| 03/10/2021 |
Yes |
- Debt collection
- Credit card 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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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ALDOUS XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I previously submitted this complaint, but you ( the CFPB ) mailed me a letter saying you thought someone other than me filed this complaint. I ( XXXX XXXX ) am filing this complaint and would like assistance in getting a response from the company because the company will not discuss this attempted debt collection with me and neither will the debt collection company. Please do NOT close this complaint as a duplicate. Please feel free to contact me by my personal email ( XXXX ) or my military email ( XXXX ) before you close it again thinking it is someone else!!
I was contacted by email by a law firm, Aldous and Associates, claiming to represent XXXXXXXX XXXX XXXX in a debt collection attempting " regarding the past due balance as a result of missed payments according to your agreement with [ XXXX XXXX XXXX ] '' on Thursday, XX/XX/2022 in the amount of {$200.00}. The email stated it was a debt collection attempt, but it did not have all the required pieces for a debt validation letter as per the CFPB 's website. I was also suspicious because I have been in the process, as an XXXX XXXX military member that XXXX to XXXX XXXX, of cancelling my membership and getting a refund for several charges they made during a period they had agreed my membership was frozen and then unfroze it without my consent or communication. XXXXXXXX XXXX XXXX also was not consistently communicating with me despite multiple attempts on my part to go through the official communication channels they had directed me to. I would have to follow-up multiple times by email and phone call to the local manager to get him to respond, which he would do and apologize for the delay but would cause an additional charge to come in during the delayed response period, adding to this alleged " debt ''. I responded immediately to the email from Aldous and Associates disputing the debt and laying out the timeline below. It is very hard for me to deal with this debt collection attempt as I am an XXXX XXXX service member currently stationed in XXXX, XXXX, so I don't have easy time zones to work with or easy means of communicating with a XXXX agency. Here was my communication and timeline of the events regarding XXXXXXXX XXXX XXXX : " I have had repeated communications with XXXXXXXX XXXX XXXX ( specifically XXXX XXXX XXXX at XXXX ) regarding the freezing of my account, with little response and unsatisfactory results. I believed that this issue was still in the process of rectification, and I am surprised that it has been referred to legal channels as debt collection. The timeline of events is below : On XX/XX/XXXX at XXXX, I spoke with a sales associate at XXXX XXXX XXXX about putting a freeze on my account because I was in my XXXX XXXX of XXXX. I requested to restart my membership in XXXX, but the sales associate reassured me that they would put an indefinite freeze on my account and I could return when I felt ready. On XX/XX/2022, without my consent or any communication, the freeze was removed and XXXXXXXX XXXX XXXX started to charge me again. I received a charge of {$40.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX. I repeatedly tried to call the XXXX to understand why the charges were occurring and request a refund, but each time, the sales associate on the phone directed towards a XXXX XXXX XXXX, who I could not reach in the office. On XX/XX/XXXX, I sent XXXX XXXX an email to request an explanation of the situation and ask that they re-freeze my account. I received a response saying I do apologize for any inconvenience and misunderstanding. It does look like the account has been reinstated. I can speak to the details of the freeze because it happened prior to my arrival with the company. But it does appear that there was a freeze and it has been reactivated. In his response on XXXX XXXX, his language was misleading and unclear and I understood that the freeze had been reactivated. On XX/XX/XXXX, I acknowledged his email and requested an explanation for the {$40.00} charge on XX/XX/XXXX, when my normal billing was {$20.00}, twice a month. He did not respond. I sent another email on XX/XX/XXXX asking for a follow-up to my earlier email, and he did not respond. On XX/XX/XXXX, I emailed XXXX XXXX to inform him that the freeze had not been reinstated, because I was charged {$20.00} on XX/XX/XXXX. I then requested a refund for {$100.00}, which was the total of charges that had amounted while my account was supposed to have been frozen. I also informed him that I would dispute the charges as fraudulent with my bank/credit card issuer if we could not rectify the situation, because the charges were not what I and XXXX XXXX XXXX had agreed upon. On XX/XX/XXXX, XXXX XXXX responded saying Sorry for the misunderstanding. The membership was reinstated not freeze. This was set prior to me checking. Is there an email that you may have that shows the requested time frame for the freeze so that I may put in that refund request? I understood this to mean that there had been a mistake that he should have checked, and the freeze should have been reinstated. The fact that he was moving forward to process the refund also implied to me that there had been a mistake and the account should have been frozen. I responded later that day that I don't have an email because it was a phone call ( on XX/XX/XXXX at XXXX, if that helps ) with a XXXX XXXX XXXX associate, but it was supposed to be an indefinite freeze since I got pregnant and couldn't make it to the gym regularly. I originally proposed returning in XX/XX/2022 ( which would have been after my son 's birth ), but the associate offered an indefinite freeze until I was comfortable and anticipating I would need more time to recovery from the XXXX & XXXX ( which he was right ). I received no further communication or contact from XXXX XXXX XXXX or XXXX XXXX. At that time, I disputed the charges with my credit card issuer and awaited further contact from XXXX XXXX. To be clear, I never once used the services of XXXX 's XXXX while I believed my account to be in a frozen status, through the entirety of my communications with XXXX XXXX, up until today. In fact, I am a military service member and received short-notice Permanent Change of Station orders to move myself and my family to XXXX in XXXX, where I currently reside. Through this stressful process, I continued to communicate with XXXX XXXX, even from XXXX, in an attempt to receive a refund for the fraudulent charges and settle the situation, before canceling my membership per my SRCA benefits. As a result, I hereby dispute this debt and will be printing, signing, and mailing this dispute to you per your link to the CFPB Debt Collection page. Please let me know if you need further information to process this dispute. I reserve the right to pursue XXXX XXXX - XXXX for small claims to ensure the disputed charges are refunded and any costs resulting from this invalid debt collection attempt. I can be reached at this email and if necessary, I can work out a time to discuss this over the phone or make a joint appointment with the XXXX XXXX assistance office so we may all discuss if you would prefer. ''
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| 04/12/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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SB 21-002 Extending Limitations On Debt Collection Actions The bill extends the effective period for the notice and the suspension to XX/XX/XXXX.
24-33.5-704.3. Temporary prohibition on extraordinary collection actions - definitions - repeal. ( 2 ) In order to protect Colorado residents during the public health crisis caused by COVID-19, for the time period beginning on the effective date of this section and ending on XX/XX/XXXX, a judgment creditor shall not initiate or maintain a new extraordinary collection action except in accordance with the requirements of this section. A court of record shall deny without prejudice any request for issuance of a writ or legal process to effect an extraordinary collection action if the court finds that the action does not comply with the requirements of this section. During the time period described in this subsection ( 2 ), the use of an extraordinary collection action NOT IN ACCORDANCE WITH THIS SECTION constitutes an unfair and unconscionable means of collecting a debt under section 5-16-108.
XXXX : XXXX https : XXXX I talked with Collections XXXX : XXXX XXXX regarding my outstanding balance with XXXX XXXX via XXXX & XXXX XXXX XXXX, regarding my derogatory account in collections .
Current Balance : {$160.00} Acct Status : Derogatory Original Lender : XXXX XXXX XXXX XXXX of Acct : 5 Months However, this account was frozen during the pandemic. I was not notified about ANY CHARGES pending or needed to be made towards this account due to the pandemic. Aldous & Associates therefore continued to only care about obtaining the full balance of the account. When asking them if they could do a pay to delete option for the full amount of {$160.00}, they replied no. I began to tell them that this is a cheap move on their behalf, considering the nation is still going through the full recovery from this pandemic, and different consumers have different situations going on. And thereby, not even giving me the option for a pay to delete the derogatory note off my credit report, is actually counter productive to the idea of fitness and wellness practices and standards to begin with. Aldous & Associates claims to work closely with gyms and regain memberships while getting full payments for their clients in delinquency as well. The problem is, that I never once stepped foot into XXXX XXXX for a single training session or for a single visit. Not once. I never got any delinquency notices. And I never ever will pay for a bill thats not mine. Especially when theyre one condition is that they will not even leave me the pay to delete option for a measly {$160.00}.
I also saved this piece for the last, because this is the worst thing in everything that has happened which I have mentioned to XXXX XXXX and also XXXX XXXX XXXX, and neither one of them seems to give a XXXX at all, especially when theyre in the business of fitness and wellness : I WAS IN A CAR ACCIDENT ON XX/XX/XXXX, and was hit in the rear by a XXXX driver who was also high on XXXX run right into the rear of my vehicle, at 50 mph while I was sitting at a red light going 0mph. And she fled the scene. I have since then had XXXX issues. XXXX issues. XXXX issues. Im still seeing XXXX XXXX XXXX due to this accident. I have not seen a single check from insurance since this accident occurred. And the best part yet? COLORADO XXXX XXXX AND XXXX XXXX SHERIFFS OFFICE LET THIS DXXXX DRIVER GO without a hit n run, even though thats exactly what she did, and when officers pulled her over, she threatened to XXXX XXXXfficers and specifically stated that she was going to XXXX them. This has nothing to do with XXXX XXXX or Aldous, however, this accident impaired my ability to stay focused and to keep pushing to stay the path during a pandemic. I think I have done a pretty decent job striving through this pandemic, however, had this accident not happened, I would have been able a lot more possible, like making fitness a part of my goals in life and made it a permanent pursuit of happiness in my life as well. Also, theres nothing better for the body than eating well, working out and rest. Two I can manage. One I can not. I can not force XXXX XXXX to fix their reputation with me, after already taking advantage of me during a national crisis. And let me make this loud and clear, I am LOUD AND CLEAR WHEN I EXERT MY VOICE AND MAKE A COMPLAINT ABOUT ANYTHING, as I am on the government website that will now be addressing your company for this XXXX & $ debt that is owed. I should be in the gym repairing my body from this accident, but I bow down to nobody. Especially some XXXX XXXXorporation with a XXXX label that takes advantage of individuals during a national crisis. Because I know XXXX well, if XXXX XXXX has taken advantage of me, with their mouthpiece Aldous & Associates doing their XXXX work for them, then theyre definitely taking advantage of other people in this country as well, during a national crisis, and thats not right. Nor is it ethical. ( Id like to mention that my ex-fiance was from XXXX and a XXXX and XXXX competitor. I learned a lot about fitness from her. Another friend of mine competes at the XXXX. So way to treat your TOP 1 % CLIENTS LIKE XXXX DIRT. EVEN BEFORE I GOT STARTED ON SCULPTING MY BODY AGAIN. ) I simply want a pay to delete option. Otherwise, I want the Federal Govt to pursue charges against XXXX XXXX XXXX Aldous & Associates , PLLC for breaking the laws pertaining to protecting consumer credit under the CARES Act during a nationwide crisis. Id like to mention, that I have 100 % credit history on all three of my credit reports, as I have added to this complaint. The first chart is XXXX the second chart is XXXX and the third + forth statements are from XXXX. This single note alone, costed me my ability to obtain a new apartment lease, which Aldous & Associates should be ashamed of themselves that they put non-existing profits above the wellness of people who had to take care of their lives and trying to keep things going during a national crisis, rather than pampering these idiots who cant even leave a pay to delete option available for consumers to use during a crisis when people need it the most. This is solely the reason why Im reporting XXXX XXXX and Aldous & Associates to the Federal Govt and the BBB XXXX Better Business Bureau XXXX for unfair consumer practices, by belittling the consumer, mocking us, and having a weight on our shoulders to burden with for 7 years, while we let this derogatory note sit there and melt into us, getting rejected for serious inquiries, while XXXX and Aldous & Associates brag about how they get the privileges of obtaining full balances owed to their clients and obtaining membership statuss on the front page of Aldous & Associates. Id recommend taking that off the front page of your website Aldous. Especially if you want to continue XXXX people by not leaving a pay to delete option on the table for anyone to use or take advantage of, considering youre already raping and taking advantage of my credit report, AND I STILL HAVE NOT STEPPED FOOT INTO ANY VASA FITNESS TO THIS VERY DAY.
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| 06/21/2022 |
Yes |
- 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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XXXX XXXX XXXX XXXX and Aldous & Associates is trying to collect a debt that my husband and I do not owe. The charges are : {$110.00} and {$120.00}. The charges are in error because a notice/letter and contact was made to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX to cancelled both memberships due to : 1. Automatic renewal of our agreements without contacting us, after services were no longer available to us because of XXXX XXXX ( must be XXXX restrictions - that was implemented XX/XX/XXXX ) and we didnt receive updates/notifications from XXXX XXXX on their XXXX restrictions. On XX/XX/XXXX and XXXX, XXXX, XXXX XXXX automatically auto renewed our memberships and charged us a monthly fee without our consent. Also, no advance notices or emails of the renewal was sent to us/no opportunity to cancel/waive our membership was given. We never received anything about steps we can take as members to cancel/waive our memberships. We was not aware of any XXXX restrictions. We was got off guard when we was unable to visit the gym, unless we were XXXX, but was still being charged renewal/monthly fees without our consent/no advance notices or emails.
2. Unfair treatment, and didnt give us as ( members ) an opportunity to cancel our memberships and management never called us back ( after several calls/requests, in-person contact and email ) to cancel/waive our memberships.
I didnt notice the charges until XX/XX/XXXX, I contacted the gym several times to talk to a manager but couldnt get through to anyone about the charges. On XX/XX/XXXX, I finally got through and spoke with a young lady name XXXX ( at least this is what she told me ). I explained to XXXX about the charges and the reason why I wanted to talk to a manager. She told me she will have the manager called me back and about 10 minutes and hung up. After about 30 minutes, I called back, XXXX then started to get a little angry and she told me that the manager wasnt available and I can contact him at ( email : XXXX ). I tried to explain to her again why I am cancelling both memberships, I even explained to her my medical condition and why I can not get XXXX, I also told her that my husband had XXXX XXXX, and asked her if they had a medical waiver for members, she became rude and disrespectful and told me that I had to contact that email address if I wanted to talk to the manager/cancel my membership and hung up the phone. I couldnt even get a word in to provide her my contact information so that the manager can call me so we can have a discussion about the charges/the memberships. I wasnt getting anywhere over the phone, so I went up to XXXX XXXX. I figure I will get a chance to talk to the manager/resolved the charges. When I got there, a young lady was sitting at the desk- I told her that I just got off the phone with a young lady XXXX and Im here to talk to the manager about both memberships/charges. She said you talk to me ( XXXX XXXX ) She instantly became rude, nasty and very disrespectful towards me. She told me the manager wasnt there, so again, I explained to her- why I am cancelling both memberships and can she have the manager called me ( again- she referred me to the email address ). She then took out a Written Notice of Cancellation form and completed it for both memberships. She then told me and a nasty tone that I still will be charged XXXX fees. I might mention, I wrote a cancellation letter ( dated : XX/XX/XXXX ) and asked her can she signed itshe took the letter and scribbled a signature on it and walked away. I was amazed at how I was being treated, especially being a long term member at this facility! I was doing everything I can to handle this in a professional manner. I left the gym feeling mistreated/disrespected, all I can think about was that our Country is facing a global pandemic/health crisis - one that is killing people and upending peoples lives and this is how XXXX XXXX is treating me ( and probably other customers ) ( no professionalism, no sensitivity- just rude and disrespectful! ).
Since I never received a call back from the manager at XXXX XXXX - I contacted my credit card company and explained to them what happened and they advised me that they will put a dispute claim in, and they will contact XXXX XXXX about the charges. XXXX XXXX never responded to the credit card company nor the disputed claim, so the credit card company reversed all charges. Also- they put a stop hold against XXXX XXXX so that they can not continued to charge my account. They mentioned that XXXX XXXX should not have charged my account for services that wasnt going to be provided and they should have contacted us and provided us options before they automatic renewed our membership/charged more monthly fees.
Once my credit card company reversed the charges back to my account, I felt that I was being harassed and retaliated against by XXXX XXXX. I and my husband started receiving robo calls, collection calls and emails for payments after the written notice of cancellation took effect ( XX/XX/XXXX ). And as of today ( XX/XX/XXXX ) now my husband are receiving calls and we both received a letter from your company ( Aldous & Associates Attorneys at Law ) for collecting a debt for XXXX XXXX XXXX Fields.
Then, to add insult to injury, I contacted Aldous & Associates on XX/XX/XXXX, to dispute the debt following instructions in the letter ( call or write us by XX/XX/XXXX, to dispute all or part of the debt ) and attempted to explain what happened with XXXX XXXX to a Female representative and was told to write and abruptly hung up on. I called back multiply times and was hung up on. I sent a letter on XX/XX/XXXX to Aldous & to Associates to dispute the charges ( certified mail ).
I requested in my letter that the dispute charges and any other charges related to the disputed amount be dropped immediately, and that I receive a letter stating so, and both accounts be cancelled/closed.
I also enclosed copies of ( My handwritten Cancellation Letter, my email, and both copies of the XXXX XXXX ( Witten Notice of Cancellation all dated : XX/XX/XXXX ), supporting my position and experience with XXXX XXXX XXXX Fields.
On Tuesday, XX/XX/XXXX, I received a letter dated : XX/XX/XXXX from Aldous & Associates stating that they contacted the original creditor, XXXX XXXX XXXX XXXX - stating that we breached the agreement executed on XX/XX/XXXX. I then called Aldous & Associates right away to rectify the dispute ( again ), and explained to the representative how did we breached the agreement when they implemented a vaccination restrictions on XX/XX/XXXX, and no notifications/or email was sent to us letting us know about their restrictions, nor was we given an opportunity to cancel our membership before they automatically renewed us on XX/XX/XXXX. The representative then jumped in and told me that they are not accepting my disputed documents I mailed to them.
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| 04/12/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I talked with Collections Manager : XXXX XXXX regarding my outstanding balance with XXXX XXXX via Aldous & Associates, PLLC., regarding my derogatory account in collections.
Current Balance : {$160.00} Acct Status : Derogatory Original Lender : 05 XXXX XXXX Age of Acct : 5 Months However, this account was frozen during the pandemic. I was not notified about ANY CHARGES pending or needed to be made towards this account due to the pandemic. Aldous & Associates therefore continued to only care about obtaining the full balance of the account. When asking them if they could do a pay to delete option for the full amount of {$160.00}, they replied no. I began to tell them that this is a cheap move on their behalf, considering the nation is still going through the full recovery from this pandemic, and different consumers have different situations going on. And thereby, not even giving me the option for a pay to delete the derogatory note off my credit report, is actually counter productive to the idea of fitness and wellness practices and standards to begin with. Aldous & Associates claims to work closely with gyms and regain memberships while getting full payments for their clients in delinquency as well. The problem is, that I never once stepped foot into XXXX XXXX for a single training session or for a single visit. Not once. I never got any delinquency notices. And I never ever will pay for a bill thats not mine. Especially when theyre one condition is that they will not even leave me the pay to delete option for a measly {$160.00}.
I also saved this piece for the last, because this is the worst thing in everything that has happened which I have mentioned to XXXX XXXX and also Aldous & Associates, and neither one of them seems to give a XXXX at all, especially when theyre in the business of fitness and wellness : I WAS IN A CAR ACCIDENT ON XX/XX/2020, and was hit in the rear by a drunk driver who was also high on XXXX, run right into the rear of my vehicle, at 50 mph while I was sitting at a red light going 0mph. And she fled the scene. I have since then had XXXX issues. XXXX issues. XXXX issues. Im still seeing pain management therapy due to this accident. I have not seen a single check from insurance since this accident occurred. And the best part yet? COLORADO STATE PATROL AND XXXX XXXX SHERIFFS OFFICE LET THIS DRUNK/HIGH DRIVER GO without a hit n run, even though thats exactly what she did, and when officers pulled her over, she threatened to XXXX officers and specifically stated that she was going to shoot them. This has nothing to do with XXXX XXXX or Aldous, however, this accident impaired my ability to stay focused and to keep pushing to stay the path during a pandemic. I think I have done a pretty decent job striving through this pandemic, however, had this accident not happened, I would have been able a lot more possible, like making fitness a part of my goals in life and made it a permanent pursuit of happiness in my life as well. Also, theres nothing better for the body than eating well, working out and rest. Two I can manage. One I can not. I can not force XXXX XXXX to fix their reputation with me, after already taking advantage of me during a national crisis. And let me make this loud and clear, I am LOUD AND CLEAR WHEN I EXERT MY VOICE AND MAKE A COMPLAINT ABOUT ANYTHING, as I am on the government website that will now be addressing your company for this XXXX & $ debt that is owed. I should be in the gym repairing my body from this accident, but I bow down to nobody. Especially some cheapskate corporation with a fitness label that takes advantage of individuals during a national crisis. Because I know XXXX well, if XXXX XXXX has taken advantage of me, with their mouthpiece Aldous & Associates doing their dirty work for them, then theyre definitely taking advantage of other people in this country as well, during a national crisis, and thats not right. Nor is it ethical. ( Id like to mention that my ex-fiance was from XXXX and a XXXX and XXXX competitor. I learned a lot about fitness from her. Another friend of mine competes at the XXXX. So way to treat your TOP 1 % CLIENTS LIKE XXXX DIRT. EVEN BEFORE I GOT STARTED ON SCULPTING MY BODY AGAIN. ) Im adding this from the other portion where it says, What you would like to see happen, so that other consumers can be aware I simply want a pay to delete option. Otherwise, I want the Federal Govt to pursue charges against XXXX XXXX & Aldous & Associates , PLLC for breaking the laws pertaining to protecting consumer credit under the CARES Act during a nationwide crisis. Id like to mention, that I have 100 % credit history on all three of my credit reports, as I have added to this complaint. The first chart is XXXX, the second chart is XXXX and the third + forth statements are from XXXX. This single note alone, costed me my ability to obtain a new apartment lease, which Aldous & Associates should be ashamed of themselves that they put non-existing profits above the wellness of people who had to take care of their lives and trying to keep things going during a national crisis, rather than pampering these XXXX who cant even leave a pay to delete option available for consumers to use during a crisis when people need it the most. This is solely the reason why Im reporting XXXX XXXX and Aldous & Associates to the Federal Govt and the XXXX XXXX XXXX XXXX XXXX ) for unfair consumer practices, by belittling the consumer, mocking us, and having a weight on our shoulders to burden with for 7 years, while we let this derogatory note sit there and melt into us, getting rejected for serious inquiries, while XXXX and Aldous & Associates brag about how they get the privileges of obtaining full balances owed to their clients and obtaining membership statuss on the front page of Aldous & Associates. Id recommend taking that off the front page of your website Aldous. Especially if you want to continue XXXX people by not leaving a pay to delete option on the table for anyone to use or take advantage of, considering youre already XXXX and taking advantage of my credit report, AND I STILL HAVE NOT STEPPED FOOT INTO ANY XXXX XXXX TO THIS VERY DAY.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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In XXXX of XXXX, I made the grave mistake of applying for an apartment at XXXX XXXX. They are student apartments near the XXXX XXXX XXXX, managed by the XXXX XXXX.
At that time I was working in Charlotte, but shortly after applying for the apartment, my job was to be relocated to another city and state. All I completed with XXXX XXXX at that point was an application, or so I thought, since that was what it was entitled when I filled it out. I was told in order to keep my spot, I would need to first be deemed financially qualified - either by myself or with a guarantor, and pay a deposit.
As soon as found out that my job was not going to be in NC anymore, I called and emailed both XXXX XXXX and XXXX XXXX to let them know that I would not be able to complete the process. Mind you, they do not allow move-ins before XXXX ( which is a normal procedure for most student apartments ). So they had from XX/XX/XXXX until XXXX of XXXX to simply rent the apartment to someone else. However, they illegally informed me that me signing my APPLICATION ( which is what they are claiming as a rental agreement ) was the same as signing a LEASE with them.
So after no resolution with XXXX nor XXXX XXXX, I ultimately resigned from my job, and began applying to other jobs local to Charlotte, believe what they told me that I was now responsible for the apartment. I was able to find a new job and emailed the leasing office my first 3 paystubs. However , XXXX XXXX called me to inform me that I was not even able to self-qualify after running a credit report and reviewing my check stubs.
I thought that would have been the end of this issue since I did not have the credit score nor the income to qualify for the apartment. But nooo XXXX XXXX XXXX continued to send me harassing emails and call me saying that I needed to get a guarantor to sign the lease and I was still financially responsible even if I lose the apartment. ( How the heck does that even work?? ) I even explained to them that everyone, including my own mother refused become a guarantor on an apartment for me ( I was XXXX years old at the time and a non-traditional online student returning to finish my degree ). Then XXXX XXXX said I would need to get a sub-leaser to take over the apartment, but again, how can someone sublease an apartment they didnt lease in the first place?
After speaking with a lawyer, I was told that what they did to me was completely illegal, the application and lease are separate entities and until an apartment complex has qualified me financially and run a background check, then there would be no reason for them to present me with a lease until that has been completed and approved. Also, I can not be financially responsible for an apartment that I never rented, nor lived in. I dont think in the history of landlord-tenant law, has there ever been a case where an applicant who had not been approved for an apartment, was later held financially responsible for the apartment rather than it just being rented out to someone who actually qualified for it.
I dont often check my credit report, but I received an email in XX/XX/XXXX and went on the XXXX website to see why my score had decreased recently. To my absolute shock, it was a collections notice that had been sold to a law office acting as a collection agency on behalf XXXX XXXX XXXX, in the amount of {$8000.00} for 12 months of past due rent from XX/XX/XXXX to XX/XX/XXXX- for an apartment that I literally NEVER received keys for nor stepped foot in!
I immediately called the phone number listed for the collection agency and informed the representative that the entirety XXXX XXXX XXXX XXXX claims were fraudulent. I even asked the representative what address XXXX XXXX XXXX claiming that I owe rent for? She read off the address of my ex-boyfriends fathers house ( XXXX XXXX XXXX XXXX, NC XXXX ). A house he OWNS, not XXXX of their student apartments, but an actual two-story house with a mortgage, that is miles away XXXX XXXX XXXX and has absolutely no relation to that company!!
XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX was the actual apartment XXXX XXXX XXXX assigned me after attempting to financially qualify but later was denied. So I found out that they decided to remove that address from their collection claim and used my home address ( seen in the screenshot below ). After I disputed the fraudulent charges with the credit bureau, they are now using my ex-boyfriends fathers home address to continue the collections process against me.
For them to first use my home address to start the collections process and then use my exs dads address rather than the actual address of the apartment they claim I owe money for, tells me XXXX XXXX XXXX did exactly what I asked for in the beginning- they found some other person to rent that apartment! I know this because it is illegal for a landlord to charge a person rent for the same lease for a single property after it has been taken over by another person. And If you know anything about student apartments, they get filled up quickly! XXXX XXXX even sent me marketing emails saying that they were full for the fall move-in for XX/XX/XXXX ( which means the apartment they claim I owe them money for had been rented out! ) Then after explaining everything that happened to the collections representative, I was simply told that all I can do is submit a dispute to them in writing. So I will be doing that and I have already disputed this unfounded claim of debt to XXXX and the FTC.
You have to remember that during this time period, many landlords and leasing companies were struggling financially because of lost rents from the XXXX XXXX Moratoriums across the country due to the impact of XXXX and the rise in unemployment. So in my honest opinion, this was just a way for them to either scam unsuspecting vulnerable people like myself out of our hard-earned money, or most likely to scam PPP and XXXX loan XXXX from the government by claiming losses that were completely fabricated on their end.
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| 12/07/2021 |
Yes |
- Debt collection
- Other debt
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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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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ALDOUS AND ASSOCIATES & {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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My son is a XXXX XXXX. I co-signed for an apartment near his school. The lease was for one year ( XX/XX/XXXX to XX/XX/XXXX ). All rents were paid on time and in full. My son moved out of the apartment on XX/XX/XXXX.
Several weeks later, on XX/XX/XXXX, I received a collection letter asking for payment of {$230.00} ( see letter below ).
XXXX XXXX XXXX - of XXXX XXXX XXXX Aldous ALDOUS -- & ASSOCIATES -- Attorneys at law Office Hours : Mon - Thu XXXX to XXXX ( MST ) Fri XXXX to XXXX ( MST ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX XXXX XXXX If you continue to ignore your financial obligations, the creditor may choose to report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit score.
At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. You can also pay online by clicking the 'Pay Now ' button at www.aldouslegal.com.
This law firm has been retained by XXXX XXXX XXXX to collect the total amount as a-result or your defaulted contract with the Company. We are trying to collect a debt that you owe to XXXX XXXX XXXX We will use any information you give us to help collect the debt. Aldous & Associates is a debt collector. Our information shows : You had an agreement with XXXX XXXX XXXX and the How can you dispute the debt?
Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct.
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.
What else can you do?
Go to www.cfpb.gov/debt-cotlection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you.
Contact us About your payment options.
I replied to the letter and mailed it to the law firm on XX/XX/XXXX. I called the law firm, and they verified reception of the letter on XXXX. According to their letter, once an amount is disputed, all emails and collection processes cease. On XX/XX/XXXX, I received a third notice of collection email from Aldous & Associates law firm ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called the number located on the letter and talk to the supervisor XXXX XXXX. I inquired as to why I had received a third notice e-mail requesting payment while the process was still being contested. He informed me that the e-mail was automatically sent and was a mistakeMr. XXXX exact words they shouldn't have sent it to me and he would take care of it ( FYI- our conversation was recorded by them if verification is needed ).
Further, I also informed XXXX XXXX that I hadn't received any other notifications, so how could this be my third notice. He informed me that they mailed two notices to the XXXX apartment address that my son had moved out of on XX/XX/XXXX. I informed him I was only a cosigner and had never lived there. Plus, why would you mail letters to an apartment that was unoccupied by the defendant. XXXX XXXX once again apologize for the mix up. He told me he would take care of it and to wait for a reply about the decision.
On XX/XX/XXXX, I received a notice from my credit monitoring service about a negative reflection on my credit. Thinking fraud, I logged in and found out that Aldous & Associates had put a negative report for {$230.00} on my credit report. I promptly called XXXX XXXX XXXX at the collection law firm of Aldous & Associates, and he told me a decision letter had been mailed out on XX/XX/XXXX from Utah. I informed him that I had not received any letter. He informed me that it's automatic and there is nothing he could do, but I should pay the money to show that it was settled. I informed him that this was not acceptable, as they had not given me proper time to make a decision about payment because I had not received any notification before they reported it to a credit agency.
My concern and compliant is that this organization does not follow their own rules or the law which is due process in a timely manner including the no ongoing harassment communications during the dispute process. Also, there was no proper notification of a decision before taking an adverse action. Usually when a decision is made, you have time ( pay by 10 days, etc. ) to settle the amount before an adverse action is taken. My son informed me the apartment complex has a history of bullying students into paying. If they had emailed me the final decision, I could have chosen a course of action. They had no problem emailing me collection notices. Why mail something to me now thats going to take days to reach me in Florida. The letter finally arrived on XX/XX/XXXX ( six days after adverse reporting on my credit ). Absolutely, no chance to make a decision or pay before adverse reporting was done. Thus, I hired an attorney who made an inquiry to Aldous & AssociateXXXX about this situation, and he has been unable to get any reply or communication reciprocate to him. Thus, I filed a complaint with the Utah Bar Association against XXXX XXXX XXXX and XXXX XXXXXXXX XXXX at Aldous & Associates, and they referenced me to you.
My Attorney : XXXX XXXX XXXX.
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Fax : XXXX PS. I have all emails of continued collection communication during the dispute process as proof. Thanks.
XXXX XXXX XXXX XXXX XXXX
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| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Early in XXXX, XXXX, I received a letter from Aldous & Associates dated XX/XX/XXXX informing me that my XXXX XXXX gym membership was not canceled and that I still owe the company money. On XX/XX/XXXX, I called Aldous & Associates to enquire about the alleged unpaid debt. I spoke to Mr. XXXX XXXX, and he informed me that I owed {$110.00} for the months that were considered active membership of XXXX, XXXX, XXXX, and XXXX of XXXX. I then offered to pay the debt as long as the derogatory marks were removed from my credit report. Mr. XXXX XXXX refused to entertain this offer.
I signed up for XXXX XXXX because the facility was very conveniently located near my house and because the gym opened earlier than my neighborhood fitness center. This meant that I could work out super early before my daughter woke up, so I could still be free to spend the morning with her. At the time of signing up, I was told that I can cancel the membership at any time with no punitive fees.
My experience was great! The facility was perfect and met my needs. My personal training was awesome! After a few months, my work situation changed, which disrupted my workout routine. I cancelled my personal training sessions with my personal trainer and gave her a 30-day notice. I asked whether I needed to do anything else ( speak to the front desk staff, talk to the manager, etc. ), but she said she would take care of it and that I didnt need to do a thing more.
A month later, I tried to cancel my membership. The staff at the front desk told me I needed to contact the XXXX corporate office. That was rather frustrating, but I didnt want to give the girl a hard time : she was only doing her job. I promptly contacted XXXX corporate office. After being on hold for 45 minutes, I was able to talk to an associate. I explained that I wanted to cancel my membership, and he said that it was not a problem but that I needed to give them a 30-day notice before I could cancel my personal training. I told him that I already did, that my personal trainer was informed, and that I didnt need to do anything else. It is at this point when the associate told me that the notice of cancellation needed to be given in writing. I explained that it was not communicated to me and that the personal trainer and the staff at the gym have not asked me for any written cancelation notice. The associate told me that there is nothing he can do about that and that if I read the contract I would have known that. I told him that I went over the contract with the manager before I signed it and there was no mention of a written notice required to cancel. If that requirement was communicated to me, I would have had no problem complying. After putting me on hold for another 30 minutes, he said that there is nothing he can do but that he will cancel my membership.
A few months later, early in XXXX of XXXX, I received a letter from Aldous & Associates informing me that I am liable to pay some fees to XXXX and that if I dont settle my account, they will report me to the credit bureau. I immediately called Aldous & Associates ( on XX/XX/XXXX ) and once again explained all the steps I have already taken to cancel the membership and that as far as I know the account has been settled. The associate was disrespectful and interruptive on the call, and told me I still owed XXXX money, at which point I told him that I have done all that was humanly possible to resolve the matter and that I absolutely refuse to be penalized for trying to do the right thing. The associate then proceeded to threaten me, so I told him I will take this matter up with XXXX XXXX and hung up.
After that unpleasant conversation, I went back to the XXXX facility to talk to the manager and complain about the situation. He promptly apologized and said that he was not aware of this and that he will take care of the situation.
Yesterday, on XX/XX/XXXX, having received no further communication either from XXXX XXXX or Aldous & Associates, I got a message from XXXX XXXX letting me know that there are derogatory marks on my credit. I nearly forgot about the problem, since I have not received any more communication. I was under the impression the manager at XXXX has taken care of it, as he said he would. Having searched for Aldous & Associates on XXXX, I realized that it was the same agency that I talked to about my alleged unpaid account at XXXX. Since I have not received any further communication as to my need to dispute the validity of the debt and, and therefore, had no chance to rectify the matter, I feel I was treated unfairly.
Needless to say, I am extremely unhappy. I pride myself on paying all of my debts, and I work hard to keep my credit score high. It is clear to me that both XXXX XXXX and Aldous & Associates are violating business practices and have been acting maliciously to defraud the consumer. It seems illogical to me that XXXX XXXX would act with hostility towards its valued customers, who might eventually renew the membership. Instead of making a loyal customer feel appreciated and welcome to come back, they have legally robbed me of peace of mind and unfairly marred my credit score.
I refuse to be victimized by unethical business practices of a company with an army of lawyers. Thankfully, the FTCs Bureau of Consumer Protection was created in order to stop unfair, deceptive, and fraudulent business practices. Please, include my name in any class action lawsuits against Aldous & Associates and XXXX XXXX.
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| 10/09/2023 |
Yes |
- 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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I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
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| 06/09/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.
Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Exhibit [ A ] it is evident that XXXX XXXX XXXX, pursuant to 15 U.S. Code 1692e ( 8 ), has communicated false credit information about me, the consumer, to XXXX. This communication includes information that they either knew or should have known to be false. This misconduct has had a detrimental impact on my reputation, making it difficult for me to obtain credit extensions. Consequently, I am experiencing emotional distress as a direct result of their actions. Under 15 U.S. Code 1692k ( a ) ( 1 ), XXXX XXXX XXXX is held liable for the actual damages caused by their false reporting, specifically the harm inflicted on my reputation and the resulting effects on my ability to access credit. Furthermore, they are subject to fines of up to {$1000.00} for their unfair and misleading conduct. In addition, pursuant to 15 U.S. Code 1692e ( 10 ) Aldous and Associates use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer., pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to Aldous and Associates actions, I assert that they have violated 15 U.S. Code 1692d ( 1 ) by using criminal means of identity theft to harm my reputation. As a consequence of this misconduct, I hold them liable for actual damages and emotional distress under 15 U.S. Code 1692k ( a ) ( 1 ). They are also subject to fines of up to {$1000.00}. While Aldous and Associates claims to be a " Furnisher '' of information and asserts their obligation to furnish accurate information, it is important to note that pursuant to 12 CFR 1022.41 ( c ) ( 2 ), they can not be considered a " Furnisher '' because they are acting as a " consumer reporting agency '' as defined by 15 U.S. Code 1681a of the Fair Credit Reporting Act ( FCRA ) .My identifying information, which includes my name, social security number, government identification number, date of birth, and account number ( a unique electronic identification number used to identify me as the consumer ), falls within the definition of identifying information outlined in 12 CFR 1022.3 ( g ) ( 1 ). When combined with information about my transactions and experiences, this constitutes a consumer report under 15 U.S. Code 1681a ( d ) ( 1 ) ( A ). It is crucial to recognize that Aldous and Associates, is a consumer reporting agency because this information pertains to my creditworthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of assessing my eligibility for credit. Additionally, it directly impacts my credit score as specified in 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ).
In addition Aldous and Associates engage in any conduct to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt, as shown in exhibit ( ) pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from XXXX XXXX XXXX 's I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts send account back to profit deer park notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308.
XXXX XXXX
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| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX I spoke to a XXXX XXXX who stated he was a supervisor at Alodus and associates legal for debt collection. I owed CF fitness gym a balance of XXXX and was actually in the middle of a payment agreement with the gym directly when I found out that they sold the account to this debt collection firm. Once I found out where the debt was sent to I called Alodus and Associates. From the very start Ive never had a pleasant conversation with anyone that I spoke to get this company theyre always extremely rude and threatening me in addition to using terrible business practices to the point that I had to do me to speak to a supervisor which is OK when I spoke to XXXX XXXX who assured me that if I made an arrangement to settle/pay the debt it would not be reported to The credit bureaus. He even stated if I needed to change one of the future dates I could if something were to come up but as long as I pay them I would be fine. So initially I paid {$190.00} On XX/XX/XXXX and was set to pay {$190.00} on XX/XX/XXXX. I wasnt able to pay on XX/XX/XXXX because I had got sick with Covid and I missed over three weeks of work. So I called them to change the date which I was allowed to for XX/XX/XXXX. On that day I was trying to call them several times and I never got an answer to make my payment and I also received a weird email the day before saying that I was paid in full when I was supposed to pay them the the day after. Once I realized my paycheck was not going to be enough because I wasnt getting paid for my missed sick time I wanted to change the date for XXXX. The rep told me she could push the date out was XX/XX/XXXX. I ended up having the money early on the XXXX and tried numerous times to make a payment using a new card. I called them several again no answer after waiting long wait times just to be hung up on. I would be on hold anywhere from 15 to 50 minutes long and then someone would answer and just hang up the phone. On XX/XX/XXXX I received an email telling me that my payment was declined again how are you sending me an email telling me this when I cant get in contact with you to make a payment. I finally I spoke to someone days later and set up a payment for XX/XX/XXXX. I checked my credit report on XX/XX/XXXX and noticed that Alodus was put on my XXXX credit report. So I called them as soon as they opened this morning on XX/XX/XXXX I called six times on the Fifth attempt I was finally able to speak to someone she was extremely rude like always and when I confronted her being hung on 4times prior before reaching her and about this debt being placed on my credit despite me being promised that it would not be on my credit she kept speaking over me and said well anyways are you calling to make a payment or not. I told her youre not going to rush me through my car I need answers because you guys are liars do you have terrible business practices, its almost like when you know a payment is due and you do everything in your power to not be available so you can try to do some type of adverse action in affect the consumers credit which is not fair and its not proper business tactics. So I advised her I have the money to pay you guys thats not a problem but I will not pay you until I get written confirmation that my credit will not be affected and seeing though you guys have places dead on my credit I want verbal and written confirmation that you are going to remove this from my credit. She said she will not do that I ask for a supervisor she placed me on hold and then hung up the phone on me. I called back for the six time after waiting about eight minutes I got hung up on. So I decided to call another number that I have in one of the emails that was sent to me waited on the phone for over 15 minutes the phone got disconnected. I am tired of fighting with them on trying to make good on a debt that I owe and Im taking responsibility for but I will not except him lying to me and placing the debt on my credit. They have never reached out to me ever since they received the debt from the gym its always been me reaching out to them so any emails or anything that they have seen that theyve called me they never have why should I keep calling down to the point that its almost like I am harassing them to make good on my deed. I took screenshots to show how many times Ive called them today and how many times Ive been hung up on want them to be penalized and I want this situation rectified. They promised me this collection would not be placed on my credit. I want this debt to be removed from my credit ASAP.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2022, I signed a 12-month personal training class with my personal trainer XXXX in XXXX XXXX. The personal trainer and I had a verbal agreement that if I sign up for a 12-month class, I would be able to cancel at any time after having paid 3 months of class. Additionally, he stated that if I sign up for the 12-month class, he would waive my cancellation fee. The personal trainer did not give me a copy of my contract on the first day of signing up. I prepaid 2 months of class on the first day of signing up.
On XX/XX/2022, I told my trainer XXXX that I wanted to cancel the class in person ( Verbally ), and he agreed to cancel the class for me. On XX/XX/2022, I texted the trainer to follow up on said cancellation. The personal trainer did not respond to my message, but he verbally recognized the cancellation message and agreed to cancel it for me.
On XX/XX/2022, I noticed that I was charged for {$420.00} for the XXXX month class. I came to the personal trainer in person and asked why I was charged. He said it was a system issue and would give me a refund since I canceled the class. However, he did not give me my refund after that. So, I disputed the {$420.00} with my Credit Card XXXX XXXX, and XXXX returned the {$420.00} back to me.
On XX/XX/2022, the class ended based on the verbal agreement ( 12 month-contract canceled after 3 months class paid ) between me and my trainer XXXX. But during the 3 months, the personal trainer did not fulfil his obligation for the full classes I prepaid due to his suffering of a personal injury. I prepaid 3 months of classes, totaling {$1200.00} and I have receipts for that.
On XX/XX/2022, I received a letter from a debt collection firm called Aldous & Associates, P.L.L.C. saying that they are collecting the debt of {$3800.00} on behalf of XXXX XXXXXXXX. I sent Aldous & Associates a dispute letter of {$3800.00} because it is not my debt and I don't even know how the number is calculated. I told them I already canceled the training with my trainer and I don't owe the contract anymore, and I gave them the message screenshots of the cancellation between me and my trainer, and all of the receipts I had paid.
On XX/XX/2022, Aldous & Associates sent me my contract with XXXX XXXX and still collecting the debt on behalf of XXXX XXXX. They threaten me that if I don't pay the debt, it will affect my credit report.
It is not reasonable for the trainer to continue to charge my account without his fulfillment of training services, and we already agreed to cancel the class on XX/XX/2022. It is a fraud that the trainer misleading customer to sign a contract and verbally agreed to cancel without any action and the trainer never responds customer 's attempt to contact and XXXX XXXXXXXX uses a debt collection firm to threatening customer to pay the money with affecting credit report.
I reached out to the personal trainer many times to confirm my cancellation through written messages and in person conversation. The personal trainer acknowledged my message but never replied back. Each time when I ask for cancellation in person, the personal trainer said he saw my message and he will cancel it for me and he told me he can handle it but he never takes any action. I tried my best to cancel the class but he never picked up my calls or replied to my message or gave me a cancellation form to fill. Everything he promised is verbally in person. He did not leave any written evidence. It is a fraud to deceive a XXXX customer who just got out of XXXX without any experience and misled me to sign the contract without giving me a copy of the contract. Everything about the cancellation is verbally and not stated in the contract. The trainer pretended to agree but ignored my request to cancel the class. The trainer misleads me to believe I had already cancelled the class. But XXXX XXXXXXXX asked Aldous & Associates, a debt collection firm to collect the money on behalf of them. The Aldous & Associates threaten me to pay the debt, otherwise they will affect my credit report. I tried my best to dispute and sent them the evidence, but they are still collecting on behalf of XXXX XXXX. The personal trainer and XXXX XXXX deliberately did not cancel the class for me. I am seeking help to complain about this fraud.
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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After having five paid personal training sessions canceled by XXXX XXXX with no remedy to address my paid sessions that were cancelled at my expense I cancelled my membership with XXXX. It was a month to month membership as stated in the contract. I attempted to get a refund for the five personal trainer sessions that XXXX XXXX cancelled, they ignored all requests. They continued yo call and harass me for payment when no services were being provided by them and the month to month membership was cancelled. At some point they sent it to Aldous and associates. Aldous falsely reported to the credit bureaus that I owed {$3000.00}. After filing a complaint here, I is clear the neither CFPB or Aldous even looked into this AT ALL! Aldous sent me a copy of the contract which I will attach here. In the contract I found the following : XXXX. The listed price for a one person membership is either {$9.00} or {$21.00} and XXXX was charging me {$37.00} plus tax for a total of {$40.00}.
XXXX. It states that " my failure to not regularly attend does not relive me of my obligation " yet it was XXXX that cancelled five personal trainer appointments then fired my personal trainer. I was never reimbursed for the cancelled appointments.
XXXX. It talks about collection fees " by not limited to.. '' I don't know what " by not limited to '' means.
XXXX. " For value received I/we promise to pay ''. No value was received, half my personal trainer appointments were cancelled and I had no reason to believe that would not continue. They made no resolution to cancelled appointments and no person in their right mind would continue to pay for services not received.
XXXX. The contract is for a one month membership. 1 MONTH. There is no where in the contract that states otherwise. It's not a 12 month contract, not a 2 year contract... it is month to month.
XXXX. After the initial one month membership it changes to a month to month to month basis.
XXXX. They ask for a written one month cancelation notice. After five cancelled appointments I contacted XXXX in person, and by phone with my intent to cancel due to non performance on their part. I contacted paramount acceptance by email and text message. I also requested both parties refund the money I paid for personal trainer sessions that were cancelled by XXXX. Neither party, XXXX or XXXX would give me a response to this issue.
XXXX. In the letter written to me by Aldous they asked me to provide additional so they may correct the matter. All information as stated above is in the contract that Aldous also sent me but clearly did not read.
XXXX. The letter states they may report my XXXX fitness account to credit bureaus. Which they did, without cause as a month to month contract would be assumed cancelled after the first month of non payment with or without written notification. Let alone the fact that XXXX was indeed notified, and XXXX in fact caused the situation to become null and void due to their failure to provide the services I was paying for. I was not paying a membership fee to attend the gym on my own, I was paying the fee because it was required to see a personal trainer at their facility. They failed to provide the personal trainer and still took my money for him.
XXXX. In their own letter Aldous admits that they have no knowledge of any circumstances and yet they still falsely report to the credit bureaus an outrageous amount af money that in all of this no party has ever showed justification or how they possibly come to the amountvof {$3000.00}. Adous states in this letter " At this time n attorney with this firm has personally reviewed the particular circumstances of your account. '' That statement is clearly true.
XXXX. Finally, I would like to understand how a contract stating I signed up for a membership that should cost either {$9.00} or {$21.00} results in a charge of $ XXXX/month. Furthermore, how $ XXXX/month, on a month to moth basis can result in a collection amount of {$3000.00}? That equates to 75 months at {$40.00} per month. The contract states what it states and clearly all claims made by Aldous and XXXX are false.
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXXXXXX I contacted Aldous & Associates to provide formal notification of my intent to dispute an alleged " defaulted contract '' with XXXX XXXX. I also requested a copy of the alleged defaulted contract and a list of charges resulting in the demand for {$100.00}. On XX/XX/XXXXXXXX, I received a copy of the alleged contract, but I was not provided with any details on what charges are included in the {$100.00} assessment.
I again contacted Aldous and Associates on XXXX, by phone, to discuss my dispute along with concerns that I have with the contract that allegedly resulted in this claim of default. I first spoke with XXXX XXXX, self-identified as a debt collector. He only seemed interested in collecting payment from me and was not at all familiar with the details I had previously provided in my dispute. I asked XXXX if I could speak with one an actual attorneys at Aldous and Associates and he responded that I would first need to speak with a supervisor. I was then transferred to XXXX XXXX, who told me that my dispute had been denied, and that I still owed {$100.00}. However, XXXX was unable to provide me with any details on how the {$100.00} was calculated or on what basis my dispute had been denied.
On XX/XX/XXXX I sent a letter to Aldous & Associates with the following explanation of why I am disputing the allegation that I breached a contract with XXXX : Any contract I may have had with XXXX XXXX was initiated under a corporate sponsorship and was therefore terminated when I left the sponsoring company. Furthermore, under Utah Code 13-23-3, I am disputing the legitimacy of the supposed " contract '' with XXXX XXXX you provided to me. It is evident to me that this contract is a forgery, perhaps by a XXXX employee, so that my minor son could purchase a gym membership. The following evidence supports this assumption : 1. When my son inquired about getting a XXXX membership, he was told that since he was only XXXX XXXX XXXX, he would need to join as an add-on member on his parents membership. I was the only member of our household with a XXXX membership ; therefore, he would have been required to join as an add-on to my company sponsored membership.
2. The listed Buyer Name on the contract is ( me ) ; however, my signature is not found on the contract.
3. Utah Code 13-23-3-2 states The health spa shall provide the consumer with a fully completed copy of the contract required by Subsection ( 1 ) - ( i ) at the time of the contracts execution. The executed contract was only provided to the e-mail address of a minor child ( my XXXX XXXX XXXX XXXX ). As the alleged buyer, I was not provided with a copy of the executed contract.
4. The contract states that the membership was for ( my son ), a XXXXXXXX XXXX XXXX, but the contract lacks a valid parental signature.
5. The Promissory Note section of the contract contains four instances of my initials ; however, I was not the signor of the contract.
6. Although the contract was allegedly completed by ( me ) Buyer, a different individual 's credit card was used for payment.
7. I do not recognize the signature on the contract and as illustrated, when compared to my actual signature, the signature on the contract looks nothing like mine.
I requested that Aldous & Associates either dismiss this demand for payment or provide me with details explaining the basis for denial. I also request a list of charges included in the {$100.00} claim.
In response to my request ( this was my third ignored request for additional information ) I received what appeared to be a form letter stating that my " dispute is not valid '' and a threat that they " may report information about my XXXX XXXX account to credit bureaus ''. The only response they provided to my request was " we contacted the original creditor, and they verified the validity of the debt you disputed earlier ''. This doesn't address any of the issues I raised in my dispute nor was I provided with any details on how the {$100.00} claim was calculated.
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Before I begin my complaint, please let me give a disclaimer that I this is my first collection, and I have never received anything like this. I am a first generation XXXX and do not have much financial literacy. Please excuse some terms if used incorrectly. In the end, I also submitted a TL ; DR ( Too Long Didn't Read. ) On XX/XX/XXXX, Aldous & Associates sent a letter, labeled " XXXX XXXXXXXX XXXX XXXXXXXX, '' for debt collection to my XXXX home address. I was in XXXX at this time, so my parents took a photo and scanned the letter to me. I responded via my father with a letter labeled " XXXX XXXX XXXXXXXX '' on XX/XX/XXXX and asked them information provided on the following link : http : //www.cfpb.gov/debt-collection, which is what Aldous & Associates provided me. My first disputed letter was sampled from https : //www.consumerfinance.gov/ask-cfpb/what-should-i-do-when-a-debt-collector-contacts-me-en-1695/. Also, attached is a sample letter from this website file labeled : XXXX.
They responded with " XXXXXXXX XXXX XXXX XXXX '' on XX/XX/XXXX, although I didn't receive it until XX/XX/XXXX. They provided me with information about the agreement with the original creditor, XXXX XXXX, but failed to provide all the requested detail, such as itemized details of the debt and their authority to collect this debt in my state. The second letter labeled " XXXX XXXX XXXX '' is what I had my father send to them. The date is incorrect on the document, and that is my fault on that. It was actually created on XX/XX/XXXX They responded with " XXXXXXXX XXXX XXXX XXXX '' on XX/XX/XXXX, although I didn't receive it until XX/XX/XXXX They said that my dispute information was not valid, and all pertinent documentation was already provided. Of course, that was not the case. The third letter, I told my dad to send is copied from our email on XX/XX/XXXX : " Dear Aldous & Associates, Per my last letter, you have not provided all the valid information for the debt collection. The letter that was sent to you was in the format from http : //www.cfob.gov/debt-collection As previously mentioned, I will not pay any amount other than the previous settlement offer. You may keep sending letters but this will be my final letter until you provide all the following information as stated in my previous letter.
Thank you, XXXX XXXX XXXX. This letter is not an intent to default. '' I wrote the website incorrectly, and again, I apologize for this error.
They have been calling me non-stop even in hours that they were not supposed to lawfully. If requested, I can contact my phone service provider as well to find the exact times.
I haven't received a letter since the third one, and on XX/XX/XXXX, they updated my collection status to XXXX. I didn't know this, but they reported my collection since XX/XX/XXXX, which is before they even sent the first letter.
TL ; DR : On XX/XX/XXXX, Aldous & Associates sent a debt collection letter to my Georgia address, but I was in XXXX at the time. My parents scanned and forwarded the letter to me.
On XX/XX/XXXX, I responded with a disputed letter, asking for more information and referring to resources from the Consumer Financial Protection Bureau ( CFPB ).
They responded on XX/XX/XXXX ( I received it on XX/XX/XXXX ), providing some information about the debt but not everything I requested. I sent a second disputed letter on XX/XX/XXXX, correcting the date.
Their third response on XX/XX/XXXX ( I received it on XX/XX/XXXX ) claimed my dispute was invalid, but I disagreed and sent another letter on the same day, stating I won't pay until they provide the requested information.
Despite my response, they continued calling me outside lawful hours. I can verify call times with my phone service provider.
I haven't received any letters from them since the third one, but on XX/XX/XXXX, they updated the debt collection status to XXXX, although the report has been opened before they tried to collect from me.
Thank you for reading, XXXX
|
| 01/05/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I have visited XXXX XXXX located at XXXX XXXX XXXX, XXXX. I expressed interest in joining the facility. The attendant at the front desk employee took my information and gave me small membership card to join. I selected the $ XXXXmonth fee package to use the facility. I was informed that this is a month to month membership and I can cancel anytime. The front desk also offered me a free training session on that day. After the free training session, the trainer offered me to purchase more training session. With the suggestion of the trainer, I agreed to purchase 4 sessions for {$130.00} on the same day XX/XX/XXXX. On the following month on XX/XX/XXXX, I saw another charge of {$130.00} in my credit card for another 4 more training sessions. In total, I have paid for 8 training sessions. While 1 paid training session remaining unused, I informed the assistant manager of the facility on XX/XX/XXXX that I will not be using the facility anymore. Even after informing the facility, their system kept billing me and kept adding training sessions that I did not ask for and never used. Surprisingly, I received numerous calls from a collection agency on the week of XX/XX/XXXX. When I spoke with the agency on XX/XX/XXXX, the agency told me I owe money XXXX XXXX. After learning about this, I contacted XXXX XXXX on XX/XX/XXXX and spoke with the club Manager XXXX XXXX. While speaking with XXXX he informed me of a contract which I was uninformed of. After several requests, on XX/XX/XXXX, XXXX provided me a copy of that said contract which doesnt have my signature. Since XX/XX/XXXX, I have also requested copy of my usage and billing history which I did not receive.
XXXX XXXX did not provide me with a copy of that said contract before XX/XX/XXXX.
Without providing me a valid contract, the company kept adding charges for services that I had never asked for and I had never used.
Without contacting me directly, XXXX XXXX, shared my information with a third party collection agency.
The collection agency threatened to report me to credit bureaus and damage my perfect credit history.
XXXX XXXX owes me a refund for the 1 session that I couldnt use due to scheduling conflict with the trainer.
XXXX XXXX and its 3rd party collection agency is demanding payment for something I had never asked for and I had never used.
The facts : 1 ) I had not received these contract from XXXX XXXX directly from the time time I had started using the facility and to the period I had stopped using the facility.
2 ) the signatures on the papers are not my signatures.
3 ) these charges were recurring training fees charges which I had never asked for and never used?
4 ) Neither XXXX XXXX not the collection agency provided me usage history even after multiple requests. Even before I had notified the front desk that I will no longer use the facility, I was charged for sessions for which sessions were not provided due to schedule conflict with the trainer. XXXX actually owes me money for those sessions that was not provided.
4 ) If I want take this matter to the court, which court will have jurisdictions over this matter? I think the state AGs Office regulates the fitness clubs. But in case of I demand a trial, which court should I go to? Would you represent me in this case?
No one reviewed the terms and no such phone call. Also they didnt give me copy of a contract. After I received call from collection agency, I called the facility and I told them that I was not aware of any agreement. Then the club manager XXXX told me that XXXX XXXX sent me copy of contract at my email at XXXX. But my email is XXXX. So XXXX thought they gave me contract even though they were sending it to the wrong address.
XXXX Calls me and emails me saying that XXXX will turn over this account to collection agency. How can XXXX do it when In fact XXXX already turned this over to collection agency before? I became aware of this balance from the collection agency.
|
| 09/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Collection agency : Aldous ( no contact info provided ) Action : Attempted to force me to pay an unverified debt in full by providing payment information over the phone by threatening to report derogatory info to credit agencies if I did not comply, when I requested more verification of debt they reported the delinquent account to XXXX one day later and never sent verification paperwork. This caused my score to drop significantly.
On XX/XX/2021, I received a call from an unknown number. I usually don't answer these calls but I was expecting a call regarding a job application I had submitted. When I answered the person identified themselves as a debt collector and stated their intent to collect a debt and that the call would be recorded. I confirmed my name but was careful with providing any further information as I had recently been receiving frequent spam/robocalls after my personal information was exposed on the dark web.
The conversation escalated quickly with the debt collector demanding I make a payment on a {$140.00} debt by providing my debit card information and full payment over the phone. I told her that I would pay the debt but I wanted to confirm that this was a real debt collection company and real debt first and asked if she could please send me something via email or regular mail to verify the collection agency and the debt and also provide a secure method of payment rather than over the phone. I reiterated that I believed her but I wanted to be really careful as I had previously been a victim of identity theft due to a data leak.
She said that they had mailed letters to my address already, did not need to provide any further information, and that if I did not pay via phone immediately they held the right to report the account as delinquent on my credit report. I then ask that they please allow me time to research and review the information just to make sure that I wasn't handing over my credit/debit card information to a random person trying to gain access to my bank account. I asked if she understood my concern and she said that they had sent this information already to my address. I asked for the address she had on file and it was an address I lived at 3-4 years ago only temporarily. I explained this to her and provided my current address and again asked for simple verification that they were a legitimate agency and not a scammer. She said they would send the information I requested but they may report this to credit reporting agencies before I received the documents.
At this point, I didn't know what to do. I didn't want this to ruin my credit as I was about to apply for a new apartment but I also didn't feel comfortable handing over my credit/debit card info to this person with such little information. I felt like {$140.00} was not a lot of money and I should just pay it to protect my credit score, however, I was worried if I gave them access to my credit card info they may hack into other aspects of my identity if they were posing a collections agency and steal more protected info and/or money. I decided to stay safe and told her I hoped they wouldn't do that without first allowing me to confirm that everything was valid. She, again, reminded me that they had the right to do that.
The next day I logged in to check my score and noticed it had dropped nearly XXXX points due to a new derogatory account that was 5 months delinquent? this was s only reported to XXXX. I worry that if I call them again or make further contact they will report to other agencies as well. Are their behaviors legal?
Lastly, I searched my email for correspondence with the original creditor to see if I'd ever signed up for something and forgot about it and I did find two emails attached below. The first confirms that I signed up for a membership and the second confirms I canceled this membership with no remaining balance.
|
| 07/03/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/18 The company contacted me via phone regarding a debt, I advised the debt collection company to send documentation to verify the debt owed and further stated that no money would be sent until documentation was received.
On XX/XX/18 The company contacted me again via phone and I advised that no documentation had been received from there company. The company then agreed to send an email which I received on XX/XX/18 verifying the debt had been placed with their office for collections.
OnXX/XX/18 I contacted the XXXX XXXX membership company to investigate and attempt to resolve the debt directly with this company but was advised that it had been placed for collections and had to be resolved with the debt collection company.
On XX/XX/18 I contacted the debt collection agency to resolve the debt and made payment arrangements to avoid further collection activities. I arranged three payments of XXXX arranged for the following dates XX/XX/18, XX/XX/18, and final payment XX/XX/18. The supervisor sent a written arrangement regarding the agreed payments to fully resolved the debt with their office and FURTHER AVOID COLLECTIONS to my email onXX/XX/17. ( please see attached documentation. ) On XX/XX/18 : XXXX ( EST ) I received an alert from my XXXX credit report that the above referenced account had been reported derogatorily on my credit. I was immediately alarmed because I had never missed any of the agreed payments and was only eleven days away from making my final scheduled payment on XX/XX/18 from the initial agreement with the debt collection agency. ( Please see attached bank statements for XXXX and XXXX ).
OnXX/XX/18 : XXXX and XXXX ( EST ) ( Spoke with two different supervisors ) I immediately contacted the debt collection agency as soon as they opened since they were in UTAH in different time zone with a two hour difference. I then requested to speak with a supervisor, I had stated that this agreement had been reported on my credit report inaccurately because I kept the full agreement between myself and the debt collection company and had never defaulted on any of the agreed payments and actually had one final payment to make with them scheduled for XX/XX/18 which is eleven days away. As I demanded to know, why this had been reported, the supervisor then states that they are able to report the account to credit reporting agency after four months of being in there office. I then ask for a written policy that states this information. The supervisor then states that I have to send a written request to the XXXX XXXX address to request policies in writing. I then ask how could they report this to the credit reporting agency when this was an agreement that we made to stop collections activities and I had never defaulted on any of the agreed upon payments. ( Please see attached documents from my bank statements for XXXX and XXXX ). The supervisor stated that they could report this information even outside the agreement made with them. I advised the supervisor that they were violating my rights.XX/XX/18: XXXX ( EST ) I then contacted an investigator at the consumer protection of Utah to advise that this debt collection agency had violated my rights as a consumer and had failed to keep a verbal and written agreement and consequently had reported inaccurate information to the credit reported agency. I was advised to contact the FTC and file a complaint regarding the collection tactics and improper reporting.XX/XX/18: XXXX ( EST ) I contacted the FTC to submit a complaint and inquire about the collection methods of this debt collection company. I was advised that this company could not report this information on my credit report when I had an agreement between the two of us which had not been violated. I was advised that I could file an electronic complaint and submit documentation.
sssssss
|
| 08/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Response to complaint # XXXX I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or Page 32 | 43 ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( XXXX ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Opened up an account with XXXX XXXX in XXXX, PA. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) I was stated that I had a 3 month membership mandatory, and after that I would have to re-sign up to continue using facility. After the 3 months passed by on the XXXX I was charged another payment to XXXX, as soon as I got the bill I went to XXXX XXXX to cancel my membership the original person that opened my account his name was XXXX told me I couldn't cancel my membership there, so they told me to send a cancellation letter to XXXX XXXX location. Next day I send the letter through regular means, I drop it off at the mailbox next to my apartment complex, and I contact XXXX at XXXX XXXX the front-staff picks ups and I ask if there is anything else I need to do, they told me they will put status on my account for closure and I'm all good to go.
XXXX time they kept continuing to charge me without my knowledge, the only communication that they sent me went straight to SPAM email section.
After that point I started receiving about XXXX calls a day from unknown numbers, all from different states and area codes. The only voicemail that was left to me was ( Associates please contact XXXX XXXX ) that was it, I didn't get any notice about debt being due and all the emails that I got all went to spam once again.
The only way I found out about any of this is through my application for a House Mortgage I needed to get my credit report, and I saw that I was sent to a debt collection agency " ALDOUS AND ASSOCIATES '' and it said that I had unpaid balance of XXXX XXXX
I contacted Aldous customer service and let them know about my issue, they told me that they don't let anyone know about debt being collected because they couldn't verify if it was me until I answered the call? They also told me they sent me debt mail to my mailing address ... when I asked to repeat the address to me they told me it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX and I told them I haven't received a single letter from them.
They started telling me that the post box office wouldn't make that mistake and the post man would take my mail straight to my address even if there was a mistake.
I told them I had no issues paying this debt if someone would just let me know, I didn't have any financial struggles but my only concern was that nothing was communicated to me...
When I asked them about emails, they told me that my emails got back to them as a confirmation for spam so they couldn't get a hold of me through those means either.
I asked them if they had any options about me paying for the debt which I did not assume, since I didn't use the gym facilities at all, I didn't know I was a member at all, and asked them if I can pay-for-delete or good will delete from my credit report. They told me they can't do anything about it and I have to pay.
I've never been more upset about a process like this in my life.
I've had perfect credit history for the past 15 years, I paid of 2 cars, I pay off my balances every month, I keep my credit utilization low, and I keep a check to make sure my credit score doesn't get dinged because I understand the importance of good credit standing.
So now since I've been trying to apply for a mortgage loan, this payment is showing up in my credit history.
As soon as I found out about this, I did not hesitate to pay, I paid it on the same day and they are telling me they can't do nothing about it.
This is extremely disgusting way of dealing with customers, both XXXX XXXXXXXX and Aldous Associates ruining and adding issues for no reason.
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
On XXXX I was notified via email from a XXXX of Aldous & Associates P.L.L.C. XXXX, Utah XXXX XXXX XXXX, XXXX that he is to collect a {$1400.00} balance for a defaulted lease agreement from me. I provided information showing that we did not default on our lease agreement in an email that I received from the apartments on XXXX from the property manager, XXXX, XXXX, Or XXXX XXXX, XXXX. Then on XXXX I received another email from a XXXX of Aldous & Associates P.L.L.C. trying to collect this money. Again I provided information that we had not defaulted on our lease agreement. Then on XXXX I spoke to XXXX from Aldous & Associates and he stated that I now owed an amount just under {$2000.00}. When I asked him to please provide the details of the debt he refused and stated that I clearly did not want to pay this debt and he would have me arrested and jailed for the debt. It appears that the apartment complex was billing us for additional move out costs and I was under the impression that this was taken care of due to the circumstances. We fulfilled our lease agreement in XXXX XXXX and it was confirmed by the apartment manager on XXXX XXXX XXXX this to be the case. We had actually moved out early and arranged for a final walk through, however the apartment office staff neglected to show up. After waiting for hours, my witness and I drove to the office to find it closed. I had to put my keys in the drop box with a letter and my forwarding address, confirmed in an email by the apartment manager on XXXX. I was not able to return due to leaving town and being on a time schedule. We left the apartment locked. What happened after dropping the keys in the box and to the apartment we vacated is not known to myself, my witness or my roommate. Later I get an email from a XXXX XXXX on XXXX that we owed {$260.00}. We went back and forth in emails, I understood that they would bill my renters insurance and that this would be taken care of but I did not agree with the charges as I left the apartment in good condition other than normal wear and tear. I did bring to the attention of XXXX on XXXX that if he was talking about this {$260.00} that I thought was taken care of since I have never received anything more in the mail regarding this, that I wanted to know how it went from {$260.00} to just under {$2000.00}, a 750 % increase. When I asked him to verify this and provide documentation, he then told me that the attorney will be handling this case and I will receive a call from the attorney. To this date I have not received a call, nor have I received any documentation to substantiate the 750 % increase, or proof that I violated a lease agreement when I have a email from the apartment manager stating that my lease agreement was completed. XXXX and XXXX both from Aldous & Associates have refused to provide me with the information I have requested and have violated my rights and the FDCPA. This shows up on our credit reports as of XXXX as a debt just under {$2000.00}. My attempts to have it removed, validated, documentation for the 750 % as of XXXX have not been successful. Additionally, being threatened to be arrested, jailed and the attorney will be handling my case and calling me were all violations of the FDCPA. I am unclear as to what the debt is for because I can not get it verified. I do not know if it is that {$260.00} or if they are trying to collect on a defaulted lease agreement which would be fraudulent and not the case, again verified by the apartment manager on XXXX that we met the terms of our lease agreement.
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My complaint is a debit that on my credit report that shouldn't be there. The type of problem I am having is I have emailed the company years back about canceling my membership and it's still there. The company was paramount at first and they sent my debit over to aldous associate. So, my complaint is for aldous associate.
I signed up at XXXX XXXX in XXXX XXXX, LA. The location was on XXXX uptown in my neighborhood. I signed up on XX/XX/2018. Everything was fine until XXXX. I was told that 2 months into being there they will be closing. That information threw me for a loop. I didn't understand why would they have people signing up for memberships if you were closing this particular location. I'm sure the staff and management knew because one of the staff members told me. I wanted to know when were they going to tell us this like the day of closing! I was so upset. I felt deceived, tricked, and used into signing up for a membership while they knowingly knew they were closing. That's just wrong! On XX/XX/2018, I wrote an email to XXXX about the situation that I am writing to you now. They responded with a automated email saying that Unfortunately, You are still in contract with nine payments remaining and in order to cancel out the contract if you have moved at least 35 miles from the club, We can accept proof of relocation with a {$100.00} cancellation fee.
Acceptable items for proof of move include those listed below : Currently issued ( after the date of the contract ) State ID or Driver License Affidavit from an attorney Military orders Mortgage note, NOT a lease agreement Utility or phone bill ( not a cell phone ) showing the service address School schedule Gym membership from a new location Currently issued paycheck stub NOW " the gym membership from a new location '' is a new location for me! That was the whole purpose of me getting a membership at XXXX LOCATION because it was so convenient for me to just walk there and workout because I didn't have a car. They basically just told me " they have one in XXXX ''. They didn't even care. They were dismissive and nonchalant. From my house to XXXX location is XXXX miles. With car, which I didn't have and still don't have takes 12 mins to get to and from and probably longer depending on the time of day I went because traffic and accidents always play a part. The bus takes 47 mins to get there depending if the line is early, on time or late also traffic and accidents. Walking takes a 1hr 47mins. That's my workout within itself and 1hr 47 mins walking back home. A XXXX is $ XXXX {$20.00} a day depending on what day and the time of day because it fluctuates. That would be $ XXXX {$40.00} I'm spending daily going to and from the gym. Which is ridiculous right?! I felt like I was conned into signing up just to get pushed to another location. That was an inconvenience to me and I'm sure everyone else and they didnt care. They were all about the money in the end and still are when I told them my situation. i called them today and I was deny a deletion letter to get this removed from my credit. I found out this has been on my credit for 2 years and 3 months and I owe XXXX. I thought this was a medical bill from XXXX from my XXXX, but come to find out it was the company I'm filing a complaint on. I don't have {$250.00} especially during COVID and taking care of myself, and my XXXX mother. I'm just trying to get this situated to help better my credit.
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I hired an attorney to help me terminate my lease at an apartment complex in XXXX, and was offered a settlement where I could pay XXXX rent installments in exchange for termination of the lease. There was a health issue with my attorney, but I was informed that the matter had already been resolved. I then received multiple notices from the apartment complex between XXXX and XXXX stating that I owed money, but called each time and was told that my account was closed and that the emails I was receiving were automated. Then in XXXX of XXXX, I was contacted by a debt collector with Aldous and Associates stating that I owe {$16000.00} dollars to XXXX XXXX ( the apartment complex ). Upon finding out that my account had not actually been closed and the lease issue had never been resolved, I reached out to a different attorney that represents students at my university. I was advised to send a written request for verification of the debt/dispute via certified mail, which I did within 30 days of my initial contact with Aldous and Associates XXXX The attorney then reached out to the general counsel for XXXX XXXX, and they agreed to honor the original settlement of XXXX rent installments in exchange for termination of the lease and cancellation of the debt. I was contacted again by Aldous and Associates on XX/XX/XXXX, claiming that if I did not pay the debt that it would be reported on my credit and they would not be able to help me repair my XXXX XXXX. However, I checked my credit report and was surprised to discover that the account had already been reported to the credit bureaus prior to this call. I contacted Aldous and Associates again informing them that they had never responded to my dispute/request for verification that was sent via certified mail, and they told me they never received a letter so I must not have sent one, and they ended the call. I then called back and was told by a different representative that they actually did receive my letter, and that they allegedly responded by sending proof of the debt to the return address on the certified mail that I sent. However, the " return address '' that they mentioned was not the correct return address. I then informed them that this was not my return address that was listed on the certified mail, to which the representative responded that she never stated anything was sent to a return address. I again informed them that I never received this mail and requested that they send me proof of this mail being sent, and they said the only way I could request this is by mail. Accordingly, I have reason to believe that Aldous and Associates did not actually respond to the dispute/request for verification that was delivered to them through certified mail, and the information they provided me regarding their alleged response to my request is false. Based on the documentation and interactions I have had with representatives of Aldous and Associates, I believe that they were aware of the disputed debt and request for verification and did not respond to my request. I believe they were aware that the matter was being settled with XXXX XXXX already, yet they continue to try and collect false debt. Aldous and Associates have continued debt collection efforts, reported an erroneous account to the credit bureaus despite being sent a dispute/verification request, and threatened to damage my credit after already having reported the account to the credit bureaus.
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| 05/04/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I have been a XXXX with the practice for over 12 yrs. XXXX XXXX, the previous XXXX retired, XXXX XXXX took his place. I did not got to the XXXX during covid. My husband began XXXX right before covid hit. Due to his repeated XXXX and doctor 's appts, I missed several XXXX appts. I would call and be already late or I would oversleep. This happened while XXXX XXXX was at the practice as well, I had to reschedule a lot! My husband has had XXXX XXXX placed in his XXXX since XXXX ... so his issues took precedence over my XXXX XXXX for a while!
In XX/XX/XXXX, I was informed that they would no longer see me as a patient. I forget the reason they gave, but I was already starting to feel as if they did not want me there. The atmosphere within the practice had changed! I had begun to look for a new XXXX They made me schedule appointments for minor adjustments that took less than 5 minutes. XXXX XXXX never did that!
I broke a tooth on my XXXX XXXX during XXXX. I called them and asked if I could come in on an emergency basis as I had to wear my new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I wasn't wearing them full time because they were causing me discomfort ) We were out of town for the XXXX when it broke... I had no choice but to wear it. It was very painful and I called as soon as we returned and was told I had to make an appointment for a couple of days later ... may have been the next day. The point is, they refused to see it as an emergency! When it came time for my appointment, my wait was longer than the time it took him to adjust my denture! Simply unacceptable! I definitely felt tension in the room. XXXX didn't even speak when he came in. He always did before. Something was up.
As I was leaving, I was informed they would no longer see me, I asked if I owed them anything. I NEVER carried a balance with this practice during my 12+ yrs there! I always paid my balance after insurance payments came in. I was told there was one claim waiting to be paid and they would notify me once that was paid. I didn't hear anything until I received the attached bill. The amount due after the insurance payment was {$10.00}. However, they had also included {$90.00} for three missed appointments in XXXX, XXXX and XXXX! I had NEVER been informed of these charges! I NEVER received a bill with these charges as I always paid all balances up front! I was livid and called them immediately! I asked how I was expected to pay these charges if I was NEVER informed of them? If I owed a missed appt fee in XXXX, why did it take them until XXXX to inform me of it? It seemed retaliatory to me. I told them I would not be paying that but would pay the {$10.00} balance left after my insurance paid. That is what I did.
On XX/XX/XXXX, I received a statement from a law firm, Aldous & Associates, a debt collector. I have attached the letter here. I called them and relayed this information to them to which the agent said he could not take my word for it. I invited him to check the records at XXXX XXXX XXXX. I have not heard anything further. I do not want this on my credit report. It is retaliatory. I can not pay a bill I am unaware I owe. I always paid bills as notified with this practice the entire 12+ years I was a patient.
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| 05/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I did not give my express written consent to ALDUOUS & ASSOCIATES to contact me for the alleged debt which is in violation of my rights as a consumer.
Please refer to 15 U.S. Code 1692c - Communication in connection with debt collection.
( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
I did not give my express written consent to ALDUOUS & ASSOCIATES to contact me for the alleged debt which is in violation of my rights as a consumer.
Please refer to 15 U.S. Code 1692c - Communication in connection with debt collection.
( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
I did not give my express written consent to ALDUOUS & ASSOCIATES to contact me for the alleged debt which is in violation of my rights as a consumer.
Please refer to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
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| 04/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Impersonated an attorney or official
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Web |
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I signed a one-year contract for gym membership in XXXX XXXX. At the time of signing, the XXXX XXXX account manager informed me that I could call prior to XXXX XXXX to avoid auto-renewal for general membership. I signed a one-year contract for training in XXXX XXXX but was never informed that the auto-renewal clause also applied to my training contract, which was signed separately.
In XXXX XXXX, I moved outside of the contractual XXXX mile range. I called the gym in XXXX to cancel early, according to the out-of-range clause. I was told that I needed to send a notarized copy of new lease, via certified mail, to prove that I had moved. In the same XXXX phone call, I communicated to the XXXX XXXX Gym Manager that I wanted to cancel my contract at the end of the agreed 12 month term. I was told that a note would be added to my account and that my account would not auto-renew in XXXX.
I noticed at the end of XXXX that I was still being charged. So, I called XXXX XXXX XXXX Gym to request refunds of the unauthorized charges in XXXX XXXX - XXXX XXXX. They claim not to have record of my conversations with associates in XXXX XXXX and I was told that no refund would be given since I had not formally canceled.
In XXXX XXXX, I was directed to XXXX XXXX for " formal cancellation ''. XXXX XXXX informed me that they are NOT able to cancel my contract because the training portion needs to be cancelled in person. XXXX weeks later, my work schedule permitting, I made the XXXX+ miles drive to the gym location to sign the training cancellation form in person. I then was able to call XXXX XXXX and finish cancelling my gym membership contract.
In XXXX XXXX, I disputed the charges via XXXX Bank. Within XXXX weeks of my claim with XXXX, the charges were investigated and permanently refunded to my account.
At the end of XX/XX/XXXX/Begin XXXX XXXX, I began receiving calls for overdue account balances from XXXX separate entities. The XXXX entity identified themselves as lawyers collecting debt on behalf of XXXX XXXX. Aldous Lawyers are not, however, credited lawyers in Texas ( location of original debt ). They also sent an " attorney letter '' that fails to match the amount due that was quoted over the phone. The associate at Aldous & Associates XXXX threatened to " send my information to credit reporting agencies at any minute ''. He later admitted to me that they " work for '' XXXX 's Gym and are not actual debt collectors or credit agencies.
XXXX XXXX claims to represent XXXX Gym 's personal training contracts although I have never seen or heard mention of their business name in any contracts I signed with XXXX Gym. They inform me that as of end-XX/XX/XXXX my account remains open ( despite having my cancellation paperwork on file now XXXX. This firm will not acknowledge my dispute of the charges via phone or email but refuses to send to me via mail a formal invoice of the alleged charges.
I have been putting good faith effort into avoiding auto-renewal of my contract since XXXX XXXX. XXXX my contract term ended, I made good faith effort to promptly cancel my contract to avoid the unfair extension of the pre-determined contract term.
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| 07/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Aldous and Associates are using false, deceptive, or misleading representation or means in connection with the contract with Dynamic fitness. They are knowingly misrepresenting the debt they are collecting and the contract. Upon request by XXXX XXXX for validation of debt, the original contract, and XXXX XXXX XXXX XXXX XXXX # XXXX was sent to his mailing address. The contract clearly states a term of 12 months and 24 payments of {$5.00} that begins XX/XX/XXXX and expires XX/XX/XXXX. The contract is also clear that if there are any changes made in terms of this contract an email notifying of such changes will be sent to the email address provided on the agreement or notice will be sent to the mailing address provided on Club agreement.
Varies changes were made to this contract with no proof of any notice being sent to XXXX XXXX. In addition, there is no explanation of how the {$150.00} was incurred. This material misrepresentation has been brought to the attention of Aldous and Associates, through certified mail requesting they correct this error and inaccuracy, and at this point they are knowingly misrepresenting the contract causing harm and damage to XXXX XXXX.
Changes made to contract without notifying XXXX XXXX breaching contract and making contract VOID : 1. Your Membership Begins XX/XX/XXXX, and Your Membership Expires XX/XX/XXXX ( Membership Privledges, Notices, Disclosures & Agreements # 1 and # 2 ) 2. Renewal rate for Membership {$0.00}, Dynamic fitness charged XXXX XXXX a renewal rate of {$54.00} on XX/XX/XXXX, without notice or a new agreement ( Membership Privledges, Notices, Disclosures & Agreements # 12 ) 3. If any changes are made to terms of this consent, an email notifying you of changes will be sent to the email address provided by You on the face of Your Club Agreement or, if an email is not provided, notice will be sent to the mailing address provided on your club agreement.
XXXX. First and last month dues were paid up front on XX/XX/XXXX when XXXX XXXX signed up for the membership. Dynamic fitness charged him again the last months dues on XX/XX/XXXX. ( Member : XXXX XXXX XXXX Membership Privledges, Notices, Disclosures & Agreements # XXXX ) XXXX XXXX has requested proof and explanation of the {$150.00}, and that has not been provided. Aldous and Associates have not reinvestigated the matter. XXXX XXXX does not owe this debt, and this is fraudulent. Aldous and Associates have an obligation to not use deceptive practices and to remove inaccurate information from the credit file. Reporting this inaccurate information is a violation of the FCRA. XXXX XXXX was in the process of purchasing a home when Aldous and Associates fraudulently reported inaccurate information on XXXX XXXX credit file without proper investigation This has caused XXXX XXXX damages which he will be seeking compensatory damages and rescission.
Notice of Breach of Contract Voiding Contract and Contesting Debt validation was mailed to Aldous and Association on XX/XX/XXXX. That letter is attached. Also, attached is the contract and Invoice to show the breaches of contract as listed.
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| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law XXXX XXXX. XXXX : XXXX XXXX XXXX Fair Debt Collection Practices Act : XXXX : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
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| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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Aldous and Associates is in violation of 15 U.S.C. 1692 et seq., the Fair Debt Collection Practices Act ( hereinafter FDCPA ), which prohibits debt collectors from engaging in abusive, deceptive and unfair practices. ALDOUS & ASSOCIATES, P.L.L.C. is law firm located in Utah with an office at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Upon information and belief, ALDOUS uses the mail, telephone, and facsimile and regularly engages in business the principal purpose of which is to attempt to collect debts alleged to be due another.
No debt validation was sent and signed by an attorney. The XX/XX/XXXX letter was not signed by an attorney with ALDOUS. ALDOUS & ASSOCIATES, P.L.L.C. is not licensed to practice law in Texas. No attorney employed by ALDOUS is licensed to practice law in Texas as of XX/XX/XXXX. They have not responded to the contesting of the debt validation and no attorney employed by ALDOUS is licensed to practice law in Texas within the period beginning on the day one year prior to the date this the debt validation letter was sent.
The FDCPA prohibits a debt collector from falsely representing or implying that any individual is an attorney or that any communication is from an attorney if, in fact, no attorney was meaningfully involved in collecting the debt. See Martsolf v. JBC Legal Group, P.C., 2008 U.S. Dist. LEXIS 6876, 2008 WL 275719 ( M.D. Pa. Jan. 30, 2008 ) ; Lesher v. Law Offices of Mitchell N. Kay , PC, 650 F.3d 993 ( 3rd Cir. 2011 ) ; and 15 U.S.C. 1692e ( 3 ). Aldous and Associates debt validation sent to XXXX XXXX does not comply with the FDCPA.
Aldous and Associates violate the FDCPA, by inter alia : ( a ) Using false, deceptive or misleading representations or means in connection with the collection of a debt ; ( b ) Threatening to take any action that can not legally be taken or that is not intended to be taken ; ( c ) Using unfair or unconscionable means to collect or attempt to collect any debt; and ( d ) Making a false representation or implication that an attorney is meaningfully involved.
Aldous and Associates violated 15 U.S.C. 1692e of the FDCPA by using any false, deceptive or misleading representation or means in connection with his attempts to collect debts from Plaintiff and others similarly situated. Section 1692e ( 3 ) of the FDCPA prohibits a debt collector from falsely representing or implying that any communication is from an attorney. Defendant violated 15 U.S.C. 1692e ( 3 ) of the FDCPA by falsely representing meaningful attorney involvement in his collection letters to XXXX XXXX. Congress enacted the FDCPA in part to eliminate abusive debt collection practices by debt collectors.
XXXX XXXX has a right to free from abusive debt collection practices by debt collectors. XXXX XXXX has a right to receive proper notices mandated by the FDCPA. XXXX XXXX has suffered harm as a direct result of the abusive, deceptive and unfair collection practices described herein. XXXX XXXX has suffered damages and other harm as a direct result of the a actions, conduct, omissions and violations of the FDCPA described herein.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern, I am writing to dispute and continue contact in regards to a collections account that you have placed on my credit report. I contacted an individual in your office who went by the name of XXXX ( spelling unknown ). I informed her that I was unaware of a collection against me and that I learned of the collection account against me after pulling a credit report to obtain a mortgage pre-approval. I told her I would be happy to pay today if we could remove that account from my credit report. She informed me that you do not accept pay to delete. She also proceeded to inform me that we had talked in XXXX and I had disputed the account then.
So here arises my questions. If it was a disputed account in XXXX, why did I not receive any further contact from you? No verification of the debt, no additional attempts to collect the debt. At this point in time I am not interested in who owes who and how much, I am strictly interested in correcting an issue on a credit report that should not be there due to your poor practices. Again, I am asking that we settle this issue in the most simple way possible which is to pay a debt that you claim I owe ( but have never verified, and I dispute ) and you correct a collection account on a credit report that should not be there because it was disputed and you failed to follow through with adequate verification of the debts.
Please note that I never requested ceased communication in accordance with section 805 of the FTC ( 15 USC 1962d ).
Also the validation of debts under section 809 of the FTC ( 15 USC 1692h ) paragraph ( a ) ( 1 ) states, a statement that if the consumer notifies the debt collector in writing with the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and I made the dispute over the phone and was never informed that I must write in to obtain this verification and to what address I must make that dispute.
You also failed to notify the credit bureau of the dispute ( therefore failure to contact me based on the debt being disputed is null and void ) and I had to file that personally. That is in violation of section 807 of the FTC ( 15 USC 1692f ) paragraph ( 8 ).
Finally, section 813 of the FTC ( 15 USC 1692I ) identifies the damages that you can be held liable to for failure to furnish the adequate information and communication in regards to the collection of this debt.
So I am asking that we settle this out of court for the amount originally due to simplify the process of the dispute, and that the incorrect collections account be removed from my credit report as required by law. If this isnt satisfactory to you we can continue with the dispute of the debts and the fact that you have failed to provide adequate communication and verification of the debt in question.
|
| 11/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that ALDOUS AND ASSOCIATES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$230.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. ALDOUS AND ASSOCIATES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
|
| 10/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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On XXXX XXXX, 2016, I purchased a brand new XXXX XXXX XXXX at a full price of {$750.00} from a XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MA, XXXX. As part of the transaction, I traded in a used XXXX XXXX for a value of {$9.00}. This credit was applied to the cost of the new phone. Even though I was able to, I was told that I could not pay the entirety of the full amount at that single transaction. {$600.00} of the total cost was financed through XXXX, and I paid the remainder ( minus the {$9.00} credit, plus a tax of {$46.00} ) which came up to {$180.00} to XXXX XXXX. I went home that night and paid the {$600.00} which had been financed ; I paid it online through my XXXX account. This completed payment of the full cost of the phone. On XXXX XXXX, 2016, I switched my phone service from XXXX to a more affordable service, and did not incur any penalty fees with XXXX, because my plan with XXXX was on a month-to-month contract and I was free to switch anytime. I received the first letter from XXXX XXXX dated XXXX XXXX, 2016 ( letter attached ), stating that I owed XXXX XXXX {$200.00} for terminating my service. I wrote them back on XXXX XXXX, 2016 ( letter attached ) disputing this claim and asked for proof of my debt. XXXX XXXX wrote back on a letter postmarked XXXX XXXX, 2016 ( letter attached ) reasserting that I owe {$200.00} and falsely claimed that they had sent me the purchase agreement I signed during the purchase of my phone. I wrote back again on XXXX XXXX, 2016 stating that they did not send the document and I reasserted that I do not owe them {$200.00} and asked for them to send the document if they have it so that I can address the matter further. In the meantime, XXXX XXXX retained a law firm, Aldolus & Associates, to collect this debt from me. The law firm reached out by phone and when I asserted that I was incorrectly being asked to pay a debt I did not owe and that I was not going to pay it, they threatened to report the debt on my credit report. I told them I needed proof of the debt and they told me to send a written request before proof can be sent to me. I received a follow-up letter from Aldolus & Associates dated XXXX XXXX, 2016 ( letter attached ) about the debt and I sent the written request for proof of the debt on XXXX XXXX, 2016 ( letter attached ). I am yet to hear back from Aldolus & Associates, but XXXX XXXX finally sent the purchase agreement which I signed, postmarked XXXX XXXX, 2016 ( agreement attached ). The Wireless Device Agreement section of the purchase agreement ( beginning at the bottom of page XXXX and ending at the top of page XXXX ) clearly states that only if a customer receives a discount on the phone from XXXX XXXX and also terminates service with XXXX before the end of 185 days, that customer would owe XXXX XXXX an early cancellation fee of {$200.00}. I never received a discount on the phone from XXXX XXXX, so this section of the agreement does not apply to my transaction with XXXX XXXX and I have been wrongly charged a fee of {$200.00}.
|
| 12/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
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Initiated XXXX fitness accounts with XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX employee # XXXX, assisted with accounts, to set up XXXX debit, was given my banking information in the fitness facility. After months of problems with accounts, several emails and time spent taking with managers and employees at the fitness center attempting to correct accounts, the fitness center could not rectify the issues. I called in XXXX of XXXX to cancel the accounts, I was told I needed to do it through the app, which on XXXX account as stated the app wouldn't ever work. I called XXXX XXXX instead, was connected with an employee whom stated she could help me cancel the memberships. upon review I was told, they sent XXXX account to collections and the second membership could not be cancelled until XXXX unless I pay an additional {$25.00} fee, so I called back in XXXX, an associate then cancelled the fitness membership, she stated I would not receive any confirmation that it was cancelled, she had me search the membership number, it wouldn't come up, but as stated I had problems from day XXXX with the membership, I was told it was cancelled and that is why I couldn't search the number. The past XXXX months after cancelling they continue to debit my banking account.
The other account I sent a letter of request for detailed charges, since they only sent and email to a minor child requesting payment. I followed up with a call to the collection company, they said, I sent the letter back to them, which If I am reaching out to them, why would I send it back, they stated they have been calling me, which I have XXXX calls form them, I have XXXX account that is paid in full monthly, have spent several hours at the fitness center with managers and emails, saved of communications with XXXX, so why would I allow an account or avoid payment of and account. I also took the time to send a certified letter of request to XXXX. which I can not receive proper colorado law breakdown of the charges owed, I continue to get a runaround of false information from XXXX XXXX XXXX XXXX. In XX/XX/XXXX called XXXX XXXX XXXX twice, after sending letter of request. on XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX XXXX, who told me first I sent the information back to their company, then I told him that is incorrect, because I haven't received communication back since the request. He then stated, it was sent back because I did not provide the correct address. Which I argued I had written my address in tow places, on the outside of the envelope and also placed the address on the letter of request in the upper left hand corner, so I know he was not being honest with his information he is providing. As of XX/XX/XXXX, I have not received by colorado XXXX, proper communication of the debt owed, have not received written communication from XXXX & associates of what my rights are, if I can dispute all post letter of request as stated the company told me I had to send when I called in XXXX.
|
| 08/31/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is regarding an adverse account item logged to my XXXX credit report on XXXX/XXXX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim.
The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XXXX XXXX, XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX exam and XXXX test could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters.
Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XXXX XXXX, XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX.
I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
|
| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is regarding an adverse account item logged to my XXXX credit report on XX/XX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim.
The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters.
Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX.
I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
|
| 10/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
On or about XX/XX/XXXX I went to the local XXXX store to upgrade my cell. The salesperson said they had a special for upgrading to include 2 tablets. I really didn't want or need the tablets but agreed to try the new cell ( I opted for 2 upgraded phones ). A week later I decided I didn't like the new cells and didn't want the tablets ( didn't use them, still in box, but salesperson insisted on activating the tablets ) I returned the tablets & phones to the store and was given a device return slip for both tablets and the phones were just an exchange for 1 upgraded phone. I also called XXXX and they saw that the tablets & cells were returned and gave me a credit for the early termination of the unwanted tablets & phones. I was told this wouldn't be a problem as they had an exclusive " holiday return from XX/XX/XXXX to XX/XX/XXXX '' and I wouldn't be responsible for an early termination. Well then a few months ago I started to received messages on my new cell ( new # was given to me when I got the new phone ) The messages asked that Aldous & Assoc be contacted and they were trying to collect a debt. I couldn't understand why as I was told & received the return device receipt and assured by XXXX nothing was owed. The cell messages from this firm were on a weekly basis and I had my husband speak with the " law firm/collection '' company. They were rude to him and began yelling. My husband asked them to send a verification of debt, they said they had but the address they had was not even correct. We gave them our current address and they denied receiving anything. Called them back and they said to send a self stamped address envelope with proof of the cancellation & return of the devices, which we did. Last week another call came in asking us to call again, then a letter saying we owe {$600.00} ( down the from {$700.00} ) they said we owed for the tablets. The last paragraph stated " At this time no attorney with this firm has personally reviewed the particular circumstances of your acct ( which the acct # was also wrong ).
So if they haven't reviewed our XXXX device return receipt and the account is wrong, why the abusive phone calls and letters with incorrect information. This is very disturbing to be accused of a debt that is totally wrong. This law firm/collection company has multiple complaints ( over 183+ ) saying the same thing and threatening to take people to collections without reviewing the information sent. This is being labeled as a " Scam to collect debt '' by using tactics that are illegal. I wish to have this reported and an investigation done on the unfair credit practices they have tried to get away with. Totally unethical business practices and needs to be stopped.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX During the shutdowns of Coronavirus I contacted XXXX in XXXX XXXX, California through email as a concerned member that had just been charged a monthly membership of {$20.00}, even though they were closed. I received a reply from the manager that he would make sure that moving forward the account would not get charged and that anything that was owed to me would be giving back to me once the gym opened up again. ( emails are attached for reference ) On XX/XX/XXXX I contacted XXXX by email again, this time for one main reason ; to cancel my membership. I received a bit of resistance from the manager by email, by offering me to instead freeze my account. I was set to cancel no matter what. After that email he also called an old phone number that has not been mine for years and gave information about my account to that person. All this was done knowingly that that person was not me and someone else. I was not happy about that either. I responded back by email saying that I wanted to proceed to cancel my account. After that email was sent I considered it done as there was no other response back from him. This was still during the shutdowns when the gyms were still closed. ( emails are attached for reference ) 6 months later In XX/XX/XXXX I receive a text on this day from an employee named XXXX from XXXX, threatening to send me to collections if I did not pay what was past due. I was shocked to know that Crunch had never canceled my account as requested in XX/XX/XXXX. I immediately contacted them by email. I waited the time the XXXX website suggest to wait for a response and no reply was ever received on my email. I then proceeded to contact them by phone and spoke to an employee at XXXX regarding this issue. She didnt give me any information I requested and she advised to wait to get a call back from XXXX which is the manager ( the one I had communicated by email in XXXX and XX/XX/XXXX ) and not to worry that they were having software issues and that I was not the only one with this past due balance issue that needed to be resolved. Regardless, I waited and no call was ever received from XXXX at XXXX in XXXX XXXX, CA. The customer service I have experienced with them is unprofessional, not returning email messages, trying to understand and communicate and not being able to do so, for a suppose debt that I am sure do not owe. ( text message and email are attached for reference ) On XX/XX/XXXX I received a letter a little late because it was sent to the wrong address in the mail. Its from XXXX collection agency, law firm Aldous & Associates. Stating I owe {$270.00}. This is not correct at all. ( Picture of letter is attached for reference )
|
| 08/14/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on XX/XX/2018, also certified. within these letters I informed the company they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They dont explain what the debt is from. I cancelled my membership immediately following the pandemic after the gym lied that they were unable to furnish me with account membership information and l cancelled my membership exactly as required. And many months later I begin receiving these messages with zero explanation of the alleged debt or option to dispute the alleged debt : Aldous & Associates logo Attorneys At Law Date : XX/XX/2023 YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX XXXX Current Balance : {$260.00} Hi XXXX XXXX : This is another past due reminder. Non-receipt of payment could potentially result in reporting on credit. We have not received a payment for your account XXXX with XXXX XXXX. {$260.00} is still outstanding. Please make payment via ACH or credit card at our portal. To make a payment, click on the given link.
Pay Now Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Sincerely, Aldous & Associates, P.L.L.C.
THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
At this time, no attorney with this firm as personally reviewed the particular circumstances of your account.
Go to cfpb.gov/debt-collection to learn more about your rights under federal law.
VISIT WWW.ALDOUSLEGAL.COM OR CALL XXXX FOR MORE INFORMATION. XXXX XXXX XXXX.
Office Hours : Mon Thu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you no longer want to receive these emails, click here to unsubscribe.
Please do not reply to this email as this address is not monitored.
CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored.
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Good evening.
My name is XXXX XXXX, a former XXXX XXXX Veteran, a former SC XXXX XXXX giving selfless service most of my life. Cell : XXXX. Address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Email XXXX My complaint.
Gym membership opened in XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX XXXX XXXX location.
I moved to XXXX NC in XX/XX/XXXX.
I ask to CANCEL my membership @ XXXX XXXX. The manager at that time said he would transfer my membership to XXXX XXXX in XXXX NC where I live, so I agreed.
Here is where two problems exist.
XX/XX/XXXX my gym closed for 3 months if not longer. During this time I personally ask to cancel my membership, the XXXX XXXX XXXX. The manager there told me to write a letter to their corporate office in order to cancel my membership. What?
So I did. I sent a letter to XX/XX/XXXX XXXX XXXX AR XXXX giving specific details why I am canceling the membership, as I did in XX/XX/XXXX. XXXX XXXX stated that they would not take from my account while COVID-19 had the gym closed. They never stopped taking from my account.
Thats a problem but not the BIG problem. After canceling my membership in XX/XX/XXXX I believe everything was completed on both ends. As of XX/XX/XXXX, my credit report showed I was placed in collections for {$99.00}. When I investigated, it showed ME opening an account/membership in XX/XX/XXXX to XXXX XXXX. This is fraudulent behavior that needs to be exposed. If they are doing this to me, how many others are they doing this to?
So I called the XXXX XXXX XXXX XXXX to see what is going on?
XXXX, the manager looked into it and apologized for the miss-hap.
He couldnt believe that this happed and could not explain who opened the account NEW MEMBERSHIP that issued a {$99.00}. fee.
But XXXX had it taking off my Credit report. So I thought!
As of XX/XX/XXXX, I received a letter from Adouls law firm XXXX XX/XX/XXXX stating I am going to collections if this {$99.00}. is not paid. This law firm is paid by XXXX XXXX.
I did not join XXXX XXXX again in XXXX or ever in my lifetime. They took 3 months {$60.00}. total while they were closed, I canceled filling out the form, letter and personal acknowledgment stating I am canceling the membership.
Now someone opened an account in XX/XX/XXXX apparently in my name! Fraudulent documentation.
Please XXXX XXXX help me.
I do not owe anything to XXXX XXXX, I cancelled the membership by their rules and still am being harassed. I cant believe that this is happening to me!
Thank you for taking your time to read my statement.
Hope to hear from you!
May GOD bless you!
XXXX XXXX XXXX
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX have never had an account with this company ALDOUS XXXX, REMOVE from all credit agencies from reporting.
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( XXXX ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( XXXX ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 11/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1.I have never had an account with this company ALDOUS AND ASSOCIATES , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I signed a lease with XXXX XXXX in XXXX, Arizona for a one bed one bath in a 4 bed 3 bath floorplan. I subleased in replacement of a prior tenant who had a personal experience and had to flee.This apartment is for university students and they offer random roommates which was what I was in. I was asked by the front desk verbally to submit an inspection via email since my resident portal was under technical difficulties since it was a sublease situation. I did as requested, I submitted all damages and prior usage of the communal areas, my room and bathroom area that I was accountable for. It was submitted on XX/XX/XXXX due to the technical difficulties they could not solve and the waiting process was not useful. This issue was solved verbally in the managers office at the property of University House. I added in descriptions of the damages. It was accepted by the XXXX XXXX XXXX verbally and also via email since they announced they received. XXXX XXXX requested {$20.00} by every tenant in the apartment for a damaged couch in the communal area on XX/XX/XXXX which was already there prior to me moving in. I sent in the request for dispute since I announced it was damaged prior of moving in. They accepted my dispute due to evidence via email. Post my move out on XX/XX/XXXX, I let them know to please utilize my email so they wouldn't make the mistake of wrongfully charge me for damages. They replied XX/XX/XXXX via email yes acknowledging my email and told me to wait on disputing charges until a statement came in from them. I waited. On XX/XX/XXXX I checked in with them if they had time to check and dispute the charges. That's when I suddenly received the finalized statement of University House trying to collect the total of {$560.00} from me with false damage charges. On XX/XX/XXXX, I reminded them about my email and situation about the inspection submitted via email. They never replied to calls or emails which then led these false charges to the collection agency of Aldous and Associates : for damages that I am not reliable for. I attempted to dispute with the debt collection agency on XXXX of XXXX with concrete evidence. However, they denied my dispute upon the reasoning being none at all and sent back the lease of XXXX XXXX to my mailing address as their response. No other reliable reasoning. I want help with disputing the total amount of damages I was not reliable for : the total of {$560.00}.
|
| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received letter from ALDOUS and Associates, P.L.L.C in XX/XX/XXXX regarding a debt for a gym membership that I did not owe with an amount on or about {$350.00}. Sent a dispute form to them in XXXX. XX/XX/XXXX, ALDOUS and Associates sent a form with my contact information ( name, old email, phone # and dob ) from the parent account that had enhanced privilege and was cancelled in XXXX, this time with a debt of {$220.00}. There was my contact info for which my father provided for the enhancement on his account that was cancelled, but no signed agreement with me as that didn't exist. His account was an autopay for $ XXXX then with enhancement, $ XXXX total. When he cancelled in XXXX, that was that. On XX/XX/XXXX, I sent a dispute letter correspondence denying the debt, requesting a copy of a signed contract between ME and the facility, requested that they do not contact me again and note to any credit bureaus that the debt is disputed. On XX/XX/XXXX, ALDOUS and Associates claimed my dispute was invalid because they claim I was sent a copy of executed agreement ( which was never sent as it doesn't exist ). They sent contact info of my father ( email, contact info address ), but again provided no contract between me and the gym in their rebuttal correspondence but threatened to report a different debt amount of {$250.00} to credit bureaus. {$350.00}, {$220.00}, {$250.00} which is it? The bottom of the letter states, " At this time, no attorney with this firm has personally reviewed the particular circumstances of your account ''. I am sending one last do not contact letter and filing this claim as I have never signed an agreement with the gym ( I have attended school out of state far away and use my school email ) and never signed a membership contract to a facility. I believe this to be fraudulent/scam attempt to collect money that isn't owed and ruin my credit, or terrible accounting records at the gym in an attempt to collect money. Guest access on a parent gym card, a gym membership he cancelled in person, doesn't convert itself into a separate new contract between me and the gym, becomes an unpaid debt to collect from me. I never signed a membership contract with this small gym. My contact info that is what parent provided as the guest to use the enhanced card doesn't make me an account holder ( not when I was a minor and not when I did not sign anything agreeing to terms as an adult ).
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| 07/06/2017 |
No |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On XX/XX/XXXX, we purchased 2 cell phones from a XXXX XXXX retailer, XXXX XXXX. The sales representative, XXXX XXXX, sold us a bundle package for 2 cell phones, 2 tablets, 2 virtual reality headsets, a XXXX XXXX device, a XXXX XXXX, and other cell phone accessories. During the purchasing process four additional lines were activated with a 2-year agreement on each. XX/XX/XXXX, we decided that we no longer wanted the XXXX XXXX device and we contacted XXXX to terminate the attached line of service ( XXXX ). XXXX informed us that we would be liable for a charge of {$100.00} for early termination, which we agreed to and paid XXXX XXXX for. On XX/XX/XXXX, we received a collection letter from Aldous & Associates regarding a collection attempt on behalf of XXXX XXXX for {$20.00}. I contacted XXXX XXXX to inquire if they had any outstanding charges on our account and we were informed that our account with XXXX XXXX was current with no outstanding charges. Afterward I contacted XXXX XXXX, the sales representative said that he could not consider the matter and that I would " have to physically come to the store and speak to the manager tomorrow between XXXX XXXX and XXXX XXXX. '' I then contacted Aldous to inquire what the outstanding charges for the collections were for and they told us that XXXX XXXX charged us a bill of {$20.00} for breach of contract for early termination on the XXXX device. We asked the collection agency why did the retailer not notify or send us any correspondence regarding the issue before this collection letter? They responded that " XXXX XXXX feels like this is more effective. '' Therefore, I was not afforded the opportunity to correct the alleged charges before my credit is at risk of being damaged. Additionally, I reviewed my signed Sales Agreement with XXXX XXXX and there are two sections regarding agreements to the policies. The first section states the Early Termination Policy in which we honored with XXXX XXXX. The second section is regarding policies with XXXX XXXX, which I was not asked ( and I did not ) sign. In the second section, it explicitly states that " I have obligations to XXXX XXXX that are separate from my obligations to XXXX. '' It continues with another early termination policy allowing XXXX XXXX to recover payment. Again, this second section is not agreed upon and I was not asked by a sales representative to sign it for the sale.
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| 12/20/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Aldous & Associates , PLLC XXXX XXXX XXXX System XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for.
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
Documentation that shows I agreed to pay this debt with my signature.
The agreement that grants you the authority to collect on this alleged debt.
A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Aldous & Associates , PLLC, Inc. has invaded my individual privacy under 15 U.SA 1692 A.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
|
| 07/12/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American |
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On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with XXXX XXXX.
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I received my first letter from Aldous & Associates P.L.L.C on XX/XX/2021.
I responded with a validation letter on XX/XX/2021 via US mail certified mail with a return receipt. Asking for Validation of debt and also asking for them to only contact me only in writing. In my letter, I specifically asked for communication in writing. See below ( 1 ). Also, in the letter, I asked for Validation which they never sent me. See below ( 2 ). I sent a second letter on XX/XX/2021 via US mail certified mail with a return receipt verifying I have never received the valdiation and again asking for communication only by mail. Yet, I still am receiving phone calls from Aldous.
As of XX/XX/2021, Aldous has called my phone 2 -3 times a week. I know this because I have a recording of every phone call via my answering machine. I have had between 10 - 20 phone calls after asking them not to contact me by phone.
( 1 ) " In writing, I would also like to request that your offices make no telephone contact to my home or my place of employment. However, suppose your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties. In that case, it will be considered harassment, and I will have no choice but to file suit. Therefore, all future communications with me MUST be done in writing and sent to the address noted in this letter. '' ( 2 ) '' As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/2021.
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests. '' As of XX/XX/2021, Aldous has ignored my request to communicate by writing and has harassed me by phone on multiple occasions after asking in a received letter twice. Aldous also as of XX/XX/2021 has not validated my debt per my request.
|
| 10/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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In XXXX of this year, 2023. I contact XXXX 's XXXX in XXXX to cancel my membership. They told me I need to email XXXX to submit a cancellation request. I submitted the cancellation request and did not receive a response. The next month, the gym tried to debit my account. I went in person to clear this up. The person at the front desk confirmed I had the correct email and they would forward my request to the appropriate person. Finally my gym membership was cancelled and then I received a collection notice from Aldous and Associates via snail mail. In the collection notice they included a self addressed envelope. I printed the original attempt to cancel my membershi and mailed it to Aldous and Associates. Last week I received a call from Aldous and Associates attempting to collect {$120.00} and they said if I don't pay it they will report to my credit. I explained to her that I mailed proof of the cancelation. She said they don't have it and she said she can email me so I can respond. This morning, I respond to the email with the attachment of proof of cancellation and this is the response I get : " You have emailed an unmonitored 'noreply ' email address.
If you need any help, please don't hesitate to contact us at XXXX.
Best regards, Aldous XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT, ALL INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. '' I immediately call Aldous and Associates because at this point I think it's comical that someone tells me I can respond via email, communicates with me via email and then I get the response that emails are not checked.
When I called this morning, the customer service representative that answered told me that they can't accept correspondence via email, only through their XXXX XXXX XXXX I was transferred to the supervisor XXXX XXXX who confirmed they can not accept correspondence via email and I would need to send in proof. I told her I did, send in the proof and I kept getting the run around and they are making it impossible to resolve this issue. I made it clear that they know and it is recorded that this is a bad business practice.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
I have been repeatedly contacted and harassed and accused of owing money to XXXX XXXX for a membership I never signed up for nor do I know anything about. I have told this law firm ALDOUS & ASSOCIATES this multiple times. I also requested written as well as physical proof of when, where, a witness statement proving that I was ever in any XXXX XXXX location and any paperwork I would have had to have signed and shown my ID to someone so they could verify that it was in fact me who was signing up. They can not provide me with anything other than telling me I owe XXXX some X amount of money. They can't tell on what day this supposedly happened or where or what type of membership or who signed me up. All they gave me was my correct phone number an email address I don't hardly ever use and my address information. All of which is searchable via the internet. This has been happening for over a year now at random. They send me a notice and I respond the same way I call and ask for the information I listed above then they try to get me to verify my info and give them my social and I tell them no. I have never once received a document with a tear off that gives me an opportunity to dispute these claims and when I have asked for XXXX to be sent to me They send me the same payment letter with a tear off requesting my credit card info and offering me 50 % off my original debt amount owed.
Now they are threatening that my credit report will be damaged until I give them money that I don't owe them or anyone else. I NEVER SIGNED UP FOR A XXXX GYM PASS AT XXXX.
I made that mistake once with XXXX XXXX in the early XXXX 's and paid that debt off in full back in or around XXXX or XXXX give or take a year on either side that was XXXX years ago.
I know how the gym membership debt works I have done this before and I paid what I signed up for then and it was never XXXX simple payment of X amount of dollars and at no time do they offer you XXXX XXXX off your debt owed.
I feel like this is either a scam or set up. I HAVE BEEN WORKING MY XXXX OFF WORKING ON MY CREDIT SCORE AND THEY BETTER NOT MESS WITH IT OVER SOMETHING I NEVER SIGNED UP FOR.
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I Had a gym membership with XXXX XXXX located in XXXX, NY I had called XXXX XXXX in or around XX/XX/2020 and explained that I needed to cancel my gym membership, since the lockdown from the pandemic is going to last. They told me I had to send a certified letter and I explained we are under a lockdown and I can not go to the post office. XXXX explained someone would call me. I never heard from them and then a year and a half later a gentlemen from Aldous & Associates located in Utah calls me and says I owe {$140.00} to XXXX and he is a debt collector. I explained I had called XXXX and cancelled and they said I would have had to send a certified letter. I explained NY was locked down and I could not send a certified letter. I went on further and asked when was this debt from and they said they didn't know. I said I need a copy of the debt instrument and they said send a request to their PO Box and I had explained I wanted an address so I can send a certified letter signature required they said no. I also explained my gym membership was up prior to NY allowing people to go back to the gym and they said I was on auto renew. I went on further and explained NY has a law requiring gym 's to allow people to call to cancel their membership and NY does not allow for auto renew unless it was explained to the consumer and nothing was ever explained to me. The rep from Aldous & Assoc. said they do not follow NY law and they follow federal law. I then asked what federal law did I break? They would not answer that. After that phone call my credit monitoring company reached out to me and stated that Aldous & Associates put a negative mark on my XXXX credit report stating I was in collections. Right on Aldous & Associates website they state they report to credit agency 's then the consumer usually settles the debt quickly. Please note I never received a letter or any written communication as to who these people are and what and when this debt is for. These days this sounded like a scam and not a legitimate business. I asked for a copy and validation of the debt and then they negatively impact my credit? This must be illegal behavior.
|
| 03/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022, I went to XXXX XXXX XXXX and spoke to an employee about freezing my membership due to me starting XXXX XXXX and would not have time to come to gym. The employee stated there was a 3 month or 6 month option, which I chose 6 month freeze and employee told me manager was not present but that they were putting a note in computer and note for manager to handle situation. A few weeks later I start receiving calls about my account. I then spoke to employees on the phone 3 separate times attempting to once again freeze my account like I was told was getting done the first time and apparently it never did. 3 times over the phone I was told that it was handled, after I had done the freeze in person which was unsuccessful due to employees for whatever reason. I then receive a letter in the mail stating I now owe money due to lack of payments for my account which I was told by staff situation was handled 4 different times and clearly it was not. Once I received my debt collection letter I called XXXX XXXX to ask them why this is occurring. They stated they see notes in the computer where I went up there AND called and spoke to employees to freeze my account, stated they did not know why it was not successful, but now that they have turned me over to collections there is nothing they can do and I have to handle it with collection company. Which is completely unacceptable that they directly have proof in their computer than I requested this freeze multiple times and they never completed business on their end which is now causing me to have a debt collection due. I called collection company and employee was horrible and very unhelpful and said there is nothing he can do because XXXX XXXX said I owe the money. So I basically have both companies telling me there is nothing they can do, when there is no reason why I should owe this business any money. I never attended that gym after XX/XX/XXXX when I entered the building and requested an account freeze and was told it was complete and they would see my again in 6 months when freeze was over. I do not owe this company money and somebody needs to fix this situation.
|
| 09/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I received a letter from Aldous & assoc for a debt in the amount of approx. {$260.00} for XXXX XXXX. I called XXXX XXXX and was told to call XXXX. I called XXXX XXXX XXXX said call Aldous & Assoc. I went on Aldous & Assoc website to see what this was about and to get more info. Aldous website gives a phone # for contact but does state it wont take emails. So I called Aldous. I told them the situation. The Aldous rep stated I needed the cancellation to XXXX in writing which I dont have because I cancelled in person at the gym in XXXX XXXX.So when I called Aldous & Assoc their Rep explained to me I had to send a letter in writing requesting info on this reported debt. I asked for them to send me any paperwork, bill, contract they had so I could see this debt for myself and decide what to do. Rep told me their debt collections letter was the official paperwork I needed, and it was Aldous and Assoc policy for me to request more info like actual bill or something to show this was actually my debt in writing only. I asked again for them to send me something and was told no I had to request info in writing. Aldous Policy is not MY Policy and not the LAW!
I am here now requesting all billing contract and correspondence between me and XXXX XXXX as I dont have any business or legal contract with Aldous & Assoc and I dont just send money to people that send me a letter with a debt amount and say pay us this money or we will report you to credit reporting agencies. Aldous & Assoc seem to only follow their own internal Policies and not Federal or Utah State laws regarding debt collection. Also at the end of our conversation Aldous & Assoc who was rude and yelled at me, told me you have a {$260.00} bill PAY YOUR DEBT! then hung up!! after that phone conversation i went online and saw Aldous & Assocs have many negative reviews and complaints about them. They seem very shady. They also threatened to send my info credit bureaus. I tried to find a physical location of this company but theres only a PO Box . I found some info online about this company on glass door from former employees apparently its in a basement somewhere.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 12/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ALDOUS & ASSOCIATES # 1, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, UT XXXX To : The Office of Registered Agent for Aldous & Associates # 1, LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for.
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
Documentation that shows I agreed to pay this debt with my signature.
The agreement that grants you the authority to collect on this alleged debt.
A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Aldous & Associates # 1, LLC, has invaded my individual privacy under 15 U.SA 1692 A.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 09/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Aldous & Associates P.L.L.C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates P.L.L.C From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Company : .Aldous XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip : XXXX UT XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
|
| 02/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
|
I am a XXXX XXXX customer.
This is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX.
On XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ).
However, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ).
When I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints.
He told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone.
On XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX.
I did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness.
If I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time.
Since I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX.
XXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers.
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| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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In accordance with the Fair Credit Reporting Act. The list of account have violated my Federally protected Consumer Rights and privacy and confidentiality under the ( 15-U.S.C-1681 ) .
XXXX.ALDOUS AND ASSOCIATES, PLLC- no account ever issued.
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX. Account # XXXX Late payments XXXX XXXX - XXXX Closed XX/XX/XXXX no account # because it is fraud.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX -FRAUD not responsible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD Not responsible XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD NOT MINE XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NXXXX XXXX inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference # Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to Privacy.
15 U.S.C 1681 SECTION 604 A. Section 2. It also states that a consumer reporting agency can not furnish an account with out my written instructions.
15 U.S.C 1681 c ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; 15 U.S.C 1681 s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Aldous & Associates for committing identity theft. I have never given Aldous & Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Aldous & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aldous & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Aldous & Associates continues its collection efforts, I will file for litigation for actual damages caused and Aldous & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 06/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Greetings, I have been contacted via several emails and a postal letter by : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX The above contacted me about a debt not owed by me for my daughter in her student housing apartment complex, XXXX XXXX, in XXXX, Kansas. My daughter moved out officially on XX/XX/2023, and all utility bills were paid as can be seen in the attached files. If XXXX XXXX didn't acknowledge the payments it's because of the depth of ineptness within the XXXX management ; namely an assistant by the name of XXXX XXXX.
In a telephone conversation, I asked for details of the alleged debt as nothing specific was mentioned. The letter only states : 'defaulted contract with the company, ' I was told in the letter to respond with a phone call or in writing by XX/XX/2023, to avoid any collection actions. I did so with a phone call. However, contrary to their statement of no action before XX/XX/2023, they had already posted a derogatory comment on my XXXX Credit Report on XX/XX/2023 ; an action inconsistent with their alleged policy. They are ignoble liars. Furthermore, on XX/XX/2023, I was advised in a telephone conversation with XXXX XXXX, a representative of Aldous, that I would receive an email that detailed the amount owed within 24-48 hours, but that never happened. Had I received that letter I would have had the time to respond in writing via overnight express mail, and stopped any collection activities or notifications to credit reporting companies, according to them. But unfortunately, their word and statements amount to nothing more than lies, and misleading letters and phone calls with their representative.
Two issues : The company lied about sending detailed info about the alleged debt.
The company posted derogatory info to credit bureaus before the deadline to disagree.
I want Aldous to pay the statutory amount to me as a consumer for their unscrupulous behavior, and remove all derogatory info from my credit report.
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| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Aldous & Associates ( " Aldous '' ) has repeatedly taken steps to ruin my and my partner 's respective credit while the alleged underlying debt is disputed ( it would appear that Aldous suggests the disputed account was joint, and thus it decided to attack both of us ). In fact, we want to report our belief that Aldous violated 15 U.S. Code 1681s2 ( and other consumer protection applicable law ) in their blatant disregard for consumer rights and handling of this issue.Aldous has continually ruined our respective credit by reporting the disputed debt as delinquent when they knew or had reason to believe that their information was inaccurate. Once we became aware of Aldous, we respectfully and painstakingly informed them that the debt was not ours, and asked for additional information both electronically and telephonically. We even had an attorneycall Aldous to fact-gather. Aldous has blatantly and systematically ignored all of our requests and statements regarding the inapplicability of the alleged account. Instead, Aldous decided to take the predatory route in attacking our respective credit reports ( which some might consider, as performed here, financial XXXX ) before providing us with information and addressing our information that the account underlying is disputed.
Overall, the alleged bill is based on services that were not rendered. As our credit reports show, we pay our debts. We refrained from paying this alleged bill because we needed further information from Aldous, which it decided it simply did not want to provide us ( and because we do not owe thealleged figure. Again, we always pay our debts as history shows ; this is a matter of right and wrong. We will not pay something that is not owed. And, we are disappointed that an entity which holds itself out as being a law firm ( Aldous ) would adopt such scofflaw practices in clear disregard to well established U.S. consumer protection principles and rules.
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| 12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Aldous And Associates XXXX South XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.
As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. Aldous And Associates, XXXX : {$120.00} XXXX. XXXX XXXX XXXX, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.
I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).
Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter.
Thank you for your time and understanding.
Yours faithfully, XXXX XXXX
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| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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DISPUTE COLLECTION : ALDOUS AND ASSOCIATES has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
If this cant be provided, please remove this account off my credit report. I would greatly appreciate it.
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter.
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 12/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I filed my first complaint in XXXX, ref # XXXX Since than I no longer received letters from that collection agency, but now a collection company is sending me threatening letters.
this is XXXX statement from previous.
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT I signed up for XXXX month XXXX membership to XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX. Winter special they offered. I suspended membership in XX/XX/XXXX. They confirmed they have record of this. I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. I called the location to complain about this and they said I renewed but I signed nothing. I just got a debt collection letter from XXXX XXXX XXXX saying I now owe {$190.00}?? I responded to the letter by email stating all of the above. I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! This is a scam. I did not sign up for any on going membership.
I sent another formal letter on XX/XX/XXXX that will attach to this complaint.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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I received a collection originating from XXXX XXXX by way of Aldous & Associates for {$100.00}. I travelled to XXXX to visit family and requested a 1 month membership which somehow became a rolling membership. When I left XXXX after 2 weeks I received no correspondence alerting me that the membership was still running. Before leaving, I went to the gym ( in XXXX XXXX that I was actually an employee at when the gym first opened years ago ) and requested to cancel my membership. To which I was told it would be processed by management the following day. Even knowing that I attempted to cancel my membership, I still paid the collection in hopes that I would have the blemish removed from my credit. As of today, it has been over one month since I paid the balance in full, but I still have this collection on my report that was caused by miscommunication. The blemish is to remain for 7 years & I even attempted to contact XXXX XXXX directly so I could avoid this, but to this day, I have not yet found a number. At this point, Im requesting that XXXX reach out to their collection agency ( Aldous & Associates ) and terminate the debt or whatever needs to be said for them to remove it. XXXX memberships should not be set up to mess peoples lives up financially for years and as a former employee, it feels downright predatory. This is my final ask for some sort of assistance from XXXX to remove this collection which has brought my credit down over XXXX points and caused cancellation of my credit cards due to a subprime score. At the very least, the gym should work with collection agencies that terminate the debt and delete following payment. My score has not recovered even after paying because the negative remark is still there. There is a law forcing reports to be accurate if reported but there is no law stating that they must report.
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed a contract with XXXX XXXX XXXX XXXX. The contract was dated XXXX XX/XX/XXXX. It provided for a one-year term expiring on XXXX XX/XX/XXXX. The contract provided for auto-renewal on a month-to-month basis after XX/XX/XXXX. During the initial term, I paid the contractual amount each month. After the initial term ended, I allowed the contract to auto-renew monthly for four months, during which time I paid my membership fees on time.
In XX/XX/XXXX, I provided written notice of termination of the contract pursuant to the Membership Agreement. On XXXX XX/XX/XXXX, I paid the final installment of the membership dues. Subsequently, I canceled the credit card that was previously used to auto-pay the account.
Without my knowledge, XXXX continued attempting to bill me for my membership despite the expiration of my one-year term and my written cancellation of the monthly contract. They sent me to collections for {$150.00} despite a monthly payment of {$19.00}.
Aldous and Associates is attempting to collect the debt on their behalf. No one has ever sent me any documentation to support the debt. I never received communication from anyone about it. The only reason I know about it is from my XXXX report. On XX/XX/XXXX, I sent them a letter asking to see their documentation supporting the legitimacy of the debt. I also offered to pay {$100.00} in exchange for deleting the information from my credit report and discontinuing any attempt to collect it.
Aldous and Associates refused to produce documentation of the alleged debt when I requested it of them. They declined my settlement offer, saying they would only accept the full amount, and would only report to XXXX that the debt was " paid in full '' if I paid them. Neither XXXX nor Aldous has obtained the judgment of any court compelling me to pay this amount. I do not owe it.
|
| 10/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The nastiest spirited people I have ever contacted. According to manager XXXX, which Im sure is XXXX, she claims She is not in the business of customer service when I explained to her that this entire process has been treated terribly. Not only did she make that disgusting comment to me as a client but insisted that its nothing she would do or suggest and basically told me that its all my fault any of this happened. Then she tried to hang up on me twice, belittled me by calling me hunny with a disgusting attitude. When I asked for her name, she only gave me a nickname and refused to tell me her full name. As you can see this isnt the first time this company has gotten a bad report for POOR customer service and its so sad that SUPERVISORS brag about not being in the customer service business. I would never recommend any facility that uses this firm, completely disgusting. Honestly the conversation was one sentence away from her being vulgar. Completely ruthless and disgusting approach and then she threatened to report to my credit and said Are you gon na pay or not?. The entire issue is that I no longer am in the area of the gym I attended and have called numerous amounts of times to cancel my membership. There was nothing explained to me at the start of my membership about cancellation policies. I have spoken with both XXXX XXXX XXXX and XXXX and they told me the ONLY way I could cancel is by coming in. Instead of cancelling my membership, they tried to shove incentives down my throat and completing negating the fact that I am no longer in the area. As explained to the supervisor, and she had the most disgusting and degrading response Ive ever received. Completely disgusted with this conversation. Our conversation took place on XX/XX/2023 at XXXX after have already being hung up on by another associate.
|
| 10/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Hello. I have been fighting a long hard battle with XXXX XXXX XXXX in terms of XXXX XXXX. XX/XX/XXXX I tried closing my account and was told that with the long battles I had coming back and forth to the gym that I would not be charged again or charged any cancellation fees. The following month, after several failed attempts I got an email from a woman stating that I do have to pay a cancellation fee and that she would terminate my account at that point so I do not incur any other amounts. For months after I received automated emails stating my card could not be charged and time and time again I sent responses to the gym stating that my account should have already been closed. I contacted the XXXX to notify them of the failure to communicate and the failure to follow requests and mistakes that they had continued to make causing me a bad name and credit. I also addressed my fear in getting a possible collection letter in my name due to these large mistakes they were causing. After the XXXX got in touch with the busin as, I was notified that my amount owed was only {$13.00}. 3 days ago I went to the gym to confirm the amount owed and pay the {$13.00} owed. Turns out, the gym stated I owed {$76.00} and some change. Also while in the gym, I was told that they do not send people to collections anymore. Just last night I received a letter from Aldous & Associates claiming to be requesting a debt owed in the amount of {$230.00}. I once again contacted the XXXX to reopen my case and am hoping to get in touch with someone who can clear my case and my credit. I never received a debt collection and now I have one wrongfully reported. I need assistance addressing this and information on any further steps that I can take to ensure safety of my finances and my good name as well as my credit.
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
For over 20 years I have had a month to month gym membership with XXXX XXXX located in Utah XXXX XXXX XXXX. In XXXX of 2020 XXXX XXXX XXXX sent out an email, they XXXX were closing permanently I cancelled my credit card payment and ordered a new on as I did not want my information out there in Bankruptcy litigation or to be purchased.
I later received an email from XXXX XXXX saying they were handling all of the XXXX memberships and I was included in this. I had never signed any agreement with XXXX and the Billing company in Utah was XXXX XXXX in XXXX Utah was persistent in leaving me voicemails about a delinquent account I have with them which I have never had an account with them. The callback number they leave will have you on a holding pattern that will not answer, after several attempts to call back I finally looked up the corporate number and finally got in touch with a representative who said, I can not cancel this contract until I pay the delinquent amount, they insist that I do have and signed a binding contract with XXXX XXXX and XXXX XXXX the billing company. I told them I have never signed anything which I have never signed a contract with anyone except XXXX XXXX. I would not pay for something I did have a contract with and asked them to email me a copy of my contract with XXXX they said they would but never have. Now they have sent me to a collection Agency Aldous & Associates P.L.L.C also in XXXX Utah who have a business affiliation with XXXX XXXX and XXXX XXXX they own the franchise for XXXX. They also will not send me a copy of the contract they say I have with XXXX, tey insists I am delinquent in payments I have never agreed to and have no contract with them, they keep threatening me with court proceeding and they threaten me with filing this on my credit.
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have identified instances of identity theft on my consumer report, which I believe are clear violations of both state and federal laws, particularly 15 U.S. Code 1681c-2. I did not explicitly consent to the reporting of these accounts, nor was I informed when initiating these transactions that they would be reported. This infringes upon my right to privacy. My securities and XXXX number have not been identified with the account listed. If the agency declines to remove this account, please provide evidence that you are not an affiliated, for-profit organization potentially profiting from the reporting of these private transactions. Since I have not granted permission for reporting, these accounts should be removed immediately. No verification or validation is required, and I do not consent to communication with the accounts I am requesting to be removed. Accuracy is not the concern, as the accounts belong to me. These violations stem from unauthorized transactions executed without my explicit consent, resulting in the disclosure of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Additionally, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft occurs when information is obtained and shared without express written consent, as in this case. The credit reporting agency lacks evidence demonstrating my consent for the reporting of these private transactions and accounts, as required by the Fair Credit Reporting Act.
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention a serious issue regarding inaccurate information on my credit report, specifically related to a collection account. It has come to my attention that a collection agency has been reporting incorrect information using my name and date of birth. I strongly believe this is a direct consequence of identity theft, and I am determined to rectify this situation promptly.
I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the erroneous collection account from my credit report. I understand that accurate credit reporting is crucial for maintaining financial stability and trust in the credit system, and I am committed to resolving this issue in a timely manner.
To assist you in your investigation, I would be happy to provide any documentation or evidence necessary to demonstrate that this collection account does not belong to me. Additionally, I have taken the necessary steps to report the identity theft incident to the appropriate authorities and obtain an identity theft report, which I am prepared to share with you upon request.
I am confident that your expertise and commitment to consumer protection will guide you in resolving this matter effectively. I greatly appreciate your attention to this urgent matter and look forward to receiving updates on the progress of your investigation.
Please provide me with the necessary steps to initiate the investigation and any supporting documents you may require. I eagerly await your response and am hopeful that together we can rectify this situation promptly and restore the accuracy of my credit report.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I had two XXXX XXXX accounts, I called XXXX in XXXX of XXXX to cancel after months of issues with the company and updating credit card information with XXXX XXXX, XXXX XXXX and XXXX, all employees of XXXX XXXX. Both accounts continued to have separate problems which the company was negligent in solving after several attempts. Upon initiation of canceling accounts in XX/XX/XXXX, XXXX only allowed me to cancel one account. They sent the other account to collections. XX/XX/XXXX my teen daughter received emails from XXXX XXXX XXXX stating she owed {$100.00} for the XXXX Account. I contacted the firm, requesting more information, a breakdown of charges and months. I was informed I needed to request in writing. XX/XX/XXXX I sent a letter with request for a detailed formal charges for the account. This letter was sent through the post office via confirmed mail. Tracking # XXXX. The only information was the email my daughter provided with a button that you could click on to pay. the firm had not contacted the adult either by mail or phone. XX/XX/XXXX I followed up with a call to XXXX XXXX XXXX as I still had not received any communication from them. The associate states, " you did not update your address, and you sent the mail back to us. '' this is inaccurate information, on the first call to them in XX/XX/XXXX, I verified my contact information, due to not receiving any communication from the which they stated they had attempted calling, I also sent my address in the requested letter and on the envelope. As of XX/XX/XXXX, I have not received by Colorado Law lawful account information of detailed charges being requested, even after following the correct policies requested by the company. This appears as deceptive practices.
|
| 07/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, I received a XXXX credit alert from XXXX and XXXX that a new account has been added. I was surprised because my credit has been frozen for a year and I have not applied for any new credit. When I logged into XXXX, I noticed that Aldous and Associates, a collection agency, had been added to my credit file in the amount of {$76.00} for XXXX XXXX in XXXX. I immediately disputed this as I have NEVER had a gym membership in XXXX nor have I ever received any bill or notification in the mail for this amount. I suspect someone took out a membership in my name. I immediately filed a dispute with XXXX, but when I called XXXX they said they could not locate the collections on my report, yet it was added to XXXX and then later on to XXXX, both credit monitoring services for XXXX. This is very upsetting to me because it is not my debt, I have never had a membership for XXXX XXXXXXXX in XXXX, nor have I received any information or warning from XXXX XXXX or Aldous and Associates before this was added to my report. If I knew that a debt was being collected in my name, I could have worked this out with XXXX XXXX to explain that this is not my debt and something is wrong. Now, my credit score has taken a significant hit. I checked my XXXX and XXXX reports and this collections account is not there, but I am worried it will fraudulently be added to those accounts as well. I work VERY hard to maintain a good credit score and have never paid any bill late or had any kind of negative mark on my account. This is very upsetting to me considering it is not even my debt and I never received anything in the mail notifying me that XXXX XXXX was trying to collect a debt, let alone one that is not mine.
|
| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I had a gym membership with my local XXXX XXXX . The contract I signed had a military clause. On XXXX XXXX XXXX , I provided them with a copy of my military orders. I received phone calls from XXXX XXXX , stating that they had not received my orders. I asked XXXX XXXX for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a nd asked XXXX XXXX from Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent. XXXX XXXX went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue. I specifically asked XXXX XXXX if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.
|
| 05/03/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I currently have a gym membership with a company name XXXX XXXX. Aldous & Associates as their debt collection law firm. I have been actively going to the gym with an account in good standing right up until COVID-19 hit and the gym closed at the beginning of XX/XX/XXXX. In XXXX, I signed up for personal training 3 times a week with this company. I started training with their personal trainers who were terrible and after about 2 months or so I decided to stop utilizing their services, and stopped scheduling my appts. I did this because the training program was geared around making people continue to utilize their services, not seeing results and not getting personalized workouts tailored to individual needs. I however continued with my gym membership. They claim that I never canceled my contract so they continued to bill me even though I wasnt utilizing those services anymore. Their charges are roughly {$50.00} for each training session. They are charging me approximately 30 training sessions that I did not take advantage of or utilize. They are holding me hostage and did not provide the quality service for which we agreed upon. I spoke with manager of the gym and they told me it would be fine as long as I kept my membership account current which I did and paid them the past due amount for the gym membership and they turn my membership back on ( over a year ago, and is still in good standing ). The law firm refuses to talk to me unless the account unless its about a payment, and the gym will no longer discuss this account because its now with the collection agency. They are trying to extort me out of {$1600.00} for services they did not provide.
|
| 09/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a phone call on Tuesday XX/XX/XXXX at XXXX from a debt collector claiming that he was an attorney from Aldous and Associates from the number XXXX attempting to collect a debt of {$57.00} from XXXX XXXX XXXX. I asked the man who was the agent was he a debt collector or an attorney? He told me he was an attorney. I made him aware of violations of my consumer right pursuant to 15 USC 1692e ( 3 ) false and misleading representation. I told him the false representation or implication that any individual is an attorney or that any communication is from an attorney is a violation of my consumer rights. He hesitated, became defensive, and told me a disclosure ; " this is an attempt to collect a debt. '' etc. and before I could tell him to " cease and desist '' pursuant to 15 USC 1692c Communication in connection with debt collection until they provided me proper validation of debt pursuant to 12 CFR 1006 Regulation F. He hung up the phone as I was speaking. Before he hung up, he threatened and told me if I didn't pay the debt, they would put it on my credit report. I called the number the agent called me from back. A female agent of the company picked up. I confirmed to see if it was the same company. I told her what happened, and she was shocked by the actions of the agent I originally spoke to and transferred me to her " supervisor ''. I explained and he said that he would go back and listen to the recorded call. I told him that they must cease and desist calling me until they provide proper validation of debt and that what his agent did was a violation of my rights. He told me they won't do that. I have to request it in the mail.
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020, I spoke with XXXX in Accounting about discontinuing my gym membership after over 20 plus years as a member ; through the 3 gym name changes, and closure of my original gym membership location. XXXX said for they were leaving at XXXXXXXX XXXX. and for me to put in writing that I was cancelling my gym membership and that I could leave the letter at the front desk.
I left the letter in an envelope addressed to XXXX at the front desk of the XXXX XXXX XXXX location as instructed over the phone by XXXX.
I also expressed that I did not feel safe coming back to the gym at that time due to the Pandemic and concerns about health and cleaning procedures.
I also spoke with XXXX to follow-up on my cancellation ; who tried to get me to stay and I said I wanted to cancel. Next, I received a call from XXXX, one of the XXXX XXXX XXXX and I explained my concern about the Pandemic/cleanliness procedures and that I did not feel safe coming back at this time and wanted to cancel my membership.
Months go by and I get notification from my credit card on file that XXXX XXXX was attempting to collect money from my account ; so I called XXXX XXXX and spoke to XXXX and XXXX again who asked me to submit another cancellation letter ; which I did.
Next, I get a notification over a year later from an Attorney saying they want me to pay a past due amount of {$190.00} to prevent further collection actions on behalf of XXXX XXXX.
I have done as asked by both XXXX and XXXX to cancel my membership with no further money being due and was still turned over to their collection company over a year after my cancellation ; almost 2 years.
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX in XXXX, TX fraudulently opened up an an account under my name without my knowledge.
My husband opened an account with my children in which a card is on file and autopay is set up. When the account was opened he asked me on a call if I would like to join and I declined.
The manager got my name during the process and opened up an account under my name separately to receive a commission for opening the account.
The new ownership of XXXX admitted to me and my husband that they can see there is no signature from me or paperwork that has my signature. The new owners also admitted this same situation has happened to several other customers.
The account was unpaid as I was unaware it had been opened. I have never used that facility at anytime or spoken to anyone prior to seeing the collection on my credit report.
Aldous and Associates has collected the debt and is reporting on my credit report.
I have spoken to the debt collector and XXXXXXXX XXXX XXXX about this issue. The manager has been unhelpful stating this happened under previous management and they have no knowledge. Aldous and Associates has said I need to file a report.
The manager at XXXX XXXX XXXX XXXX TX has not bothered to follow up with me.
I have a perfect payment history on my credit report. I attended a Spin facility in which I have automatic payments set up.
The account at XXXX was set up fraudulently under my name. I need help getting this removed as soon as possible. It is taking my credit score down XXXX points.
I am also contacting you to alert you that other customers at XXXX, XXXX have also had this happen to them.
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from a debt collector named aldous & associates that I owe XXXX USD to XXXX XXXX at XXXX XXXX for personal training. I requested more documentation about the debt since i have never been to this gym branch in my life and they sent me a contract that was signed by someone else in a day i wasnt even in the United states. i was on a family visit overseas. sent them a proof of my absence and highlighted the two different signatures they have against a signature of mine that was 2 years older at XXXX XXXX VA location. they still insist that is not enough evidence and they will still persue the debt collection process. I contacted the gym branch directly and they confirmed that i have never been to the gym before yet their collection agency is still trying to collect the debt and posted it to my credit report.
I have filed a police report as they requested and still wasnt enough for them to clear the debt. I filled a complaint with XXXX and their response to that was submitting a photo evidence claiming it was myself at the gym the day of the contract and apparently it is not a photo of myself. Done more investigation regarding the matter and found out the person in the photo they submitted belongs to another individual holding the same name as myself. I reached out to that person and he confirmed that he had ongoing issues with that gym and he is getting collection letters from same collection agency. I replied to that evidence with a photo of myself and called the agency with the other person file number on their system.
They just hang up the phone and not do anything regarding the matter.
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Earlier this year, a collection appeared on my report from Aldous and Associates for {$100.00}. Unaware of the source, I called the company inquiring about the source to which they informed me that the debt was from XXXX XXXX, a membership I had opened almost a year ago. I informed the collection agency that I cancelled my gym membership, to which they responded that according to XXXX I had not. I attempted to call the corporate office only to find out that they either do not have a direct line or it is extremely obscure. I continued to inform the collection agency that I cancelled my membership a month after my service there but they claimed the manner in which I cancelled it was not correct therefore nullifying my Cancellation. I then asked them to remove it from my credit report to which they responded that they had previously tried to reach me numerous times at an address I didnt even live at. The email they sent to me was never seen because it went straight to spam ( most likely because people report their emails as such ) With no way to reach youfit and no resolution with Aldous & Associates, I went ahead and paid the {$100.00}. Now the account has finally been zerod out but I have a collection on my report for 7 years that should not have been there in the first place. I feel railroaded and youfit has no number I can find to rectify this. Theyve taken money from me that I know I dont owe and now Im on a 7 year journey with this only report. Im not asking for my money back, Im simply asking for the collection report to be removed from my report before Im forced to take legal action.
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Today, XX/XX/2020, I received a letter from Aldous & Associates in XXXX, Utah dated XX/XX/2020. The letter stating that I owe XXXX XXXX a debt in the amount of {$84.00}. I called XXXX XXXX in XXXX XXXX, CT to inquire about the debt but reached a voice mail recording stating the mailbox was full.
Next I called Aldous & Associates ( XXXX XXXX ) and explained that I did not believe the debt associated with the account number indicated was in my name or bearing my signature. I stated I have never even received a bill from XXXX XXXX, How can it go to collections? I asked that verification of the debt be sent to me.I was told I was required to send the request in writing within 30 days, before any verification would be sent.
I called the Federal Trade Commission Consumer Finance Protection Bureau and was given information that Aldous & Associates had 5 days to mail a communication acknowledging my call and 30 days to send the requested proof of debt. I called Aldous & Assoc. back and told them what I had just been told and requested proof of debt again. I was denied and told I first had to send a letter. I explained I have been recovering from XXXX XXXX and healing from a XXXX XXXX and have trouble getting around. I asked if they had any accommodations for people with XXXX. " No ''. What about the Americans with Disabilities Act- Don't you have any provisions for the XXXX? " No '' I asked if I could email my request. " No '' I asked if they had a fax I could send it to. " No ''. I asked for the name of the person I was speaking with. " XXXX XXXX ''. ( Suspiciously generic name. )
|
| 07/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to express my concern regarding the conduct of Aldous & Associates, a collection agency that has been handling an account in my name. Despite my repeated attempts to address the matter and dispute the accuracy of the account, Aldous & Associates has failed to comply with applicable laws and has disregarded my rights as a consumer, and has committed multiple violations of the ( FDCPA ) and ( FCRA ).
Despite multiple disputes, I have received no written communication, ever, from Aldous and Associates regarding the debt prior to reporting to the CRAs, prior to the letter I received on XX/XX/XXXX, which is a clear violation of 15 U.S.C. 1692g ( a ) ( 1 ).
I have disputed the accuracy of the account both verbally and in writing, prior to receiving the aforementioned letter. Aldous & Associates has consistently failed to address or acknowledge my dispute, which is a direct violation of 15 U.S.C. 1692g ( b ). This disregard for my rights as a consumer and the agency 's duty to investigate the disputed account is unacceptable.
Noncompliance with Cease and Desist Request : On XX/XX/XXXX, I sent Aldous & Associates a formal letter stating my refusal to pay the debt and explicitly instructing the agency to cease all communications with me, as is my right under the FDCPA. However, the agency sent me a letter on XX/XX/XXXX attempting to collect the debt, completely disregarding my refusal to pay and my request to cease all communications. This clear violation of 15 U.S.C. 1692c ( c ) reflects a blatant disregard for the law and my rights as a consumer.
|
| 04/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2022 Aldous and Associates claimed to have sent me Validation of the alleged debt that I owe to XXXX XXXX. The bill that they sent me happens to be what is called VERIFICATION that they are collecting on an alleged debt that XXXX XXXX XXXX claims that I owe but it is not VALIDATION. I am attaching the debt validation to this complaint which details exactly what I am asking the company for. There is also a Cease and Desist attached to this complaint as well. Aldous and Associates continues to use extortionate means to collect an alleged extension of credit. The violator can face up to 20 years in prison, be fined or both. To avoid myself having to take legal action for such offense I advise Aldous and Associates to cease all collection activity including reporting of ; or verifying of this account on my credit reports. If the company chooses to not comply with my requests, I will have no other choice but to pursue legal action. I believe that XXXX XXXX XXXX is in charge of the operations of this company and will be seen as liable for his compliance in the use of deceptive means to extort money from uninformed consumers. Please take this matter seriously. My consumer file is a direct representation of my reputation and I take my reputation seriously. If the company claims to have the right to collect this debt from myself the consumer, please attach the trilateral contract in which I agreed to be party to the collection of an alleged debt by a third party. Your prompt response is both required and necessary.
this is in response to complaint XXXX
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
i recently applied for a mortgage but there were XXXX outstanding credit collection items both related an accident. I broke my arm due to slip on wet marble floor XXXX XXXX was taken the hospital by an ambulance company. The ambulance company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the hospital was less then XXXX blocks. Had I known i would have walked to the hospital myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees.
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private ambulance service company.
XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX Collection Agency # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX XXXX services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my arm was broken and was in a cast. They charged me for months of services despite i had asked them to stop charging.
i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees.
My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX
|
| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i received a voicemail for a " law firm '' representing XXXX XXXX. they left me a voicemail advising I contact them back regarding a personal matter. I called back and asked what this call was for. The collector never verified any information other than my name, MRD or mini Miranda. He told me I needed to give him my credit card or banking account information over the phone right now or he would report this {$150.00} bill to my credit report. I never even received a bill from XXXX, never received a phone call regarding a bill from XXXX directly. when I originally called and spoke to a woman manager at the XXXX XXXX XXXX she advised she would remove my cc off file and i wasn't under any contract. she personally removed my credit card in the system and I never returned to the gym. All of a sudden I'm getting these calls from a agency that I do not believe is right. I would of paid a {$20.00} month bill and canceled had I known they'd charge me {$150.00} after I spoke to a manager and explained I no longer wanted to be a member as I found another gym. I do no want any other threatening voicemails. I contacted XXXX XXXX and he told me to just email the corporate company and pay them if I want to. Had this manager explained the canceling process I would of went to the gym and canceled had I know they would charge me monthly even though I was not active at the gym. They never once sent me a letter or attempted to call me to reactive my account by getting a new credit card on file, due to a rep manually removing my credit card herself.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this debt. While doing my research I realize XXXX XXXX took over XXXX XXXX. When I joined XXXX XXXX in XXXX, it was a month to month deal with no contract. I canceled that deal in XX/XX/XXXX in person and in writing, I filled out some form & gave it to the receptionist/front person at the gym and I requested cancellation of my monthly withdrawals, she said I was good to go. Then after I cancelled in XX/XX/XXXX, I kept receiving emails asking me to join again, with discounted pricing ( emails attached ). In XX/XX/XXXX, I received an email from XXXX XXXX announcing XXXX XXXX was taking over, and I did not think anything of it, I thought it was another email to get to re-join. Then all communication stopped ; I received XXXX emails or communication from XXXX XXXX or now XXXX XXXX regarding any membership or anything due for the whole year of XXXX, until XX/XX/XXXX, which is when this collection debt was added to my credit report which I have disputed but Blink Fitness refuses to remove. I have contacted the debt collector, Aldous & Associates, several times via phone and/or email with no resolution. I demand this be removed from my credit report and I demand Aldous & Associates to stop any and all communication with me regarding this debt. I DO NOT OWE IT. Today, XX/XX/XXXX, I called Aldous & Associates & requested validation of this debt, I was not provided such proof. I offered my email and physical address for proof to be sent to me. Person answering the phones said she was not able to provide it to me.
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB I am writing to file a complaint against ALDOUS AND ASSOCIATES for their actions in attempting to collect a debt that I believe I do not owe. The debt collection agency has been contacting me repeatedly about a debt they claim I owe, but they have not provided any proof of the debt or of any contract or agreement that I supposedly entered into.
According to Title 15 of the United States Code, Section 1692g, debt collectors are required to provide consumers with certain information, including the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. Despite my repeated requests for this information, the debt collection agency has not provided me with any proof of the debt or of any contract or agreement that I supposedly entered into.
I believe that the debt collection agency 's actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which is designed to protect consumers from abusive and unfair debt collection practices. Specifically, the debt collection agency has engaged in harassing and misleading tactics in their attempts to collect a debt that they have not provided any proof of.
I am requesting that you investigate this matter and take appropriate action against the debt collection agency AS REQUIRED. I would also like the debt collection agency to cease all collection activity because they cant provide proof of the debt and of any contract or agreement that I supposedly entered into.
Thank you for your attention to this matter.
|
| 11/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
Aldous account number XXXX under XXXX I don't know who this company is what debt that they say I owe. Aldous never received written notification from me the consumer giving them permission to report on my credit. Without verification of this debt violates my rights as a consumer.
15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.
15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.
15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir or Madam.
I am writing this letter to recognize fraudulent activity has been taken against my XXXX Credit report. The activity comes directly from XXXX XXXX XXXX ( Rebranding to XXXX XXXX XXXX ) towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. This is for an account that has no record of me ever opening it or signing a contract agreeing to these terms.
When I was 16 years of age, I joined a family plan when the company was called XXXX XXXX, upon which my father paid a premium for a family plan. Up until now, that premium was still paid to ensure that a family plan would stay open.
According to XXXX as well my account on that family plan closed more than three years ago. I have not been in the use of their products or services for more than three years. And now I'm receiving collections for an account, that I have never signed up for, nor have I ever made use of.
I am formally submitting this report recognizing that there has been fraudulent activity from XXXX XXXX towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. The company has no right to have taken legal action against me for what they have done and have not presented me any proof of these things.
I want this fraudulent activity removed from my account and I want the continued fraudulent use of my Identification to come to an end.
Regards, XXXX XXXX
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Regarding : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX Aldous & Associates is posting a fraudulent account to my XXXX Credit report under different account numbers. On XX/XX/XXXX, XXXX validated the account as fraudulent and removed the Aldous Associates Collection Acct. for {$170.00}.
Unfortunately, Aldous & Associates resubmitted the debt again for collection to XXXX under a new account number. I contacted Aldous & Associates in writing with the written documentation from XXXX confirming the account as fraudulent and removed it from my credit report. Each time it's removed Aldous & Associates reports the same fraudulent account to XXXX under a new account number.
I was told by XXXX XXXX XXXX Aldous Associates that I need to have Aldous Associates dispute the collection account, which is not true. They are deliberately being uncooperative and XXXX. I was hung up on and my experience dealing with this company is hideous.
I joined XXXX XXXX in XXXX XXXX. A few days later following an emergency room visit, I learned that I needed to have emergency XXXX and could not participate as an active gym member due to my health. I went to XXXX XXXX and informed them of my health matter. I was told to contact XXXX 's XXXX office. Based on my medical documentation, I called XXXX 's Corporate office and was told that the contract could be XXXX.I also paid any outstanding costs. I have the medical records, if necessary. The truth is that XXXX XXXX sold XXXX XXXX a fraudulent account.
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection letter from Aldous & Associates regarding XXXX XXXX, on XX/XX/XXXX in the amount of {$290.00} offering a 50 % reduction if paid in full. I requested a validation. No validation sent and they then reported me for 3 separate accounts for {$630.00} to credit bureaus. I sent a CFPB complaint and received back 3 contracts, One was back from XXXX which does not have my signature which makes this contract NULL AND VOID. The other contract for {$160.00} was from XXXX which again does not have my signature the signature is literally a one line scribble, the 3rd contract XX/XX/XXXX was a month to month which was paid for two months and the gym closed due to covid XXXX- XX/XX/XXXX. XXXX sent an email stating due to the covid closure the accounts were frozen and no membership fees charged. I called and canceled in XXXX of XXXX after I saw that the kids club would remain closed and it was limited access on appointment only. They sent an online agreement when they reopened I never signed due to reasons just stated. the kids club remained closed which they still charged me for. At no point in time have they sent me a statement detailed as to which months I allegedly owe them for. Due to my calculations, the two contracts without my signature are null and void, the XX/XX/XXXX I paid for the two months they were open and due to closure and not fulfilling their portion of contract, my cancellation in XXXX should leave me at XXXX to pay the,. See attached documentation
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am currently in Collections with XXXX XXXX XXXX, XXXX. for {$130.00}. On XX/XX/XXXX I was given a gift of a gym membership at XXXX XXXX in XXXX, NJ by a former ex boyfriend, XXXX who lived in XXXX, NJ. The relationship ended because of XXXX XXXX, I live in XXXX XXXX, NY over 30 miles away from XXXX, NJ.
During the sign up process, I was told the contract would have to be under my name even though it was a gift and that my ex would be responsible to be the payment provider for the membership fees and monthly dues so we could workout together at this gym in his neighborhood while I stayed with him in NJ.
It was a very violent situation where I fled for my safety. When XXXX stopped making the payments, I got left with this debt and in collections. At the time I tried to resolve this with XXXX and I was given the run around and told in order to cancel my account I had to go in person but because of safety reasons and the distance that was not an option for me. XXXX and Aldous & Associates are not, and have not been willing to work with me to settle this.
After realizing that this was on my credit report and that it had never been resolved I reached out to Aldous & Associates on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I called to settle the debt and they were not willing to and I was told that there was no settlement option available for me and that is why I am filing this complaint against XXXX and Aldous & Associates.
I am hoping for a resolution.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2023 I signed up for XXXX XXXX via online platform which advised I could cancel my membership within 30 days with no penalty. I called XXXX on XX/XX/2023 XXXX XXXX XXXX and advised I would like to cancel my membership and was advised by the man who answered the line I would have to go online to Cancel.XXXX. I e-mailed as instructed and advised I would like to cancel my membership. I received a confirmation email on XX/XX/2023 XXXX XXXX XXXX form From : XXXX advising my membership has been canceled. I called XXXX again on XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX to confirm my membership was canceled and spoke with a young man named " XXXX '' which he could not pull up my account and advised my membership was canceled. On XX/XX/2023 I received a letter from Aldous and Associates that I owe XXXX {$7000.00} for canceling my membership and that I must pay this amount before or by XX/XX/2023. I went to XXXX on XX/XX/2023 at XXXX XXXX mountain time and asked if I could have my contracted printed out and spoke with 2 separate men who discussed my account and advised that they could not print out my actual contract. When I asked for their name, they refused to provide their names or manager names. I am disputing this bill as I canceled my membership within the time period. I did not receive any emails or letters from XXXX advising that I was in " default '' with them. The only notice I received was the letter and email from Aldous and Associates
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today, on XXXX I received an alert on my XXXX credit monitoring service, that a company called ALDOUS AND ASSOCIATES reported a collection on my credit file. The date of the aforementioned collection was reported on XX/XX/22, with the original creditor name of " XXXX XXXX XXXX XXXX '', for the amount of {XXXX}.
I have never been contacted by ALDOUS AND ASSOCIATES. Not by phone, email or mail. I did not receive a notice as to the debt in any form, the first time I became aware of this allege debt was to see it as a derogatory report on my credit file, today on XX/XX/22.
ALDOUS AND ASSOCIATES violated rule ( 15 U.S.C. 1692g ( a ) ) by reporting a derogatory collection to the credit bureaus without sending me a Debt Validation Notice.
Furthermore, The report that was filed is missing several key metrics that are required for a legitimate derogatory report to be valid.
Information missing from XXXX 's collection file : Amount Past Due : Not Reported Account Type : Not Reported Credit Limit : Not Reported Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Reported Payment Frequency : Not Reported The negative impact on my credit report due to this erroneous claim is significant. I am requesting that it be removed immediately, and that the creditor ALDOUS ASSOCIATES provide all required information to lawfully report this debt to the credit bureaus.
ALDOUS ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've filed complaints against the business about this debt, they didn't reply and it was turned over to the FTC. I also filed a complaint against the company trying to collect the debt originally, XXXX, who left voicemails telling me if I didn't pay they would hurt my credit and then sold the debt to someone else to collect now, who is saying if I don't pay it, it will be the same result.
I joined on a free trial, I used the gym one time at XXXX and told the front desk employee it wasn't for me and I needed to cancel. She replied that no one was there that could handle that right now but she would take my info and when they arrived they would " take care of it for me ''. There was no additional information about needing to come back in, or check back, or etc. So I considered it settled and went about my business.
3 months later the phone starts ringing about this membership I considered closed, pushing a ridiculous amount nearing {$400.00}.
I called Aldous & Associates and told them I deny the debt, explained the situation and offered to settle the debt for a reasonable amount. They refused, told me it was all or nothing and that I didn't have recourse if I disagree with what they are asking for.
The gym industry doesn't like to cancel people and its a running known situation some sit on cancels instead of doing them/communicating errors in process because overall they want collect dues.
I feel this whole process has been predatory.
|
| 10/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX ran by XXXX XXXX XXXX XXXX XXXX. Their website is XXXX. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear XXXX XXXX XXXX XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX.
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal.
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further.
I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to Aldous & Associates and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good day. In XXXX i paid an collection from XXXX XXXX dated XX/XX/2021, original balance was XXXX, it was paid in full & now the balance is listed as " XXXX '' paid in collections as negative status the amount & this was paid though aldous and associates. Hear me out, I am a young man trying to solidify my pursuit of happiness through stabilizing my credit because i understand the importance of it now. This XXXX XXXX account that should be closed and removed from my credit profile is stagnating my opportunities for me & my company, it has also interfered with my ability to obtain housing ( Because the collections is having a negative impact on my profile. Ive put in multiple disputes, The XXXX XXXX representatives were hardly any use, they basically in context told me that they couldn't do anything for me that i needed to contact the creditor. i contacted the creditor & they redirected me back to XXXX. At this point im begging for your help, I have a XXXX here with me in XXXX, New York. im working on my credit profile so i can take out a loan to assist with moving out of New York. Most of my friends were killed within the last 5 years, please this is vital to me.
You can also check my XXXX and XXXX reports. this same collections was removed from both reports, but for some reason its sticking on transunion it doesn't make sense ( once again i paid the full balance i didn't settle all the evidence is there on all reports )
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX-XXXX because there was an alleged debt being reported on my consumer reports. I sent the company a cease and desist and also a debt validation letter the company responded saying they have requested the documents from the original creditor. I received mail from the company a couple of days ago they sent me a membership agreement between me and blink fitness, Under the FDCPA this does not meet the requirements of validating a debt so I demand that this unvalidated debt be removed from my consumer reports immediately. Also pursuant to 15 USC 1692G as the original creditor only I can validate a debt and I do not validate this debt. I also found a couple of violations in the letter they sent me attached with the rental agreement which is a {$1000.00} per violation the alleged debt is for a {$130.00} it will cost you way more to keep trying to collect on this alleged debt than to remove it from my consumer reports and XXXX out the balance because I am a federally protected consumer and I know my rights and power I am prepared to go the distance if this issue is not resolved immediately. My next action if I dont get my desired outcome is to send an invoice for all the violations I found and also sue you in court for it and also for defamation of character my credit report is a reflection of my reputation and you are damaging it the ball is in your court now
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This illegal collection agency stayed in one of their responses they were going to treat their lack of prior notification required by regulation, F as a dispute, and they were going to mail that dispute information to an address on XXXX XXXX. I responded to their response and told them that was not my address. Apparently according to them thats where they sent the information anyway even though they were told that is not my address. Theyve already admitted they did not send the initial disclosure notice as required by the fdcpa and now theyre admitting theyre sending information to an address and it doesnt belong to me because theyve been told Im no longer at that address.. I have reached out to the individual that is now living there. If they receive anything from this company, it will be returned to them certified mail. She is then going to send me proof that its been returned.. once I receive that proof, I will give this company 45 days to remove their illegal collection from my credit file or Im going to sue them and Im going to use all of their responses here against them in court. They have been told multiple times the address they have on file does not belong to me. They have admitted to never sending an initial disclosure. They just dont care. Not only will I be suing them, but I will be suing their client as well. Ive already got 20 people that theyve done this to, were going to file a class action lawsuit.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of 2022 I cancelled my gym membership at XXXX XXXX fitness in XXXX, Texas. Their website said it was done so I assumed I was good to go. That same month I had gotten a new credit card because I lost my old one. This led to the card I had on file with the gym to be deactivated. Therefore, when I checked my account status on the gyms app the next month, it had said cancelled. Making me believe I was done with my membership officially. However, on XX/XX/2022 I got an email from a law company stating I owed club 4 {$220.00}. I called the gym to see how that could be and they told me it composed of me not paying for my membership and late fees for not paying. This made no sense to me and I explained my situation to them. The manager at the time said there was nothing I could do unless I had proof I went on the website and cancelled my membership all the way back in XXXX. How am I supposed to do that?? So I asked for the GMs email so I could hopefully try to work it out with him. I never got a response. If you look at their reviews their are many complaints about the gym and how it is a scam. Multiple other people have had to pay for not cancelling as well even though they did. Id be more inclined to pay it off and let it go if it wasnt {$220.00}. They are scammers and the GM will not even respond to you. They are very aware of what they are doing. And as of recently the debt majorly dropped my credit score.
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
At around XXXX I called Aldos and Associated debt agency to inquire about a current debt that was on my account. I spoke to a female and explained to her that I have no knowledge of this debt ( XXXX XXXX ) and I am unsure why is it in collection when I have a open and current active membership. I felt she was unable to explain to me so I asked if I could speak to a supervisor. The supervisor I spoken to was XXXX XXXX. I explained to him the same situation and he made comments " I cant track when you go to the gym " " it shows no payment since XXXX " " we don't keep trackers ''. I then explained to him again I understand if was there anyway I could get my debt reduce etc because its COVID we are in a pandemic and I couldn't afford to pay the full debt amount. He then stated he don't do settlements. I then asked could he email me stating that they don't do settlements and can I get a copy of this recording as I wanted to see the appropriate document in which stated that. ( I asked for this because I worked with this debt collector in the past in which they was able to do a payment plan with my account ). I was simply a citizen asking for professional help during this hard struggling time of the pandemic time of covid. The supervisor was dismissive, stated things that was untrue, and was not even open to helping me the best way he could. He hung up in my face and did not send me anything that I asked for.
|
| 12/12/2017 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX To Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15r U.S.C 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any completely deleted. The Following derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECTLY INCOMPLETE, UNTIMELY, NOT MINE NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT regulatory federal reporting laws and or standards and must be removed immediately the the infractions are as follows : Alleging creditor and account as is reported as having a late payment on my credit report, Aldous & Associates I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and perthe standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the requested proof.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX I received an alert about an account under the name of Aldous and Associates had been created under my credit report. On XXXX XXXX XXXX, I received an alert about a nonmedical collection of {$170.00} to XXXX XXXX XXXX.
However, under article 809 in the Fair Debt and Collections Act, it is written " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ''.
Prior to observing the alerts of a new account on my credit report under the name of Aldous and Associates, I received NO " initial communication '' regarding the debt, nor did I receive a " validation of debts '' regarding this collection. I did not receive ANY communication regarding this debt from Aldous and Associates, whether the communication was written, electronic, verbal, or any other possible form of communication. I have not yet received a validation of debt, nor notice of debt, nor information regarding my rights to dispute this debt, nor any other form of communication in regards to this case.
Therefore, I am writing this complaint in regards to the lack of communication from Aldous and Associates prior to creating and reporting the account to credit reporting agencies.
|
| 03/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing a complaint against ALDOUS and associate, I am aware they are currently gathering their " VALIDATIONS '' together to present to me although I know this is a stall tactic because they had two times prior to show what they had if they had it proof of validation. In addition, they are in violation pursuant to 15 USC 1692g ( b ), they are supposed to cease to collect and remove from report until further notice. They are causing damages by having a collection on my consumer report. Congress states Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. { 15 USC 1692g }. This is also considered identity theft and as a consumer I have privacy. I will be taking an additional action very soon. according to 15 USC 1692k ( a ) ( 2 ) ( A ) PAY ME {$1000.00} AND DELETE OR I WILL TAKE THIS FURTHER. I CANT OBTAIN ANY CREDIT BECAUSE OF THIS COLLECTION ON MY CONSUMER REPORT
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I just received a letter from XXXX XXXX XXXX about a Gym membership collection from XXXX XXXX XXXX in XXXXXXXX XXXXXXXX XXXX I had cancelled the gym membership with the company, and they continued to charge me for the gym membership.
XXXX XXXX XXXX XX/XX/2020, XXXX XXXX to XXXX XXXX, I wanted to cancel my membership as I am moving to XXXX, also I noticed I was charged XXXX for XXXX, can you explain that charge, and help me cancel my membership. Thanks!
-- XXXX XXXX XXXX Teacher | XXXX Coach " Relentlessly pursue your goals '' XXXX XXXX XXXX Wed, XX/XX/2020, XXXX XXXX to me Hey XXXX, The additional $ 40+ is the annual fee. It is a charge that everyone pays, two months after joining the gym.
As for the cancellation, I will pass your info off to the membership advisors to process. Generally, there is a 30-day cancellation policy if youre on the month to month agreement, so you may have to pay for one more month.
I hope you have safe travels, and thanks for checking out XXXX XXXX.
Regards, -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX My message a received from the employee, then they continued to charge me for the next few months when I had cancelled this membership. I had moved and was not going to use the gym after I signed up for a monthly membership. This debt is fraudulent, and should not be reflected on my credit!
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
|
| 02/16/2019 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Ref : Any/all accounts you have now and in the future This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have or receive in my name or social security # now and in the future and remove all negative marks your company added to my credit report. And if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply.
Your conduct thus far is unacceptable and borders on harassment.
Please be advised that the following apply to you.
Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, and remove all negative marks from credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt.
You are governed by this Act as a third party, debt collector or creditor attorney. All communication with me including phone calls to my home or business must stop immediately.
The only communication you may have with me is to provide proof that the accounts, have been removed and the negative comments have been removed from my credit report.
|
| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a membership at XXXX and cancelled during the peak of the pandemic in XXXX XXXX after cancelling the membership XXXX from XXXX called me and said my membership was NOT cancelled and I needed to cancel in person. This was during COVID and XXXX was closed due to the pandemic. They would not allow me to cancel via email of phone call. Then XXXX called me again and said that they would be charging the membership fees monthly even though the gym was closed and that i was also accumulating fees due to non payment, I reminded him of the global pandemic and he didn't really seem to think this was an issue. I asked where do i need to go in person to resolve this? XXXX didn't have an answer and just said they were going to continue to charge me. So I called my bank and said do not allow XXXX to take any money from my account and they stopped all charges. I didn't receive any more phone calls and then received a letter from Aldous and Assoc. on XX/XX/2022 who have been calling and threatening me regarding my credit and saying they were going to ding my good credit. They also would get angry and then hang up on me. I think XXXX are criminals and Aldous and Assoc are their Thugs and have been insufferable. i have read on the XXXX website i am not alone in this scheme of theirs to collect money during the pandemic My {$69.00} is now a {$1200.00} .... BIG Difference!!
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I called XXXX XXXX to understand why I had to pay debt to debt collector.
I had ended the memebership IN PERSON in XXXX of 2022, and had moved out of state and even changed my card, but the membership kept charging me!
I had now accrued over XXXX dollars in debt. there is NO place to cancel the membership ONLINE, over the phone with the gym or the billing ( third-party ) system that they use, and no I had received a few emaisl from the law firm Aldous and Associates that they are trying to collect debt with the amount listed and go after my credit.
I had attempted to cancel nearly XXXX times called and no one could point me in a direction. not to support, not to billing that can cancel memebrship, not online or over the phone, and it was physically impossible to cancel in person. I called the law firm and they couldnt even give me a receipt and now I realize I want all the money back becuase I find that this is a scam!
It has been nearly impossible to cancel my debt with this stupid gym and do not want it to affect my credit! I want to sue the gym for going after me wrongfully when I had been able to cancel a year ago, and to get all the funds that they had wrongly charged me for, and even gotten a law firm involved.
XXXX XXXX XXXX Even the employee I had talked to over the phone said " to be honest, this whole place is going down the drain .... ''
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After checking my credit, I noticed that there were 2 accounts in collections from ALDOUS- that do not belong to me. Both were opened on XX/XX/2023. I reached out the the phone number listed on the debt file and tried to gain insight on this account. Prior to reaching out to them, I reached out to XXXX XXXX ( original creditor ) asking what information was used to create these accounts. They verified that they DO NOT use social security numbers to open accounts. Only phone number, payment ( cash or card ) and email address. When I contacted ALDOUS, I first spoke with XXXX and provided this information to him. However, he hung on me. I called back asked the a guy to transfer me back to XXXX, he too, hung up on me. I called back and I spoke with XXXX, asking her to transfer me to a XXXX. Finally, I spoke with a rude, dismissive XXXX named XXXX. I explained to her the situation and she immediately let me know that this was an attempt to collect a debt, and mentioned that I needed to contact a lawyer and have him/her reach out to them in writing. She then hung up without ever giving me the time to further explain what was going on. According to the FCRA guidelines, ALDOUS is in violation on many accounts for reporting this debt on my credit, restricting communication and continuing to report this debt after I've informed them that this is fraudulent.
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have contacted Aldous and Associates due to a health club membership. I attempted to dispute the debt because the amounts stated that were owed appeared incorrect. I requested documentation of the account to show when account became delinquent along with an exact amount owed. This has not been provided. I have called several times and wrote letters, they are not responding to calls or letters and still are reporting. Aldous did send a letter on XX/XX/XXXX with page 1 of a 2 page document. I requested the entire document, to which the request was ignored and demand for payment has been made. I called XXXX XXXX at Aldous and I requested to speak with a manager regarding this account. On XX/XX/XXXX at XXXX I was placed on hold for over 24 minutes, at which time she hung up. The second time I called on XX/XX/XXXX at XXXX, I received XXXX XXXX who indicated that a supervisor will call me back with updates on the account. As of yet, I have not gotten a response. I have been a victim of identity theft and am unaware if this account has also been compromised, as there seems to be no trace of whats owed.
There appears to be no transparency in charges on the account. I have no idea what date the account became delinquent. I have requested records from XXXX XXXX XXXX and XXXX XXXX who sold the debt to Aldous, and they also have no record of this account.
|
| 10/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I've tried contacting the debt collection agency " Aldous & Associates '' multiple times. I made them aware of all violation codes ( 3 ) in which the gym had violated per California Health Studio Contract Laws voiding the contract which is putting me in " debt ''. They kept on disregarding my claims and saying I need to pay the debt, and it's already been sent to collections which will damage my credit. I then asked for proof of debt. The agent said I must send this request by mail in person. I notified him I'm temporarily XXXX & I've crashed my vehicle & to please give me a business email I can send and recieve all legal information and requests to. After so, he notified me its policy they only accept information by mail. Despite my XXXX. I noted to the agent the policy is unfair for XXXX persons living on their own & is simply a policy to pursue individuals to just accept the " debt '' & pay it. Apposed to going through the troubles of printing a letter, getting to the post office, & paying the fees to send said letters. Along with that, they gave out my personal information to an unverified person ( name, address, birthdate ). After notifying the agent of their own violation, they disconnected the call. I attempted to call back 3 times after. Only to be put on hold for extensive periods of time, then disconnected with no communication.
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Aldous & Associates contacted me via Letter XX/XX/2022 stating that they were attempting to collect a debt, telling me that i owe which is an allegation. The language they used was threatening and forceful stating they would report this negative account on my credit report causing adverse effects to my credit, this is a violation of 15 usc 1692 d stating they have no right to harass, or bully me into paying an alleged debt. They spoke of a contract but neither was provided for me because i never signed a contract with XXXX XXXX nor gave permission to report, furnish or collect anything in my name. Written instruction or permission is required to share my information with Aldous & Assoc Pursuant to 15 usc 1692c ( b ), which i never them permission to contact me in collection with any debt. Also, not only was there no initial communication before sending this letter Pursuant to 15 usc 1692 g ( a ) but the letter that was sent didn't disclose any of the required information about the Original Creditor required to even constitute debt collection Pursuant 15 usc 1692 g ( a ) 1-5. It is clear Aldous & Associates is in clear violation of the FDCPA and has violated my consumer protected rights. They are civilly liable up to {$1000.00} each violation Pursuant to 15 usc 1692 k & I will be expecting a check of {$4000.00} for all 4 Violations.
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance
|
| 02/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc.
They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX XXXX.
|
| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been contesting an incorrect debt in the amount of {$64.00} that was sent to a Collections Agency/Attorney 's Office ( Aldous and Associates Attorneys at Law of Holliday, UT XXXX. I have contested the debt with the original vendor ( XXXX XXXX in XXXX and XXXX of 2020, as well as XXXX of 2020 XXXX, and my credit card company XXXX XXXX XXXX XXXX contested the incorrect charge of {$22.00} XXXX XX/XX/2020 XXXX which was an auto payment for a membership service incorrectly and unfairly applied due to Covid shutdown ). I have filed complaints with the Colorado and Utah Attorney General 's Offices, as well as with the Utah Consumer Protection office. I have also filed an official collections refusal with the collections agency on XXXX XX/XX/XXXX. I have not been able to clear the incorrect debt ( there is no debt owed, the original company charged my card incorrectly for a monthly membership due during the Covid shutdown ). I receive calls from the Attorney 's office XXXX times per day, usually without a voicemail, they call at all hours, including weekends. The original company claiming the debt XXXX XXXX XXXX XXXX has not responded to any of my attempts to clear the incorrectly reported debt as it is " in the hands of collections now. '' I am requesting this incorrect debt be cleared to {$0.00} and the phone calls to end.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A debt collections company called Aldous & Associates, P.L.L.C. is attempting to collect a debt from my minor child, XXXX XXXX. Contact attempts are included in the attachments of this complaint.
According to XXXX, he visited XXXX, a local fitness facility located in XXXX, Texas, in XX/XX/2022 and asked for a 5-day trial period pass. The XXXX representative took his driver 's license and debit card. He believed he had a 5 pass and visited the facility less than a handful of times in XX/XX/2022.
Based on my research, it appears that the XXXX representative took his information and entered a minor child into a contract without his knowledge and without a parent or guardian present. The signature on the contract provided by the XXXX is not XXXX signature which leads me to believe that the XXXX representative also forged the documentation. A copy of this contract is included in the attached documents.
The XXXX sent him to collections. The Collections Agency ( Aldous & Associates ) will not speak to me to help resolve.
I have also tried to work through this issue directly with XXXX but can not get XXXX to respond to emails or talk to me in person. Example included in attached documents.
A fair resolution would be to cancel the debt that has been accrued on the account and cancel the fitness facility membership.
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United States XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt.
I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b.
You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ).
I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies.
2. Stop infringing on my intellectual property rights immediately.
3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt.
Failure to comply with consumer demands will result in litigation.
I do not consent to XXXX or any other means of automated verification.
|
| 06/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I opened a membership with XXXX XXXX XXXXXXXX of XXXX, in the XXXX TX, I used the facility once or twice and never returned. I continued to pay the membership until XXXX of XXXX, when I relocated to XXXX which is 50 miles away from their location. According to their contract, the membership can be canceled, if the member relocate 25 miles away from the gym. I mailed the cancellation form to the address stated on the agreement, however they did not cancel the membership. The account was sold to ALDOUS AND ASSOCIATES debt collection and in XX/XX/XXXX it was reported to XXXX which decreased my credit score by XXXX points. Ive disputed the debt with XXXX they did not remove it. The debt was reported a second time within the same year which resulted in another decreased of my credit score. On XX/XX/XXXX it was reported again as an opened account which resulted in another decreased of my credit score by XXXX points. The account should be canceled as requested back in XXXX of XXXX. The debt should be removed from XXXX immediately because ALDOUS AND ASSOCIATES, failed to include an account number with their reporting, they also violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act by reporting the debt multiple times and it should not be reported to any other credit bureaus.
|
| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm.
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I enrolled in a XXXX fitness program in the spring of 2023, I believe it would have been XXXX or XXXX. Someone in my life passed away causing me to move and I was no longer able to attend the gym and wished to cancel my membership. I contacted them multiple times to cancel my membership and they refused and continued to try to charge me. After my last attempt at communication they never responded. I assumed they canceled my membership as I was no longer getting charges for it from my bank. I found out today that they sold my debt to Aldous & Associates, I was not aware of a debt as I believed my membership to be cancelled and was never told otherwise. The debt is in the amount of of {$260.00}, which I am sure seems like a small amount but I simply do not have this money in my budget, my bills increased exponentially after I had to move due to loss. But I also don't believe I should have to pay this and that this is a result of Crunch fitness 's horrible customer service lack of empathy for its patrons, as I requested several times to cancel this membership. When I called A & A to dispute the debt as it says I can do on the letter, the woman on the phone told me that I had to write my dispute and it's the only way they'd accept it. Which I think is wrong as it says I can dispute it over the phone.
|
| 10/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I open a month to month membership with XXXX XXXX and after using it for a couple of months I chose to end my membership. Well months later I received calls and letters from aldous and associates stating I owe them {$300.00} for that month to month membership I tried contacting the gym and the gym would sent me back to aldous and associates. Eventually it got to the point where NOBODY was able to help the only thing left was to pay them because no one could take care of the matter. So now i was being forced to pay them an amount of money i didnt owe XXXX. I explained this to not only XXXX XXXX but also the collections agents but all the ever did for me was threatened me that if I didnt pay I was going to be sent to collections and that it would impact my credit score. So I started to make payments I could afford. Since I didnt pay their minimum ( {$100.00} per call with their agents ) I got put to collections on the credit bureaus causing my credit to drop by 35 points. I reached out once more to try to come up with a fair closing and all they did was tell me they couldnt do anything. This is by far the most unethical way to make money by XXXX XXXX and aldous and associates. Taking advantage of the power they have to break your credit score to force civilians to pay them what you DONT owe.
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
In the summer of XXXX I attempted to sign up with XXXX XXXX when they had a {$1.00} promotion but I did not follow through because I did not have enough documentation to complete the process. I then started receiving collection notices from Aldous & Associates PLLC for a {$130.00} balance due from XXXX XXXX under my name and another collection with a balance of {$87.00} under the name XXXX XXXX who I do not know. I do not agree with any of these collections because neither belong to me. On XX/XX/XXXX I sent a debt validation letter to Aldous & Associates PLLC requesting : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and For all other charges, the date of and basis for each charge. Which they failed to respond to. On XX/XX/XXXX I sent a second letter to Aldous & Associates PLLC informing them of their failure to validate the debt. They then responded with a letter stating they contacted the original creditor and they verified the debt. They mentioned sending me a valid copy of the original agreement which I did not receive. And also mentioned that my additional dispute information is not valid. ( all docs attached )
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Several years ago I joined XXXX XXXX in CA. When I joined I set up automatic payment with my bank. Approx. XX/XX/2022 I called and informed XXXX XXXX that I was moving to Indiana and wanted to cancel my membership. They took, my information, told me I was current with payments and that I was cancelled. I then called my bank and stopped the automatic payments. A few months later I was contacted by a XXXX XXXX agent who said I owed {$130.00}, I told them I cancelled my membership and was current when cancelled. They said they would check. I was then told I was okay. Heard nothing else for 6 months when the law firm of Aldous & Associates contacted me. I informed them in writing that I disputed the claim, and that I cancelled as described above. I asked them in writing for an explanation of the {$130.00} charge and all documents pertaining to the charge. I only received an illegible copy of a membership agreement that was unreadable. I again asked for an explanation of the charge and copies of legible documents. I was supplied with no other documents or information verifying what was owed. They reported the alleged debt to credit bureaus. Despite knowing that the debt was disputed, they provided no legible documents or information, after I had requested these same twice in writing.
|
| 06/12/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Aldous & Associates. I have circled the items I dispute on the attached copy of my credit report ( s ). This item XXXX rent payment is inaccurate because at the height of the Covid 19 Pandemic late XXXX when all businesses were ordered closed, citizens were told to avoid all contact or interaction with others, XXXX XXXX XXXX was closed for classes, only on-line education was allowed. I began suffering XXXX XXXX and was under therapy from accredited XXXX XXXX XXXX XXXX XXXX in XXXX and was not able to return to XXXX as advise by school authorities, the CDC as detailed in their mandates. This egregious and fraudulent charge from this firm stated hereto goes completely against The Individuals With Disabilities Education Act of 2004 ( IDEA ) I am requesting that XXXX have the item removed.
Enclosed are copies of Physcologist letter detailing treatment being adminiserde supporting my request.
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
|
| 06/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am disputing the above reference reported to XXXX, XXXX and XXXX credit bureaus agencies account in collection Please correct status required by the Fair Debt Collection Practice Act.
I dispute this accuracy because I did enroll in debit program with In-person payment made issued an amnesty payment of {$25.00} Aldous & Associates : notifications to representatives on my account, thus, having to extra time to pay the monthly payments due amounts in a timely matter to Aldous & Associates : It appears as Collection negative accounts on my credit report. I believe this business practice is reflecting the inability to obtain a financial position in the job market. Please remove from all three credit report agencies entirely.
I am disputing this day you record, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit Reporting Act.
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you.
Sincerely, XXXX XXXX
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my daughter moved out of her apartment at XXXX XXXX XXXX XX/XX/XXXX the company billed and withdrew the monthly rent amount from my bank account of {$470.00} for the month of XXXX even though it should have been prorated because the lease ended XX/XX/XXXX. The invoice attached states the billing period was for XX/XX/XXXX through XX/XX/XXXX. My daughter did move out on XX/XX/XXXX however it was after XXXX XXXX so the charged her {$150.00} holdover fee. I paid a full month rent and they have sent my account to collections. If I paid rent for the entire month of XXXX how am I being charged a holdover fee. The rent should have been prorated or the holdover fee should not apply. Myself and my daughter has tried to contact the office but it will only allow you to leave a message and they will not return our calls to discuss the matter. Today we received another notice dated XX/XX/XXXX request payment. I spoke with the collection agency and informed them that I disagreed with the amount owed. He stated that they did not deal in itemized billing and I would need to contact XXXX who I have attempted to contact 8 times since XX/XX/XXXX and have been unsuccessful. In addition they charged {$120.00} to paint a wall that had no damage they was only normal wear and tear.
|
| 03/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!
|
| 10/01/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The collection date was opened on XX/XX/XXXX, on a XXXX XXXX lease signed in XX/XX/XXXX. The collection amount is {$8800.00} by Aldous and Associates PLLC and this debt collection is very unforgiving due to unforeseen circumstances. I was ready to move into the apartment but I did not get the chance to because of the COVID-19 impact on the US in XX/XX/XXXX. I tried calling the apartment and negotiating with them to break the lease since I would not be able to move into the apartment due to the nationwide lockdown and the cancellation of in-person school. The apartment was uncooperative and did not give me an option to pay a fee to break the lease. I did not even move in or obtain the keys to the apartment but they still charged me the price as if I lived there for a full year. As a student, I was put in a difficult position and did not know what to do with this lease that I was not even able to live in because of the unexpected pandemic. I hope that there would be lease forgiveness just like there was student loan forgiveness because the past two years were tough on everyone. I would never have broken lease agreements or not paid off my apartment lease if the coronavirus did not prevent me and many others from attending school and living in student housing.
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ALDOUS & ASSOCIATES PLLC has admitted to receiving my cease & desist.
In my cease and desist & debt validation letter, it states that I am demanding the purchase agreement/forward flow agreement which lists the account they purchased and that list the terms and rights they have to the account.
For the sake of not wanting what I asked to get misconstrued again, I am demanding the following : -Audit trail -Forward flow agreement/Purchase agreement -Account ledger All documents must be certified by account manager.
A Copy of the Consumer credit transaction is not Sufficient to validate the alleged debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account.
Case Law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 According to Case Law, ALDOUS & ASSOCIATES PLLC has not sufficiently validated this alleged debt and has taken it upon themselves to further tarnish my reputation ( consumer report ).
A copy of a new Debt Validation letter has been attached, again, for your clarity of whats being asked of ALDOUS & ASSOCIATES PLLC.
You have seven ( 7 ) days to respond sufficiently.
THIS IS A FINAL ATTEMPT TO RECTIFY THIS ISSUE BEFORE LITIGATION.
|
| 10/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Gym location I joined closed permanently ( XXXX, NJ location ) in XXXX ; therefore, I cancelled my membership and put it in writing as instructed to do so by XXXX in Membership services and XXXX in Accounting. They moved XXXX memberships to XXXX XXXX location in XXXX and said they would freeze my membership and asked me to reconsider my cancellation.
I said I did not feel safe coming back to the gym due to the Pandemic and because I had family members who died from exposure XXXX in similar environments.
XXXX said he never got my cancellation letter that I hand delivered to the front desk and said to mail it ; which I did. Now he is saying he never received my cancellation letter from XXXX and that my membership was unfrozen in XXXX, XXXX without my knowledge or consent. I again reminded XXXX that I did as he instructed and cancelled my membership in writing-twice now. My membership was a joint membership and the other membership was cancelled with no issues. I feel as though I am being targeted and preyed upon for {$190.00} which according to XXXX at XXXX XXXX includes Attorney fees and other fees. I followed XXXX XXXX 's protocol for cancellation and they are still demanding that I pay fees for which I cancelled the membership a long time ago.
|
| 12/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently went on XXXX to check my credit and saw that there was a derogatory account listed. I was surprised and looked into it and saw that it was put there by a collection agency operating out of Texas called Aldous and Associates, with an address of XXXX XXXX XXXX, XXXX, UT, XXXX and telephone number XXXX I called up the company to find out what was going on, at which point XXXX the agent, was very rude and only interested in a payment. He told me that they would continue to put the derogatory payment on my account unless I paid the {$100.00} owing. I tried to explain to him that the debt was not valid and moreover, the Fair Trading Practices Act clearly states that a debt collector must send a consumer a written notice containing certain enumerated information about the debt and state that I have 30 days after receipt of such notice to dispute the validity of the debt or any portion thereof. No such letter was sent out to me and so I had no idea about this so called debt, so I was not able to validate the debt, which is ruining my credit. He hang on the phone on me because I told him that I was not going to pay the so called debt. This failure on their part violates my rights afforded by the statue and also the fair debt collection practices act.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a gym membership account from XXXX XXXXXXXX in collections with Aldous and Associates on my XXXX credit report that I never opened. I have never been inside of any XXXX XXXXXXXX location and I most certainly never signed any contracts with them. I had a former XXXX 's XXXX membership which I ceased using in XXXX. The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX moved to a new location in XXXX which I never visited. In XXXX they filed XXXX XXXX bankruptcy and the court ordered liquidation of all of their assets. I then began getting debit card charges from XXXX XXXXXXXX operating out of the former XXXX XXXX XXXX location that I never stepped foot in. I called XXXX XXXXXXXX to have the debits stopped but was hung up on several times. I eventually closed my bank account they were using to collect payment. XXXX XXXXXXXX now claims I owe them {$200.00} and has reported this on my credit report. I have never been in their gym and refuse to pay for something that will be on my credit report for seven years, especially since I've already paid several months before I closed my bank account. I do not believe I legally owe them any money since I never verbally or in writing made any such agreement with XXXX XXXXXXXX or Aldous and Associates.
|
| 09/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XX/XX/2022, approximately one year ago, my wallet was stolen during the process of my relocation. Upon discovering unauthorized charges on my bank account and receiving payment notifications to my email address, I promptly took action by sending multiple letters to XXXX XXXX XXXX XXXX Mail. These letters were intended to inform XXXX XXXX that I had no affiliation with their organization. To support my claims, I attached an FTC and police report, as well as various forms of identification, to each correspondence. Regrettably, XXXX XXXX did not acknowledge or respond to any of my letters. Instead, they allowed the debt to accumulate and subsequently forwarded it to a collections agency. When I attempted to resolve the issue by contacting their customer service, I was informed that no assistance could be provided over the phone. I followed their instructions by sending a detailed letter to their address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, explaining the situation. Moreover, I obtained notarization for this letter, yet I never received any form of response from XXXX XXXX. It is crucial to emphasize that I am not accountable for this debt, and I refuse to assume financial responsibility for something that I did not initiate.
|
| 08/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2022, I received a notification on my credit report that a derogatory remark had been placed by Aldous and Associates P.L.L.C. I have never received any form of written communication either via email or letter from this company about a balance/debt, let alone a chance to dispute such a debt. I received spam robocalls from the company number out of Utah. When I answered it was an an automated robocaller. Any voicemail I had ever received was just an automated phone number. No voicemail ever disclosed I had a debt to settle or an urgent matter at hand. I called the company-who still has not given me my account number. I explained the situation and they refuse to remove the derogatory remark on my credit even though I physically never received any written correspondence or verbal correspondence for that matter. I was willing to pay off a balance of {$76.00} that I had no idea existed but seeing my situation I requested the comment be taken off my credit report. When I asked to speak to someone higher I was told that was not possible by XXXX XXXX. I asked to leave a message and he then hung up on me. So I am still without an account number and unable to pay off this balance that I had no awareness of until today when my credit report flagged.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I obtained my consumer report and saw inaccurate and illegal information being reported and Pursuant to section 15 usc 1681a under the exclusion section number B states that anything extended or authurized from a credit card should be excluded from a credit report. According to definitions section 15 usc 1602 ( i ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.This is meaning a credit card from a bank of any form is not allowed on my consumer report and in fact they are illegally reporting information to my consumer report. This information can not be verified or accurate unless the company interviews with neighbors, friends, or associates but however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, according to section ( e ) of 1681a definitions. I am in disbelief of this matter and my ability to obtain credit has been hurt because this company has not followed the laws that has been set in place.
|
| 01/12/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
In XXXX of XXXX, I received a letter from a company labeled as XXXX XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates, but the number was disconnected.
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Financial ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before.
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX.
Got an email from Aldous & Associates PLLC ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections.
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX ( XXXX ) to cancel the account / erroneous charges.
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX XXXX XXXX to send my info to Debt Collections trying to ruin my credit.
|
| 10/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from Aldous & Associates in the mail XX/XX/2023 about a debt being owed to a XXXXXXXX XXXX theyre trying to receive a payment of {$570.00} Ive proceeded to call the collection agency to see what this was about because Id never heard, contacted, or signed anything pertaining to this company when I spoke to the representative she stated if this was deemed to be fraud then to contact the police department or file a identity theft report. I choice to report it to identify theft which i have a reference number to that since then Ive looked through all my accounts and noticed on my XXXX XXXX account a attempted charge of XXXX on XX/XX/2023 at XXXX I immediately deactivated my account. I then call back the collection company Aldous Associate to file a dispute with them which I was told I could not do a dispute over the phone but to write a letter to them, before I could send my letter off it was placed in collections even after me speaking to XXXX of there associate about any deadline dates I needed to have the letter in by, I was told there was no time frame. I tried to follow up my dispute through XXXX XXXX but they are stating everything to be accurate which is false and they should be very aware of that.
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Reached out to Aldous and Associates, refused to negotiate the payoff on the debt stated that XXXX XXXX does not allow them to negotiate the debt. I had a XXXX XXXX account in which i had never used. XXXX collected over XXXX months of payments in which i never used thier services. I tried canceling the membership as i moved out of New Jersey, XXXX to XXXX NC. I moved to XXXX NC in XX/XX/2020 and informed XXXX in XXXX in which they refused to cancel the membership. There are NO XXXX XXXX in XXXX NC, when i tried cancelling the representative stated that i had to physically go back into the XXXX in XXXX NJ to cancel a membership that i would never use again. This is automatically placed me in a collection status because XXXX continued to collect on my membership although i had no physical way of utilizing their facilities or cancelling the membership. I would like this debt removed from my credit report as well as explore a class action lawsuit against XXXX XXXX for false advertisement. They stated that i can cancel at anytime with no contract, but they failed to inform me that i can not cancel easily. This need to me resolved quickly as this is preventing me from performing my job as a mortgage originator.
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi. XXXX Gyms is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match.
I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt.
When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both.
Today I received an email from Aldous & Associates, P.L.L.C. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XXXX XXXX XXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I highly suggest you have your attorney, read this complaint, and then the laws attached. Because it doesnt matter if I owe it or not, and I dont. You had no legal authority to place it on my credit because you never notified me ahead of time, I think with you, XXXX and yes, I said XXXX Keep missing is that you have no legal authority to place it on my credit report because you failed to notify me ahead of time. I have proof that you did not notify me about this debt prior to placing it on my CBR.
Whatever unaided, educated individual is responding to these might want to talk to the attorney. Im going to give you the proper laws again and remember I have proof that youve not notified me. Because the individual that lives at that address is willing to testify they have returned at least three letters and the last one they did by certified mail.
Pay special attention to validation notices, and debt parking written notice required XXXX ( a ) ( 1 ). Section XXXX ( a ) ( 1 ) ( ii ) That section says if you receive a notice undeliverability you must NOT furnish information about the report to a consumer reporting agency until you satisfy XXXX ( a Thats actually pretty simple and very clear.
|
| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a member of XXXX gym which was located 4 miles from my home before the pandemic. Once the gyms were allowed to open after covid. XXXX opened for a few months then closed all of its locations in XXXX without notice. I called the location in XXXX Fl. and was told that my membership would be cancel since there is no gyms in my area. In XXXX of 2021 I started being charge by a gym name XXXX XXXX located in 22 miles from my home. When I called I was told that my information was sold to them and, but I could cancel at anytime. I told them that I wanted to cancel since I never sign up for their services. The membership was never cancelled. They continue to charge me even after I call the gym many times. I finally call my bank and cancel my debt card. Then I started receiving phone calls about late payments which I told them I never sign up for this gym. I have never been to a XXXX XXXX. XXXX nor XXXX XXXX doesn't have a customer service number or email. So beyond calling the gym there is no one to contact about this. I have now receive a letter in the mail from Aldous and Associates stating I own an amount for {$180.00}. I do not own them anything because I never sign up for this gym.
|
| 04/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am writing to dispute an item on my credit report that contains inaccurate information. I've explained to representatives at the Company several times that this is not my debt and that I'm not affiliated with the primary account holder listed on this debt. I requested debt validation from the Company.
I received two documents. ( 1 ) A statement with some else 's name on it. ( 2 ) A document with my name E-signed as a cosigner including IP address. The signature is not mine or wet. The IP dress is able to be looked up as belonging to someone in XXXX XXXX, LA. ( I've never lived in XXXX XXXX ).
This should be removed from my credit report because : 1. The signature on the account does not match my true signature.
2. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to be licensed or registered in the states where they collect debts. This collector is NOT licensed in the state of Louisiana to collect.
I can verify my signature with a license. I will not provide my license to the Company. It is the burden of the collector to prove this debt is mine, in which they have not done. They're not legally allowed to do business in my state.
XXXX
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX has been using deceptive tactics to force me to pay for months of gym memberships after I have tried to canceled with them.
While living in XXXX XXXX XXXX for the summer I signed up for their initial monthly membership for {$15.00} a month. I paid for the first three months while I was going there. As I finished my internship in the city I spoke with the local gym staff and they assured me I could cancel online or over the phone. So when I moved back to my home town after my summer internship I called their member number and explained I needed to cancel my membership.
Their phone representative said that the gym staff was mistaken and the only option I had was to visit the gym in person to cancel the membership. I explained I did not have the ability to fly back from the midwest to XXXX XXXX to cancel a gym membership fee. I asked told him again to cancel my account.
I have now been contacted by : Aldous and Associates, PLLC XXXX. XXXX XXXX XXXX, UT XXXX saying that I owe hundreds of dollars in fees and late assessments.
I would have canceled the membership during my last day at the gym, but their staff told me I could handle it over the phone! Please Help!
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This office has obtained a retail installment contract and disclosure statement under the terms of a company that is closed, Aldous and associates is attempting to collect a debt in the state of Louisiana whereas it is required to obtain a license to collect a debt in this state, any individual collector at an attorney office that is not licensed in the state of Louisiana is required to be registered under this law. I have not consented nor have I done business with this company legally. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with Aldous and Associates, equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable. I do not validate this debt. This attorney office is only licensed in Arizona, California, Connecticut, Idaho, Maryland, Massachusetts, and Nevada.
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Aldous & Associates are representing XXXX XXXX for a debt they claim I owe from XX/XX/XXXX. I cancelled my membership by calling the store in XXXX of XXXX and so should not have been charged the XXXX billing. I never received a phone call, e-mail or written letter from the legal firm and only found out about the debt being charged when applying for a home loan. I called Aldous & Associates and they did not give me enough information and refused to explain policy. They shared they tried to contact me and when they shared the information they had on file, the phone number and the e-mail was not correct, therefore, I never received any notice. They did not share details of my account and did not offer to send me a verification letter. They pressured me to just pay and kept hanging up the phone on me if I kept asking questions and not paying. I paid the debt but now realize that I shouldnt have and should have disputed it and will. Today is XX/XX/XXXX. I found out about the debt today. They sent it to my credit report on XX/XX/XXXX. The XXXX account charge was from XX/XX/XXXX when COVID hit. I cancelled my account with XXXX in XX/XX/XXXX so should not have been charged.
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Aldous & Associates are representing XXXX XXXX for a debt they claim I owe from XX/XX/XXXX. I cancelled my membership by calling the store in XXXX of XXXX and so should not have been charged the XXXX billing. I never received a phone call, e-mail or written letter from the legal firm and only found out about the debt being charged when applying for a home loan. I called Aldous & Associates and they did not give me enough information and refused to explain policy. They shared they tried to contact me and when they shared the information they had on file, the phone number and the e-mail was not correct, therefore, I never received any notice. They did not share details of my account and did not offer to send me a verification letter. They pressured me to just pay and kept hanging up the phone on me if I kept asking questions and not paying. I paid the debt but now realize that I shouldnt have and should have disputed it and will. Today is XX/XX/XXXX. I found out about the debt today. They sent it to my credit report on XX/XX/XXXX. The XXXX account charge was from XX/XX/XXXX when COVID hit. I cancelled my account with XXXX in XX/XX/XXXX so should not have been charged.
|
| 04/10/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
case # XXXX - XXXX was closed after the response from the company stating " Your dispute was received and the debt was validated by the original creditor. If you have proof of cancellation or payment, please send it to our office '' This response has nothing to do with the Affidavit of truth that was sent out on XX/XX/2021 that wasn't responded to correctly and had nothing to do with the validation of debt.
An affidavit unrebutted stands as Truth.
Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true '' A notice of Default and Opportunity to Cure was sent out on XX/XX/2021.
You do not have the right to dictate the law.
|
| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The branch I dealt with in XXXX and recently was this branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I quote and wrote XXXX XXXX and the XXXX. I have also spoken to the debt collector and there is nothing on credit report as of yet...
" I sent emails with letters to verify and they never responded.
Attached you will find a cancellation letter from XXXX.
I am disputing it with the credit agencies, the FTC, and the XXXX. I am willing to let the debt sit since I have good credit anyway and it really won't affect my credit very much and continue to dispute it or settle it in small claims court due to principal.
I am very unhappy with the services when all I was trying to do was change the membership I was told I needed to cancel and re-open. None of your representatives were able to do that. It caused so much frustration I decided to just cancel all together and they still did not do this right. The reps name was XXXX and she was extremely unprofessional and lacked the knowledge to cancel my membership correctly. Now it is in collections and I've sent them the cancellation letter. Please train your staff to do their job. I should not owe any debt. ''
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
|
I have applied for a new mortgage. XXXX Credit report indicated I was sent to collections for a {$100.00} bill from XXXX XXXX in XXXX XXXX, NC. I have statement from manager of this organization that this account was PAID in FULL and in GOOD STANDING. Report is on my account as ALDOUS XXXX XXXXXXXX assured me he contacted their legal team and they would correct the issue. The only thing their legal team did was to indicate the account was CLOSED. They did not remove the faulty COLLECTIONS report. This has led to a Lowe credit score which led to a higher interest rate which over the course of the loan will cost me tens of thousands of dollars. XXXX directed me to contact you.
The following is copied from the email from the manager of XXXX XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX XXXX, Thank you for reaching out. I'm showing you had a family add-on 15 month PAID IN FULL membership back in XX/XX/XXXX. It looks like it rolled to a month-to-month renewal afterwards. I reached out the our billing services company and let them know to remove you from collections in good standing. Let me know if you have any other questions.
Thank you!
-Original Message- From : XXXX
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I prepaid for a XXXX year membership at XXXX XXXX in XXXX XXXX, Indiana. It was for {$400.00} on XX/XX/2021 on my XXXXXXXX XXXX. I have the bill showing it was paid. Now I get a bill saying I owe money. I've called Aldous and associates who are trying to collect this @ XXXX. They have no information for me and referred me to XXXX. I called XXXX and they said it was sent to debt collection. I asked to speak to a XXXX and they said they can't help me. I was recently hit by the XXXX, In tornado and have been trying to rebuild. My phone was recently replaced but don't recall seeing anything from XXXX about collection.
I checked at the front desk multiple times verifying when my membership was ending. Due to overcrowding of the equipment and people and with how many times things within XXXX was shutdown for repair I decided to go someplace else. Multiple times the movie room was down, pool down, equipment down, tanning down, b- Ball goal bent and nets not replaced, ect... This was a constant issue over past year. I voiced my concerns multiple times as well did others I knew.
I don't know why I'm being charged. My debt was paid in full when I signed up.
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company has already admitted multiple times that they never provided prior notification of a debt. Regulation F requires ( XXXX. ) No such notification was ever received.. regulation of debt collector notification required. Without that notice, they have a violated the FDCPA and placing anything on my credit. They dont get to just treat it like a dispute. Especially since they have already admitted to NEVER sending out the validation notice.
A debt collector, who fails to comply with any provision of the FDCPA or regulation, F is liable for any actual damages, the stand as a result of that failure. ( 8 15 USC 7001 ( c ) This companies failure to do so, has already damaged my credit. Not only that it made it impossible for me to get the XXXX. I needed to save my dogs life. Even my sis is removed. I will not recoup the points that they have stolen from me.. I have contacted an attorney and will be suing not only them but theyre client. Im filing complaints with the federal trade commission and my attorney general. This illegal collection agency now owes me {$5000.00}. Keep admitting guys that you never provided the initial notice.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me.
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I disputed a debt from a collection agency Aldous & Associates ; They keep trying to collect a debt I do not owe, they sent me paperwork from my gym with some scribble and said I owed this debt.. I contacted the original creditor XXXX XXXX and as far as I know the problem was fixed. I think a gym staff scribbled my name on a contract, I told Aldous & Assoc numerous time via phone that I would not pay this false debt. Their customer service person was rude and yelled at me to pay my debts. I mage a complaint with the XXXX and the FTC and Utah state atty gen office. no matter what I responded to them through the XXXX they will not accept anything else but for me to pay. I notice they have numerous complaints with the XXXX about Aldous & Assoc with similar circumstances. Now they have sent my debt to the credit reporting bureaus which has damaged my credit score. I have found through XXXX there a several legal agencies that specialize in cases against Aldous & Assoc. I have documents i attaching from the XXXX. Utah atty gen office and XXXX XXXX my current bill which I have XXXX balance and in good standing with them.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Company name XXXX XXXX I have changed cards ( got reissue ) and didn't know for months that XXXX XXXX wasn't getting their payment from me. I have for the second time instead of an email, phone call, payment missed letter gotten a letter months later after multiple missed payments the first contact of any kind by XXXX XXXX in the form of an aggressive unethical notice from ALDOUS & ASSOCIATES law firm.
This appears to be highly irregular, and incredibly unethical bad business. I pay my all my bills on time. This is the wrong way to do business and CFPB needs to hold XXXXXXXX XXXX and other corporations accountable for their practices. Please help as I know this is likely happening to other customers that could be having a much worse outcome than me.
The only thing I want is to make sure that this is never on my credit report and that this company be held to fix any reporting on my credit report for me as I have had this exact thing happen now for the second time. Businesses should be fined and regulated in this area.
Hope you guys can help all those affected by these bad practices. Thank you for your time.
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After multiple attempts to resolve an issue with a gym membership, my information was sold to Aldous and associates have stated I owe a balance and have not contracted with this company.
Aldous and associates have obtained my personal information from a company without consent of the consumer in order to sell personal private information in order to ruin my financial reputation. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.
|
| 12/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
ALDOUS AND ASSOCIATES has violated Federal Law committing fraud and defamation. This company alleged I owe a debt and is trying to collect this alleged debt by furnishing deceptive forms as pursuant to 15 USC 1692j ( a ) to coerce me I to paying this alleged debt owed. furthermore this company is not licensed, Authorized, or Registered to do business in Arizona.
Proof annexed in attachment labeled as Exhibit " A ''.
15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and the sharing of my non public personal information with non affiliated third party consumer reporting companies which has caused injury to my character, reputation, credit worthiness, credit standing, and my right to extend credit which is a violation of 15 USC 1681. Proof annexed in attachment labeled as Exhibit " B '' * Exhibit " A '' is a copy of the list of states ALDOUS AND ASSOCIATES is licensed/Registered to operate in which does NOT show Arizona * Exhibit " B ' is a copy of consumer report ( s ) in which ALDOUS AND ASSOCIATES has furnished this information on my consumer report
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Aldous & Associates, P.L.L.C. is lying about not reporting to the credit bureaus when they already have.
I called and asked about settling when their client earlier offered me a settlement offer when I was hurt badly from an accident I wasn't at fault for.
They refused to do anything settlement wise and hung up on me when I reminded them they were not the debt owners and I would attempt to negotiate with the original creditor due to their practices.
I attached the proof of them reporting in XXXX and lying and said they haven't XX/XX/XXXX.
They also lied about the frequency of emails when they told me they tried numerous times to reach out. I received 1 prior email ( proof of that is also attached. ) I was hurt and am finishing settling a car accident insurance case, I'm doing the best I can and I don't appreciate being lied to when making an effort to make efforts to settle due to my XXXX.
I am also attatching proof of me attempting to work out a repayment plan with the original creditor today for a settlement price higher then the one offered in XXXX due to the circumstances.
|
| 02/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This complaint is in reference to a paid collection. In XX/XX/XXXX a collection for the amount of {$110.00} was placed on my credit report by ALDOUS, however I was not aware of this. As soon as I became aware of this the debt was paid in XX/XX/XXXX. I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was unfortunately unable to do so.
The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ).
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE.
Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
I am kindly requesting the collection consider removing this collection from my credit report.
|
| 04/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter claiming that I owe {$350.00} from Aldous & Associates P.L.L.C. on behalf of XXXX XXXX XXXX. I found out that XXXX XXXX XXXX is a business that is associated with XXXX XXXX. I called XXXX XXXX, and the company said that I didn't owe them anything. I had gone by the XXXX XXXX store in XXXX and cancelled out my service. At that time, I made all payments that were owed including paying off a Hum, the cancellation fee on my cellular phone, and paying off a tablet on the account. Suspiciously, after not receiving any bills in the last 2 years, I received a letter from Aldous & Associates P. L. L. C. in early XXXX. Perhaps, payment records were lost due to Covid-19. We went by the XXXX XXXX store and talked to XXXX on XX/XX/XXXX. She said that due to the age of the account that she did not see any record of the account. She said that the letter looked suspicious because XXXX has their own collections department and typically does not use attorneys to collect their bills. She said that the account number did not look like the traditional XXXX account numbers either.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX years or XXXX year back I saw " XXXX XXXX '' was charging my credit card. I called the ph # that was provided and got no response from them. I tried to call them, my bank tried to call them when they started charging monthly amounts but they never communicated or confirmed with me as their member.. My bank cancelled the payments that was taken from my credit card account after verifying the details..
I received a letter few days back dated XXXX XXXX saying I am delinquent to an unknown XXXX XXXX " XXXX XXXX '' ... I called the Debt collector " Aldous & Associates, P.L.L.C '' in XXXX I never used XXXX XXXX facilities or signed any contract. I asked them to send me the evidence that I used their facilities but instead of giving me chance to prove what they're saying is absurd they asked me to contact someone to get that information which I feel some kind of cheating in my view.. It was them ( Debt collector ) who sent me letter on delinquency on an unknown XXXX XXXX.. If I used their service then they ( XXXX XXXX ) should have contacted me but no one called me till now..
|
| 02/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I tried calling the collection agency to explain that this matter was resolved with the gym and asked them to check on their end for what I know is a clerical error. This company employs abusive collection tactics over the phone. I spoke with an agent that called themselves " XXXX XXXX '' over the phone. They would not confirm the spelling or give me and employee identification number to identify them when asked. I was repeatedly interrupted while explaining my situations and asked " will you be paying by credit or debit '' and there was no indication of trying to listen. Luckily for me, my gym is amazing and will get the account fixed on their end hopefully soon. However, this abusive company needs to be called out. Also, my wife initially called and had me call back from work, and the agent, after explaining everything on the account to me said " I believe this is the wife. '' This was either an extremely rude comment or an admission that they illegally gave out my information to someone unauthorized on the account. Extremely rude and extremely unprofessional practices.
|
| 01/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.
|
| 02/10/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
1. Company ( XXXX XXXX XXXX ) charging that moneys are owed for services from 2018 membership after I told their staff that I would not be returning due to illness problems.
2. Lawyers ( Aldous & Associates ) representing Company ( XXXX XXXX XXXX ) sent me a letter which i returned a letter disputing the charges owed which I disputed back in XXXX 2018 and they never responded to my letter request.
3. Being harassed by weekly and sometimes daily phone messages.
4. The amount their trying to collect represents a $ 10/month membership charge and I believe a $ 50 yearly fee which I never used their facility after cancelling my membership at their front desk. This was the only way I new how to cancel a membership as there is no written or verbal information give to me on how to cancel a membership.
5. It appears to me like extortion on a XXXX citizen. They put a derogatory charge on my credit report but I'm not giving in to their ways and I'm hoping that your agency can put an end to this ongoing problem. Its not the money as much as the way they do business.
Thank you
|
| 06/03/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Opened a gym membership contract for 12 months. Was contacted by Aldous and Associates who stated I owed somewhere in the amount of XXXX $ for being in breach of contract. Sent certified mail of bank statements proving 12 transactions of XXXX, confirming my fulfillment of the contracted agreement. Also provided my written and signed statement. Contacted XXXX XXXX XXXX many times, can prove with phone records in attempts to cancel the contract early but was told I had to complete the 12 month contract. There was no early termination agreement set in place.
This is devious and and mis representing if the company does not stand by a XXXX month agreement. If you call any XXXX XXXX XXXX, they tell you over the phone the contracts are a one year only. My wife has called XXXX nh and XXXX nh locations to confirm this. If they have hidden clauses then that are Mis representing their contracts and clientele are misinformed as to what they are actually signing.
XXXX XXXX XXXX also never sent me mail of this debt I owed. Instead they went straight to a collection agency.
|
| 12/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Albous & Associates P.L.L.C is contacting me even by emails saying that I owe XXXX XXXX XXXX {$190.00} according to contract. I already canceled my membership with XXXX XXXX XXXX and still get emails from them saying my membership is still active. Before I joined on a contract I told them I was not interested they continued to keep calling me asking me to sign a contract I finally had to go in and sign a contract. After I sign the contract the calls stopped but I never went in the establishment or used the equipment. The calls started again when a payment did not go through as they were overdrafting my bank account without permission. I had to close the card and everything. They kept calling me saying I owe Maintance and cleaning fees? For what? Why? I never went to the gym. I never used the equipment. I never broke anything as I did not use anything at the business. I never even bought any drinks from vending machines or use locker rooms. So how do I owe any fees for something I did not use? Why should I pay for damage or cleaning for someone else?
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
During the summer months of 2020, my identity was stolen and my personal information was compromised online and in the local area when someone attempted to move into an apartment complex using my credit and social, which is why there is an extended fraud alert on all my accounts, that and mainly because of the time this same thing occured only it was at XXXX XXXX to purchase cellular devices and not pay on them using my identity and just recently online when my other roommate went to create accounts and order things under my name and even two new credit cards which is another thing. XXXX XXXX XXXX XXXX isn't rightfully mines as I currently do not and never had possession of any of the items listed under the purchase but was instead picked up by an old coworker and stolen by his sister, and was essentially coerced into this contract I initially did not approve of or realize this would be the results, there is an active police investigation going on due to these discrepancies, I hope this is resolved expeditiously and with careful consideration.
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was reported to the Aldous & Associates for collection of a debt for 2 gym membership accounts. The name of the gym is XXXX XXXX. On XX/XX/20 I went into the gym and spoke with the General Manager named XXXX and satisfied BOTH accounts. I also rejoined the gym and got a new membership. XXXX stated he was going to email Aldous & Associates the same day to inform them the accounts were satisfied. The next day I called Aldous & Associates and spoke to a very rude man who stated he was not going to remove these accounts and he does not care what the General Manager at the gym says. He said he made his final stance and will not change his mind and the accounts will remain on my credit reports until I pay them ( Aldous ) the FULL balance and hung up the phone in my face. I then called XXXX at the gym to inform him what was said to me about the accounts. He was shocked to hear this information because he said this has never happened.
I don't know what to do at this point because Aldous & Associates are VERY rude and really needs to be closed down.
|
| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
YOU HAVE. VIOLATED FEDERAL LAW. PER REGULATION F YOU MUST PROVIDE NOTIFICATION AND THE RIGHT TO DISPUTE ****BEDORE ***YOU PLACE ANYTHING ON A CREDIT REPORT. YOU HAVE ADMITTED IN WRITING YOU PROVIDED NO SUCH NOTICE. NOT ONLY THAT AFTER BEING TOLD YOU HAD THE WRONG ADDRESS ( ALSO IN WRITING ) YOU SENT INFORMATION TO THE WRONG ADDRESS WITH THE NAME OF YOUR COMPNY ON THE OUTSIDE OF THE ENVELOPE VIOLATING 3RD PARTY DISCLOSURE. NOT ONLY HAVE I FILED A COMPLAINT GINST YOUR ATTORNEY WITH THE STATE BAR I HAVE FILED COMPLAINTS WITN THE TEXAS ATTORNEY GENERAL AND, ATTORNEY THE GENERAL OF UTAH WHAT YOU FAIL TO REALIZE HERE IS I HAVE NEVER PICKED A BATTLE I LOST.
THIS WILL. NOT BE THE FIRST.
ONCE AGIN REG F REQUIRES WRITTEN NOTICE OF A DEBT AND THE RIGHT TO DISPUTE THAT DEBT BEFORE PLACING AN ACCOUNT ON THE CREDIT REPORT NOT AFTER.
AND YOU ADMITTED IN WRITING YOU DID NOT DO SO.
I AM HAPPY TO MAKE YOU THE TEST CASE FOR OT PROVIDING NOTICE.
I WILL ALSO BE SUING YOUR CLIENT. AND BASED ON THE. U BRR OF CPMPLAINTS WITH THE XXXX IT WILL BE A CLASS ACTION.
|
| 11/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I paid XXXX XXXX on XXXX and XXXX XXXX in XXXX XXXX {$250.00} approximately for a year membership up front, No contract. Not only no contract but no payments except the initial one was made. XXXX does not have any record of me owing them anything and has never reached out to me. I had to reach out to them. When I attempted to contact via email with this Aldous & Associates company I can not. I have no idea what verbiage is going to be used if I call into that company and Im afraid the recording at the begining could be shady or something. I dont want to agree somehow or get locked into a debt I do not owe. I have read reviews and it appeared something of that nature is happening. I do not owe this money, they are incessantly emailing me and I am really very positive this company is incredibly aggressive, shady, and dishonest. I almost feel as if they possibly are doing this behind XXXX XXXX back. I dont owe this money, I am waiting to try to get my credit pulled on monday to see if these scam artist actually were able to effect my credit.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Soon after enrolling, I developed a health problem that prevented me from working out at the gym. I called XXXX asking them to cancel my membership. I was told they could only cancel my membership if I showed up in person. I told them it was not possible because I was ill.
They continued taking membership fees from my account following my request to terminate the membership. I asked my bank to block them from taking money from my account. XXXX continued billing me.
I never once showed up at their gym. They eventually canceled the account and sent the account to collections. Aldous & Associates , PLLC, the collections company, posted the account to my credit history claiming I had an outstanding balance of {$160.00}. They have since refused to remove it. I don't owe XXXX anything. This is fraud. I would like to delete this from my account. This is on my credit report only because Because of this account, I have failed to secure a student loan.
Sincerely, XXXX XXXX
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is my second complaint with Aldous & Associates. After my first complaint they have now blocked my number from calling them. I had to call from a different number for them to answer. The first agreement I had with them was pay for deletion. After they received my full payment they completely disregarded the agreement and stated they did not have the power to remove the account from my report. I called again from a different number after the first complaint, and the person I talked to told me they do have the power to remove an account from a credit report. They put me hold to talk to a supervisor and the supervisor never answered. They left me on hold, and then hung up the phone again. I had to call again from another number and they then told me the supervisor was in a meeting. This company pathologically lies and they are extremely rude. They never answer questions directly and constantly deflect all questions. They lie, harass, and make false promises to collect a debt. Once they receive a debt, they completely disregard you.
|
| 07/30/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance.
On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX, I signed up for a trial class of XXXX XXXX- never agreeing to a membership- only a single trial session that a gym trainer asked for.
I paid {$1.00} for that.
I never agreed to a membership contract or a monthly membership but they fraudulently used my details to sign me up for a membership without my consent.
I repeatedly tried to get in touch with them but they never helped and sent my account to collections.
Aldous associates has been trying to collect my debt but they fraudulently obtained my SSN - even though I didnt get an SSN until XXXX and reported the debt.
I repeatedly told them that these transactions reported by XXXX XXXX were fraudulent but and asked them to give me proof of any contract I signed physically but they never gave me that and my credit score is tanking now.
its affecting my life, my financial and mental health, all for an amount of {$150.00}. I even told them I'll pay them off but will never accep tto the debt cuz its not mine and XXXX XXXX fraudulently did that - but they stil didnt help
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had credit card fraud. You fit called abt my payment. I told the girl i wanted to cancel bc 1. They are taking more money then contracted for without my auth 2. They changed gym. I had abt 4 more ppl call. I told them all same. 5. They all said ok. They all had obligation to advise me if it needed to be in writing. Despite that they all said ok. They turned over to collections. Not only did i advise that gym breached contract by charging me almost {$13.00} when my contract was for 10, they can not use a contract they voided by not complying but they also had an obligation to advise me they needed in writing rather than agree to the cancellation by saying ok. Further they owed me almost XXXX $ a month for i believe XXXX or 4 years. The belligerent collector than sends me a copy of an unsigned/undated contract, which has no mention of the what the monthly monetary amts are, and very different from the signed contract i found in my files. They are all committing fraud in an attempt to collect on monies that are not due.
|
| 05/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was first contacted by this Company Aldous & Associates about a debt to XXXX XXXX XXXX which has already been disputed and found fraudulent by my bank as the membership had been cancelled, they confirmed, and they had continued to withdraw fund from my bank, XXXX XXXX XXXX XXXX. The collection agency contacted me repeatedly, I told them to only contact me via writing, and not to phone again. I sent them all the back up documentation and disputed the debt on XX/XX/XXXXby Certified Mail. Today, XX/XX/XXXX, they contacted me repeatedly calling over and over again, six times in less than XXXX XXXX. They sent me a letter with the contract ( which was never disputed ), and I had provided evidence of cancellation and communication with XXXX, showing i did not owe the debt. I also sent them a 2nd dispute letter, and again attached all backup documentation. They continue to call, and repeatedly each time. I have informed them that they can not call over and over and that they are harassing me, and they couldn't care less.
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX and ALDOUS AND ASSOCIATES are trying team up and say I owe XXXX {$330.00}. Which neither can provide an itemized statement for proof. I've asked several time for proof which no one can share. In XXXX I was furloughed due to Covid 19 and then laid off in XXXX. XXXX was always updated by me. During Covid my last conversation with XXXX was that I only {$67.00} ( {$49.00} annual fee + {$17.00} monthly fee ) I agreed to pay after I made my Personal Trainer payment arrangement of {$90.00} x 2 I still owed. In which my Personal Training ended XX/XX/XXXX per XXXX. I have bank statements showing these last two payments of {$90.00} made in XXXX of 2020. So they received my payments arranged! I then receive a letter in the mail from ALDOUS AND ASSOCIATE. Stating I owe {$330.00}, how??? And why am I now in collection? This is wrongly done by XXXX. I'm really confused and I want PROOF AND ALDOUS AND ASSOCIATES remived from my credit. I don't owe anything to ALDOUS AND ASSOCIATES. Please help me this is a scam.
|
| 04/03/2023 |
Yes |
- 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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|
I tried to pause or cancel my account earlier of last year ( XXXX ), but wasnt able to because I had one month past due. I wasnt financially stable and called XXXX customer support to try to get my account paused so I wouldnt have to pay for even more months and they told me that it wasnt possible until I payed off my previous month. I couldnt pay off that previous month because I was unemployed so it forced me to pay for the next month which added onto my debt. I stopped going for months because during all those months Ive been trying to either pause my account or cancel it so I wouldnt have to keep paying. They did not allow me to pause my account or cancel it which forced me to continue having my account open and added to my debt which I did not want and couldnt resolve. I received some mail last year about the attempt to claim debt and then stopped receiving them for a while so I assumed that the issue was resolved. Today ( XX/XX/XXXXXXXX XXXX ) the debt went into collections without any notice prior.
|
| 06/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Once again, federal law requires written notification of a debt BEFORE you play something on somebodys credit. Responding to the complaint I have made because you broke the law do not count. I am filed a complaint with the Utah state bar against your attorney. If you dont believe me his bar number is XXXX
This is your last chance to remove this from my credit before I sue you. And I intend to make it a class action lawsuit.
1. You have admitted in writing that you didnt notify me prior to putting it on my credit, that parking is illegal.
2. After having multiple letters returned according to the resident of that address and me telling you that was not my address, you violated, third-party disclosure by sending yet another letter with your name, clearly visible.
3. And last, but not least, you have continued to break the law I will not stop until I put you out of business.
4. I have forwarded a copy of this complaint and all of their responses directly to their client.
REMOVE THHHISS FROM MY XXXX
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| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I didn't pay a XXXX ( gym membership ) bill years ago. I recieved a notice from a lawer in the mail. I called the gym first, and was advised to pay the amount they needed and it would all be over with. I paid at that point. I still got the calls so i answered one and expalined that the gym told me it was over, I was paid in full. The person on the other end told me that i still owed their law offices. I asked why, and they couldn't say. I then hung up. I have received up to fifty calls from law offices regaurding this XXXX account that I have already paid off. I called back the same manager at XXXX and he told me he would take care of it and unless i heard back from him that I shouldn't worry. I kept getting calls but ignored them because they were just calls ... Then i got an email from XXXX XXXX that said Aldous and Associates is placing this into collection. The XXXX managers have no idea who this law office is, nor do they know why i am still being hasselled about this as I don't owe them anything.
|
| 06/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I went in-person to cancel my membership with XXXX and signed the cancellation form effective XX/XX/XXXX. This was the only way to cancel the membership as relayed to me by the employees. The form showed no fees due for the cancellation, as I terminated this within 1 month of the next installment. On XX/XX/XXXX, I received a debt collection from Aldous & Associates claiming I owe XXXX {$24.00} for a defaulted installment contract. This is the first time I received anything in writing regarding this claim ; prior to this, I never received a notice from XXXX about this claim, and never got the opportunity to dispute this before it went to collection.
I called the creditor attempting to dispute this claim ; however, the representative was not interested in my dispute and never offer me an option to process the dispute with them. He said I didn't cancel my membership in writing. He was insistent on trying to get me to pay the debt and threatened he'll report me to the credit companies if I didnt pay.
|
| 11/03/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2022 I made a membership with XXXX, Ibwas told they had a promotion that was ending that day, if I signed up. My membership would be XXXX dollars. Fast forward a two months later. I reached out via phone asking for a cancellation. I had a herniated disc that got worse, so I was not able to step in the location. They told me to send a email to coorperate. Which I did. Never received a response. 2 months later. I received a later saying I had a balance of {$350.00}. Which didnt make sense. Because my membership was {$10.00} a month. Not a lot of time had passed. Fast forward. I reached out once the balance hitbmy credit. I was told XXXX sold their company and there was nothing they can do.
Atleast take responsibility. Or fix the balance that I owe. They told me my acc was a {$25.00} acc. Which was inaccurate. XXXX created problems for me and left the problems to a Nw company. I m not the first because I read a few reviews on XXXX. Please look into this, the ammount is not accurate
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing a complaint with ALDOUS AND ASSOCIATES they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : Unknow who is ALDOUS AND ASSOCIATES they are not reported with XXXX or XXXX account is incomplete, so I am unable to compare and they are not responding to me.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
|
| 04/01/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX, XXXX - collecting on behalf of XXXX XXXX XXXX stated that they would put a debt not owed on my credit bureau if I did not pay {$130.00}. I stated that I was a member of XXXX XXXX for over 3 years and that I finally cancelled my membership in writing at the gym.
The gentlemen at Aldous stated that I needed to " fill out the correct cancellation forms '' and I said that the contract only called for cancellation in writing, which I effectuated at the gym in person.
The gentlemen was insistent that I had not filled out the right forms and that the debt was owed. I explained that I am a lawyer and that his understanding of the law and of the contractual provisions are mistaken.
He was very courteous and professional in our conversation but he misunderstands the law on this matter.
I am filing this complaint in order to discontinue the collections efforts and because I do not wish this matter to affect my credit, as he mentioned.
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help.
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX I called XXXX XXXX XXXX to cancel my membership.
After them not canceling it for 3 months and I contacted them every month about it I called my credit card company and disputed the charges saying they were charging me illegally.
In the XXXX XXXX XXXX contract there is a section where you can check agree or disagree to continuing your membership on a month to month basis after the duration of your contract. I checked disagree. This would mean after my year membership I would 1. no longer be a member and 2. not pay anymore. They continued to charge me after a year violating the contract.
I was working at XXXX XXXX XXXX at the time and my job was to sell memberships. I completed my own contract and specifically checked disagree.
I tried to call Aldous & Associates on XX/XX/XXXX to discuss this. After telling one of their employees my situation they got rude and hung up the phone on me. I am sending them a written letter of formal disagreement today.
|
| 11/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.
|
| 07/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint is regarding an item placed on my XXXX credit file XX/XX/2022 by a collection agency calling themselves, Aldous. According to my XXXX credit report, collection attempt is in the amount of {$300.00}. During my initial correspondence with this agency, I asked for validation of debt. After that. some suspicious documents were mailed to my place of residence. I then stated in my second correspondence, that I needed to see copy of the identification card/driver 's license used to obtain this alleged debt, The agency then mailed me a threatening letter, stating that they will not be mailing me the requested item, and they were proceeding with the placement of this negative item on my credit report. A willful violation of federal law.
Regardless of the lack of proof of this debt, XXXX did not hesitate to place this item on my credit file. If the proper vetting was done by this credit reporting agency, I would not have to be writing this complaint.
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is a charge from Aldous Associated that hit my credit. I never heard of the company or received any communication from them. I see there is a debt of {$260.00} dollars owed. I never agreed to pay anything to this company because I am not familiar with who they are.
It states the original debt belongs to the gym. XXXXXXXX XXXX, the gym I spoke to the manager in XXXX of XXXX. We did not discuss any debt owed, he told me I could come in and get another active membership. He checked my login information and seen I had not been to the gym since XXXX of XXXX. He confirmed I did not have to pay for the year I did not attend the gym at all.
I do not owe the gym anything because I have not been a member in almost a year. I planned on rejoining a closer location but I will not do anything with this gym now. This company has no record of me owing a balance or anything showing I entered this gym. Please remove this inconsistency off my credit. Thank you!
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by Aldous & Associates in regards to a blink fitness debt that I do not recall acquiring after speaking with them on the phone they said the original dent was {$20.00} but they are looking to collect {$140.00}. After repeated phones to the company to get clarification they couldnt provide me with any information and sent the following email 6 times : Unfortunately, we still havent received your payment of {$140.00} owed to XXXX XXXX. This has been past due since XX/XX/2022. If there is a reason for this delay, please let us know. We have contacted you hoping we can resolve this quickly. Please pay the outstanding amount as soon as possible. You can pay {$140.00} conveniently online at the link below The representative threaten to report to my credit and show as delinquent after numerous. Once I let them know I would report to FTC they hung up the call and any time I mention the FTC any representative I spoke with would hang up the call.
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent in 2 letters regarding my credit report to each bureau including to ALDOUS. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed ALDOUS reporting false inaccurate information. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around for any real verification. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed ASAP because I am not liable for a debt to a company I've never had a contract with. The false information on my report is unfair and I've already explained to the bureaus and ALDOUS representatives about this matter. Please help me figure this out.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
1. My first collections report is from XXXX XXXXXXXX XXXX XXXX, the collections company is Aldous and Associates. I was renting an apartment from XXXX XXXX in XXXX, I decided to go spend sometime back in XXXX XXXX XXXX XXXXXX/XX/XXXX, during my road trip back home I was injured in a Semi truck collision which I was NOT at fault. I reached out to the XXXX manager at the time letting her know that I would not be able to return to the apartment as my car was completely totaled out and I needed months of physical therapy to recover. The apartment and I were in agreement that as long as I cleaned out the apartment and returned the keys, the lease would end as a normal lease would end. Later that year in XXXXXXXX XXXX XXXX I noticed the collection was added to my credit report. My lawyer at the time contacted the apartment and was in agreement that it should not be on my report, but now in XXXXXXXX XXXX XXXXXXXX an {$3900.00} balance is still attached.
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke/written/emailed all the companies regarding the debt with XXXX XXXX XXXX XXXXAldous XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city.
Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance.
They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter.
Then I received an email from Aldous, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt.
They continue to hold the debt.
I have sent letters/emails to all companies with the cancellation letter provided.
|
| 11/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got a call that my bill with them was past due and I owe them XXXX or so bucks so I gave them my new card and they ran it while on the phone with me after confirming my payment I set up a cancellation of my account and was told it would be canceled out effective in XXXX sometime but then I started getting calls from this company claiming I had an account in collections with them from XXXX when I said I had closed out my account with XXXX they denied it and said I have to check with XXXX. I have called multiple times but no one has been able to help me it also shows that they have to different collections for me one for XXXX and one for XXXX which also makes no sense at all. Additionally the collections company has called me non stop around 8 to 10 times a day since the first interaction with them claiming that I will be sued if I dont pay them money. Which is very confusing because my account was supposed to be closed out with XXXX in XXXX.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This company has constantly reached out to me after I sent several letters, reached out to the FTC and also called and emailed them directly. I have submitted the letter that I have sent to this agency and the next step is to reach out to the attorney general office is this matter is not resolved.
I have also submitted the tracking information for a letter that I sent out today asking them to not contact me since they can not prove that the debt is mine. Their practices are extreme as well as not warrant because I do not owe this debt. I have also let them know I am conversing with XXXX XXXX directly and I do not want further contact with this agency.
I will also be submitting a letter to the collection agency today and I would also like for the FTC to forward the letter that I Lastly, I attached the tracking information for the certified mail that I sent today so that they can acknowledge that the letter and stop disregarding my request.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a phony balance in the debt collection agency Aldous and Associates PLLC. I took up the phony amount in small claims court in XXXX and the magistrate dismissed the case. I spoke to an attorney after about appealing the decision but they let me know it wouldn't be a good idea. The attorney agreed that I was done wrong and that I had a case but it would be difficult to win. The first time this company contacted me was XXXX of 2021. At this time I told them I had an attorney involved in which they got the information for my attorney but never contacted them. Prior to the court date I requested in writing the amount that is in collections and it came after the court date happened. Since XX/XX/XXXX I have received 8 phone calls from them and they left voicemails 7 times. After the 8th call I decided to block the number from calling me. The last call before I blocked them was yesterday XX/XX/XXXX. The amount in collections is {$900.00}.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX sent me to collection via Aldous and Associates on XXXX XXXX XXXX for the amount of {$3000.00}.
I had initially signed up with XXXX on XXXX and the following week began paying for a personal trainer. Within the next few weeks to a couple months XXXX began cancelling my appointments. Most were cancelled last minute. I was still charged for a few of these appointments. Then my personal trainer was fired. I contacted XXXX and it was agreed that I was not happy and did not wish to continue paying for services that were so easily cancelled at my expense. They were not holding up their end and I did not wish to continue. To this point I had paid for all appoinments including three cancellations that I paid for and never received. Then they send me to collections for an extraordinary amount of money beyond anything that ever happened. To this point they owe me for three appointments I paid for and they cancelled of {$300.00}.
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
According to XXXXXXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, on XXXX XXXX I signed a lease electronically. This is false because I was incarcerated and they were told this when they reached out to my family to have me finish up my lease. I have that in email. This hit my credit last year for a total of XXXX. I reached out to them a few weeks ago about this, they acknowledge via email I was incarcerated and would not be coming to sign a lease, I had no access to my email to sign a lease nor do I go in person. I asked them to remove them as I did not do this, they told me no, this is a legally binding contract. I was not sent any form of paper stating I owed them any money, I was not personally reached out to saying I owed them via phone nor via email, as they have both, this was just simply placed on my credit. I never moved here, I never signed a lease here either, so theres no way I can owe them XXXX.
|
| 07/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCT # : XXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX XXXX XXXX It was a non contract month to month membership that could be cancelled at any time.
I informed management that I would be moving to XXXX, MI in XXXX of 2018 and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't.
I am nearly 2,200 miles away from any XXXX XXXX XXXX facilities and am a member at XXXX XXXXXXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months.
XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from my XXXX XXXX report.
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Aldous & Associates responded to the CFPB with factual misrepresentation. In complaint XXXX they were unable to prove the debt and when they responded this company continues to commit fraud. They have placed an inaccurate file on my credit report and when I dispute with the CFPB they commit fraud by claiming I did not send any dispute of debt. A dispute of debt was sent on XX/XX/2023, and was received by Aldous & Associates on XX/XX/2023. I will attach the XXXX certified electronic confirmation to this document. I will also attach the letter I sent to them on XX/XX/2023, to this document with the exhibits.
This company continues to cause harm to my file with inaccurate information. I have shown that they have made an error and the FCRA requires they investigate which they do not do. Per conversing with a CFPB representative I have been instructed to attach the XXXX XXXX confirmation that I sent this debt dispute.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : ALDOUS AND ASSOCIATES {$98.00}
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2018 Creditor : XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a XXXX XXXX XXXX XXXX and I am no longer responsible for the account. Debt collection agent has threatened me to pay and without my knowledge of legal rights Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mine. The collector has not shown any proof of balance, nor have they shown any real evidence that that this account is indeed my account. According to the XXXX XXXX XXXXXXXX and the ALDOUS AND ASSOCIATES has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This is not my debt, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I retired XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX During this period of time that this debt was established and my identity was stolen which has been filed with the FTC and reported to the Credit Bureaus and several of the Creditors have accepted my paperwork which is from the XXXX XXXX XXXX XXXX This Credit collection company never contacted me by mail or phone and when I found out through my credit report monitoring I immediately reached out to the company and they were rude and laughed at me and said oh well and by law they do not nee to accept my fraudulent claim by phone or word of mouth Verbally. This is detrimental to my life as I'm attempting to buy a home XXXX XXXX XXXXXXXX XXXX XXXX XXXX to accommodate my family XXXX XXXXXXXX this is not my debt and I beg to have this removed.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Aldous and Associates broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A law firm in Utah has mailed me a legal demand letter on behalf of a XXXX here in XXXX, TX. I have never been a member of this gym. I have never made an initial or continuing payment to this gym and I have never have been present on the property of this facility. My bank account and credit card records show no activity with either of these organizations. The Aldous & Associates , PLLC group claims I owe XXXX to XXXX XXXX XXXX XXXX. I have never received any formal mailed bills from this gym ever. This law firm attempts to extort me by asking me to pay them a {$50.00} amnesty fee to their firm in Utah and follow up with a 12 month membership at this XXXX I have never been a member with, then my fabricated debt will be forgiven. They threaten to damage my credit if I do not follow their directions. I have currently filed a US Postal Service Mail Fraud complaint and a XXXX complaint against this entity.
|
| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2021, I went into XXXX XXXX to open a monthly membership of {$10.00} a month and they ended up creating a renewal contract for {$200.00} biweekly payments for a total of {$2400.00} that I did not sign or commit to. It wasn't until the first payment of {$200.00} hit my bank account that I realized there was something different submitted as a contract. I went into the facility to have them fix it but they said the person I needed to talk to was not in. It wasn't until the third attempt that they said she is no longer with the company. Because I was unable to resolve it with XXXX I turned to my bank ( Chase ) to dispute the charges. They did reverse the charges. However, now the " debt '' is being reported on my credit reports by collection agency Aldous and Associates. I will also enter a dispute with them, however I want to ensure this gets removed, as it dropped my XXXX XXXX by XXXX points.
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!
|
| 07/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have received frequent and repetitive collection calls from Aldous & Associates for a debt owed to XXXX XXXX beginning in XXXX of 2019. When I requested documentation related to the debt, the collector sent me the contract that they said I had signed. However, I never signed a contract with XXXX XXXX and I believe the signature on the form was forged by the company after ownership changes. I had cancelled an account with the previous owner. I have made a written request that I stop being contacted about this inaccurate debt, but the company continued to call my personal number from multiple different phone numbers at any time of day or night ( before XXXX, after XXXX ). I have also been notified that attorneys for the company have made them aware of evidence of harassment in my case, but they continue to contact me about payment. The phone calls I have received about the debt were threatening.
|
| 10/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello I have contacted Aldous and associates collection agency months ago about a debt from XXXX XXXX XXXX XXXX. I asked them to send me validation of this debt along with the correct pay off amount due. After several certified letters and months letter no written reply. And when I called them they nasty rude and unprofessional and basically demanded me to pay an amount I know wasnt due. Spoke to the original creditor XXXX XXXX they told me the amount which was almost {$3000.00} being due. Which they told me that Aldous and Associates do not have the file another credit collection does XXXX XXXX. Which XXXX XXXX sent validation and the correct amount due. I am in contact with XXXX and making payments towards the balance. Why is Aldous & Associates refusing to stop reporting this negative fraud information to my credit reports? I am paying on this same debt to another collection agency.
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am lodging a formal complaint against aldous and associates. This debt collection company has been reporting derogatory info on my 3 credit reports for a debt in the amount of {$110.00} which isnt mine. i have never recieved a dunning notice from this debt collector which gives me 30 days to dispute validity of debt. which is a violation of the fdcpa/fcra. debt collectors must send dunning notice to consumer before reporting. i have lived in XXXX XXXX at the same address for over 17 years so theres no way i recieved anything from them, not even a phone call. i am in the process of purchasing my very first home and im being told by my realtor that this errounous account being on my credit reports is holding me back. i am requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed next if account is deleted immediately
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted from XXXX, UT XXXX from a law office attempting to collect a debt. I was first inform it was on my son, then after I told them he was a minor it became my debt. It was from XXXX XXXX in XXXX, TN. I was irate because I know that I canceled this account and did not owe any funds. I went to XXXX XXXX and had them review my account and it was confirmed that my account 's last payment was on XXXX of XXXX and the account was properly closed on XXXX of XXXX. No money owed and accounts are closed. They informed me it could be a scam. I did make a return call to the number to inform him of the account numbers the last payment date, and the closed account date. I also told him no money was owed on either account. His only response was to inquire if i was going to pay him or not. This is an abuse of power and predatory attempts to collect a debt that is not owed.
|
| 04/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I signed up for a membership online, when they couldnt get my online information to work for Payment, they called multiple times a day, threatening to quit payment threatening to cancel my membership and now sending me attorneys at law letters. The Way they do business is unacceptable. I couldve just gone in and paid for the membership if they wouldve called nicely, but the harassment was out of control, and I never even used the membership because of them not receiving payment. I thought because they couldnt get the automatic payment to work that they were not activating membership. However Im being charged over {$300.00} for membership that was never used I believe it was never even activated, so it was never even used. I thought it was invalid because the payment never went through. All while they have been charging me fees and a monthly rate. They are crooks!!!!
|
| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified by the collection agency Aldous & Associates about an alleged debt of {$120.00} from XXXX XXXX. I have reason to believe I do NOT owe this debt because I have not had an account with XXXX XXXX since XX/XX/XXXX when my contract for the year of XXXX ended. Furthermore, gyms were closed for the majority of the year of XXXX due to COVID per the Governor order. How can one be charged for serviced not rendered. It is highly dishonest and highway robbery.
I would like to reiterate that I do NOT owe this debt and, attached is the proof : an email from XXXX XXXX on XX/XX/XXXX admitting to me that they have made an error and, that I do not have any account that is past due or that at risk of being sent to collections. I have printed and sent the email to the collection agency by certified mail but, for some reason they have decided to act obtuse to the proof.
|
| 02/18/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.
|
| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATI WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.
Since this debt is disputed pursuant to the Fair Debt Collection Practices A you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.
Thereby inform you that you do not have my consent to communicate with XXXX through any medium. Furthermore, I DID NOT consent to you having my Go, personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consure reporting agencies.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX I called back the collection company, ALDOUS & ASSOCIATES Atty at Law XXXX XXXX XXXX XXXX, UT XXXX XXXX, and had a conversation for about XXXX. and XXXX seconds in an attempt to find out what this call was regarding. The individual hung up the phone call with me.
XXXX XXXX XXXX XXXX XXXX XXXX I called back and again attempted to obtain information regarding this account. I had a conversation with the person for XXXX. and XXXX seconds with the receptionist again hanging up on me.
I have never received any letters from this company but received emails that I responded to numerous times and have them documented. They responded after my 4th attempt to call them. I was unable to as I been unsuccessful in the past. I requested in the email communication to send me a letter with any correspondence at this point to no avail.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I went to XXXX XXXX XXXX in XXXX, Alabama to sign up for a gym membership. I was told that I would be paying a monthly fee that would be drafted from my bank. However, I was never informed that I was signing a contract. I was only informed that I was signing a membership agreement and a bank draft authorization. I was never given a copy of the contract to review before I signed it. I only found out about the contract when it appeared on my credit report.
I disputed the charge with my credit card company, and I brought this to the attention of XXXX XXXX XXXX. However, the charge was still marked as accurate.
I am very disappointed with the way that XXXX XXXX XXXX handled this situation. I feel that I was misled and taken advantage of. I would like to request that XXXX XXXX XXXX cancel my membership and remove the charge from my credit report.
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.
|
| 03/02/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.
|
| 11/17/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone used my credit to add me as a co-signer for an apartment. When I called the company after finding the collection on my report, I was told I either need to provide a police report or pay it to have it removed. It was only {$170.00} and worth not dealing with everything else, so I paid it and it was removed. Now a year later it has been added back as paid status and they are refusing to take it back off. The reappearance dropped my score from over XXXX to XXXX. XXXX XXXX and rely on my credit for survival. Again, this was fraud and they did remove it as promised initially, but now have added it back 12 months later. They have been extremely rude and could care less about the damage to my life even though the debt was never mine.
All Im asking is that they take 5 minutes and have it corrected so it is removed permanently.
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Again, ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. That is a violation pursuant to 15 U.S.C. 1692b ( 2 ) and 15 U.S.C. 1692f ( 1 ). ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language by accusing me of owing this alleged debt. I will not pay it. Their allegation is ruining my consumer report because its inaccurate. The debt is not mine. I do not have a contract or anything with ALDOUS & ASSOCIATES, P.L.L.C. nor do I wish to do any business with them.. I am enforcing my rights, as a consumer, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability. Pay the invoice and remove this from my consumer report.
|
| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and associates has ignored my attempts to have them correct their mistake on charging me for someone elses account. The name on record is not mine and more. They have refused to send me documents of opening, id 's used, proof that they own the account and and have refused to even dispute the account. I was never sent any 30 day letter to respond to before this hit my credit report this is not my account and if not removed I will forced to file for triple damages plus punitive of {$10000.00} for harassment, hanging up on me, being rude and causing me grate stress while defaming my character. The balance though minuscule does not belong to me for {$140.00}. please respond via mail only no more harassment this is causing me undue stress on a matter I know nothing about. I am elderly and do not go to gyms due to XXXX XXXX.
|
| 03/12/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX has month-to-month only membership plans ; there are no long term plans where a member is contracted to pay any month beyond the current. I chose not to renew my membership and was never once contacted by XXXX informing me of any amount owed. There was never a bill, past due notice, or any communication whatsoever stating that my account was still open and money was owed.
I just received a collections notice that stated I owed {$270.00} for this non-existent membership. I contacted XXXX and they were of no help whatsoever, unable to put me in contact with anyone who has knowledge of this sort of issue.
Lastly, the collections notice contained no information about the account for which this supposed debt originates. This is most likely due to the fact that there is not XXXX account for which money is owed.
|
| 03/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.
|
| 06/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I told you people I didnt live at that address. I did that through the CFPB you ignored me telling you that and XXXX information about me to a third party. I had one of my old neighbors, contact the individual that lives in that unit and told him if they received anything for me to please return it to the original sender via certified mail, and I would make up the cost. I have proof, I also have proof you were told I didnt live there anymore. Not very smart of you attached you will find screenshots of my complaint to you through this agency that said I didnt live at The minute you sent something to me with the name of your company on the outside of the envelope which disclosed to a third-party I have a debt you openly and frequently violated the fdcpa. Oh, and I also have a picture of the envelope not very smart.
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
N Accordance with the fair credit act XX/XX/XXXXaccount # XXXX, XXXX, XXXX, has violated my rights. Aldous, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt was accrued do to an illegal business practice by the original creditor, XXXX XXXX in XXXX, Florida. They used to be called XXXX XXXX XXXX XXXX
I moved-out early due to the COVID-19 Pandemic in XXXX of XXXX. I received a Final Move-Out document ( Attached. ) acknowledging my move-out, yet a year later, in XX/XX/XXXX, I received a LARGE bill of {$9100.00} ( Attached ) reflecting that XXXX XXXX was charging me rent for an ENTIRE YEAR after I moved out.
Furthermore, XXXX XXXX had mitigated my loss by getting another tenant to occupy and sign the lease for unit XXXX within a month of my move-out date, by the name of XXXX or XXXX. I confirmed this with my fellow roommates who lived in the same floorpan as I did.
This is an illegal business practice, and the Debt Collector should close this account.
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous & Associates P.L.L.C.
Account Number XXXX I purchased a gym membership with XXXX XXXX XXXX on a monthly pay period on XX/XX/2021.
After 1 paid month of the membership I replaced the credit card I had on file and therefore stopped making payments from there on and planned not to update the credit card on file as I did not need the membership any longer.
After failing to use the keychain on file with my membership due to declined access, I assumed that my membership with the club was subsequently terminated and I have not used the membership since XXXX of this year.
I was not made aware that I would have to still pay on a membership I had and still have no access to nor the failed transactions attempted upon my former credit card and therefore should not be charged for it or the accrued debt as well.
|
| 11/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The debt is from XXXXXXXX XXXX XXXXXXXX. I cancelled my gym membership on XX/XX/XXXX. They said they'd charge for another XXXX weeks, and my last charge was on XX/XX/XXXX. A year goes by, and I receive a letter in the mail saying I owe around {$140.00}. I immediately go to the gym and ask to remove this debt and for a solution. A worker takes the letter, goes to the back, and comes back saying it should be gone within XXXX days. I do not remember the date this happened.
The gym admitted to the mistake, saying my account must have been " frozen '' and not cancelled, resulting in unnecessary payment.
Now, on XX/XX/XXXX, I am still receiving emails from " Aldous XXXX Associates '' saying I owe even more, {$180.00}. The gym location has since closed, and I have no way of getting in contact with employees.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid in full for Aldous and Associates, PLLC, but still the amount is showing as unpaid or derogatory/open I am from XXXX working as a XXXX staying with my family here, i asked the paid in full letter to Aldous and Associates, PLLC, they said they will not provide, then i asked to XXXX XXXX XXXX property manager and he sent me a letter.
please find the attached file and remove Aldous and Associates, PLLC collections from my credit report.
i lost my current job and need to vacate current apartment by this month XXXX th, i have to find an apartment before that, so please kindly update my credit reports, having collections on my credit report we are facing extreme hardship, I don't have enough money to feed my family but i am paying these collections,, please understand my situation.
please helpme
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX, I called XXXX XXXX, stated I will not continue the membership or to pay, due to high risk of the covid-19 pandemic during my XXXX, I will not be using the membership started months prior to covid-19 pandemic. XXXX informed me I needed to come in person to cancel. I refused, due to being XXXX and not risking health during pandemic ; reiterated I won't be able to come in due to health risks for my unborn child, which is why I am cancelling. Now, in XXXX, received a letter for a debt collection by Aldous and Associates, I contacted by phone call but was informed they won't accept disputes and i needed a written letter to cancel years ago, which is not what was stated when canceling back in XXXX. I am not paying or continuing membership, I informed them before they continue to charge me in XXXX.
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to the law firm/collection agency to inform them that the information that was being reported on my credit was inaccurate and does not belong to me. The information thats been reported is an account I supposedly have with blink fitness that was opened on XX/XX/XXXX, however I moved from New York XX/XX/XXXX, I wrote a letter requesting verification of the debt and also made calls to the law firm informing them that this information is inaccurate and The account must be a fraudulent account, which does not belong to me and should be removed from my credit report, to which they insisted that I pay the debt and that their information that is being reported was received from their client ( XXXX XXXX ), and is assumed to be correct and is going to continue to be reported until I pay the debt.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
1st error : Collection name : Aldous A gym litterally took my account to collection.
I signed up for XXXX XXXX for 1 month in XXXX and cancelled my membership thereafter.
Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up.
They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for.
Please help in removing this erroneous debtor on my report.
2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under XXXXXXXX XXXX is showing on my report added on XX/XX/XXXX.
I have not lived in the subject apartment since late XXXX.
I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My account was incorrectly sent to collections by XXXX XXXX. My credit card was lost and replaced. It was an auto-debit and I was no longer attending the gym. Even though I was not informed by any means of an outstanding amount. I got a letter from Aldous and Associates in Utah that I had a balance.
I went to XXXX XXXX and paid the balance in full. I have the receipt. XXXX XXXX said they will clear the item with Aldous and Associates. I also spoke with Aldous and the rep assured me that they will make contact with XXXX.
Fast Forward, there is a collection item that dropped my credit score by XXXX points from XXXX. I was under contract for a property and lost my deposit.
The negative item was added on XX/XX/2022 and I made payment on XX/XX/2022. The collection letter was dated XX/XX/2022.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Aldous & Associates is a third-party collector and I gave no one consent to contact me, they have harassed me several times. Threatening to sue me over the phone. No permissible purpose was given to this corporation on my behalf. They are violating my rights. I have sent in a debt validation request and demanded a response within 30 days, No response was ever given. They have been put on notice and had 10 days to remove the account from my consumer and FAILED to do, this is illegal. This company fails to respond to me.
15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I was a member of XXXX XXXX in XXXX, CA for 2 months when the Covid-19 pandemic shut everything down in XX/XX/2020, including all gyms. However, they continued to withdraw monthly dues from my checking account. I tried to contact them on numerous occasions to no avail ( they were closed ). I then stopped/blocked them from withdrawing payments from my bank. They then sent me to collections by some attorneys in Utah named Aldous & Associates claiming I owed {$280.00}. One of their phone numbers is ( XXXX ) XXXX. I had my attorney friend call them and she left a message for them to call her. They never called her. They continue to call me to this day, and leave messages at least twice a week. I blocked their number but they get through on another line leaving a me a message. I have had enough!!!
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
ALDOUS & ASSOCIATES PLLC, Has violated my rights 15 USC 602 A, States I have a right to privacy 15 USC 604 A Section 2 : It states that a consumer reporting agency, corporation, company can not furnish an account without my written instructions 15 USC 1681C. ( A ) ( 5 ) Section States : No agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report for more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
|
| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Around XXXX, I was having financial difficulties but I found about my XXXX XXXX account gone into collections by checking my credit report. I contacted the debt collector, ALDOS sometime in XX/XX/XXXX. I paid the balance in full. I tried to ask them for in exchange for paying the debt in full to remove it from my report. They told me it could not be done. I paid them in XX/XX/2020 because I was working on improving my credit report and score. I am even working with a financial advisor to help facilitate this goal further.
Since the balance has been paid in full. I would like to have this removed from my credit report as it is having a negative impact on my score and history. I am trying to move forward to correct my mistakes during a difficult time for me to support myself financially.
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation. Pursuant to 15 USC 1692G As the original credit only i can validate this alleged debt and i do not validate this debt. Sending deceptive forms such as billing statements or contracts is not a form of validation. Please remove this alleged debt from my consumer reports or else i will sue and seek remedy for all the violations and emotional distress that you have caused me.
|
| 11/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/23 i recieved an email from from an attorney saying I owed XXXX in late fees from XXXX XXXX, Florida, XXXX XXXX, on XXXX XXXX. I tried asking for an email of the receipt and contract alongside policies of the company but I was told there was nothing except a late fee. I contacted Amped fitness in regards to the late fees but was told that I did sign a contract to cancel my membership but that my final fee was never paid. Therefore every month I was being charged as if i was still a member while also not being allowed on the premises. I asked for all the paperwork to be emailed to me but the manager refused and stated it was company policy and that I had to pay the due or else my credit score would be damaged and that I would be sued. The call happened on XX/XX/23 XXXX XXXX
|
| 08/01/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in California sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX XXXX XXXX house, and the XXXX XXXX XXXX. This all took place in XX/XX/2021. All documents are in the XXXX XXXX
|
| 06/08/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.
|
| 09/11/2017 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information.
XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam.
I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.
|
| 03/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I contacted the debt collector with a debt validation letter. Within that letter, it specifically stated that the only forms of communication were by mail only, with no calls or emails. The letter was sent by certified mail. I have proof that they signed for it but on day XX/XX/2022 at XXXX XXXX they left a voicemail and I still have the recording & screenshots of the voicemail from their office location.
The debt collector is in violation of 15 U. S. Code 1692c-Communication in connection with debt collection, 15 U. S. Code 1692b ( 2 ) Acquisition of location of information, 15 U. S. Code 1692c ( a ) Communication in connection with debt collection,15 U. S. Code 1692d ( 2 ) Harassment or Abuse & 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process.
Today I asked an employee of Aldous & associates to have an attorney review this, as no attorney has been used to review this yet. She refused to do so.
There are XXXX attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX settlement against the company. They are still doing these illegal business practices!
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I went through this channel to dispute this account that is showing up on my report. I requested that they show me validation through the cfpb. Their response was, " If you believe that you do not owe this debt please send us a dispute with proof via mail to our XXXX XXXX XXXX XXXX, UT XXXX. '' If I put noticed that I don't owe the debt why should I have to show proof, there is no proof because I have no connections with this company. They put this charge as a collection on my report without proving that I owe this, but then they are asking me to claim my innocents. If there is proof that I owed this they should have just presented it to the cfpb and me in their decision that they just sent. If they can't validate they need to remove. I will exercise my federal rights.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern, your company acting as a debt collector such as ALDOUS AND ASSOCIATES, PLLC reporting negative information to my credit file without my lawful consent. However, your company has violated the Fair Debt Collection Practices Act ( FDCPA ) according to 15 U.S.Code 1692e ( 1 ) the false representation or implication that the debt collector is vouched for, bonded by, or affilited with the United States or any state, including the use of any badge, uniform, or facsimile thereof. The false representation of the character, amount, or legal status of any debt. Therefore, I DEMAND your company to cease and desist all communications with any affiliated third party without my consent of nonpublic information. Best Regards, Thank You
|
| 03/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALDOUS is violating my federal rights in multiple ways I sent a Cease-and-Desist Letter to them dated XX/XX/2023 and gave the clear written instructions to remove the alleged account # XXXX from my consumer report within 4 business days of receiving the communication. However, ALDOUS is referring to the correspondent an a " dispute '' instead of Official " Cease and Desist '' where they are failing to stop communicating with indirectly through my consumer report. when a consumer sends a cease and desist ALL communications must cease and if there are ANY instructions from the consumer it must be followed. The ONLY communication that ALDOUS should have with me should be to provide written proof that written ALL my instructions were completed.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My previous complaint ( XXXX ) with Aldous & Associates was closed without getting a valid response from the company.
As indicated in my complaint, Aldous & Associates continues to state that a fraudulent contract they provided is " proof of a debt " they are trying to collect. The signature on the contract they provided is not my name and not my signature There is absolutely no way I could have known this fraudulent contract existed and there no way that I could have a debt related to a breach of contract that I did not know existed.
Aldous & Associates is threatening to report this as a defaulted debt to credit reporting agencies unless I pay them {$100.00}, but they wont even give me any information on how the {$100.00} was calculated.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER!!! REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Not only that in one of their replies to me, they broadcast in an ad they believed it to be mine and I told him that was not what I live anymore. Still, they continue to claim that you sent the information to the address Ive told him is not mine. My next phone call will be to an attorney.. if you dont believe, Ill sue, look me up on XXXX
|
| 11/21/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I keep getting harassed via phone and email for a {$200.00} debt from debt collector who introduces themselves as Aldous & associates attorneys at law ( phone number ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX, UT XXXX ) claiming that I need to pay for this and they wont even let me talk and explain the situation. When I asked them if they were a law office ( spoke to XXXX and XXXX XXXX they stated that they are and when I asked if the person speaking was also a lawyer he stated that he is an associate at the firm. I informed them I am not comfortable to speaking with a law office without representation but they keep calling me and are very aggressive and rude and dont understand that I dont want to speak without representation.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
ALDOUS AND ASSOCIATES is currently reporting on all three major consumer reporting bureaus that I owe their company {$370.00}. Reporting started on XXXXand is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 03/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Pursuant to employment relocation, I acquired a XXXX 's Membership. For employment reasons I moved from XXXX to XXXX. Once relocated, it was determined, my move relocated me XXXX XXXX from the gym I frequent, and unfortunately to my knowledge, the closest gym to me was XXXX XXXX away from my home. In attempts to resolve this issue, I contacted XXXX 's XXXX Customer Service and was told on several occasions the issue was resolve. I have requested several times for Aldous And Associates to resolve this issue, only to no avail. In addition, I am disputing the amount owed of {$480.00}, as the the original amount of the contract was only {$370.00}. If any additional funds was owed, I was not made privy to that dollar amount.
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Aldous and Associates is a terrible collection agency. Told the company I wanted this account removed from my report post payment in full for balance on XX/XX/XXXX for {$160.00}. Collector reported bad information back to XXXX XX/XX/XXXX with the account showing " open '' when it is closed, Collector re-reported the collection balance as " {$160.00} '' when it is " {$0.00} ''. Collector does not follow good practices and has no urgency to fix the problem even after explaining this big error on their behalf took another tool on my credit report. Terrible service and company! Have disputed with the Credit Bureau twice with no resolution. Being the account was a collections account this took another hit on my credit.
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX 's XXXX is charging me a collection debt on a membership that was already canceled in person. I've contacted the gym but they say I never canceled my membership. I'm 100 % sure I canceled my membership since they had restricted access to the gym and I no longer wanted to pay full price for a gym membership where I didn't have full access. I have an email where I specifically ask for my account to be frozen and they stated that I had to pay a past due fee which I did. I refuse to pay XXXX $ for a mistake they did but I have no way of proving I payed because I payed in person and lost the receipt. The same thing happened to my girlfriend but she got fooled into paying twice. XXXX XXXX is ripping people off.
|
| 01/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently got a statement in the mail from the collection agency Aldous regarding a blink membership.I had XXXX in the past but paid my balance in full. Aldous collection sent me a copy of the membership agreement, and the name is the same as mine but the address is a completely different address and the method of payment on file doesnt match my checking account.
This lead me to believe that another XXXX XXXX owes this balance, yet it is being reported under my name. I've tried to work out this confusion with Aldous directly but they were little to no help at all.
Attached is my receipt from a XXXX XXXX proving that I paid my balance, and the membership agreement and collections notice I got from Aldous.
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never had an account with XXXX or XXXX XXXX. The only thing I have ever had with them was a free trial that was cancelled in XXXX of 2020. They continued to try to charge me father the three day trial and after their gyms were closed. I do not and will not ever owe a balance to them and will never pay a balance that they say is owed.
I do not care if I have to escalate this to highest of courts but they will not get any money out of me in an attempt to collect a false debt. I have not and will not ever pay Aldous and Associates as this is a false debt that I have expressed many times. I dont know if XXXX participated in Identity Theft but this is highly illegal and there will be a cause of action.
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The firm ALDOUS AND ASSOCIATES is again reporting a collection of 129.00 to my account in error. First in XX/XX/2021 and now in XX/XX/2021. ALDOUS AND ASSOCIATES is stating they are representing XXXX XXXX regarding this reoccurring dispute. While XXXX XXXX has emailed me twice, stating there is an error and not much money is owed this has not stopped ALDOUS AND ASSOCIATES from taking my credit score from XXXX to low XXXX. We need XXXX XXXX to do a much better job in protecting its client from fraudulent claims and negative impact to their financial livelihood. I must have XXXX XXXX ; XXXX legal department address this matter with ALDOUS AND ASSOCIATES directly ccd to me at XXXX Regards, XXXX XXXX
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Aldous & Associates called me and insisted that I owe them {$210.00} for a gym membership that I canceled. When I asked for verification and documents to show that I owed them the money, they said they already sent me a written notification which I did not receive. Threatened me by telling me my credit would be ruined and I should pay right away with a XXXX or XXXX. I asked him to send me written proof and documentation as I did not trust or know if he was a legitimate debt collection agency. He refused to answer my questions, insisted that I just pay him and when I repeated my request for written documentation he hung up on me. Very rude and threatening conversation from the Aldous & Associate.
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX has fraudulently report 2 false balance to collection due to a change of management. I had a membership at XXXX XXXX, during covid I had some false charges despite all gyms being closed at the time. Later on, I realized I had an outstanding balance, I paid the balance and decided to closed the account membership. 6 months ( XX/XX/2021 ) later I realized they had reported 2 false collection balance to the all three credit bureau ( XXXX, XXXX, XXXX ) by the collection company name ALDOUS AND ASSOCIATES. I've contacted the original creditor, and they have reassured me that I never had a balance that went to collection. The original credit said error occur due to a change of management.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to address an incorrect debt that has been reported to credit agency, claiming that I owe an organization a sum of money for a health club membership at XXXX XXXX. However, I want to clarify that this debt is not valid, as I canceled my month-to-month membership with XXXX XXXX due to insufficient usage.I contacted XXXX XXXX on in 2022 and spoke with a representative to cancel my membership immediately.To my surprise, I discovered that an entry for this alleged debt appeared on my credit report, attributed to Aldous and Associates. I believe this entry to be inaccurate and unjust, as I fulfilled all necessary procedures to terminate my membership and stop any further charges.
|
| 12/18/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX XXXX XXXX. The only company we know of named " XXXX '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX.
They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law.
This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 04/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I lost my job, my home, transportation EVERYTHING due to COVID 19! I just started working again in XXXX of 2020. I did not receive ANYTHING about this collection. I could not get to the gym to work out anymore nor could I afford to so I allowed the account to close due to no employment! I still have yet to collect stimulus funds! I never got my full unemployment benefits! I have struggled for months trying to get my credit up only for it to drop because I LOST EVERYTHING! I had a XXXX in XXXX! Look at it now! Because COVID 19 ruined my life!!!!! Yes I am still alive but I should not have to pay a debt I didnt know about because I couldnt even use the services! Please someone help me!!!!
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a collection on my report that should have never been there since i never recieved notification of the debt. I am in the middle of purchasing a house so instead of fighting the debt i paid just paid the collection because the rep told me on the phone it would be removed. I disputed it with the credit bureaus as well just to make sure that it would be taken care of. I had my credit repulled and it is still showing with 2 of the credit bureaus and those credit bureaus look like they haven't even looked into it and opened up any investigation. Please help me to get this removed as it never should have been there to begin with and they are not doing what they told me they would do.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX.
They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law.
This company has failed on multiple occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I never signed a contract with XXXX XXXX for a gym membership and was told it was a month to month membership that I could cancel at anytime. I called the gym and told them I no longer wanted to have a membership. I was not told it needed to be in writing. Now XXXX XXXX XXXX has called me several times over the last two weeks and when I explain this on the phone, they just hang up. Today, XX/XX/18 I told them not to call me back. They yelled on the phone and told me when I signed a contract, I needed to send them a request via mail to get a copy of the contract I signed, that I would be reported to the credit bureau and when I felt like paying my debt call back and hung up again.
|
| 11/08/2017 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I opened personal account with XXXX phone services in XXXX of XXXX. Closed account in XXXX of XXXX. It went to collections and I wrote a couple letters and called to clarify the account was closed and I just found out it went on my credit report in XXXX XXXX.
Account Name Account Type Account Marks Past Due Reported On 1.
XXXX XXXX XXXX Charge off Learn More {$240.00} XXXX. XXXX, XXXX From what I understand this ALDOUS company has many complaints of false billing and credit reporting.
My credit was excellent until this false collection was filed and I would like to have it removed. Thank you for your time and please let me know how I can have this false charge removed?
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ALDOUS AND ASSOCIATES called me 1 year ago, to charge me the gym XXXX membership, which I had canceled 2 years ago, and had filed a complaint with the bank, because XXXX continued to collect the monthly payment after I retired. When ALDOUS AND ASSOCIATES call me they threaten to send me to the collection if I didn't pay, even though I explained my case. We agreed that he would pay {$190.00} and that they would not comply with his threat to send me the collection. 1 year after paid, they put me in the collection and hurt my credit. I called them and the secretary told me that even if I had paid, they put me in and don't plan to remove him. because they don't want to.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 05/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter requesting payment of {$150.00} for " defaulted contract '' for XXXX XXXX XXXX on XX/XX/21. I had a gym membership previously with XXXX XXXX for many years and the contract was fulfilled after obligation and then I went on a " month-to-month '' status. XXXX XXXX XXXX purchased XXXX XXXX but my contract had been fulfilled years prior to this change of ownership. I do not owe any money for a " defaulted contract. '' I have written a letter back on XX/XX/21 addressing this and have yet to be notified by Aldous & Associates who sent me the notice. I do not owe this amount, or any amount to XXXX or XXXX XXXX and want this matter closed immediately.
|
| 03/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I didn't receive enough information to verify or pay the debt, I have never received any written communication about debt before Collection Agency reporting to Credit Bureau, And I made the payment on first business day after its reported to credit, Still company is not removing this account from my credit report.
First of all I am never a member of Gym they reported to the credit, so I requested them to send me documentation when they call me first time and they never called me again or contacted me in any way.
Still I have paid to collection agency to have the account removed from my account but they didn't remove the account even after 30 days of payment.
|
| 08/21/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX has reported back to credit bureaus and collection agencies that I owe them nearly {$7000.00} in rent for an apartment that I did not sign a lease for nor did I even know exist until I received notice in the mail on as to why I couldnt get a loan to finance my vehicle. This company continues to try and pin this account onto me after plenty of tries to dispute the account. I even gave them proof that it wasnt me who opened the account, yet they continue to hound me for it. XXXX isn't making it any better by basically throwing it in my face that I have little to no chance to get approved for anything because of this fraudulent account
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Due to Covid related reasons, I had to leave my job in XXXX in XX/XX/XXXX and I moved to a new location farther than 25 miles from the gym. I sent XXXX an email on XX/XX/XXXX after repeated calls explaining this information. See this email attached. XXXX did not respond to these calls or emails. The next communication from XXXX is on XX/XX/XXXX about their plans to reopen. I reply to this email. Again explaining my situation, and receive no response from XXXX. Now, in XX/XX/XXXX, I have received two separate bills relating to XXXX. One claims I own {$240.00} the other instead claims that I own {$140.00}. I had a valid reason to cancel my contract in XX/XX/XXXX.
|
| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I have asked the credit bureaus to conduct an investigation multiple times on this debt and they state that it is accurate but it is not.
ALDOUS AND ASSOCIATES Amount : {$460.00} In accordance with the Fair Credit Reporting Act, Aldous and Associates, have violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to Privacy.
15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instruction.
I have presented military orders showing that this account was in violation of the soldier and Sailors act. The account was suspended and the amount owed was presented in error.
|
| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card.
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down.
XXXX XXXX now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX went out of business. XXXX XXXX continues to try to collect this debt which I do not owe to them.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights.
15 U.S.C 1681 section 602 A clearly states that I have the rights to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
|
| 11/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid in full the account in Collection with Aldous regarding XXXX XXXX - Personal Services. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I continue to have calls from someone that states they are from Aldous and I didn't know what this was until I pulled my credit report and found there was a debt collection from and Aldous and associates.
It states it is for XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER had a membership for this company/gym.
I have been a XXXX member for the last 20 years and can provide documentation to this point as I have children and they also participate in the XXXX.
This account is NOT mine and I do not like being threatened by these calls from Aldous.
I ask for this to stop, remove the fraudulent claim against me and all of my credit reports at once.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports. This has caused me to be denied for credit, apartments and loans.
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Aldous XXXX XXXX are reporting a fraudulent account on my credit. I learned of this account when my credit was hit with a negative reporting on XX/XX/20. I immediately contacted Aldous and informed them that this account is not mine, and I believe it to be fraud. I was told that the fraud investigation may take up to 90 days, and thus I opted to pay an account that wasn't mine, with a promise that the credit reporting will be adjusted. I was told the account would be fully removed from my credit. However, the account still continues to report on my credit as a paid collection. Please remove this fraud account from my credit as it is NOT MINE.
|
| 12/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XX/XX/21 Aldous sent a collection letter for XXXX XXXX, I sent a certified letter back on XX/XX/21 requesting validation ( Both letters are attached ). I did not receive any communication since XXXX. I recently received my credit report and not only did they report a disputed / unvalidated debt, they reported it as three separate accounts to XXXX, with three different amounts and three different account numbers. The original letter stated {$290.00} and now they are reporting {$630.00} owed. They have violated Fair Debt Collections Practices Act. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b )
|
| 09/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I had a gym membership with XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX that began in XXXX of XXXX. In XX/XX/XXXX, the card I had on file was stolen and I notified the company of this issue. I then moved away from the area due to family matters and did not return to XXXX XXXX after this time. I was never notified by XXXX XXXX that I had a balance to pay or an amount I owed to the company. I was also never notified through the collections agency that they were attempting to collect a debt. I then received a credit notification that I had been taken to collections without my knowledge that a debt was attempting to be collected ( XXXX XXXX ).
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ALDOUS AND ASSOCIATES has placed a negative non paid debt on my credit reports. I do not know who they are and they are asking for a debt that they have not contacted me for or sent any validation for. I sent them a letter electronic and certified mail which they received XX/XX/2023, requesting they show proof of this debt. I canceled my membership with XXXX XXXX and the monthly payment was {$5.00} a month. They are unable to send me paperwork and have been ignoring me, but still placed a negative report on my account.
They need to respond to my letter of validation which I have attached to this, and remove the error in their reporting.
|
| 10/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. The debt collector was Aldous & Associates. They threaten to report me to credit bureaus, and said it could hurt my credit score. This was on a letter sent to me XX/XX/XXXX. I had a paid XXXX XXXX for 1 month of membership which was XXXX XXXX but canceled and they continued to charge me for 5 months extra amounting to XXXX XXXX XXXX XXXX got me my money back when I filed a chargeback. I go to XXXX in XXXXXXXX XXXX a place where XXXX is not there. The gym allows kids as young as XXXX to sign up and then they threaten them with debt collectors when they try to cancel.
|
| 09/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Aldous Associates at ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows since XXXX XX/XX/XXXX that XXXX XXXX in XXXX XXXX sent a debt of XXXX from my account. Already called my former fitness club at ( XXXX ) XXXX and verified a XXXX balance upon closing my account in XXXX. Tried calling Aldous Associates but their voicemail was full and their office shows being temporarily closed on Maps app. This fraudulent debt collection agency shows as a high impact derogatory remark on my XXXX report. If you could please have this removed, it would be greatly appreciated. Your help is greatly appreciated. Thanks very much, XXXX XXXX XXXX XXXX
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
on XX/XX/21 Aldous & Associates P.L.L.C. Collection agency add a derogatory mark in my XXXX credit report per XXXX XXXX, upon further research this account was transferred sold and I no longer responsible for this account debitor creditor did not verify this collection also, there was no written terms of communication, contract or signature for this accused debt at all.a bill with out signature does not validate this debt and anybody can send a bill and say is mines. According to the FCRA fair credit act, aldous collection agency has violated my rights as a Cosumer and Im requesting legal action to remove this account immediately..
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account for some time now with ALDOUS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
|
| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXXXXXX, A health club in XXXX, New Jersey went out of business during the pandemic.
I was a member. When they went out of business I canceled my membership and canceled my reoccurring payment with my credit card company.
After they were out of business, XXXX XXXX, another health club took over the facility. I have been contacted by a law firm representing them in order to collect what they say is a debt of {$140.00} I have no business or contract with XXXX XXXX. I have not been to a gym nor do I intend to go to a gym because of the pandemic.
XXXX XXXX continues to try to collect this debt which I do not owe them.
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX do not have any contracts with this company. They have stolen my identity.
Please provide a contract, novation agreement between me and this third party debt collector company, or any contract with this third party debt buyer.
Please provide your w9 tax information, this is a taxable event and your EIN is required for my accountant to report this to the IRS.
Please provide full disclosure of the name of who created this account on our behalf of us without permission.
Please provide full disclosure of the fiduciary capacity You are causing undue stress to us, by this breach of my privacy under FDCPA, FCRA.
|
| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When I signed up for my gym membership at XXXX XXXX in XXXX, I was NOT told about all the different membership options. I feel as if I was scammed into going with the 3 year MOST EXPENSIVE plan. I had just turned XXXX and I feel as if I was taken advantage of for having such little knowledge of contracts. I have tried to cancel this membership and havent been there in months, so I simply stopped paying. I dont have any way to pay for this due to me not having a job. I am a young mother and my top priority is NOT this gym membership. I have no money to pay this off and I just wish to cancel this membership all together.
|
| 11/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving repeated calls from Aldous and Associates. They keep calling me with the same message of " This is XXXX XXXX calling from Aldous and Associates - either reach out to him or XXXX XXXX. '' I looked up Aldous and discovered it relates to a health club debt.
I have NO record of health club debt. I do not know why they regularly call me. They have provided ZERO proof of debt owed. I am practicing XXXX- please show me where the proof is of debt owed and cease calling me once and for all. I already canceled my membership with XXXX many months ago and paid off my outstanding debt to the company.
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX wanted to bill me full month dues oXXXX XXXX for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.
|
| 12/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XXXX with XXXX XXXX I signed up at the XXXX location in XXXX XXXX while I was working there temporarily. I chose the monthly plan as I was not a resident. I notified them when I left over several emails and phone calls, each time I was told no one there spoke english and they couldnt help me. They did not cancel the account and a balance built up to {$340.00}. I can not cancel at another location now that I am back home and I go back to the original location. Aldous & Associates has contacted me about a debt collection and said that I need to pay immediately or they will put a mark on my credit and sue me.
|
| 10/31/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received 2 pieces of mail to collect a debt from a person who has never lived at my residence. I bought my house from a man who lived alone. I have lived in my house for 3 years, and have not joined a gym while living in Utah. It was clearly sent in error.
The person on the complaint is female.
I called to rectify it the company said to leave a voice mail, the voicemail was full. Also they had no email.
I found this extremely suspicious. Additionally I know that XXXX fitness uses a place called XXXX XXXX for their collections after googling.
I also don't want them to touch my credit score.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello my name is XXXX XXXX. I am a recent XXXX XXXX and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full XXXX XXXX. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX and another player took over the room.
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom this may concern, I am writing this letter in order to dispute the collection account on my credit report. The collections from Aldous and Associates, originally from a debt by XXXX XXXX.
I obtained a year membership with the fitness agency XXXXXXXX XXXX on XX/XX/XXXX and. However, I never agreed to extend my membership beyond this point. Moreover, Gyms were closed during the Covid 19 pandemic due to stay at home orders. XXXX XXXX did not open again until the date of XX/XX/XXXX. Which is 2 months after my one year term. I never agreed to extend my membership beyond the one year mark.
|
| 10/18/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.
|
| 08/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i recieve a phone call from XXXX tell me i have to pay XXXX from 2013 after 20 phone calls they send me a letter by mail stament that i dont own noting to XXXX tree monts later a company associates lawyer send a collection to my credit report i send the letter from XXXX stament that i dont have any pending with XXXX they return a letter asking for more evidente after they place my bad report to damage my credit before they investigate the matter. please i need help with this situacin because is hard to keep the credit clean and this people came and damage just like is a game. thank you.
|
| 07/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.
I asked for proof that I owed this debt to your agency and you are the original creditor, buying accounts for pennies on a dollar in hopes to collect the amount not owed to you is against FCRA regulations. The company Aldous & Associates is located in XXXX, UT therefore ; how are you legally able to collect a debt in my state, and I'm not notified of the debt or the exchange of debt that I had no knowledge of?
.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to explain that the person they are calling and sending letters to is a minor and wanted additional information about the validity of the debt and next steps. The gentleman in question spoke down to me rudely, and ended the call while I was still speaking. When I called back, the next person was also rude and didn't explain the situation very well. I asked for a supervisor to clear things up, and was put on an endless hold before the call terminated abruptly, with no one coming back on the line. The account number in question is XXXX. Again, the person on this account is a MINOR.
|
| 09/24/2018 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number.
This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : ALDOUS : XXXX XXXX XXXX Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof
|
| 08/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have notified Aldous and Associates numerous times that the debt has been paid for. I have asked them to contact the original creditor to obtain my paid balance info. Aldous & Associates refuses to contact the original creditor and requests that I send them a copy of the invoice.
At this time if Aldous refuses to contact the original creditor I will file a suit against the company and notify the Texas Attorney general for attempting to collect a false debt that has been paid.
Aldous & Associates has been notified that the debt is paid verbally and through written communication.
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Due to the pandemic my XXXX XXXX membership was no longer open for business. I physically went into XXXX XXXX and canceled my account and also insisted that they notated my account as closed. I have not used the facilities and moved out of state. I have received a collection notice from a law office requesting {$360.00} and collection for a XXXX XXXX. Acct : XXXX. Upon closing my account, there was no past due nor upcoming bills to be in-cured. Please stop this fraudulent attempt to collect debt. I am a XXXX veteran and I feel taken advantage of at this point. Please help me
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Aldous and Associates are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave them any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt was originally owed to XXXX XXXX and Alduos and Associates bought it. The amount owed was {$270.00}. On XX/XX/2020 I paid {$50.00}. On XX/XX/2020 I paid {$40.00}. On XX/XX/2020 I paid {$180.00} making this account paid in full. On XX/XX/2020 I called to ask for proof/receipt of my debt paid in full. XXXX said he would send that over. He sent an email with one payment missing. I called again and they said they would send an accurate one. They never did. My credit has not been updated and the balance actually went up even though they verbally verified it was paid.
|
| 09/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am Submitting a complaint against Aldous & Associates and XXXX XXXX XXXX XXXX Account is reflecting a new account reporting a collection for an Account that was closed more than 3 years ago. This Resulted in my First Delinquent Mark in my credit history With a 35 point deduction.
I have not been provided any requests for collections via Mail or Email with a receipt.
The XXXX XXXX XXXX and Aldous & Associates will not even allow me to pay or provide me information on my account. This includes past receipts, the companies involved did not provide any of these either.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing this complaint to ALDOUS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.
|
| 12/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company is stating I owe {$120.00} times two on a membership that was previously canceled on the mail by letter as suggested from XXXX XXXX. There were two memberships under my account XXXX XXXX ( me ) and XXXX XXXX ( my father ). I received letters for both memberships that were canceled. The gym switched names and ownership but I canceled prior I have an email showing I reached out to the gym. This fee shows no break down of what I wouldve owed or when I stopped paying my membership. This facility has changed names so many times and been know for doing this!
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called Workout Anytime to cancel my membership, I paid all off my fees that were owed per the customer service rep. Then I got a phone call from a collection agency stating they were trying to collect a debt from XXXX XXXX. I called XXXX XXXX and asked what was going on and thy said that fee was a cancellation fee. I asked why didn't they tell me about this fee at the time of cancellation. She said she wasn't sure why I wasn't told about the fee. I paid the debt off with XXXX XXXX about 5 months ago but the debt collection agency is still reporting to my credit.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I sent a XXXX on XX/XX/2022, here is my Certified Mail XXXX XXXX XXXX XXXX XXXX, to remove a fraudulent account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.
Additionally, they are not licensed to collect in the state in which I live, and therefore are violating federal law.
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am being charged a debt that is not mine. I was playing for XXXX XXXX and we were using a gym membership account. My Social Security was never provided. My address was never provided. I do not know how they got my information to assign this bill to me. XXXX XXXX was a professional team in Arizona, and it is currently closed down due to legal issues. They were giving players illegal green cards for them to participate in the professional league. The account that was opened with XXXX XXXX was arranged by the club. The club was responsible for its payments.
|
| 12/06/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.
|
| 11/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and Associates contacted me about a gym membership account that was not owned by me. Someone stole my basic information ( name, birthday, email ) and opened an account under my name. They used an address that was not mine, and a credit card that was not mine and had their name on it. The signature on the gym membership agreement is also clearly forged. I contacted XXXX XXXX XXXX, but they had already sold the contract to Aldous and Associates. I have tried numerous times to contact Aldous and Associates and they have not answered or returned calls.
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt.
I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud.
I am refinancing my mortgage and this is affecting my approval and interest rates.
Please help!
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i sent a cease and desist to ALDOUS and gave clear written instructions to remove themselves from my consumer report with 4 business days from receiving my notice however they keep referring to the communication as a " dispute ''. i know they are breaking a lot of federal laws especially where the federal law states that an attorney can not be debt collector yet they are trying to collect an alleged debt as a third party debt collector. they are failing to follow very simple written instruction which they have been on notice for more than a month.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My minor child was a sent a letter from Aldous & Associates.
I called and asked to speak to a supervisor. Man named XXXX XXXX Assisted me. He became angry when I told him my son is a minor and this was a fraud. He hung up on me. I immediately called back spoke to XXXX XXXX, he forwarded me to XXXX XXXX. I explained that my son is a minor and that this gym they are referring to has been closed down since last year due to the pandemic. The gym also wouldnt allow a minor to sign up.
I also requested a copy of the contract. I was hung up on again.
|
| 10/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a debt collection request from a Aldous & Associates for a debt of XXXX dollars off a XXXX 's XXXX membership that I cancelled in XXXX of this year. I have called them several times to speak to them in person, but only have talked to a automated voice machine.
They did leave the option for me to leave my number but after a quick XXXX search resulting of claims of constant harassment, decided not to leave my number.
I will once I figure out a way to not be innated by robo calls, maybe though an online proxy phone service.
|
| 10/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report on XXXX and was shocked to find Aldous and Associates had sent a supposedly unpaid debt to my credit file unbeknownst to me. Aldous never contacted me in any fashion about the debt, and had simply sent this debt to the credit bureaus, which reduced my credit score terribly. I reported this to XXXX but they did nothing except add a statement that the debt is not known to me. Because Aldous never contacted me, I never had a chance to respond to Aldous or to get them to remove this debt from my credit reports.
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
|
| 09/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A couple months ago I got a phone call from a debt collection agency saying that I owed over {$2000.00}, a rediculously high claim, and that if I didnt pay it off my credit score would be negatively affected. The collection agent then began pressuring me to give him bank and credit card information to resolve this amount immediately over the phone. I was not told I could dispute the debt claim or that I had 30 days to do so. I was repeatedly pressured to give out personal information even after telling the collector I would not.
|
| 03/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I just received a letter from a collector from XXXX with the amount of {$670.00} Reference # XXXX. Dont understand why XXXX didnt contacted me before if they gave all my information until years later after I notified them that I wasnt going to use their service anymore. I dont have a contract with them since it was month to month I dont appreciate the fact that after years without trying to contact me and we me not knowing they sent me with a collector and Ive never been send to collections before since Im a responsible person.
|
| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXXXXXX ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.
|
| 05/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Follow up from the previous two ( 2 ) complaints that were closed, without my issue being addressed correctly.
case # XXXX and case # XXXX Affidavit of Truth and Notice of Default and Opportunity to Cure has been sent. XX/XX/2021 & XX/XX/2021.
The Affidavits and Notices have been ignored and/or responded to incorrectly. The responses from your company also clearly show that my rights have me violated under the FDCPA Laws.
You can not validate a debt. 15 USC 1692g.
You can not state that I owe your company anything.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed up for a membership at XXXX XXXX XXXX on XX/XX/22 and decided to cancel my membership on XX/XX/22. I thought I had paid all of my dues and had canceled my membership. Couple months later I have a debt collection company trying to receive {$150.00} from me. I go read the reviews from XXXX XXXX XXXX and see this isnt the first time this has happened. Ive canceled at other gyms and have never had this issue. Im barely trying to build my credit now this is going to be a bad look applying for credit cards and loans.
|
| 10/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX makes it impossible to close account. I tried calling, E-mail long them, sent a letter to XXXX, went to local club, and tried in website but no resolution. I thought account was closed and but they started sending me bills for services I no longer use. Then they for a collection agency Aldous and Associates to harras me constatntly. I did not take calls, I dont accept numbers I dont recognize. I never got a formal letter stating I owed their bogus charges. I need them to take claim out of my credit report.
|
| 06/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To whom it may concern : I was contacted by Aldous & Associated regarding a contract breach with planet fitness for the amount of {$150.00}. I have not been to the gym in over 6 months. They would not let me in the gym during a virus quarantine in XXXX NJ without a mask on. I can not wear a mask for health reasons. I asked for a breakdown of the charges and they refused to provide that information and said they will report me to creditors and hurt my credit score. Any advice would be greatly appreciated.
Thank you
|
| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The collections company, " ALDOUS AND ASSOCIATES '' representing " XXXX XXXX '' has attempted to collect a XXXX dollar debt from my account even though I continue to get charged my monthly subscription like normally. I was never late on my billing date, and all of a sudden I get charged XXXX dollars out of nowhere. Countless phone calls and I always get put on hold, on behalf of " ALDOUS AND ASSOCIATES ''. This collections company will continuously put me on hold and then the call will drop after an hour passes.
|
| 01/27/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being sent harassing debt collection letters from Aldous & Associates for a {$300.00} debt from XXXX XXXX. Previously {$150.00} They state in the letter that XXXX XXXX has developed an Amnesty program for deliquent debt. Which reduces the owed amount by {$150.00}. I have contacted XXXX XXXX and they have stated there is no such program of theirs. XXXX states they have no knowledge of my account anymore.
I have not dealt with XXXX or its retailers in over 4 years. I have no outstanding debt with XXXX XXXX.
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection name : Aldous Associates representing XXXX XXXX gym litterally took my account to collection. I signed up for XXXX XXXX for 1 month in 2018 and cancelled my membership thereafter. Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. Please help in removing this erroneous debtor on my report.
|
| 11/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Have been receiving phone calls, followed by letters from ALDOUS & ASSOCIATES , PLLC XXXX XXXX XXXX XXXX, UT XXXX since 2021. It is for a gym that closed during pandemic, but this debt collector is claiming owed funds and sent a contract with forged signatures and initials, unknown bank account and incorrect birthday. Phone number XXXX on letter is not working. Have spoken with them on phone, returned emails with evidence, and sent copy of fraud investigation but still harassing as if nit received/do n't care
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALDOUS, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given ALDOUS whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALDOUS, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given ALDOUS whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
|
| 02/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and Associates is a law firm supposedly hired by XXXX XXXX. I formerly had a month to month agreement with XXXX XXXX. This gym location closed during covid.
I never heard of XXXX XXXX and never signed an agreement. i never received notification of the gym closure.
I requested a copy of the alleged contract from the debt collector but they refuse to provide and request I pay {$180.00}. Acct. XXXX XXXX XXXX Meanwhile, they reported this debt to the credit bureaus causing damage to my credit file.
|
| 06/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I have checked my Credit Report and I saw 1 account in collection with Aldous & Associates , PLLC regarding XXXX XXXX. I went to the gym around in XX/XX/XXXX to cancel the service and paid off all the balance I was owing. One year later I discovered the were taking money from my account without my knowledge. I called to my bank to stop those payments. I have not gone to the gym since XXXX. I can not believe they are trying to charge me {$83.00} more after they had gotten free money for more than one year.
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In the letter by XXXX XXXX XXXX XXXX, they have send me a debt collector. Total amount " owned '' was XXXX and decided to drop it by 50 % coming at a XXXX.
Treated to ruin my credit for a debt not owned by me. As I already paid in full to the previous company. XXXX XXXX XXXX XXXX XXXX said in written and I quote " Any negative credit repot reflecting on your credit that has been or may be submitted to a credit reporting agency will remain if you fail to fulfill the terms of your credit obligation. ''
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've reached out to this company about this debt, I have no contract or obligation to pay a debt to this company. This debt is not mine and I have no obligation to make said payment to this company. I have asked this company to provide evidence that I owe them a debt and they have yet to do so. I've asked this company not to reach out to me and they are continuously emailing me and sending mail which is harassment, which is a violation of15 USC 1692 ( c ) of the Fair Debt Collections Practices Act.
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Aldous and Associates is reporting a erroneous debt on my credit file. I never received a call or notice about this debt and it was until i checked my credit that i noticed this debt. I have since called and paid the debt. Like i mentioned i was not notified about this debt and that violates my 30 day right to dispute. I have requested they remove the collections from my credit file as i was not notified about the debt and they refuse. I need these collections removed from my credit file ASAP.
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have identified information on my consumer credit file that is a direct result of identity theft. This item not related to any transaction completed by me. The company ALDOUS I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and XXXX XXXX and all three agencies have had data breaches. I have filed an FTC report and a police report with my local agency.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2021 the membership was canceled due to medical conditions making it so I couldn't go to XXXX XXXX. This was done in person at XXXX XXXX. Now I am receiving emails from a collection agency demanding payment of over {$300.00}. I have emailed them back asking them to verify the debt. No documentation has been mailed to me from them at all. I called today and was hung up on and told to pay something I owe. I'm not paying for something I have been medically told not to exercise for.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX advised me that my debt was settled and I did not owe anything in my account. However they are listed on my account under Aldous and Associates for over {$600.00}. Back when I had the account I became physically Ill and XXXX XXXX advised me to give them a letter from my doctor stating that I could not use their gym. I did give them a letter from my doctor and they advised me that my account was settled and I didnt owe them anything. I need this account removed from my record.
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I was looking over my credit report and see 2 accounts from this company I have never heard of on behalf of XXXX. I do not owe Aldous and Associates anything in fact I demand they show me a contract between myself and them saying otherwise. I searched their site and they claim to be an attorney 's office which is a violation of the FDCPA. They also did not notify me prior to reporting these accounts on my credit which is also a violation. As a so called law firm they should know this.
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ALDOUS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
ALDOUS ( original creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$130.00}
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted Aldous & Associates to advise them that payment was made directly to XXXX. The rep became hostile and stated I still owed the debt. I informed the rep to contact XXXX to verify the payment was submitted and the account was cleared. The rep declined and started shouting on the phone. The rep did not allow me to speak and he was very disrespectful.
I told the rep several times to stop contacting me, because the account was paid off. He refused XXXX is the name of the rep
|
| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XXXX Aldous & Associates, P.L.L.C. agreed to a settlement of XXXX for violating communication tactics according to FCRA guidelines. It has been 3 weeks and I have not heard back from them after I sent certified mail agreeing to the settlement of the XXXX. It makes no sense that I have to communicate with this debt collector agency via The XXXX XXXX XXXX to receive any communications. I have sent over 5 letters which were all ignored until I filed a complaint through CFPB.
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2020, I discovered that a debt collector, ALDOUS AND ASSOCIATESXXXX reported that I owe {$150.00} to the original creditor XXXX XXXX. In response, I sent a debt validation letter the same day to XXXX XXXX XXXX XXXX, UT XXXX, pursuant to 15 U.S. Code 1692g. I have not received a written notice nor any other form of communication in response to the debt validation request letter I sent on XX/XX/2020.
|
| 06/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
|
| 02/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 I paid a debt that went into collections with Aldous & Associates, the terms of this payment was pay for deletion. Aldous & Associates did not live up to their end of the agreement and did not report this agreement to the credit bureaus. I have called Aldous & Associates many times and they refuse to acknowledge the agreement. They now hang up the phone on me every time I call. They are rude and use misleading information and false promises to collect debts.
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When trying to resolve the supposed amount owed with gym trainer at XXXX fitness, I asked for a copy of contract agreed upon having stated I refused to pay him after him mistreating my son whom was using the sessions purchased too. I paid for sessions already used only, and refused to pay any further sessions not used. The gym trainer nor manager would provide me with proof a written contract of debt owed, and instead sent me to collections for a bogus amount charged.
|
| 11/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX Credit Bureau is reporting inaccurate information on ALDOUS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Aldous & Associates have intentionally attempted to harrass me. The company has called multiple times and when I answer there is a prerecorded message demanding that I call to make a payment. I have advised several representatives to stop calling. Every time I block XXXX number they start calling from another number. This company has called me during my work hours. They have called me while I am in bed going to sleep. They have made this matter a complete nightmare.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence.
I, XXXX XXXX XXXX, have gathered all this information for litigation.
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, XXXX XXXX
I have done so twice as well as waited the required amount of time by law.
This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me.
Documenting all this information for further litigation.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company placed a bet on my credit file without giving me any written notification at all. Not only that when they responded to my initial complaint with you, they published an address. An address I didnt even provide to you that violates the FDCPA and giving out personal information. Cant wait for an attorney to get a look at that one. Now my settlement offer to them as of now {$2000.00}. I get an attorney theyre gon na pay more than that in attorneys fees.
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX.
I have done so twice as well as waited the required amount of time by law.
This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me.
Documenting all this information for further litigation.
|
| 04/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company involved in the case : 1. XXXX XXXX 2. Aldous And Associates ( XXXX ), I noticed after opening my XXXX XXXX credit report a collection from the above companies amount of XXXX dollars which was opened on XX/XX/2019. i didnt receive any calls nor any mails.
I immediately called XXXX XXXX to solve this problem, even though i have no clue of the charge, i paid it off since its effecting my credit.
Its been a long time and the collection is on my report.
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This letter is in response to your responds to CFPB with closed complaints with authorization needed, Is it not clear that I have attached my Driver 's License and Social ID to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
|
| 09/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability.
|
| 10/18/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Called a company called also us and associates but it was a scam article in XXXX search. They wouldnt take my payment for the debt but tried convincing me to dispute the debt. This was after he took my info. I.e credit card info, social security, date of birth, and address, and also email. The attached photo is a screen shot of the email sent from said company they wanted me to sign a contract. My name isnt even spelled right and that was my first red flag
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
on XX/XX/2019 Aldous And Associates opened up a collection.
account number {$130.00} that I owe I have never signed any written document saying that I owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureaus.
XXXX XXXX
|
| 10/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX ceased operation in XXXX All accounts were paid with {$0.00} balance, and the company formally notified all members that contracts were ended.
Received a phone call, email and letter this year from ALDOUS & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. Each time the amount is increased, as though still billing... claiming {$150.00}. I explained and replied earlierthis year, and still receiving billing notifications.
|
| 05/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 12/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I first learned about this when it showed up on my credit report. I disputed the debt in question through the credit reporting agencies to have it investigated. Both XXXX and XXXX investigated and removed the error off my credit report. But the collection still remain on XXXX. I reached out to the fitness company in question but they were uncooperative only saying " they didn't have a record and that is perhaps because it went to collections ''.
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I made a dispute about this alleged debt Aldous and Associates were trying to collect from me, but this company did not respond within the XXXX days time period to investigate my dispute to resolved my complaint ; Therefore, I demand this company removed this collection off my report or I will sue this company with clear evident I can prove to the court that this company violated my consumer rights under section 809 and 15 usc 1692k ( a ) ( 1 ).
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was unaware that I was in debt to a gym. Nobody has called me nor reached out through mail to let me know that any debt was owed. Today I opened my email to see a change on my credit report that says my credit score dropped because of debt that is in collections. Because nobody reached out to let me know this seems unfair that my credit score is impacted over a debt of less that {$90.00}. What is the protocol for these collection agencies?
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
A debt collection agency contacted my son regarding a supposed debt he owed our gym, XXXX. He is signed up under our family plan, has never signed a contract, I signed the contract and was less than XXXX when I signed him up. We have an email confirming the request to place his account on hold while he was away at XXXX. When I told them this, the caller told me my son 's birthdate and advised me he 's XXXX now so is responsible for this debt.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.
|
| 10/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i want to dispute all of this debt. I canceled my gym membership a while back and now im getting a letter that a owe them money when i was never noticed of this. The letter claims XXXX fitness retained a law firm called Aldous & Associates to collect the total amount as a result of my defaulted contract with the company. which makes no sense to me because you cancel my membership months ago and now im receiving this letter.
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is my first time contacting you regarding this account. I have viewed my credit reports and noticed a collection account from Aldous is reporting on my reports. I sent them a request for validation on XX/XX/2022 and the tracking number is XXXX XXXX XXXX XXXX XXXX with USPS. As of today I have not received a response or any proof of the alleged debt. I am demanding this account be deleted from my credit reports asap.
|
| 11/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXXXXXX XXXX XXXXXXXX Florida ( Previously XXXX XXXX XXXX Florida ) had been charging me rent after my departure. I broke the lease, but following my departure tenants had signed the lease for the same unit, meaning XXXXXXXX XXXX was charging the following tenant AND me at the same time. The amount is {$9100.00}.
The account was then sold to the debt collector Aldous and Associates and put on my credit report.
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation.
|
| 12/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I applied for a membership with XXXXXXXX XXXX and was advised if i canceled within 30 days it would be removed and i did which i attached to the debt collector and they continued to Harras me requesting a debt that the gym was aware that i no longer owed. The gym refused to acknowledge the cancellation they gave me and sold a debt i did not owe. and attached you will see the noticed from Aldous and associates.
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is trying to collect a debt that isnt owed. Ive researched it by calling the original creditor and asking them to email receipts to me, which they have done, which prove that there is no debt to be collected.
This company also did not send a debt verification before starting these bogus collection activities. This is for a gym membership that I canceled years ago and for which no balance exists.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was not sent in erroXXXX XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report.
Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the second complaint. The original complaint detailed how I lost my job due to COVID and had to move away from the health club. I sent both calls and emails to the health club informing them I moved away and I was seeking to cancel my contract with them. The earliest email I have was on XXXX XXXX, 2020. The debt collection agency claimed that I only cancelled in XX/XX/2020, but see the email attached.
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I started attending XXXX XXXX XXXX I dont remember the exact month but what I do know is that my last day was XX/XX/XXXX and I never went back to that gym so I dont think I should have been charged when I wasnt going and I have proof it says I owe {$380.00} Im not understanding how and why should I be paying this if I wasnt attending this gym since XX/XX/2023. I should only be paying what I owed since then
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They are charging for having a gym membership when I had stop paying for it since I got a new card and they still have the audacity to keep charging me and now I dont even have money and they want me to pay something I never told them to do and I called them saying Im not funna pay and they just hanged up on me its been like half a year since I had stop going to the gym whole time I been getting charge smh
|
| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reached out to the credit bureaus and the creditors XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and ALDOUS ( Original Creditor : 05 XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been contacted repeatedly by phone and email daily. This account was closed properly and was continuing to bill my credit card. I cancelled the card and immediately began receiving threatening calls from this debt collector. I have requested several times for documentation and proof the account was open. All were ignored. If possible I would like to pursue them as my credit report was affected.
|
| 10/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
What happens in the time for the covid 19 I went to the company XXXX to cancel my account and the said is okey but want to get my account in hold I said no so I signt a paper to closed my membership but the company didn't make after or 5hat they closed the XXXX for the covid 19 and they still charges in my account evening the XXXX XXXX was closed I don't think is fair also they send my to coleccion
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXXXXXX XXXX XXXX XXXX - reported to collections agency aldous and associates. Date opened XX/XX/2019, balance {$130.00} I have contacted both the collections agency and the XXXX XXXX to request the information as to why this account is open eventhough it's not mine. And I was not provided any information nor account number.
I have contacted all credit bureaus to create a fraud alert
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I requested an original Contract from Aldous And Associates in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX My XXXX is XXXX XXXX, but he does not and has not ever gone to XXXX XXXX
We go to another gym. How can you please stop sending me this letter? This is the same name, but not that person who has ever even gone to the gym.
My XXXX was born in XXXX. That is the only piece of info I am giving you. please stop sending these letters to my home. This is not our debt. Thank you
|
| 11/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired.
I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
|
| 04/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a notification that there has been a change to my XXXX XXXX credit bureau. Imagine my surprise when a collection agency Ive never heard of and have no communication with play some erroneous amount on my credit bureau. Remove this collection from my credit file and Im thinking {$1000.00} for the damage that youve done to my credit. Next I hire an attorney.
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have spoken with my local gym ( XXXX XXXX XXXXXXXX, TN ), they have told me there is no record on file for a debt owed, a " law office '' from XXXX, UT ( XXXX ) is calling me saying they have a file from the gym. They have stated they have sent me a record for collections, but I have not received anything. The local gym has also stated they do not use an outside credit agency.
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 12/08/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 01/28/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are trying to pend me to a debt that is not mine I had them send me a copy of document to prove it is me that they have. The signature if not even correct also haven't lived in that address in like XXXX I have a reason to believe its an ex friend of mine that has added me who ether works there or just decided to add me. I have no relationship with the company what so ever!
|
| 12/09/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The XXXX information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid a debt with aldous debt collectors and the inquiry is still coming up on my credit report, which is effecting my credit for buying a house. it was paid in XXXX of 2022. I called the company and asked them to take it off my credit report or give me proof that the account is paid and they wouldn't, and said that they already sent proof. The account number was # XXXX
|
| 11/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Aldous and Associates were hired by XXXX XXXX. I cancelled my membership and the fitness company continued to charge me. Aldous and Associated place the owed amount on my credit report, however I paid this company in full. When I disputed the case with XXXX, they still did not show that the account is paid in full. I feel this is fraud and I want the information updated.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have settled a debt with Aldous and associates on XX/XX/22 and they have not cleared the debt to the credit reporting agencies. Worse yet, they also have other collections made in my name ( no social attached btw ) that are another person not mine ( I dont even live in Utah and never have! ). When I told the associate this, she hung up on me so it remains unresolved.
|
| 03/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a member of XXXX XXXX in the summer of 2021. I canceled my membership cause they discriminated against me for having a XXXX XXXX. I agreed to pay one month 's membership cause they were threatening to report false information on my credit report. I set a cerfted letter to Aldous and associates. They continued to harass me and call and send a threatening letters
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My membership was cancelled with XXXX XXXX and they still attempt to collect after telling me the membership was cancelled. They have horrible business tactics and have no sent it to collections.
I also wrote and sent them an email requesting the cancellation again to main branch with the other letter given to me at the other branch attached. Both are included.
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
during Covid from last year, the gym membership was closed as a state law mandated the members were not obligated to make payment .XXXX XXXX charged me even the gym was closed and sent me to collection .They also have a duplicate collection under my name, the one does not belong to me .I am requesting the credit bureaus to verify the inaccuracies and delete them.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Aldos & Associates keeps changing the date on a collection from 2017 gym membership. It was for a free trial I forgot to cancel. Because I didnt renew and keep this membership they placed it into collections. This is unlawful and I can prove this issue is from 2017. The fact that I care should display character that Im being honest. Please help me remove this.
|
| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX Account Aldous And Associates.
|
| 05/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today I received a notification from my credit monitoring service that this interloper has reported that I owe them money for a gym membership that I cancelled. I cancelled this gym membership last year but the company still continue to try and charge my credit card without my authorization. I had to actually cancel my credit card and get another card issued.
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a collection letter from Aldous & Associates for a collection on a gym membership of {$93.00}. they were extremely rude and threatened to ruin my credit. The representative also hung up on me while I tried to explain.
I am a college student and dorm. I was never a member of this gym, nor did I sign up for this. This is not my debt.
XXXX XXXX
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and Associates is trying to collect on XXXX XXXX membership fees for me, my wife, and my daughter. We have never even stepped foot into a XXXX XXXX and have no agreement with them. We dont even live close to a XXXX XXXX. I have disputed the debt with no response and continued collection efforts with threats of negative credit bureau reporting ...
|
| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 a letter from Aldous & Associates was mailed to me in an attempt to collect a {$60.00} debt due to XXXX XXXX. I've previously cancelled my fitness membership with XXXX about a year prior to this letter, and have had several e-mails sent to them about this issue. I have cancelled my membership and yet was being charged month after month.
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Aldous & Associates Contacted me today. I do not own any debt with them. How dare they! Is Debt collection essential during a pandemic?? people cant even pay their bills because a stimulus check is still absent & unemployment benefits are back logged, HOW DARE THEY try to call collecting debts during a NATIONAL CRISIS this should be STOPPED ASAP!!!!!
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Up until a week ago, I was informed of a {$240.00} balance under XXXX XXXX which has turned into a debt collection. I was never emailed, called, or spoken to directly by XXXX XXXX. I have not attended XXXX XXXX within the past three years nor did I sign up for a contract, it was a month-to-month cancel-free subscription which I canceled in 2019.
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ive tried canceling with XXXX XXXX since XX/XX/2021. Ive tried online on the website. Tried calling and emailing them as well. They have made it extremely difficult to cancel a simple membership. Its almost impossible to cancel. I still do not know how the cancellation process works since I tried the XXXX methods ( website, calling, emailing ).
|
| 11/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ALDOUS AND ASSOCIATES PLLC XXXX XXXX XXXX XXXX, UT XXXX
HARASSMENT FOR OVER A YEAR WITH CALLS, FRAUDULENT LETTERS WITH FORGED AND INCORRECT INITIALS, BANKING INFORMATION, BIRTHDATE CLAIMING DEBT OWED BY A CLOSED GYM THAT PERSONALLY ANNOUNCED ENDING AND RIPPED CONTRACTS IN PERSON. HAS NOT RESPONDED TO EMAILS AND CONTACT NUMBER IS NON WORKING
|
| 03/07/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection has been put on my acct from AIdous and Associates have no knowledge of this acct nor did I receive anything for this debt to be validated I have never even been to a XXXX XXXX this needs to be removed ASAP. I have worked hard to get my credit together after al the isnt thwft and refuse to allow something fraudulent on my credit
|
| 10/07/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 03/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 I received a notice that I have an account in collections from Aldous and associates on behalf of XXXX XXXX XXXX XXXX. The open balance shows {$280.00} when it was actually {$230.00} owed.
As of XXXX XXXX the balance has been completely paid but it is still showing a deliquent status in collections on my XXXX report
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX continued to charge me after my account was closed due to XXXX. The balance went to the collections Agency Of Aldous & AMP ; Associate. I settled with them for the amount of {$74.00}, part of the agreement was to have it removed from my credit report. That was done on XX/XX/2022 and it still shows on my credit report.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I noticed a collection account on my credit report for a fitness membership I never had nor have ever been to. I have received no notice about the attempt to collect this debt either written or otherwise. I ask that the company cross reference the name/SSN and/or provide required written correspondence to my at XXXX. Thanks.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This ALDOUS ( XXXX XXXX XXXX ) collection has been paid and is inaccurately reporting on my XXXX report. I have sent multiple complaints to have it removed. It has been removed from XXXX and XXXX so now it is in violation of 15 USC 1681eb for inaccurate reporting. I have attached my last dispute letter to transunion.
|
| 02/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ALDOUS & ASSOICATES PL at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 12/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX XXXX is trying to bill me for my nephews outstanding bill of {$250.00} he was XXXX when he signed up so I added myself as adult he turn XXXX on XXXX of XXXX and we called to remove my name and put Him as responsible party with his info. Now he has moved and not be paying his bill so they are coming after me.
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Aldous is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I had never received a phone calls, notice or letters about this debt and that violates my 30 day right to dispute. I need this account removed/fixed ASAP.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
This is just a follow of with the company with the eviction notion the company asked for more detailed information. The eviction is from XXXX XXXX XXXX XXXX in XXXX Indiana. This currently has me homeless because it has a false eviction on my credit and every apartment is denying me because of this eviction
|
| 06/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i have been getting repeat calls from this company for a XXXX membership that i closed while i was in the club. I was never notify of any bills due after i submitted the cancellation form to the club and the club has never communicated with me as far as balance being owe. I need this debt to be validated.
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Aldous XXXX XXXX XXXX Inaccurate and inconsistent date opened Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.
|
| 07/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ALDOUS Collection agency is reporting an account in collection. This account was paid off ( it means it is not longer in collection ) and stills showing in collection.
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 U.S.C. 1681 Section 602 A states I have a right to privacy.
15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/22 I received a notice on my credit report that Creditor Aldous & Associates added a derogatory mark to my credit report. I had no idea ny company was out to collect a past debt. I received no documentation of the debt from Aldous & Associates nor had any communication until this point.
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.
|
| 11/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I cancelled a gym membership with XXXX on XX/XX/2020. I received confirmation it was cancelled. Today I received a letter from a Collection Agency stating I owed a balance to XXXX. I asked them what period it covered, because my membership is cancelled. They said they did not know.
|
| 11/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud.
The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.
|
| 06/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and associates failed to provide a liable signature document showing proof I went to blink fitness and also refusing to remove that fraudulent debt account from my credit report or send any formal documentation or agreement to prove that the collection account is mine
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
please reference attachments for complaint, exhibits and specified remedy below is attacheed my current complaint dated XXXX exhibits of the incorrect amounts with dates the complaint/previous complaint sent to the Attorney general and Aldous & Associates .
and an invoice
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company didn't make an attempt to enable a timely dispute regarding the debt. As their phone number doesn't connect and there is no email address given, it is clear to me that this company wants to force a payment, regardless of if this debt is actually owed or not.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Aldous is reporting a fraudulent account on my credit. I have filed disputes with the company and the three major bureaus and yet they persist to report account. This account is complete fraud and I shouldnt be held liable for it. Please see my FTC report attached below.
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was charged XXXX for and apartment I never moved into. I informed the leasing office prior to me moving in that I would not be moving in. I never had a lease agreement. They still charged me XXXX for unpaid rent but I never lived in the apartment.
XXXX XXXX NC
|
| 09/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is not now nor has there ever been a consensual contract with this company. No personal information was ever supplied by consumer, the reporting of derogatory account activity to XXXX and any other Credit reporting agency is extremely harmful and fraudulent.
|
| 09/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company failed to provide any official mail to my address to verify this debt, I asked for footage of me physically entering the gym and I also asked for a liable signed document that I obtain a membership and this gym and they failed to provide no evidence
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The payment was made in full as agreed, and the service was cancelled after agreement was fulfilled. Called the debt collector company, super unprofessional, on top of that making threats and harassment phone calls.
As for the proof of debt, failed to provide.
|
| 02/15/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I keep on getting calls from this Aldous & Associates collection agency. They are claiming that I owe a debt for a gym membership, the thing is I have already delt and payed off this debt with my gym physically in person. I still keep receiving calls from them.
|
| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Contacted XXXX XXXX, XXXX XXXX on XX/XX/XXXX, they stated I owed {$190.00}, I paid it on XX/XX/XXXX. The representative said that she waived the {$23.00} fee and cancelled the account. There is a collection on my credit report for {$260.00} from XXXX XXXX.
|
| 10/17/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Debt collector keeps calling a leaving messages. They claim they are a Law firm. The " law firm '' is in Utah. I do not live in Utah. Please investigate this company. They use scare tactics to collect on old debts that should be off the records of consumers.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
|
| 10/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was living in XXXX XXXX before XX/XX/2023 I cancelled my membership with XXXX XXXX XXXX in-person. He said you good to go. However they still charge me. I called my bank to put a stop for XXXX XXXX Now they send me collection. This should be illegal.
|
| 12/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and Associates has been been trying to collect money from me and I never had any contract with this company or XXXXXXXX XXXX This is in violation of consumer laws article 15 section 16/11. and 15 USC 1671.4. I never ever new about this account.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company called ALDOUS is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my XXXX credit report.
This account is NOT mine and is being reported fraudulently and unlawfully.
I am a victim of identity theft with this account.
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous reported this collection account that is not mine it is fraudulant it states original Creditor is XXXX XXXX XXXX XXXX for {$700.00} no address or telephone or account number to contact is listed in my credit report to contact company.
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I am being charged XXXX dollars as a debt and I signed nothing pertaining to the apartment the apartment is called XXXX XXXX in XXXX North Carolina I never even signed any paperwork to move in or anything just did an application that all.
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX XXXX Aldous and Associates said I owed a balance of {$300.00} after I told XXXX XXXX XXXX XXXX that this account under my name was fraudulently opened. I have never been to this establishment and Im sure their records will show.
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ive received several letters from this collection office and we guards to collection of a gym membership. I have disputed the amount of this collection and they refuse to send me documentation proving the amount owed that they claim.
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i had received a letter from a collection agency claiming to be a law firm to collect a debt that isnt mines from a gym membership that supposedly opened by me.i had never attended this gym XXXX XXXX XXXX because i live in florida.
|
| 10/01/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX and associates reported a new collection account in my credit report with out sent me any letter to state that I have the right to dispute. I do not own anything to them but they damaged my credit with reporting negative mark
|
| 10/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX and associates reported a new collection account in my credit report with out sent me any letter to state that I have the right to dispute. I do not own anything to them but they damaged my credit with reporting negative mark
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sign up for XXXXXXXX XXXX XXXX XX/XX/2019 and Covid hit then I cancel my membership by visiting the office. Then I never went back but they are saying I did not cancel the membership. They told me I have to pay {$280.00} now.
|
| 07/16/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently discovered an account reporting on my credit report that I didn't know of for a cell phone contract in the amount of {$400.00}. No attempt was made to contact me in regards to the debt and the collection is inaccurate
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$220.00}
|
| 07/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Aldous is collection company for XXXX fittness center, i have never been a member no i have ever been to thier gym, apparently it was open XX/XX/2017. this has been impacting my credit, i beleive i am victim of identity theft.
|
| 08/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
i never approved of the company.to use my information and would like proof of signature. And would like this account to be closed and {$110.00} removed. From my credit. Report profile ASAP for it is damaging my credit. Report
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Ive been getting harassed for quite some time Im getting told Im going to get sued/ arrested for something I didnt even do I even contacted a buddy who works in that company he says that what the job is doing is 100 % wrong
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$220.00}
|
| 10/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I used to live in XXXX XXXX and used to go to XXXX XXXX, but during a pandemic, they closed the gym and their services, and I stopped going and moved to XXXX. They want me to pay XXXX dollars for the service I never used
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company calls me everyday and does not say anything when I answer! when I call back, its an automated call rather than an human, They even called my XXXX yr old XXXX phone and falsely reported on my credit reports!
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX ACCOUNT- {$91.00} dollars has been sent to collection for a time period I was never a member. This is fraudulent and needs to be removed ASAP. XXXX previously agreed to remove this amount and never took care of it.
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these items that are not mine and i want them to be removed.
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/, I sent a debt verification letter to Aldous & Associates , PLLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
|
| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : XXXX
|
| 02/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX Apartments charged me {$9000.00} for an apartment I didnt reside in in XXXX. It is XXXX and Im still being affected by this. I called and left emails to let them know and they failed at answering my questions.
|
| 05/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account with this company Im a sick man with XXXX and cant even go to the gym, u reach out to this company many times but for whatever reason theyre not investigating this account and wants me to pay
|
| 11/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Company place fraudulent debt on my credit report from a gym located in Georgia Im a XXXX of XXXX I put in a ftc report and locked my credit also company called and threatened told me my credit would be affected
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are trying to charge me the debt of like 6 months or so when if anything i didn't sign a contract with the gym and all they ask is a month after if you cancel it so I don't get how they can get away with it.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I didn't received any information about a debt. Also didn't receive a debt validation letter verifiying any debt. I didn't authorize ALDOUS & ASSOCIATES P.L.L.C institution to purchase and any existing debts.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/XXXX amount {$720.00} XXXX XXXX XXXX XXXX sold my information to XXXX XX/XX/XXXX AMOUNT {$600.00} XXXX Sold my information to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold my information to XXXX
|
| 12/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I am on active Military duty, and I canceled the card used in my gym membership since I wouldnt be home and now I am XXXX $ in debt to a gym membership I was not even home to use or have a card for.
|
| 05/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
ALDOUS AND ASSOCIATES Reported : XXXX XXXX XXXX {$1300.00} I have reported this to the credit reporting agencies many times, and not nothing prevailed to solitify the issues in a resolution.
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several letters for this company to verify this debt to no avail. They simply don't respond. This debt should not be on my credit file. They wont or cant verify the debt is mine.
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Tried to cancel before they tried charging me and they refuse to and kept asking to freeze my account and was put in a uncomfortable situation to say no and felt force to keep the membership
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Aldous & Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
|
| 10/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Fair Debt collection Practice Act Section 807 violations Misleading false reporting FDCPA 806 VIOLATIONS harassment or abuse FDCPA 805 Communication in connection with debt collection
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
No proof of debt. Only sending lease and IP address signed. What is debt for? What are charges for? All rent was paid in full. This debt is also roommates not my own, photo proof.
|
| 04/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Affidavit of Truth was sent out on XX/XX/2021. A response was received that was responded to incorrectly A Notice of Default and opportunity to Cure was sent out on XX/XX/2021
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE A COLLECTION REPORT STATING THAT I OWE {$280.00} FOR ALDOUS AND ASSOCIATES CONCERNING XXXX XXXX! I DON'T KNOW WHAT THAT IS AND I NEED IT REMOVED FROM MY CREDIT REPORT!
|
| 07/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Ive been receiving calls from this debt collection company for months! Ive been blocking numbers but they keep calling from different numbers and constantly harass me.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have this account that is not mine and i want it to be removed.
1. Identity Theft XXXX ( Original Creditor 05 XXXX XXXX ) Account Number : XXXX This is not mine.
|
| 02/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ALDOUS is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XX/XX/XXXX date happened Aldous & Associates , PLLC collection agency XX/XX/XXXX first contacted by the debt collector {$240.00} total debt that they claimed I owe
|
| 12/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am being robo-called repeatedly by the number XXXX attempting to collect a fake debt.
This is a scam caller and needs to be reported to authorities.
|
| 05/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Aldous & Associates with letter ask from copy of my wet signature of contracts of a membership that I never signed for. Its not valet debt.
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Aldous & Associates sent me a letter that was full of profane language and threats. I am attaching my Notice to Dispute and Debt Validation Request.
|
| 11/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This account was deleted to XXXX due to the fact the company inaccurately report my account, Im requesting the company to delete in all platform.
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous and Associates falsely Reported collections on my Credit Report!
This is not my account, Nor has this company contacted me to prove so!
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Even after being informed, they were sending information to the wrong address. They sent more information to the wrong address and now I have
|
| 10/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Was charged with {$410.00} debt from XXXX, called and canceled the end of XXXX before I went to basic training for the XXXX on XX/XX/2023.
|
| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I have reason to believe my account was hack do to identity fraud during XXXX XXXX and any inquires dated previously or any future uses.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX advised this is not me and I did not sign up for any membership also. They have called me over 10 times in one day demanding money
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received letter in mail saying I owe a XXXX XXXX XXXX cents and I never been to this gym not one time or signed up for this membership
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ALDOUS is claiming that I owe them {$910.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 10/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Illegitimate company tried to say i owed them money. They are harassing me and threatening to damage my credit if I do not pay up.
|
| 03/07/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is not mine please see the attached FTC report. I have no knowledge of this account nor have I been to XXXX XXXX.
|
| 01/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I do not know what this is about. It was a computer and now they say they are part of a law firm, Aldous and Associates,
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
THEY CALL ME EVERY DAY!!!! all hours, constant empty voicemails! I have never been to the state they are located in.
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am asking for them to validate this debt. I have never done business with these people or communicates with them.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Aldous XXXX XXXX, XXXX. Added a fraudulent collection to my credit report and I have never went to blink fitness
|
| 09/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a bill from XXXX XXXX. I have never been there. Dont understand why I am getting a bill from a lawyer.
|
| 06/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive written correspondence from collectors. I did not know this account was in collections.
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2020, I paid in full the {$400.00} debt owed to XXXX XXXX, which was sent to collections.
|
| 05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted agency to request validated and sent me a letter of unsigned contract without my info.
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX memebership stated I owed XXXX collection agency is harassing me stating I owe XXXX.
|
| 03/29/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im a victim of identity theft someone got my information and opened up accounts in my name
|
| 03/17/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've been trying to pay this but that company is not willing to negotiate the amount.
I
|
| 10/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I asked the company to delete the collection account in XXXX and they refused to do so.
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Did not receive any letters from ALUDOUS. Asking to dispute this as soon as possible.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I never had an accouunt with XXXX XXXX. Identity. Theft victiim.
Acct # XXXX XXXX
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
reporting not valid and unauthorized
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
identity theft
|
| 02/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Postal mail |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Postal mail |
|
|
|
| 04/05/2019 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/25/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/15/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/09/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/30/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/10/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/28/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/16/2018 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/30/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/29/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/24/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/18/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/29/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/15/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/11/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/09/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/27/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/16/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/15/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/24/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 03/13/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 11/24/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/24/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/06/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/30/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/10/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/22/2017 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
Servicemember |
|
|
| 03/18/2017 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/21/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
|
| 07/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 06/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 11/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 06/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 05/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
Older American, Servicemember |
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 06/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 06/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 05/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 04/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/17/2014 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/06/2013 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Servicemember |
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|