and she said there was no sender information available and that it was just a manila envelope with his information on the front. She said she would give me a number so that he could call and have him authorize someone to accept the package. I was also given a reference number for when he called back. She hung up and I sent him a message telling him about the awkward situation. He said he was n't expecting anything and if I could try to call back to get more information because the whole situation seemed very strange. I called the number that was given to me and a man answered the phone. I explained the situation and after giving him the reference number the woman had given me, he explained that the package was from XXXX XXXX XXXX XXXX and that he worked with an attorney that was trying to collect money on their behalf, not a carrier company like I had just been told a couple of moments ago. I told him that could not be possible because all of my boyfriend 's student loans are under the care of XXXX bank. There were only 4 loans taken out and that it could n't be possible that he owed this money especially after his wages have been garnished in the past and he went through a rehabilitation program to be in good standing with his loans. The man continued to tell me that he was next to the attorney and that the debt was for {$4800.00} but that the attorney could settle for {$2300.00} if I was willing to pay it today XXXX XXXX XXXX ). Note, he never asked to speak to my boyfriend directly or inform me that " this is an attempt to collect, etc ... '' he just started asking me to make a payment then and there. He told me that if nothing was paid that he would be served in XXXX XXXX XXXX which is the county where he resides and that his assets would be seized, as well as garnishments made to his wages. I told him that I could not release any funds because I had to speak to him since he was still unaware this was going on. He said he was going to let me speak to the attorney directly, but to try to settle this as soon as possible. So, I waited a few more moments and then the supposed attorney was on the line. He gave me his name and said that he would like to settle this as soon as possible. He explained that he had collected on XXXX XXXX behalf for quite some time and that they completely trusted him so if he wanted to settle for less, that it was basically up to him and what he said goes. I explained that I found this to be very strange considering that the company had been closed in XXXX for fraud and it made it up to the supreme court XXXX district. That I was aware of the incidents that caused it to close, so I was sure something was n't right. The " attorney '' told me that basically the media blew an incident all out of proportion and that basically that was just a rumor, when I have copies of the verdict from the supreme court case. He told me that he could settle the debt for {$1300.00} and I asked if that would take care of my boyfriend 's full student debt which was not {$4800.00}, it was over {$10000.00}. He said it possibly would take care of everything. It sounded too good to be true, so I told the man that I would contact XXXX to see if they knew anything about this debt. He told me he had never heard of them but that I could do that. Just to make sure I contacted him before XXXX because that was the time he would be going home. It was now about XXXX, so I got his extension and called the bank that handles his loans. Throughout the whole process these people did n't get my name or relation to my boyfriend but they were eager to get a payment. I contacted the bank where I have already been consented to speak to them on his behalf and they told me that this made no sense because his loans are all in good standing and that I should try checking the XXXX website for a complete list of his debts. I did and sure enough that debt was not included. The XXXX representative told me it sounded like a scam and to try to disregard anything we received. That even if I or he paid this company the money they asked for, his student debt would remain as is. It was about XXXX when I called back and asked for the attorney, who was apparently on his way out. I told him I needed time to speak to my boyfriend and explain the situation to him, and he said to call back at XXXX XXXX XXXX, XXXX, which was the next morning, because he would be in meetings all day and would not be able to assist me. I did n't call because it was too early and sure enough Saturday morning XXXX XXXX, XXXX my boyfriend got a statement in the mail with the amount owed as {$1300.00}, {$30.00} lower than what the man had told me over the phone. I am truly scared and want this resolved because this debt does n't seem valid and I ca n't find any proof that it 's owed. There is no way I can contact XXXX XXXX because all the information online says they are permanently closed and the numbers that I have come across have all been disconnected. Please assist us with solving this issue. The last thing we need is to be harassed with legal repercussions if we do n't give money to someone we do n't feel we owe money to.
02/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46268
Web
On XX/XX/18, my mother and step father received a call at their home number from this company stating I listed them as a reference and they were trying to reach me. My step father answered and took the number and extension to give to me, thinking it was a job, based on how the call went. I was given the information and before I could call, they got in contact with my mother on her cell phone. First of all, the home number they called was never given to them nor do I even have the number to give out. My mother spoke with someone named XXXX XXXX and he told her she was listed as a reference and proceeded to give the names other references that they were trying to reach to her. First of all, this is not something that they are allowed to do, to my knowledge. They further stated they have been trying to reach me and my boyfriend but our numbers were shut off. They are correct in that regard, however, those numbers were just shut off about 2-3 weeks prior and I never received a call before that ( I do screen my calls and voicemails and never received one from this company ). My mother passed along the information and told me they were after a debt for something else. I called thinking it was a debt for something else so I wanted to resolve it. She mentioned they were about to garnish me and that this was a courtesy call to let me know that the garnishment would be filed on this coming Friday, XX/XX/18. AS I was super busy and had a lot going on, I called back immediately to handle this and was also multitasking during the call, this will come into play later. I have had a few debt garnishments and know the process and in my busy state, it lapsed my memory that this is not the normal procedure. I called XXXX back to see what was going on and was a little annoyed and concerned they gave so much information to someone that was not me. XXXX XXXX answered the phone and I explained I was responding to a call to my mother and he immediately knew who I was and stated " I have the last four of the SSN as XXXX. '' Again, this should have rang a bell right then but I was doing about 5 things at once and it didn't register that he never asked me any verifying information. He proceeded to state it was a courtesy contact because they were putting in a garnishment order on this coming Friday. I expressed concern that I had no idea that I owed this debt and had never received any calls or mail regarding this debt or that it was purchased from the original creditor. He gave two addresses, one a past address and one my current, and I advised that the current one was correct but I had not received anything at any address and had always put in a forwarding notice. He glossed over that and went into payment options. He never asked for an updated phone number, being as the one they had was wrong, and started talking about settlement options and payments and again the garnishment order. I was very flustered and told him that I had no idea I had a debt owed and he mentioned that they had tried to auto draft it from my bank at one point ( I never gave anyone permission to do that! ) and it was returned either for NSF or a closed account. My account has never been closed and I was never informed that a transaction was attempted as my bank does provide overdraft protection. I told him I would discuss the options with my boyfriend and get back with him on what I decided. He urged me to decide quickly as I only had until XX/XX/18 to stop possible garnishment. He told me he would have his manager send me the payment terms so I could read them. I called back later after discussing the terms and deciding to pay as garnishment would put me in a severe financial bind. I called back and spoke with XXXX XXXX. He then asked me to verify the last four of the SSN, which he gave me in the first call and I could have been anyone at that point, I gave it to him and we set up the arrangement and discussed future settlement options and he mentioned in the first call about using a tax refund and so forth because it was that time of year, that threw up a red flag as to why they are just now contacting me. I set up the arrangement and he stated I would get updated terms ( the dates were wrong on the first ) within an hour or two. I never received the updated terms and it has been about 17-18hours. I did have time to sit and process the call last night and noticed a lot of issues with this call that has made me question if I truly owe anything. I looked through my old phone and paperwork ( I am a paper hoarder of sorts with bills ) and saw no notices of the debt being purchased by this company and no notices from the original company either. I did some research this morning, as it has been a number of years since I worked collections, and found they are required to contact me within 30 days, by mail, that they purchased this debt and give me a chance to dispute it. I never received that paper nor have I ever received a single bill, notice, or phone call. I am extremely concerned that so much personal information was given to a third party and no one truly verified I was who I said I was nor addressed why I was never contacted before the week they were to send me to garnishment. I'll admit, I got panicked at garnishment and wanted to stop that possibility and gave my CC number to set up the arrangements, which I now worry was taken by a scammer after reading these other complaints. I reached out to the manager XXXX XXXX asking for the original purchase date, all attempts at contact and dates of all calls and letters sent and the addresses and phone numbers contacted. I feel as they tried to prey on the fear of garnishment in people and used that to get a fast payment. They were willing to settle for way less than even the original debt and that is very concerning, as well. I do know that the garnishment process is longer than they let on and in my distracted state I forgot that. I have never received a single payment demand/notice nor have I received a court summons for debt court for a garnishment order.
05/27/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • ME
  • 048XX
Web
This complaint is in regards to the XXXX XXXX, 2015 phone call the credit collection agency Account Discovery Systems ( ADS ), XXXX. XXXX XXXX, XXXX, XXXX XXXX by the name of XXXX ( XXXX ) XXXX made to an third party regarding my account they are collecting on. The original XXXX is XXXX, and original creditor account number being XXXX. I made an agreement with ADS XXXX XXXX to make payment of {$370.00} per month on this account. Since then, I have never been late or missed a payment. On XXXX XXXX XXXX from ADS placed a call to a third party in an attempt to get ahold of me to offer a settlement agreement. I received a text message from the person he called explaining XXXX from ( XXXX ) XXXX was looking for me. The voice mail message to the recipient identified my name. The number was viewed on caller ID by the recipient who went ahead and called the number to see who it was. The recipient was able to use caller ID to call the number ADS left on their caller ID identifying the call was from Account Discovery Systems and was an attempt to collect a debt under my name. Now that the recipient had my name, phone number and the reason for the call, they then proceeded to send me a text message informing me the debt collector Account Discovery Systems is looking for you. I called the number the recipient left for me and it identified ADS was placing the call and it was for the collection of a debt. After the text, I called the number the recipient text and asked for XXXX and inquired why he was calling a third party regarding my account. XXXX said that he called the number he had on file for my daughter and the reason for the call was because they could n't get ahold of me to offer a settlement on the account. My complaint regarding what I just described is Account Discovery Systems had no known right under the law to investigate my personal information in an attempt to contact me just to ask me for a settlement on a debt I am already paying as agreed on. Further, Account Discovery Systems has a valid address and phone number for me on file and could have made the offer to me directly. I request the Consumer Financial Bureau to investigate and provide me with any remedies available under the law regarding any potential violations of the law regarding ADS 's unnecessary call to the third party only to offer me a settlement agreement on an account that is being paid on time and as agreed, which in turn is harassing me.
03/22/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 631XX
Web
XX/XX/2018 at XXXX XXXX - I was finally able to get this Debt Collector, XXXX, on the phone. I had to XXXX this phone number to find out information on this company and it appears that the name of the company connect to this number is Account Discovery Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, https : //accountdiscoverysystems.com/contact/. They were very rude to me on the phone. I asked them to send me information on this debt in the mail along with a validation of this debt as I no longer have this Kia Sportage they referenced in their voicemail message and that XXXX XXXX XXXX XXXX XXXX XXXX had recently sent me a check for about {$40.00} in the mail recently regarding this account. They claimed that they were not representing XXXX but another third-party collection agency. This left me confused. They also refused to send me anything in writing regarding what they claimed I owe. They said that I was refusing to pay a debt I owe because I was asking for information on a debt that they claim I owe to a third party that is not even XXXX whom had recently sent me a check and for which I have the legal right to request information. They also threatened me with legal action since they said that I am refusing to pay a debt that I don't have any information about. As far as I am concerned my business with XXXX should be completed with the sending of this check in the mail to me. Their refusal to send me any information in writing regarding this debt that they claim I owe, their refusal to send me a validation of this debt are all business practices that goes against the Fair Debt Collection Practices Act. Also a quick XXXX search of this number reveals that this company has been sued multiple times and has had several complaints placed against them for unfair debt collection practices : https : XXXX, https : XXXX XXXX & XXXX & XXXX & XXXX & XXXX, https : XXXX, https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX ... XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are even XXXX XXXX dedicated to this company due to all of the complaints and lawsuits that have been files against it : https : XXXX. Please help me to resolve this issue with this horrible company and let them I do have the legal right to ask for information in writing, I do have the legal right to request validation of the debt that they claim that I owe, not to them and not to XXXX but to some other third party. Thank you.
05/09/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IN
  • 467XX
Web
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from ADS and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
08/29/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IN
  • 47274
Web
XX/XX/2018 a guy named XXXX called and left a voicemail on my phone stating he need to get ahold of me for paperwork to be sent to my employer for verification. At no time in the voice mail did he identify as a debt collector or state what the call was about. I called back on the XXXX XXXX XXXX a recording told me to hold for the next person again never said it's a debt collector. Then a guy who said his name was XXXX XXXX answer and again nothing about being a debt collector was said. At this point I didn't know who they are or what they need I asked for XXXX as he instructed in the message. The guy said he was gone for the day but he works closely with him what do i need. I told him about the message and then started that i felt like this is a debt collection and if it is that is against the law for them to not identify as such. He then got very rude and stated that he could not help me that I would need to call back tomorrow of wait for the next call from them if I wanted to know what the matter was about. He then hung up on me. I called back and informed him that if he was indeed a debt collector to seize and desist their attempts to contact me over the phone or with my employer. That still never said they where a collection agency and also never informed if the call was recorded. The company is Account Discovery Systems LLC
08/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NJ
  • 087XX
Web Older American
Back in 2008 I worked for a mortgage company and had numerous employees. What I did not realize was that XXXX of the employees had a XXXX problem. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. I have been contacted by ADS to collect a debt for XXXX XXXX and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is pregnant, my granddaughter is only XXXX. My son works for the country prosecutors office They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. Please let me know what I can do to have this stopped. XXXX XXXX XXXXXXXXXXXX
11/21/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98498
Web
Account Discovery Systems has been repeatedly calling third parties ( all of which are my boyfriends family members, and I do not even have contact information for ) in order to gain contact with me. They contacted the other individuals prior to attempting contact with me. I called back XXXX XXXX on XX/XX/17 at XXXX, pst and she explained that since she had made contact with me, she will no longer call other people. After our phone call, she emailed me a document with payment options and I emailed her back explaining that I would not be able to commit to a payment until the end of the month. Since our phone conversation and email exchange, she has continued to contact people stating that she is trying to contact me but has made NO attempt to contact me personally regarding the collection debt. I feel as though she is using this tactic to try to embarrass me into calling her to settle this debt. She is now harassing the same people by repeatedly calling them even though she has spoken with me and emailed me. After receiving word that she contacted my boyfriend again today, and she contacted his father twice this week, I emailed her requesting that she stop harassing these people and I will be filing a complaint against the company.
08/07/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75243
Web
I had previously been making payments to clear a former debt to this collection agency and recently I asked them not to submit a payment for the month of XXXX and to cancel any future payments. The representative agreed and still ran the payment through causing my bank account to go into a negative status and incur SF fees. My payroll check was just enough for my bills not including the {$65.00} so when this payment hit, it caused my other payments to bounce. Although the bank paid them, I was still charged {$68.00} in returned check fees. Someone at this company by the name of XXXX XXXX stated they would issue a refund of both the {$65.00} and the {$68.00} in fees if I faxed over my back statement which I did. The {$65.00} was refunded but not the {$68.00} for the fees. When I called on XXXX/XXXX/2015 around XXXX XXXX I was told by a gentleman that he was the only one in the office but when I asked for XXXX XXXX, this person swore he did not know who XXXX XXXX was and it was actually him I was speaking with. I just want my money put back into my account and not to be given the run around.
02/20/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
03/08/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • WI
  • 530XX
Web
Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 91764
Web
On XX/XX/2018 at or around XXXX, I received a phone call from a blocked number stating that they are from the county, and are wanting to meet up with me to have me sign a legal document, and that I am being sued by the company filing the paperwork. I was instructed to call ( XXXX ) and reference a file number. The number provided is for a collection agency called XXXX. XXXX informed me that it is a debt with a company called " Account discovery systems '' who hired them to collect a debt from the originator ( XXXX ). When I asked XXXX to validate the debt, they asked for my email to email me the validation. I denied- as I wanted to send them a formal letter asking for proof of the debt. They denied providing their address and claim that they're not allowed to provide their address. I had stated that I want proof that I owe the debt, however the person who I was speaking with, became irate, and belligerent stating that they will close my case and suggest legal action if I don't pay.
05/03/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MO
  • 65807
Web
This company, Accoun t Discovery Systems i n New York ; XXXX , called my place of employment and ask to speak with myself, XXXX XXXX , and also my employer, over the XXXX XXXX He, XXXX XXXX , asked for the name of the XXXX person, and was advised by my co-worker that it was XXXX , and XXXX XXXX was then put on hold by XXXX , as to send him to voicemail when he then hung up. XXXX XXXX called right back and spoke to another employee, XXXX , whom he told that he was calling for XXXX XXXX , and that he - XXXX - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary. Thank you, XXXX XXXX XXXX XXXX XXXX
05/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MO
  • 65807
Web Servicemember
Received a call from XXXX XXXX. The entire Message is as follows. This is an investigation into ( MY Name ) I need to speak to him of his representing attorney Have him call XXXX in the mean time I will try to leave messages with ( my mother, my wife, my ex-wife, my sister, an unknown person, an uncle I have n't seen in XXXX years ). My wife called him and he said he was looking at our financial information and could tell we had money to pay him. He said he would call our current creditors and leave derogatory information. He then proceeded to tell my wife that " They '' original creditor XXXX XXXX XXXX could, would, and will get their money. At no point did he disclose his employer. We waited to call " After hours '' and it then says who what and where the call came from. I never received any written documentation from this company so I could dispute. I believe that due to me disputing information on my actual credit report that he was able to contact me.
11/19/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TN
  • 371XX
Web
Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. They have also been contacting my family. Giving false info and sharing my debt information.
02/14/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AK
  • 99508
Web
Referencing my past case XXXX The company is named Account Discovery Systems. They had impersonated a federal attorney, threatened to " serve me papers '', and contact my family members in another state to discuss my debt. They used the phone number XXXX on XX/XX/XXXX in an attempt to collect this debt. I told them they could just go ahead and serve me papers if they were really a federal attorney. Today on XX/XX/XXXX, I went around contacting my old creditors to pay off my bad debt, I only had one bad debt left to pay, and I found out it was bought by a company who then used Account Discovery Systems debt collection service, which is how I've deduced that they are the company responsible for these illegal actions, to collect this debt. The account is paid off in full, and I have receipts. However, they need to be held accountable by a court of law for their illegal actions in trying to collect this debt. accountdiscoverysystems.com
02/23/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85635
Web Servicemember
This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.
01/19/2016 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • AZ
  • 85395
Web
On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.
08/04/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NJ
  • 07002
Web
Received a voice mail at my place of employment from ( XXXX ) XXXX on XXXX XXXX, 2015 at XXXX. Message was " This is XXXX XXXX ( Spelling? ) you were listed as a contact for XXXX XXXX. If you can give me a call back my number is ( XXXX ) XXXX. First of all XXXX XXXX is my ex-sister-in-law going back XXXX years ago. Second of all she never listed me as a contact and doesnt even know my work number. I called this number back and advised them to never call my employer again and told them I am not affiliated with XXXX XXXX. I did private message her on XXXX to advise her of this call and she was going to call them. How dare they call me about someone else 's debt. How dare they call my phone at work. They lied when they said she listed me as a contact. She never did. We have no contact outside of the private message I sent her about this call.
03/07/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 310XX
Web Servicemember
I received a call on XX/XX/2018 approximately XXXX XXXX, in regards to someone who has used me as a reference on a loan. This company has called me previously and I told them that I can give them a one time message. So today, they called and I explained that I have nothing to do with this and please do not call me again. The caller named XXXX proceeded to argue with me and tell me that because I was used as a reference they can continue to call me and they will unless I provide updated contact info on the person they're trying to reach. I then proceeded to tell them that I will have my attorney call them for them cease and desist from calling me. I explained that I have nothing to do with the debt and that I am not the one who they should be calling. He repeatedly told me that because I was put down as a reference.
11/18/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 244XX
Web
Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX
08/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 246XX
Web
The debt collectors call and ask for someone that I have no knowledge of, in any way. I have told them they are calling an invalid number, but they have continued to call. I have advised them to stop harrassing me, but they say that I did n't tell them ( the person speaking ) personally so they do n't know not to call me. They are also harrassing my husband and he has told them the same, we do not know who they are talking about and ca n't help, stop calling. It 's been going on for months and they use different phone number, with no caller ID. Sometimes they 'll leave a message asking for this stranger, and we need to have him call them regarding an important file. They will not stop calling us.
11/03/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60506
Web
A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.
03/09/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WI
  • 530XX
Web
Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.
07/20/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CT
  • 06854
Web
A message was left on my grandmother 's voicemail asking me to call today. No information was given over the voicemail about what debt it was rather the caller, XXXX XXXX, stated that a creditor wanted to receive information about my income and assets and wanted to contact me first before she calls my employer. I received a text from a relative the next day ( third party ) stating XXXX said to contact her TODAY or else she would be calling my employer. Contacting a third party regarding a debt and making threats is unethical for I don't speak to this relative but twice a year. I can send both voicemail recordings to you if you would like to listen.
06/30/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60614
Web
I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.
02/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32824
Web
Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.
09/19/2016 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80021
Web
First, the debt collector alluded to the fact he was associated with my XXXX loan providers. I turns out, he is freelance. Second, he offered a {$75.00} a month payment plan. He wanted me to see if I could get {$2500.00} to pay the whole thing off. If not, I would do the monthly payment. He wanted a little down, so we agreed on {$25.00}, which I paid, and received a receipt for. A week later, the day I was supposed to call him back, they pulled {$710.00} out of my account with out notice and without a receipt. This transaction was never discussed.
02/23/2016 Yes
  • Debt collection
  • Federal student loan
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • GA
  • 302XX
Web
I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed
06/29/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MI
  • 48858
Web
XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.
03/30/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • PA
  • 179XX
Web
Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.
05/08/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 29926
Web Older American
Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.
09/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • UT
  • 841XX
Web
On XXXX/XXXX/2017 XXXX XXXX with XXXX XXXX called over 5 relatives of mine in an attempt to contact me. He has shared personal information regarding my debt with my relatives and I 'm certain this violates fair debt collection practices. He has informed them I 'm " severely delinquent with XXXX XXXX '' and that I " need to contact him or he 's going to send me to civil court '' This matter needs to be addressed. I 'm not comfortable with my private information being shared with my family members.
05/05/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • VA
  • 23231
Web
XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.
09/30/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 352XX
Web
I keep receiving phone calls at my place of work from this company called Account XXXX. That have interrupted my job and other duties at work. I do n't know who this company is or what debt they may be trying to claim that I have with their company. They called from this number XXXX and left a contact name of a XXXX XXXX, a woman left this name on the voice-mail message, but then left this number XXXX to make a return call. This is harassment I would like something done about this. Thank you!
02/11/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 94606
Web
Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.
12/30/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WV
  • 250XX
Web
Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.
04/06/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 11205
Web
XXXX is the worst company you could ever in the world, they will steal your information and use it elsewhere. They sent me a card that can not be used, they took my money, & told me there is nothing they can do. Their customer service representative loves arguing with you and telling you wrong leaving you feeling like youre wrong & youre not a customer. I wouldnt recommend this company. Definitely apply for XXXX XXXX they have lovely representative.
11/25/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 78130
Web
Company has repeatedly called my employer, and has given my employer detailed information about this collection. I have called multiple times and told them to cease. They are also calling my parents, and again giving out information about this collection. They call 3-4 times daily. This company has also called and pretended to be the credit union the auto loan was originally financed with.
08/12/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • SC
  • 29579
Web
I was called by a collection agency ( Account Discover Systems ) regarding someone else 's debt. I instructed them not to call my number and the representative I spoke with got rude with me. I asked for her to stop calling my number with regards to the person 's debt, and she still insisted on getting smart with me.
08/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 85283
Web
A company by the name of Account Discovery Systems called me at XXXX. They called me from XXXXThey were not even looking for me they were looking for someone with a similar name. The full name of the debt collector isAccount Discovery SystemsXXXX XXXX XXXX XXXX # XXXXPhone Number XXXX
01/03/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
I man called me on XX/XX/19 at XXXX from Account Discovery and said I had an account with them and if I did not make payment he's company would garnish my wages and they would sue me. The amount that I supposedly owe is {$1000.00}.
08/28/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NH
  • 03060
Web
Company was asked twice previously to stop calling me at work. Today they called again and spoke and left messages with a sales manager, the president of the company, hr manager and a payroll person ( on her cellphone )
01/14/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32526
Web
This company will not state who they are and what kind of " account '' they hold for me. They are also contacting family members on their personal cell phones regarding getting in contact with me.
01/24/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • XXXXX
Web
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
05/21/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 85297
Web
Not my debt. Asked to remove phone number from data base. Called at XXXX AM PST on XXXX/XXXX/2015 and XXXX AM PST XXXX/XXXX/2015.
10/29/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80249
Web
06/17/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33179
Web
04/15/2021 No
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • VA
  • 23462
Web
10/17/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10801
Web
06/26/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60586
Web
10/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48616
Web
10/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48616
Web
07/30/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • SC
  • XXXXX
Web
07/27/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52001
Web
07/26/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • RI
  • 02910
Web
07/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • CA
  • 95423
Phone
06/04/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33511
Web
02/21/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
Phone
12/19/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 30204
Referral
11/17/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 302XX
Web
09/28/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60202
Web
09/14/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 48044
Web
08/30/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NH
  • 03060
Web
05/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92646
Web
04/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95212
Web
04/12/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32234
Web
03/30/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29212
Web
03/16/2017 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • WI
  • 53209
Phone
12/28/2016 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WA
  • 98072
Web
12/26/2016 Yes
  • Credit card
  • Other
  • CT
  • 06484
Web
10/20/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44413
Phone
09/21/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 78641
Web Servicemember
09/21/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • GA
  • 30273
Web
09/20/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TX
  • 78641
Web Servicemember
08/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87508
Phone Older American
07/27/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • RI
  • 02921
Phone
07/27/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • PA
  • 16602
Web
07/26/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 90603
Web
06/28/2016 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Impersonated an attorney or official
  • TX
  • 79936
Web Servicemember
06/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MO
  • 63010
Web
03/21/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • AL
  • 35180
Web
02/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08081
Referral
02/09/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32526
Web
11/05/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • KS
  • 66739
Web
08/14/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 85379
Web Servicemember
06/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 16744
Web
05/31/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 23703
Web
05/13/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Indicated committed crime not paying
  • FL
  • 34669
Web
03/18/2015 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • PA
  • 15480
Web Servicemember
02/04/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60515
Web Older American, Servicemember
02/04/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 91739
Web
01/13/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95252
Web
12/19/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 16335
Web
12/17/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MD
  • 21013
Phone
12/02/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94558
Web
12/02/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • VA
  • 20147
Web
11/25/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AL
  • 36067
Web
11/06/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95624
Phone Servicemember
11/06/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NJ
  • 08037
Web
10/14/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97014
Web Servicemember
10/07/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 95835
Web
08/27/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TX
  • 76310
Web Older American
08/15/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • ME
  • 04011
Web
07/24/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 96001
Phone
07/22/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • NC
  • 27597
Web
07/14/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92392
Referral
07/01/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 33142
Web
06/20/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45242
Phone
06/04/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NM
  • 87112
Web
05/30/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OR
  • 97202
Web
05/29/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 32927
Web
05/07/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AR
  • 72113
Web
05/07/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AR
  • 72113
Web
05/06/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14228
Web
05/06/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 15205
Phone
04/22/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 19020
Web
04/08/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36695
Web
04/02/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 94107
Web
03/21/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 33437
Web
02/20/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75068
Web
02/20/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75068
Web
02/11/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • CA
  • 90212
Web
01/29/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 28216
Web
01/23/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46038
Web
01/15/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VT
  • 05360
Web
01/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84044
Web
12/24/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene/profane/abusive language
  • NJ
  • 08876
Web
12/13/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48843
Web
12/04/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 19061
Web
12/04/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63383
Web
12/03/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94901
Web
11/22/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 95823
Web
11/08/2013 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 77406
Web
11/07/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78230
Web
11/02/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80526
Web
11/01/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80526
Phone
10/29/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22313
Web
10/22/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OK
  • 74012
Web
10/22/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 02038
Web
10/14/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32246
Web
09/24/2013 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 80013
Web Servicemember
09/11/2013 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MI
  • 48858
Web
09/10/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33178
Web
08/22/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 32244
Phone
07/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 93551
Web