| 11/16/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.
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| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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in XXXX 2015 a medical bill with XXXX XXXX XXXX XXXX XXXX Tn was reported to collection agency even though i had made applications for financial assistance because I make below poverty level income. XXXX XXXX turned the acct {$2800.00} over to a collection agency Affiliated Creditors Inc in XXXX Tn. When I received the letter from the collection agency i contacted them and was told that if I set up payments and paid them there would not be a negative report sent to credit Bureau. I have paid every payment of {$50.00} for a year and a half Before it was due and even extra Payments some months even though i did not have the extra money to meet the obligation We agreed to. These payments have been in full and on time for 18 months! I was able to get my credit report today and the first thing on it is a negative from this company or XXXX XXXX opened in XXXX 2015 showing the acct closed and payment status UNPAID and comments UNPAID and Below in payment history it shows NO PAYMENTS made! I have a copy of every check mailed and a paper with all the acct info that was mailed with it showing I have been current even paying before it was due Even though they will not bill you I still paid on time EVERY MONTH! I had a XXXX XXXX and have been sick for a long time It is so frustrating when you try to do the right things to protect your credit because that is all i have since my income is so low to live on sometimes. and people like this collection abency dont care and dont even try to do whats right. I hope some one can help me because I Have been getting bad treatment from the begining with not getting financial assist from XXXX XXXX XXXX to this collection agency ACI ruining my credit by not reporting the truth to the credit Bureau Thanks for any Help XXXX XXXX
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| 03/19/2019 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American |
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After an emergency room visit on XX/XX/XXXX, to which I was admitted, I was not told I would receive bills from each and every person I came into contact with. But, I did. It was a learning experience. However, upon receiving the hospital bill, I applied for financial assistance, since I am a XXXX XXXX XXXX XXXX with limited and infrequent income. My insurance only covered a portion of the total bill. When the emergency room physician bill came in, ( which was higher than the actual hospital bill, approximately {$1100.00} ) I contacted them to make arrangements to pay what I could. I also told them I had applied for financial assistance and they said to forward it to them if and when I was approved. It took several months before I was approved, but in XX/XX/XXXX, I received the letter for 100 % financial assistance, good for 6 months.
I stopped receiving statements shortly after I began making payments to XXXX XXXX XXXX. I didn't have an account number or address to send payments to, until I contacted my insurance company to get the information from them.
I mailed in a payment on XX/XX/XXXX and received a collection notice from Affiliated Creditors dated XX/XX/XXXX. I called the billing department of XXXX XXXX XXXX XXXX and was told they would not accept the financial assistance approval letter because I was in collections. It seems to me that these outside billing companies are determined to not accept payments and will readily hand them over to collection agencies so they don't have to honor their agreements with patients.
ACI called me on XX/XX/XXXX. I have not returned their call but will be sending them a certified C & D letter. I continue to make payments to the original creditor.
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| 01/24/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I check my credit score about 3 times a year.
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details.
**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud.
Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it.
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts.
I currently do not have any credit cards.
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| 03/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time.
XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}
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| 04/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest
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| 03/19/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Affiliated Creditors were notified in XX/XX/XXXX by the courts that the charge for {$690.00} was included in my bankruptcy chapter XXXX. I also put a dispute in thru XXXX XX/XX/XXXX and have recently found that it is on XXXX when we applying for our house mortgage when they pulled our credit from XXXX.
Affiliated recently reported it on XX/XX/XXXX when I called them in XXXX the representative told me they have the right to report this until I pay this debt off.
The other creditor that I put in a dispute for the same reason has promptly removed the derogatory remark off all the credit reports.
I appreciate your assistance in this manner.
XXXX XXXX
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| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.
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| 07/20/2018 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Unfortunately I do not have any dates, I do know they have called me more than the allotted 3 times per day. The last time I called the company to make a payment they refused the payment and threatened that my file was now being sent to an attorneys office if I did not pay the amount in full that day. I was on a payment installment plan with them when I fell ill and had to stop payments for a couple months. The refused to work with me after I was back at work, called more than the allotted times and now are placing attorney fees on me as well.
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| 03/24/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone
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| 03/24/2015 |
No |
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- Communication tactics
- Frequent or repeated calls
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Web |
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Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.
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| 02/09/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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XXXX called my cell phone at XXXX XXXX on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.
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| 02/23/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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This account with AFFILIATED with account number XXXX, has been paid as agreed, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
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| 05/03/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
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| 03/13/2019 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The collector is trying to collect more than is owed to XXXX XXXX, I owe XXXX they are trying to collect XXXX They also claim that I owe XXXX XXXX XXXX I did contact XXXX XXXX, I was told that I do not owe them any money.
The collection agency is Affiliated creditors inc
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| 06/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.
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| 05/16/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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|
Web |
Servicemember |
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I believe my information was mailed to an old address or I believe it took place when I lost my wallet for years back.
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| 02/01/2022 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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| 04/25/2020 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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| 10/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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| 03/20/2017 |
Yes |
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- Communication tactics
- Threatened to take legal action
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Web |
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| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Postal mail |
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| 07/06/2016 |
Yes |
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- Communication tactics
- Called outside of 8am-9pm
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Web |
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| 03/16/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
|
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| 01/20/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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