| 05/13/2023 |
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 |
Older American |
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Dear American XXXX XXXX ( ACI ) and XXXX, IN RE : XXXX Account under Email Address XXXX This is a formal notice to cease and desist and a formal demand and preservation letter.
I am hereby disputing the amount of {$5300.00} referred to American Coradius International ( ACXXXX ) for collection by XXXX.
These items were sold via XXXX, tracking information that matched the buyers address was provided, and XXXX marked such transactions as eligible for Seller Protection.
American Coradius International ( ACI ) and XXXX is to cease any attempts to collect on this amount and immediately cease from attempting to report such amount to the credit bureaus.
The negative balance under said XXXX account is to immediately be removed.
Any action in violation of the demands herein will result in further legal action being taken.
In accordance with XXXX Seller Protection terms and conditions the negative account balance of {$5300.00} SHALL be removed from the XXXX Account Balance under Email Address XXXX and this collection account must be closed within 5 days because as acknowledged by XXXX Representatives and as included in the documents attached the transactions are marked as unauthorized by the buyer to the buyer 's financial institution and XXXX marked the transactions as eligible for Seller Protection and the representative acknowledges that tracking information was provided that covered the buyers address.
XXXX Representatives also emails me an acknowledgment was sent via the message center by a XXXX employee that these two disputes were still open and that while they were open this amount did not have to be paid and no collection efforts could take place concerning these amounts anyway, therefore, this amount should have never been referred to collection.
All screenshots and downloaded provided herein were provided by a XXXX representative and were emailed to me.
XXXX dispute # XXXX XXXX XXXX by XXXX Seller Protection as an agent has acknowledged it is marked as eligible for such protection and because it was unauthorized and tracking information was uploaded for such that covered the buyers address. This transaction was for {$2100.00}. XXXX and American Coradius International ( ACI ) is more than welcome to confirm this with the buyer 's financial institution.
XXXX dispute # XXXX was originally filed as unauthorized but was changed to a credit not processed dispute with the buyers bank. It has again been reported an unauthorized. I confirmed this directly with the buyers financial institution. And they stated to me such is currently a fraud claim and that this transaction has once again been flagged as fraudulent and unauthorized therefore making this transaction also eligible for XXXX Seller Protection given it is covered by XXXX XXXX Protection given the original transaction was marked as eligible for XXXX XXXX Protection and it is being reported as unauthorized and was uploaded for such that covered the buyers address. XXXX and American Coradius International is more than welcome to confirm such transaction in the amount of {$3200.00} is currently reported as unauthorized with the buyer 's institution.
Furthermore I have attached XXXX 's Seller Protection and the terms and conditions of XXXX 's Seller Protection which furthermore states that Seller Protection still applies in instances when a buyer reports such as unauthorized directly to their financial institution and not XXXX. At the time of this matter these were the current terms and conditions of XXXX Seller Protection and such terms and conditions are applicable to this legal matter.
Attempts to resolve this matter have been ongoing for months and nothing has occurred. And XXXX and American Coradius International ( ACI ) is encouraged to review the attachments provided along with this demand and preservation letter.
XXXX and American Coradius International ( ACI ) is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal and state laws given XXXX is attempting to hold an individual responsible for an amount of money they do not owe. Furthermore, XXXX 's own Seller Protection covers any reporting of unauthorized transactions that are marked as eligible for Seller Protection and this matter should have never been referred to a collection agency and should never have been a negative balance on the XXXX account under email address XXXX.
XXXX and American Coradius International ( ACI ) is on formal notice to keep the XXXX account open in the event litigation it commenced in the future and preserve any and all documents, messages, letters, pdfs, recordings, information, collection attempts, and all account information in regards to dispute # XXXX & dispute # XXXX and concerning the XXXX account under email address : XXXX as a whole and collections attempts concerning these XXXX items sold by a XXXX Seller.
I am unable to attach all communications via message center, however, I encourage XXXX to look at such under the XXXX account.
In order to amicably resolve this matter and in an attempt to resolve this matter without additional legal action the following is hereby demanded.
1 ) Confirmation this matter will not be reported to the credit bureaus and all collection attempts will cease immediately.
2 ) Confirmation XXXX will abide by the Seller Protection terms and conditions and its prior assurances concerning this matter.
3 ) Confirmation of the removal of the Negative Balance on PayPal.com for the Account under Email Address : XXXX.
4 ) Confirmation of the closure of the collection account concerning this amount of {$5300.00} with American Coradius International ( ACI ) for XXXX Account under Email Address : XXXX.
5 ) Payment in the amount of {$1000.00} for violations of the FDCPA at an address to be provided at a later date when requested via email.
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| 10/22/2020 |
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 |
Older American |
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In XXXX of XXXX I recieved a notice that said i had an unpaid balance in the amount of approximately XX/XX/XXXX. that document was not definitive or made sense to me. Unfortunatly misplaced and my attempts to get a copy went unanswered in any case i had no idea what it I was so immediately contacted XXXX XXXX for an explanation.
I was informed that this was an account previously held by XXXX XXXX for XXXX, an online jewelry store and XXXX recently aquiredall of those accounts for XXXX, I. knew right away it was a mistake, and told the agent for XXXX that, and that in order to get this resolved in the most fair and efficent way, i need the details of this amount. I requested the basic information being item, date of purchase, and amount and i was told that information was not available. After much going back and forth and getting i decided to contact XXXX XXXX, since that is where the account came from, and try and get these details from them. I was told by XXXX that i was not in their system at all, let alone related to the XXXX account that she was aware had been taken over by XX/XX/XXXX, I then called XXXX back and asked for a manager and explained the situation, that there is something very wrong here and XXXX as much as confirmed that by not being able to find me in their system, just meaing that it showed some sort of discrepency. I did in fact have a card with XXXX, but it had a XXXX credit limit At this time i was preparing to relocate to north fl and although i knew that i needed to get back to this, for that time being i put on back burner, especially since i was not sure where to turn for help. i did recieve a few collection calls from XXXX and with each call i requested the validation of the amount because I am challenging it., Those calls stopped in a short period of time however shortly after i relocated i recieved a notice from XXXX XXXX a collection agency working with XXXX, and i explained that i have been trying to get proof of the debt since i was first put on notice of it, keep in mind i had never recieved anything from XXXX either, so the only thing i got regarding this XXXX account, was the one notice that was more of a summary than anything else, for initally around XXXX and now its become XXXX, but back to XXXX they told me that they would get that validation and get back to me. On XX/XX/XXXX I recieved a notice from XXXX that they were ceasing the collection due to not being able to provide validation of the disputed charges and in accordance with the Fair Debt collection practices and not being able to provide me the information in a fair and reasonalbe timeframe collections they are stopping the collection activity. However on XX/XX/XXXX i was randomly checking my credit score and saw that XXXX Bank had reported the debt to XXXX as a " charged off '' debit. it has hurt my credit obviously, and i don't understand how they can do that when i made them very aware over and over that i dispute and need want and am entitled to it, and the respond by reporting this to the credit agency. Because i have never been able to get anyone from XXXX to help me with this or address it in a serious manner, i contacted XXXX and disputed it through there system. Ultimatly that dispute was denied because i was told XXXX maintains its a true and accuate debt, even though they have up to and including the writing of this complaint. I honestly did not know where to turn or what to do, had i known this option was available to me, filing a complaint i would have done it long ago. However it does not stop there. On XX/XX/XXXX I was forwarded a notice from American Coradius International on behalf of XXXX XXXX, in the amount of XXXX. At this point i am very frustrated and scared so i decide i am going to start putting everything in writiing. I draft a letter to best of my ability to this collection agency explaining all of the facts and circumsances that lead up to them recieving this account, and i also told them the same as i have all involved since XXXX of XXXX and that is i feel this is some error that occured at some point perhaps in the transfer of the accounts from XXXX to XXXX, but providing me proof of the debt, meaning item purchased, date of, and amount, so that i can see what makes up XXXX, i sent them two notices, both signature required, one on XX/XX/XXXX and one on XX/XX/XXXX, and according to USPS tracking both were signed for. this agency American Coraduis is calling me every day Monday through Friday up to 20 or more times a day. They start at around XXXX and go up until XXXX. Despite the fact that i told them that i would address it once the validation is provided, they phone calls are unbearable. I am a XX/XX/XXXX person for XX/XX/XXXXand work direclty from my phone to catch orders. it is a very competiive field and these orders can be gone in a nanosecond so its interfered in my abiltiy to make money. i also work from the phone and when the calls come in while filling orders its also very disruptive, and my pleas for them to stop have gone unanswered. putting my phone on DND does help some, but then i lose the notification bell and its just had.
I never walk away from what i owe, but at the same time i am not going to pay something i can not validate, especially when i feel its an error.. If a mistake was made in the transfers of these accounts before these two corporations, it seems to me i should be the last person that has to suffer the consequenses but that is exactly what happened and continues to happen and short of hiring a lawyer, which i really don't have money to do, ijust did not know where to turn, so i am hoping that your organization can help me.
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| 02/18/2021 |
Yes |
- Debt collection
- I do not know
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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 |
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I recently received a letter from a company called American Coradius International in regards to a {$440.00} overdraft I have on a XXXX account. I found this very strange, as I had previously been informed by a XXXX representative through a phone call that they wouldn't pursue a debt collector and that the debt wouldn't affect my credit score. The letter says that I have 30 days to pay off this debt or it will be put permanently on my record, and tells me to pay it through a site called XXXX. I found it weird that it wasn't asking me to do this through XXXX in any capacity, and upon further investigation, I'm starting to believe that this is a scam. here are a few reasons why : Firstly, the site XXXX isn't the site of ACI ; it's americancoradiusinternational.com. That site even has it's own section to arrange payment.
Secondly, the letter claims that the company is based in XXXX, New York, but the letter seemed to have been sent from XXXX, Texas. I've encountered scams before and one of the textbook signs of them being fish is inconsistencies with addresses. That puts this letter under suspect.
In addition, there have been numerous forum posts on here mentioning letters like these seemingly from the same source with the same site attached, and most of them point to this as being part of the same scam. I'm starting to believe that's the case here as well, but since those posts also confirmed that American Coradius International IS XXXX collection agency, I don't want to ignore this only for it to actually be legit. I dont take lightly to the threat of my credit being negatively impacted especially when confirmed by XXXX that my credit would not be affected, especially because I should not owe this debt. I was scammed out of an item I was selling on XXXX. I am sending a copy of the following to the ACI office as well. Personal information is redacted.
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( date of letter ). Be advised, 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 office 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 that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX XXXX XXXX ), said 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 in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 10 ( ten ) days from the date listed above, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUSTi be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/XXXX I noticed a XXXX withdrawal from my checking account in the amount of {$2900.00}. I proceeded to check my XXXX account which did not show any forms of purchases or withdrawals. I had my wife check her XXXX account, and she did not have any authorized withdrawals taking place in the said amount. I contacted my bank, they informed me that the pending withdrawal from XXXX was in my name. I proceeded to call XXXX on the same date listed. I don't recall the person I spoke with. I proceeded to explain my circumstance to her. She told me that there was nothing listed on my XXXX account in that amount. She proceeded to investigate the situation and informed me that someone had " stolen '' my identity, to where they obtained my full name, address, phone number, email and social security number in XXXX and was not using the information for this purchase. She told me that someone had opened a XXXX account under my name and was using a different email address of XXXX. The XXXX representative placed a hold/ ( closed ) on the fraudulent account and informed me that she would send all the information to their fraud department for investigation.
During this time, I opened a new checking account and started the process of transferring funds to the new checking account. I had to wait until the end of the week to officially close the account due to pending automatic withdrawals. I noticed that there were two additional attempts ( total of 3 attempts ) trying to withdrawal the {$2900.00} from my old checking account. We did not have that dollar amount in that account, so the transaction never went through/cleared the checking account. Each time I noticed the pending withdrawals, I contacted my bank and called XXXX to inform them of the situation. XXXX informed me that they would look into it.
On XX/XX/XXXX, I received a collection letter from American Coradius International LLC ( ACI ). I was not sure if this was a scam or if it was a real company since my street address was listed incorrectly. I contacted XXXX XXXX, to where I have Identity Theft Insurance through, and informed me that this was a legit company. We proceeded to place a conference call with ACI. The representative informed us that the account number on the notice was from XXXX and XXXX had sent the dollar amount {$2900.00} to collections. We informed ACI that I was a victim of Identity Theft and explained the situation to them. ACI informed that they would send what they gathered from us back to XXXX informing XXXX that this was fraudulent.
On XX/XX/XXXX XXXX XXXX and I made a conference call to XXXX to get an update on my case. We contacted the Fraud department and then was transferred to a different department. After some time having a conversation with the representative of XXXX, he finally agreed to file an investigation on the alleged charges.
On XX/XX/XXXX, I received an email from XXXX informing me that XXXX had completed their investigation and found no evidence to support my fraud claim and requesting payment in the amount of {$2900.00}.
On XX/XX/XXXX my XXXX XXXX claim representative called me to see if there was any additional movement on my issue. I informed her that XXXX said there was no fraudulent activity on my XXXX account and that I owe the said amount. My claims representative forward me additional information to file with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau to try and resolve my Identity Theft case.
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| 08/24/2022 |
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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On XX/XX/XXXX, I recieved money as a friends and family payment with XXXX. On XX/XX/XXXX, I was notified by email that the person who sent me the {$2000.00}, reported it as fraud to their bank so in turn XXXX took the money back from my XXXX, which put me in the negative as I had already transferred the money to my personal banking acct. I immediately contacted the person who sent the money and they called their bank to let them know it was a valid charge after all. They just lost their husband, who used the card and she didn't know it was approved by him since she took over his finances. I also called XXXX to let them know of what occurred and they said not to worry that my account was notated and that it could take up to 75 days to get sorted out but it was fine to keep my account in the negative as they do not report to collections and/or the credit bureau XXXX I assured them if it was going to be an issue, I would send the money back from my bank acct to XXXX until it was sorted out, was told again no need to worry. On XX/XX/XXXX, I got an email from XXXX stating they sent my account to XXXX collections for my debt and I would need to contact them moving forward. I immediately contacted XXXX through the XXXX phone number and told them what happened and asked why I was told this would not happen, I also told them that I sent the {$2000.00} back from my bank acct to XXXX and there was no debt owed to their company. Exactly that evening while I was asleep, I myself was then hacked with my XXXX account. They used my XXXX to make purchases of XXXX XXXX to XXXX. The following day they also bought dog food with XXXX and sent dog food to 5 different people all over the US. When I notified XXXX, they did absolutely nothing to help me and said that because they were apart of my recurring transactions that I allowed these purchases and made them myself. I did not. I am now out {$2000.00} for XXXX, which has now been held from XXXX, and XXXX confirmed they gave XXXX their money back but they won't put it into my acct yet. I am out over {$700.00} in other fees and purchases. Which then I had to get new credit cards, bank cards, and freeze my credit. I had to transfer money around to make sure no more came out of accts, which resulted in fees galore. My XXXX XXXX was my XXXX which was used on my XXXX, they froze that due to strange activity. I am a single mother and have had so many issues since this, I want to know if XXXX and XXXX have a hacker among themselves, if they are allowed to not tell you prior to sending you to collections that you will be if the debt is not paid by a date, how any of this is even legal and who looks into this XXXX as they have 500 complaints with the XXXX alone for fraud and lies. How can XXXX allow this to happen to me when they have so much power and then when I reported the fraud NOT ONE person there helped me. They didn't tell me I could add an additional protection onto my acct and have a 2 step authentication with my phone number. They need more training if they have access to people 's bank accounts! I will NOT stop until something is done to XXXX so they are mandated to protect future people and banks and their accts. Find who the hacker us within PLEASE!
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| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/XXXX : I purchased flights via XXXX and used XXXX XXXX in 4 as my method of payment. Airline : XXXX XXXX.
XX/XX/XXXX : flight was scheduled to take off from XXXX to XXXX XXXX with a layover in XXXX. We are at the gate waiting to board, but as we get closer to the scheduled departure time ( XXXX local time ), no announcements are made related to boarding. Then, a notice of flight cancelation appears on the screen above the gate agents. I also then get an email notification from XXXX XXXX stating that the flight was canceled and that they are working to rebook us. I think nothing of this email because it's the standard cancelation email most airlines send and most airlines do rebook you automatically and send out your new flight shortly thereafter. This, did not happen, in this instance however. All 200+ passengers begin lining up to speak to gate agents and get an idea of why the flight was canceled and when we will be rebooked. This took over an hour with no agents telling us anything. By the time I reached the front of the line, the agent took our passports, wrote down our names, passport numbers, and phone numbers. In hindsight, I find this suspicious given the fact that they already have this information when we originally booked the flight. Gate agents then took passengers in small groups back through XXXX so that XXXX officers could annul our exit stamps because we in fact were not leaving the country that day. After XXXX agents annulled the exit stamps in our passports, we were then ushered back to the ticketing counter to collect our baggage ( again, because no one was leaving that day ). We waited in the XXXX airport for nearly 10 hours with no communication from XXXX XXXX agents as to when we'd be rebooked, why the flight was canceled, or what to expect. It has now been over 5 months and I still have not been rebooked or refunded. We had to end up purchasing all new flights in order to even leave the country ( again, because XXXX XXXX never rebooked us ).
Flash forward to present day ( XX/XX/XXXX ) and I have been trying ( unsuccessfully ) to file disputes with both XXXX and XXXX due to services/goods not received. I paid for flights that never took off and I vehemently disagree with this outstanding debt.
XXXX XXXX has told both XXXX and XXXX the following : 1. That the flight was never canceled.
2. I was a no-show for the second segment.
The fact that XXXX and XXXX actually accept those statements from XXXX XXXX is absolutely ludicrous and shows a lack of consumer protection. If the flight was not canceled, why would the airline send a cancelation notice and why would all 200+ passengers be stranded in the XXXX XXXX XXXX Why would XXXX XXXX annul our exit stamps? Additionally, how could I have been a no-show for the second segment when the first segment was canceled? How were passengers supposed to have made the second segment? Should we have morphed there?
I am appalled by the lack of due diligence by both XXXX and XXXX despite the numerous times I've submitted proof. And I'm beyond appalled by XXXX XXXX ' blatant lies. This flight cancelation impacted more than just me. It was a full flight. Do they really think they can lie about 200+ passengers?
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| 08/14/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX was for {$8600.00}, today I owe {$7200.00} according to American Coradius International LLC. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX course that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in XXXX from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to affect both of our lives and credit scores. Additionally, I do not understand how a business was allowed to operate as a state recognized school but is not listed in your database for schools nationwide.
When CFPB attempted to reach out to the XXXX XXXX XXXX XXXX in regards to the debt, they had no information on the debt and seem to be operating under a new name. Please see their response : Company 's Response To CFPB RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. : XXXX XXXX XXXX XXXX File No. : XXXX CFPB No. : XXXX Our office is in receipt of the complaint by XXXX XXXX dated XX/XX/XXXX. This matter does not appear to involve our firm. XXXX XXXX XXXX ( XXXX XXXX XXXX ) believes this Complaint was submitted to us in error as XXXX XXXX XXXX does not have any matters pertaining to XXXX XXXX. We are unable to determine the company to which the consumer intended to deliver this Complaint. This matter has been closed in our office because we are not the company listed in the Complaint and this consumers file does not belong to us. Please forward the Complaint to the appropriate third party. If there are any questions or comments, all future correspondence should be sent to : XXXX XXXX XXXX | Consumer Affairs XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Office : XXXX|Fax : XXXX Email : XXXX Very Truly Yours, XXXX & XXXX XXXX XXXX XXXX , XXXX . XXXX
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| 09/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint stems from a fraud/hacked account case with XXXX. On XX/XX/2019, I received an email written in XXXX from XXXX confirming my request to transfer {$1000.00} from my bank account to my XXXX account. As I did not do this, I immediately contacted XXXX to cite the fraudulent transfer ; the email I was directed to contact for potential fraud cases was XXXX '. After contacting them, I was ensured a case was opened to look into my fraud request. A couple days later I saw {$1000.00} was withdrawn from my bank account. XXXX then refunded the {$1000.00} and froze my account and I thought the episode was over.
A few weeks later I started getting emails from XXXX requesting I pay {$1000.00} because my XXXX account had a - {$1000.00} balance. When they finally called, I explained that a fraud case had been opened ( I provided the case number ) because {$1000.00} had been taken from my bank account but that it appeared to have been resolved and XXXX said ok.
About 2 months later, starting in late XX/XX/XXXX/early XX/XX/XXXX, I started getting calls from unlisted numbers. A voicemail was left from someone saying they represented ACI, American Coradius International LLC, and they were calling to collect an {$1000.00} debt I owed to XXXX. After reading about debt scams, I waited until I received a letter in the mail to confirm this was a legitimate company. I finally received a letter on XX/XX/XXXX asking I pay a debt for XXXX. ACI called again and this time I informed them that I owed no debt and explained the fraud case I had with XXXX. I let them know I was filing a complaint with the FTC and they asked me for all of the proof of my fraud case. As I do not trust this company, I said no and I was giving it all directly to the FTC.
Ultimately, I am not sure who exactly is at fault between ACI and XXXX, but due to the months of harassment over {$1000.00} I do not owe because my XXXX account was hacked, I am filing a complaint. I have screenshots of all my email correspondence with XXXX as well as my bank statement showing the money withdrawn from my bank account and being refunded. I also have a timeline of events : XX/XX/XXXX - unauthorized transfer request, complaint filed.
XX/XX/XXXX - case opened, {$1000.00} withdrawn from personal bank account into XXXX account.
XX/XX/XXXX - XXXX refunds {$1000.00}.
XXXX XXXX - password to XXXX account changed, account frozen.
XX/XX/XXXX - negative XXXX balance reported.
XX/XX/XXXX - negativeXXXX balance reported, call with XXXX to resolve issue.
XX/XX/XXXX - negative XXXX balance reported. Late XX/XX/XXXX - Calls from ACI started, requesting debt of {$1000.00}.
XX/XX/XXXX - letter received from ACI requesting {$1000.00}.
Today - filing complaint.
As I never authorized any transfer of funds and had an account compromised, I feel my time continues to be wasted by requesting a debt I never owed. I would like the CFPB to inform ACI to stop harassing me about this debt. I am happy to provide any evidence necessary to the CFPB to back up my account or speak on the phone. Thank you.
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| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately.
I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.
I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES.
Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document.
After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
|
| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a letter from American Coradius International ( ACI ) LLC in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give ACI prior consent to any communication with me. ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d.
I received a letter from American Coradius International ( ACI ) LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( 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 ACI prior consent to any communication with me.
After I disputed this alleged debt with ACI, ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) 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 or permitted by law.
These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
I feel that these actiosn are also a form of harassment nad violates 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 ...
|
| 03/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This involves a fraudulent sale ( scam ) enabled by XXXX. It is not a valid debt and a complaint has been filed with the Police and CFPB # XXXX.
My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and XXXX. He then arranged for XXXX to ship them from my location in XXXX.
They were allowed to ship shortly after the payment cleared XXXX ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by XXXX until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country.
Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. XXXX notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, XXXX informed me that the Buyers bank/ credit card company had sided with Buyer and my XXXX account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the XXXX Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the XXXX collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called XXXX collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department.
The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. XXXX refuses to either pursue a remedy with, or release the name of the institution used by Buyer. XXXX, acting in bad-faith, has apparently washed its hands of this matter.
Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information.
Additionally, I have filed a Police Report regarding this fraudulent sale.
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Letter receive at my residential address dated on XX/XX/2023 from American Coradius International LLC ( toll free : XXXX ; address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) attempt to collecting {$32.00} for creditor " XXXX, XXXX ''.
Within the letter claiming " Call or write us by XX/XX/2023, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' which is an unethical practice forcing the letter receiver to act or else assuming all information is correct.
I post complain on the XXXX XXXX XXXX and received following correspondence from the said company : " Receipt of correspondence from a concerned customer is taken very seriously at American Coradius International LLC. All issues are researched thoroughly with extra attention to the customer perspective.
Based on XXXX XXXX concerns, we have ceased all collection efforts, and the account will be closed and returned to our client. Our investigation of the account and information you provided ( your e-mail address ), indicates that you may have been a victim of identity theft. The e-mail address provided to us by, XXXX XXXX XXXX, does not match the address you provided in your correspondence to the XXXX XXXX XXXX
We have provided XXXX with a copy of this complaint and our response. XXXX, XXXX XXXX, have any questions, we kindly ask that they contact, XXXX XXXX XXXX, and allow them the opportunity to address any additional concerns they may have.
Thank you for bringing this matter to our attention. We apologize for any inconvenience that we may have caused.
Sincerely, XXXX XXXX Director, Corporate Compliance '' Problem is never once my e-mail address was disclosed in the physical letter sent to my correct name and physical address. I was never contacted by the creditor " XXXX XXXX '' prior to receiving this letter nor it's possible for me to incur any debt from XXXX XXXX in the past. Furthermore, the creditor " XXXX XXXX '' has no balance due under my name. Similar tactics and experience of such practice from this company ( claiming collecting money owed from " XXXX XXXX '' ) is easily found from XXXX 's official website under its Community Discussion Forum ( see link " XXXX XXXX XXXXXXXX '' ).
This is a very time consuming encounter for person at the receiving end of such letter not to mention the possible stress endured causing by such practice from this company.
Please see to an end for such practice.
Thank you An concerning Federal law enforcement employee.
|
| 06/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against AMERICAN CORADIUS INTERNATIONAL LLC for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading.
I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.
Im also aware that once a debt is cancelled, it now becomes gross income.
Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.
Was a 1099-C filed on this account? If so, I never received one.
I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.
Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.
If AMERICAN CORADIUS INTERNATIONAL LLC has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions.
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
|
| 09/23/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives.
As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs.
When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability.
To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive.
I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice.
There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees.
I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit.
I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.
|
| 12/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft.
Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I began getting calls from XXXX in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called XXXX and was told that I had a balance due to XXXX of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe XXXX anything.
In early XXXX, I received nearly 20 calls over 4 days. I called XXXX again and was told that I still had a balance due to XXXX of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}.
When I contacted XXXX XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me.
On XX/XX/XXXX, I received an invoice from American Coradius International ( XXXX 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with XXXX on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. XXXX, supposedly, will now close this account as fraudulent, too.
XXXX will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. XXXX does not have record of my actual email address. Since email seems to be XXXX 's preferred ( perhaps only ) method of communication, I never knew about these accounts.
I have asked XXXX to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at XXXX.
I was told that all a person needs to open a XXXX account is to provide an email address. Since I have a security alert on my credit reports, I know that XXXX does not seem to have tried to determine my credit rating. This is very poor business practice.
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against American Coradius Interantional LLC for committing identity theft. I have never given American Coradius International LLC 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 fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both equally liable for violations under 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with American Coradius International LLC and my failure to. dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving American Coradius International LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from American Coradius International LLC before they decided to commit numerous violations under the Fair Debt Collection Practices Act. American Coradius International LLC is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me and my financial reputation for an alleged debt that has not been validated. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activity, of this and any alleged debt until American Coradius International LLC 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 American Coradius International LLC continues its collection efforts, I will file for litigation for actual damages caused and American Coradius International LLC 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.
|
| 08/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : ACI # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
|
| 07/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX Original Creditor XXXX for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX at XXXX which I did at XXXX and was informed that they " XXXX XXXX '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked XXXX call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to XXXX XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX.
Thank you
|
| 07/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX Original Creditor XXXX for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX at XXXX which I did at XXXX and was informed that they " XXXX XXXX '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked to call XXXX working Capital line XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to Mr XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX.
Thank you
|
| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hi, My name is XXXX XXXX. I have an issue with XXXX credit for {$110.00}. Now they added some fees and interest = {$140.00}. The XXXX system appears with two pages because I have seen the XXXX system has been asking me to add the amount for their credit. It is an amount I did not use.
Whenever I apply for XXXX money, I pay off tried on time.
I have concerned about what and why they charged. So, I have contacted XXXX customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know XXXX was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it.
In contrast, XXXX reported this issue to American Ciradius International LLC. Now, XXXX Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to XXXX.
Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that XXXX reported that amount to the Third Party collector office.
The below information is my detailed transaction on XX/XX/2021.
XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to XXXX balance Can you explain why I have to add my money to XXXX credit?
If you don't, I will sue XXXX and report XXXX.
Although I paid {$110.00}, why did XXXX report that amounts to the Third Party collector office accordingly???. Why does XXXX need my money to add in the XXXX credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution.
Thank you.
XXXX XXXX.
XXXX XXXX
|
| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it.
The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled.
This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017.
On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased an item for XXXX However I paid for this item through XXXX I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival.
XXXX weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me.
I contacted the XXXX They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over XXXX people living in the area practically in the middle of a winter storm ......
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions!
I told XXXX this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from XXXX. He completely understood where i was coming from but didnt know how else to help me.
A week later i receive a letter from American Coradius international LLC ( a debt collector ) about the funds XXXX is still trying to make me pay even though i never received the item.
I have an excellent credit score and refuse to allow XXXX to destroy it.
This complaint is about XXXX for not protecting their buyer and sending this to a debt collector.
XXXX for having the driver drop the package off in the middle of the street without obtaining my signature.
XXXX for not making sure their customer actually received the item that they purchased and lastly American Coradius international LLC for buying this " debt '' in attempt to ruin my credit
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received the first phone call from ACI, regarding the negative balance {$2800.00} on my XXXX account.
The first time I was informed by XXXX about this {$2800.00} negative balance was on XX/XX/XXXX, and I messaged XXXX right away. However, PayPals response is terrible slow. And until today, there is no supporting information from XXXX to explain the occurrence of the {$2800.00} negative balance. I can not find any related transactions on my XXXX activity summary as well.
So when ACI agency call me onXX/XX/XXXX and tried to collect debt, I asked the representative to provide the same thing : supporting documents that explain why the {$2800.00} negative balance occurred on my XXXX account.Then I can know what is going on and do next thing.
The representative contacted me three times afterXX/XX/XXXX, and I always asked for the same thing. But until today, I only received a ACI payment letter on XX/XX/XXXX, and a XXXX statement letter that provided by ACI onXX/XX/XXXX.
So right now, all the information that I have is I have 4 of {$700.00}, a total {$2800.00} negative balance on my account, dont know why, but ACI and XXXX expect me to pay without giving any explanations.
Additionally, the attitude of the representative that I spoke with is extremely bad. He never listen, inpatient, and always interrupt me. I think this is another reason why I havent got the information that I needed.
I demand that correspond with me solely in email and that ACI provide proofs that I personally perform {$2800.00} related transaction activity and owe money. If I dont reply email in 48 hours, then your company can call me.
I will sue ACI if you guys attempt to falsely claim to the credit reporting agencies or other organizations/companies that I have an unpaid debt.
At last, things I mentioned above, including XXXX message/emails, ACI call history/sent document, and XXXX account activity, are all in attachment.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
AT TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International XXXX # XXXX
|
| 11/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. Received Email notification from XXXX saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3. Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me.
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them.
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX.
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account.
7. They did not respond to me at all and then placed the account into collections, I called XXXX again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. XXXX has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from XXXX with totally different information.
9. I have not authorized payments for what they say I owe and XXXX can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my XXXX balance, which if that is the case they used money from my XXXX balance and the still wanted more money. This sounds like fraud on their account.
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I sent AMERICAN CORADIUS INTERNATIONAL LLC a cease and desist with a debt validation letter attached on XX/XX/21 after I received several phone calls and voicemails from their agents on XX/XX/21 and XX/XX/21. The letters were sent certified mail with green receipt number XXXX XXXX XXXX XXXX XXXX. The green receipt was sent back to my location on XX/XX/21 and it shows that it was received by an individual with an illegible signature on XX/XX/21. In my cease-and-desist order I demanded that AMERICAN CORADIUS INTERNATIONAL, LLC respond to my debt validation letter and cease all collections of the alleged debt until I can validate it. It has been 27 days and I still haven't received a written response from AMERICAN CORADIUS INTERNATIONAL, LLC. Due to no response, I have not been able to exercise my right in validating the alleged debt. AMERICAN CORADIUS INTERNATIONAL, LLC is in violation of Federal law. Pursuant to 15 USC 1692g ( a ) I was supposed to receive a written notice within 5 days of initial communication. AMERICAN CORADIUS INTERNATIONAL, LLC has failed to comply with this statute. My privacy has also been infringed upon due to numerous individuals communicating with me on behalf of AMERICAN CORADIUS INTERNATIONAL LLC, they are uninterested parties in this matter who do not have my consent to contact me. Furthermore, I am not sure how AMERICAN CORADIUS INTERNATIONAL LLC received my private information or who gave them written or oral consent to contact me otherwise I will need contractual proof. AMERICAN CORADIUS INTERNATIONAL LLC, is liable of committing identity theft, fraud, and defamation of character both libel/slanders. I need this matter resolved immediately. Please respond in writing so that I can resolve this matter and reclaim my worthiness.
|
| 10/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I preface this by conceding that that automated selections during the complaint process may not be exact to this issue, but perhaps best represent my concerns.
- On XX/XX/18, I purchased four ( 4 ) tickets for the XX/XX/18 XXXX XXXX concert at XXXX XXXX for an all-in cost of {$690.00}. Subsequently, it was decided that we would not be able to use these tickets ; and so we listed the tickets for sale, ultimately at a loss.
- The night before the concert ( XX/XX/18 ), we received an inquiry regarding the four ( 4 ) tickets, and agreed via text message ( with buyer at XXXX ) to sell for {$500.00} ( {$120.00} per ticket ). Funds were received ( {$510.00} gross sent ; {$490.00} net received ) via XXXX and tickets were sent to the email address provided ( XXXX ).
- Nearly two weeks after the transaction, the buyer disputed the charges through their financial institution, which disputed with XXXX. XXXX deducted {$530.00} from our XXXX account ( {$510.00} + {$20.00} penalty ; thus, charging us also for the fees previously paid by the buyer ).
- Upon notification, we provided evidence of the text messages and copy of the sent email to XXXX. On XX/XX/18, XXXX notified us that they would dispute with the buyers financial institution on our behalf, a process that could take up to 75 days.
- While still within the 75-day timeline ( which ends XX/XX/18 ), we received a letter from American Coradius International LLC, dated XX/XX/18, that XXXX sent our balance to collections. We never received notification from XXXX that our account would be sent to collections ; and this remains in open dispute as confirmed via telephone with XXXX on XX/XX/18.
- More detailed outline is provided further below.
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
American Coradius International LLC contacted me on XX/XX/2022 to inform me they were attempting to collect some debt they alleged I owed. I informed them that I only wanted to be contacted via mail and did not want to receive calls from them any longer. I told them to expect a written response from me in the near future regarding the matter.
Despite verbally telling them I did not want to receive calls I was again contacted XX/XX/2022. I spoke to the rep and told him that on the previous call that I did not want to be contacted via phone. The rep said that there were no notes on my account stating this. I asked the rep if calls were indeed recorded and he confirmed then hung up the phone.
On XX/XX/2022 I received a THIRD call as I was rushing to catch a flight at the airport. Since the call came from a local area code I thought it was my assistant providing me important details I needed for my flight instead it was American Caradius International LLC calling yet again to try to collect this alleged debt from me. I spoke to the rep and asked her why I was being contacted after telling them TWICE already that I did not want to receive phone calls. She tells me that there were no notes on the account about this even though they claim they record phone calls. This is unacceptable and a clear violation of my rights. It is my understanding that debt collectors are prohibited from communicating with a person in connection with the collection of any debt through a medium of communication if the person has requested the debt collector not use that medium to communicate with the person.
Prior to receiving the THIRD CALL I verbally stated TWICE that I did not want to be contacted by phone.
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX : XXXX IS A SCAM I received a very good scam letter in the mail proclaiming that i owe XXXX from a paypal debt issued but when i call XXXX they inform me that this is in fact a Scam I was able to dig up some info regarding this scam and I stumbled into something i want to pass along The link above TRICKED ME into giving my last 4 of SSN.
my reference ID the scammers assigned me is XXXX to a XXXX XXXX account # XXXX that they want me to pay The address on my Fake debt Letter is AMERICAN CORADIUS INTERNATIONAL LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX phone number on my fake debt letter to contact is XXXX This is where they want me to send the money I dont owe The rabbit hole goes deeper.
The return address on the fake debt is XXXX XXXX XXXX XXXX Tx XXXX which belongs to a home owner fronting it as a commecial printing company called XXXX XXXX I managed to find phone number connected to this scammers home address XXXX And XXXX they print professional documents from home which explains how they were able to send out this believable fake scam letter that looks like a blank check. I dont know if the CEO of XXXX XXXX who is based out of New york is a part of this but here is his email ( XXXX XXXX ) XXXX Perhaps he can be helped to discover that if its not him doing this then its one of his 29 employees using his commercial printing business to also create fake debts and send them out to people under a company that is actually legit but has nothing to do with this.
I am Training to become a XXXX XXXX. Imagine the information I could retrieve and continue to dig and discover. I mainly just want this operation to Cease trying to scam myself and others.
|
| 04/27/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I 'm being harassed by American Coradius International LLC on behalf of the XXXX XXXX XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before XXXX and calling after XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed XXXX XXXX XXXX and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.
|
| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is American Coradius International, LLC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, American Coradius International, LLC.
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Coradius International, LLC. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.American Coradius International, LLC. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where American Coradius International, LLC. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. American Coradius International, LLC.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, I received a letter ( USPS ) from American Coradius International LLC, XXXXXX/XX/XXXX XX/XX/XXXX XXXX, XXXX . XXXX, XXXX, XX/XX/XXXX XXXX ( Ph. XXXX ). The return address on the letter is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The letter claims that XXXX placed with their office a collection in the amount of {$62.00}.
Knowing this was a fraud but wanting to verity it, I immediately called XXXX and spoke to a representative. The representative confirmed that I have no outstanding debt with XXXX and suggested I send them a copy of the letter to XXXX.
A search of the Internet for ACI disclosed that they have many negative XXXX reviews, with many of them stating that they received letters similar to mine claiming that XXXX turned over claims to them for collection.
In the letter ACI states that XXXX has agreed that I can pay {$47.00} as partial payment if received by ACI on or before XX/XX/XXXX. The letter asks that a check or money order be sent to the address above or that payments can be made via their website : www.acibillpay.com.
This case needs an on-the-ground investigator to review their books and processes. Follow the money. Let 's assume that an unsuspecting victim pays their supposed debt to ACI. Since we know that no such debit exists, where is the money going? Sadly, I'm confident that ACI has victimized countless people who wouldn't question such a small amount claimed.
Please send an investigator to review the accounts of ACI. Otherwise hand this case over to the FBI or appropriate law enforcement agency. The victims of ACI deserve justice.
|
| 06/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe XXXX XXXX XXXX {$14000.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX
|
| 09/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CFPB + ACI, I received mail from ACI that I owe a debt I do not recognize. I am requesting validation of this debt- please see below and attached.
Attached to this complaint are : - drivers license - for ID as well as address To whom it may concern, On a recent review of mail, I discovered ACI, claiming I owe a debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.
You are only to contact me via the CFPB as well as mail at the address I have provided herein.
I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Your failure to act will result in this matter being referred to the Attorney Generals Office.
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After receiving suspicious emails over a period of time from XXXX, when I did not have an active account, I sent them to their company XXXX XXXX and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, one of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX Mail from a company called American Coradius International. Stating that they were trying to collect a debt for XXXX.
I have never owed money to XXXX. I do not have a credit account with them, and have not used their service in YEARS!!
I called XXXX on XX/XX/XXXX, and XXXX XXXX filed two claims on my behalf XXXX, and XXXX and stated I would hear from them in 3-5 business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation.
So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point.
Thank you for your help.
|
| 06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I received a collection notice from American Coradius, International, LLC trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from XXXX XXXX which I have never done business with and when looking for their physical address found four locations. Apparently they used to be XXXX XXXX loans and their CEO XXXX XXXX left XXXX when it separated itself from XXXX. XXXX apparently bought all of XXXX 's credit accounts but I have never used XXXX either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX. When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from XXXX XXXX and American Coradius, International, LLC should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.
|
| 05/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
We received a letter on XX/XX/2020, from American Coradius International, LLC, toll free phone number XXXX. It states we owe the following and should pay the amount to the address below, it also states we can pay {$470.00} as a partial payment.
Creditor : XXXX, XXXX Account Number : XXXX Reference Number : XXXX Amount : {$630.00} Make Check payable to American Coradius International, LLC., XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX.
My statement : I take paying my bills very serious and if I owed XXXX money I would have paid the debt, but this debt is sent to a XXXX XXXX, which is not my name nor the name of anyone in my family. We do not owe XXXX any money, nor have we ever owed XXXX money. After reviewing the XXXX and the XXXX community forum, we noticed there are dozens upon dozens of postings that contain similar cases such as ours relating to the American Coradius International, LLC l. ( ACI ) located in New York. Many users and even non-users of XXXX were contacted by this company trying to fraudulently collect money from home addresss that had fictitious names in the Salutation of the letter.
We are disputing this for the following reasons : we have not used our XXXX accounts for a very long time ; our accounts show no balances ; there have been no transactions for years ; XXXX has never contacted us about this ; and the letter is addressed to someone that is not us.
|
| 03/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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This is in regard to an XXXX sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through XXXX. XXXX released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, XXXX notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 XXXX notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my XXXX account to resolve the negative balance.
Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer XXXX and later, XXXX ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition XXXX will not release any transaction details ( Buyer 's bank or credit card company, correspondence between XXXX and Buyer 's bank or credit card company ). XXXX 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.
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| 07/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I was contacted by XXXX on XXXX telling me there has been unusual activity on my account. I told them I have XXXX account but I never use it. I was told someone had sent 2 laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm permanently XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from XXXX saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from XXXX for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.
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| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sold a XXXX XXXX to XXXX XXXX, his brother, and his stepmother, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating that XXXX, his brother, and himself were on board with the purchase, so I reported an IC3 form. I have not heard anything back regarding my filing of the IC3 form. I have also filed a complaint with XXXX PD. I have video footage of the meetup with the brother who came to pick it up, and pictures of the chat logs. I am on limited income and SSI due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the 10mb limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs.
Reference # XXXX
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| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I purchased a pair of sneakers with my credit card from an XXXX seller on XXXX XXXX, 2021. They were never sent, nor was there any reply from the seller after repeated attempts to contact. I went through the XXXX refund process, which was finally granted on XX/XX/XXXX, 2021. XXXX refunded my money. Cut to XXXX months ago ( about XXXX 2021 ) I started receiving emails from American Coradius International, LLC., also known as ACI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, who said I had a negative balance on XXXX and needed to pay them money. I contacted XXXX to ask them if this was true, and they said no. They also said to disregard these emails as a scam, as XXXX is it's own collection agency. Cut to last month ( XXXX 2021 ) when I received a letter in the mail from ACI to pay this same " debt. '' As they asked, I sent a note back saying I disputed the debt, and they would send proof of debt. Yesterday I received another letter from them, along with a letter with XXXX letterhead listing the debt and information from the XXXX purchase with this seller from back in XXXX 2021. What? ACI is representing a zero feedback seller from XXXX who wants XXXX bucks, of which they will get XXXX bucks, on an purchase that never happened? I don't get the math. There is no debt with XXXX, there is no negative balance, there are no sneakers, shall I go on?
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| 08/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Initially contacted by American Cordius International LLC ( address follows ) via letter through the USPS dated XX/XX/. They are trying to collect from a XXXX account that is not mine. I have never had a XXXX account nor is the email account referenced is not mine nor ever has been.
I responded to their letter ( see American Cordius International LLC letter dated XXXX XXXX XXXX XXXX that I filled out the bottom of the form and mailed it back to them within seven days. ( see enclosures ) I received another letter from American Cordius International LLC dated XXXX XXXX XXXX with information from XXXX a list of 18 transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me.
I have sent a letter to both XXXX and American Cordius International LLC requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before.
I have sent another letter to both American Cordius International LLC and XXXX denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ).
Your assistance is greatly appreciated to coordinate closure of this issue.
American Cordius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This complaint is against 2 companies : American Coradius International ( XXXX, NY ) & XXXX XXXX XXXX XXXX, DE ).
I, XXXX XXXX, received a letter dated XX/XX/XXXX from American Coradius indicating I owed a balance of {$3300.00} that had gone into collection from XXXX XXXX XXXX XXXX Since I have never had an account with XXXX, I filed a complaint with the XXXX and American Coradius quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it.
However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX on her behalf to hopefully have that balance removed as well.
If you go to the internet and search up this company, the first XXXX auto-search shows " XXXX scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX looks like a shack in the middle of nowhere.
The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for XXXX in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address.
If you XXXX XXXX XXXX, a similar auto-result shows up indicating " XXXX Scam ''.
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| 12/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I disputed this debt on XXXX by mail and it is still currently showing on my credit report fraudulently. XXXX XXXX XXXX was not the finance company for this vehicle. The amount owed on all 3 Credit bureaus XXXX, XXXX, and XXXX is not correct. This car was previously removed off my credit report due to it having the wrong lien holder. This car was clearly in a previous lien with XXXXXXXX XXXX not XXXX XXXX XXXX. Also XXXXXXXX XXXX was in a class action lawsuit as well which is why it was removed previously. I am requesting XXXX XXXX XXXX to remove this false information from all 3 major credit bureaus XXXX, XXXX, and XXXX. I'm also requsting for XXXX XXXX XXXX to remove it from XXXX, XXXX, and XXXX XXXX permanently. I am not responsible for this debt due to it being previously paid off by American Coradius International LLC according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not give consent for XXXX XXXX XXXX to release my personal non public information to XXXX XXXX XXXX.
|
| 04/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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On XX/XX/XXXX, I received a letter of Debt Collections in the mail from American Coradius International LLC requesting a debt of {$380.00} that is now in collections from a fraudulent account with XXXX that was created in XX/XX/XXXX. My legitimate XXXX account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called XXXX on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. XXXX did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by XXXX failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that XXXX never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.
|
| 08/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX I received a letter dated XXXX from American Coradius International LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed XXXX XXXX/XXXX XXXX {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, American Coradius International LLC is willing to accept {$52.00} to resolve the account.
The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with XXXX XXXX XXXX made me suspicious. I checked my account with XXXX XXXX online and it shows a balance of {$0.00}. I called XXXX XXXX, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from American Coradius International LLC.
I believe this is an attempt to swindle me.
I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally.
contact information provided in the letter : American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}
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| 07/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
Hi on Thursday XX/XX/XXXX, I received a call from American Coradius International LLC. I spoke with a lady who did not identify herself. She asked me my name which i gave. then she asked for my personal information. I explained I do not give out this information. she asked for my last 4 SS # again i told her i do not give this information over the phone.I was not provided any informastion on who this debt was from or if they bought it just trying to get information. Again she asked to give the last 2 numbers of my SS #. I explained to her that any communication needs to be in writing. They she started getting aggressive on the phone. I asked what is this Debt allegedly that i owe and how much. She did not give me that info told me to call XXXX.
First I do not recognize this Company i had to call back several times to get the companies name.
2nd I have checked my Credit Report and it is not reporting on any of the bureaus.
I did not feel confertable being addressed to give out personal and sensitive information over the phone and when i asked this company did not provide me with any information that they say they have of me. I asked them to correspond through mail and they said they have a lot of times. this is not true. I have not received anything.
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| 11/05/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX : Fraud Case XXXX ; XXXX Case # XXXX ; XXXX Case : XXXX ; XXXX XXXX # XXXX This is an open Fraud Case against XXXX, a bank that knowingly cleared a fraudulent check into my checking account.
I have submit a complaint before regarding this issue and XXXX is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud XXXX, that did not even care to see the documents nor the case number filed with the XXXX XXXX 's Department.
XXXX were several " XXXX Agents '' that finally submit my complaints to XXXX of XXXX, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway.
The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised XXXX XXXX XXXX XXXX # XXXX regarding the debt that XXXX is responsible for clearing.
I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
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| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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On XX/XX/XXXX, I received a notice from American Coradius International, LLC informing me of a debt collection attempt on a non-existent XXXX credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with XXXX. On XX/XX/XXXX, I received another collection notice from the same company for a different XXXX account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with XXXX and that this is fraud. I also verified with XXXX that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different XXXX account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate XXXX accounts, which they are not according to XXXX.
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| 06/12/2021 |
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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On or about XX/XX/2021 I received a collection letter from American Coradius International ( ACI ) advising that I owed {$80.00} to XXXX and attempting to collect on such debt. At the same time, I contacted XXXX and confirmed that no such debt is owed. Based on the same, correspondence was sent to ACI requesting that they perform their due diligence and stop communicating with me. Instead of responding to my correspondence, ACI continued to send me further collection letters for two additional accounts for a total of three accounts all indicating that I owe {$80.00} To XXXX.
ACI has violated the fair debt collection practices act and California Civil Code section XXXX. They have repeatedly ignored my correspondence and at this stage based on their violation of law I am entitled to immediate relief.
XXXX indicates prohibits the communication by a license collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. Again, there is no outstanding debt owed to XXXX and as such XXXX has not assigned a collection account to ACI for collection. As such, this is a clear violation and I am entitled to {$500.00} for each violation in the total amount of {$1500.00}.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The statement made by this company is a complete lie regarding sending requested documents to my attorney. I spoke to my attorney during the same time frame and they stated that they have yet to receive any documents from this company! They never sent the original documents via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. They also are reporting a charge off on my credit report in which theyve never sent me a 1099 tax form. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore if you have not validated the debt, you must request that all credit reporting agencies deleted the entry. If you fail to remove this entry this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me.
|
| 03/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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American Coradius International LLC ( ACI ) has been calling my number 3 times a day for the last 45 days ( more than ~130 calls in total ), claiming I owe XXXX XXXX , {$790.00} in debt. I have have or have had a XXXX account.
They provided the following information : Account number : XXXX Reference number : XXXX Amount : {$790.00} After multiple attempts of me telling them to stop the harassing and repeated calls, throughout the day, they have still continued to call me and recently also sent me mail via USPS on XX/XX/2019, demanding that I pay this debt that is not mine.
I called XXXX ( who ACI claims is the original creditor ) and they confirmed that I had no accounts, amounts owed or any form of debt with them. It appears that ACI is trying to scam me ( and others ) by creating fake debt collection requests without any authorization or demand from original creditors.
The Debt Recovery Agency 's full name and informations is as follow and appears fictitious. Oddly, they provide two addresses for their operations which is very suspicious as well.
American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
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| 07/23/2022 |
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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Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
First thing, You do not have any lawful right to be in possession of my identifying information.
Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I am filling a complaint today in regards to a collection notice that I received from ACI ( American Coradius International ) LLC Phone # XXXX in the amount of {$1100.00}. This debt collection is from a fraudulent charge/ purchase ( I assume ) that was made on XXXX XXXX XXXX XXXX my name and SSN. I reached out to XXXX regarding this matter so they have been made aware of my dispute. The representative at XXXX ensure me they will look into this matter further and suggested I create a police report. I contacted my local law enforcement and they suggested I file a complaint with XXXX and that they could not do anything because the suspect is not local. XXXX also provided me with a phone number for law enforcement to reach out to for more details into my case/ their investigation. The number is XXXX ( XXXX ) XXXX. The debt in question is associated with a XXXX account number ( XXXX ) that I am not aware of and have never used but is using my name, address, and SNN. The only difference is the email address. The representative I spoke with at XXXX would not provide me the email address associated with the fraudulent account and said they could only provide that information to law enforcement.
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX.
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me.
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.
|
| 02/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Family of 3, XXXX XXXX and XXXX XXXX hacked and controlled on XX/XX/XXXX.
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and XXXX accounts.
Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards.
WE froze our bank account, and killed our credit cards.
So no money was actually taken, it just appeared to shift between our 3 family XXXX accounts. But all our money remained where it should be, since we interrupted the supply!!
HOWEVER, XXXX has a policy that credit card use with them requires a fee! So even though no funds were moved, and XXXX was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used.
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from ACI, LLC on behalf of XXXX for {$75.00} on XX/XX/XXXX
|
| 06/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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My father received a call from American Coradius International ( ACI ) asking to speak to me. The representative from ACI told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!.
Anyways, I called ACI and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, XXXX and ACI contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give ACI or XXXX the consent to contact any lawyer at this present time. Also, you will see in the letter that ACI insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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We received a letter in the mail regarding a debt with XXXX XXXX from American Coradius International LLC. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone.
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
|
| 07/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/2020 at XXXX XXXX I sent a debt validation letter via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) at the XXXX XXXX, CA Post Office. Based on the USPS.com tracking, the letter was never delivered with the note, " Delivery Attempted - No Access to Delivery Location ''. The return receipt was imaged and sent to my email, but I never received the actual physical receipt. Documentation attached for verification.
On XX/XX/2020 early evening, I sent a second debt validation via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) using the USPS kiosk in XXXX XXXX, CA. Based on the USPS.com tracking, the letter is " Held at Post Office, At Customer Request ''. I completed a complaint form with the USPS.com a representative left me a voicemail stating that per the customer, they are not accepted mail at their location and that a representative comes once or twice a week. As of today, it still shows " Held at Post Office, At Customer Request '' on USPS.com tracking. Documentation attached for verification.
I am seeking debt validation.
|
| 09/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2020 I received a telephone call from a company claiming they were collecting a debt I owed on behalf of XXXX XXXX. I told the caller I believed the information was incorrect and would contact XXXX myself. Caller tried to stop me by stating that wouldn't work, etc ; I basically cut them off and said I will contact XXXX and hung up the call.
I have accounts with XXXX and have funds available in both accounts so this information seemed wrong. I called XXXX and reported the call to the XXXX representative. XXXX confirmed that I owed them no debt ; they checked my active accounts and did a general search using just my name. XXXX told me they are not involved in this collection attempt.
Now in XXXX I have received a written request to settle this same false debt from a company called American Cordius International LLC. I have a copy of this written request from this company and will upload this below.
I am reporting this false debt collection attempt to you and am simultaneously sending a registered letter to this company informing them that this debt is false and they are not to contact me again.
|
| 01/26/2021 |
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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I cancelled my XXXX account back on XX/XX/XXXX because I had been victim of an scam. Basically I sold an online service to a person and that person later on claimed to XXXX the he/she did not receive the goods. I provided XXXX with all the documentation that proved I had provided the goods to the person and they failed against me so a negative balanced showed in my account. After that experience, I decided to close my XXXX account and removing all my credit/debit cards as well as bank information. In order to remove any payment method from XXXX, you can not have any outstanding balance so by the time I closed the account, I did not have any debt with XXXX.
It turns out that today XX/XX/XXXX, after 6 months of having my account closed, I received a letter from ACI ( american coradius international ) company regarding a balance of {$150.00} that I had not paid to XXXX which does not make any sense because I had already closed my account ( this means that I had XXXX debt ). Since I no longer have a XXXX account, I can not reach customer service and XXXX does not have a dedicated human phone line.
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| 03/08/2020 |
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 received a letter dated XX/XX/2019 from American Coradius International stating that I owed a debt regarding my account with XXXX. I have an account with XXXX, but it has no balance.
The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant emotional stress and caused me to undertake the time and expense of sending a certified letter disputing the debt.
On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof.
I have not heard back from them since.
In trying to collect a debt from me regarding a XXXX account, when I have a XXXX account in good standing, American Coradius International failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) emotional harm, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.
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| 08/13/2018 |
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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American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.
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| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company.
So what do I do next to fight this.
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| 01/27/2021 |
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 received a bill in the mail for {$2100.00} from American Coradius International LLC Toll Free XXXX, Claiming that I owe XXXX this amount, and if it is not paid in full then it is going to be sent to collections. However, they want me to pay THEM.
They asked for my email, and I refused to give it to them ( because I suspected it was a fraud ), and they gave me the email that they have on file. I confirmed it is not my email. They told me that I can ignore the bill. I insisted on having a confirmation that I do not owe anything to this company. They refused to provide me with one.
They also asked for my social security number ( I refused to give it ) and they also asked me for my birthday, ( I also refused to give it ).
They said that they will report and put an investigation into my case from XXXX.
I believe this is a fake company trying to get me to send them money. I see online that 62 other reviews also say this company is a scam. They need to be closed down.
The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank you
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| 06/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from American Coradius International LLC, on XX/XX/2022. The letter identifies them as a debt collector, and provides three pieces of information : 1. that I owe XXXX ' XXXX 2. An account number that is extremely long and that I have never seen before ( in the last XXXX years ), and nor does XXXX understand the format of the account number and 3. that I owe {$40.00} and they would be happy to take my payment.
The letter has no website listed, and they are not currently answering the phone number provided on the letter. ( XXXX ) They do cite www.cfpb.cov as a place to understand rights.
I have also called XXXX and they are not familiar with this agency, nor do they consider any of my XXXX accounts in anything other than a perfect standing.
Given the shady nature of this message and lack of real information I do not feel its appropriate to add any of my personal information to their 'form ' and mail something back to them. How can I understand if this is real without losing my personal information and being scammed?
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| 07/22/2021 |
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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In XXXX of 2021 XXXX made an unauthorized charge to my checking account. I disputed the charge for fear it was fraudulent. My bank saw it fit to reverse the charge and permanently give my money back. XXXX says it was a level up paymet to add money to my XXXX account. I have never authorized such a transaction, when I use XXXX it draws from my debit card with my bank. I have no need of a XXXX balance. I never authorized the transaction, and I can find no record of authorization. XXXX has been very unclear. I have disputed the charge, I have chatted with a customer rep from XXXX, I have spoken on the phone with a rep as well. I have also emailed XXXX. They have been of no help. All they want is for me to make the payment they could care less that I never authorized the charged. They made an error and they want me to pay for it. They also sent me to third party collections and the collections agency has contacted my parents and spoke to them over the phone about the debt, they also sent a letter to them and they opened it.
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| 02/22/2021 |
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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In XX/XX/XXXX, I received a letter from ACI attempting to collect a debt for XXXX. As I do not have any outstanding debts with XXXX, I sent a letter requesting validation. In return, I received a letter from XXXX stating that I opened an account under email address XXXX on XX/XX/XXXX. This is not nor has it ever been my email address. XXXX refuses to speak with me directly regarding this false debt because I " am not the owner '' since I can't log into the XXXX account. I can not do that, because I don't have access to an email address that isn't mine. I refuse to pay something that I legitimately do not owe and for them to contract a collection agency to add to my credit profile is damaging, to say the least. I'm not sure how this account was created and if it was whether it was created with my name ONLY, or with my SSN or bank information. I do not understand how I can be held liable for debts that I. Again, I can not obtain ANY of this information from XXXX even though this is supposedly my account.
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| 05/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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American Coradius International LLC sent me a debt collection notice for their client XXXX. I do not have a XXXX account, never did, and never buy anything that would offer an option of XXXX. The amount is {$110.00}. There is no date of transaction or description of item purchased. This is the first notice I have of this " debt '', having never received a phone call or bill from XXXX. It went directly to a debt collector. " If I act before XX/XX/2020, they will accept {$88.00}. '' I tried calling XXXX, but they have no phone customer service " because of the corona virus ''. I went to their website, but can not get past the first screen which asks for the member 's account No. and password. I have no account number. That is the problem. When I XXXX ACI debt collection company I saw similar complaints about this debt collector and XXXX. The address of ACI is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX was started by XXXX XXXX of course. I have reported this problem to U.S. Senator XXXX and state senator XXXX.
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| 06/22/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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This is a the same Company complaints as I reported XXXX ( last XX/XX/XXXX ) and they just passed it to another Collection Agency. They mailed it to me on XX/XX/XXXX, the time where we suffered also a tremendous impact done by COVID-19, we are suffering also of financial hardship. Attached is a copy of their notice, dated XX/XX/XXXX with the amount of {$8500.00} by a XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, toll free XXXX.
The vehicle that they are pertaining to was actually repossessed by taking away in my parking lot without any notification thus was reported to the Police of a suspicion of Thief Loss. Later, the company was verified that the vehicle was under their authority and sold to another person as the new owner. Accordingly as per se, we signed an agreement that we have to finish in paying our monthly dues but the dealer financier had never told or explained everything to us but just a signature. Hopefully, our complaints must be heard in your office, thank you very much.
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| 04/12/2021 |
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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I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my XXXX account. They used my XXXX account to make several payments. I reported this to XXXX as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the XXXX account balance was - {$310.00}. XXXX knew this was due to the fraud, but the amount got transferred to a debt collection agency : American Coradius International ( ACI ) LLC ( XXXX ). ACI has sent me a collection notice and a bill for {$310.00} despite the fact that XXXX has already recognized that the fraudulent spending occurred on my account. The bill says ...
Make Checks Payable to : American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
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| 08/25/2021 |
Yes |
- Debt collection
- Credit card 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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AMERICAN CORADIUS INTERNATIONAL LLC ( ACI LLC ) on behalf of XXXX XXXX XXXX is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
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| 11/16/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a letter in XXXX saying I owed XXXX XXXX. After receiving letter, I attempted to login into my XXXX which was now locked out. I called XXXX who transferred me to a 3rd party collector American Coradius International LLC. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called XXXX again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to XXXX. I have a limit on my XXXX card and have received statements for from XXXX for my credit card and no showing of this debt. and without access to XXXX, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.
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| 06/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I received a letter today ( XX/XX/2021 ) from American Coradius International LLC ( " ACI '' ) claiming that XXXX had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have.
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.
Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts.
I am asking CFPB to PLEASE put a stop to American Coradius International LLC 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!
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| 07/06/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Hello! I am currently submitting this complaint mainly because I fear that my personal information is being handled incorrectly. I recently received a voicemail from the debt collection company ACI. I understand the way collection efforts work, and I understand that calls are made, voicemails left, etc. But I was in my living room when listening to my voicemails and unfortunately now my roommates all know that I 've got a collection company attempting to collect a debt from me. All the information was flat out released with no concern for privacy. The voicemail included my name, a reference number, and the caller even stated that they were a debt collector, as if to reassure anyone that might be listening. I 'm afraid that if they happen to have any other phone numbers in their system, they may be leaving similar voicemails elsewhere. I 'm already humiliated by the fact that my roommates know that I 've got debts, I really do n't want anyone else to find out about my financial troubles.
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| 07/23/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Serveral years back. A Item was sold on XXXX, which they forced the use of XXXX. Which XXXX has now purchased. after months of communication and speaking to those at XXXX. Was assured it was resolved., but I guess not. Seller filed a dispute. XXXX ( being only a middleman merchanct account ) WOULD not disclose which CC wa suse dfor purchase to appeal and fight th efalse claim. Was at complete mercy of XXXX and their decisions. The item sold was NEVER returned to me ( seller ) as per XXXX rules, but the buyer or XXXX/XXXX. Complete violation of the rules @ that time. As of XXXX-2017 XXXX balance is ) .. ( XXXX ) no negative. well ACI contacted me.. over 6 years later now., ,.. reopening the claim. Which was previously closed/setted XXXX and XXXX were both placed in collections for the account as well. As well as a lein judment against that buyer, who lives out of state MI..not VA where I reside so its unenforceable. Want this stopped and fixed. No need to drag on, and on, and on ... ..
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| 07/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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The only method this company has used to contact me has been by phone. They did not communicate by mail first which I know is law.
The first phone call was last week on XX/XX/2019 from American coradius international they us a spoofer to hide there actual number they made it appear to be a local number ( XXXX ) XXXX When I informed. The women that was calling on behalf of XXXX that the debt was included in bankruptcy that had already been discharged, she told me they dont recognize bankruptcy and that I owed XXXX plus collection fees. I informed her to not call me again and hung up.
My grandmother then called me on XX/XX/XXXX to inform me that american coradius international on behalf of XXXX they informed her of a debt how much was owed and told her it would be in her best interest to contact me and make me call. This is a XXXX year old women they threatened.
american coradius international tried to call again on XX/XX/XXXX XX/XX/XXXX and this morning XX/XX/XXXX XXXX
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| 08/08/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In XX/XX/XXXX I received a notice dated XX/XX/XXXX, from American Coradius International LLC that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a XXXX, XXXX account # XXXX. Per the instructions in the collection letter, I notified ACI in a letter sent by certified mail on XX/XX/XXXX, that I disputed the claim, that the XXXX account number was not mine and that I had no outstanding obligations to XXXX. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. ACI never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XX/XX/XXXX, I received second debt collection letter dated XX/XX/XXXX, from ACI LLC for this XXXX bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to ACI and disputed the validity of the debt.
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| 12/12/2022 |
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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In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719.
I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) American Coradius International LLC is a debt collector Account name : XXXX Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
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| 10/20/2020 |
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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XX/XX/2020 received a letter from American Coradius International LLC ( ACI ) saying that this " XXXX XXXX '' ( notice no middle initial and last name removed ) owed {$270.00} in a XXXX account that they are collecting for. There are hundreds of XXXXXXXX XXXX in the United States. This XXXX XXXX XXXX has never had a XXXX account, so it's impossible to be in arrears to XXXX or ACI! XXXX won't answer any inquiries because the " debt '' is now ACI 's. Contacted ACI by phone XX/XX/2020. Got a lot of doubletalk without any resolution. On behalf of all the other XXXX XXXX in the United States, who were " cold-lettered '' also, I just wanted to submit a CFPB Complaint for the Record. I told ACI that I was going to file a CFPB complaint. How many elderly " XXXX XXXX '' received the same ACI letter indicating they would accept a lower payment of {$200.00} to consider the matter closed. Would have been nice for ACI to enclose a photo copy of the XXXX account that I never had!
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| 08/18/2020 |
Yes |
- Debt collection
- Credit card 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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Hello I have received a notification of a debt owed to XXXX XXXXXXXX by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from XXXX XXXX about this before. This is very odd that they took six years to initiate this action. According to ACI, the last payment l made to XXXX XXXX was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact XXXX XXXX directly but they are not accepting calls at this moment. The Debt Collector is American Coradius International LLC. Account Number XXXX, Reference Number XXXX.
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that XXXX XXXX would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.
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| 01/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I received a letter from American Coradius International LLC, informing me that my XXXX account was placed with their office for collection in the amount of {$440.00}. A payment plan was set up over the phone for scheduled monthly payments of {$64.00} beginning XX/XX/XXXX. These scheduled payments continued until XX/XX/XXXX.
I place a phone call on XX/XX/XXXX to verify if amount has been paid, and if there will be a refund offered for the over-paid balance. They responded and said, " They longer had access to the account, it was sent back to XXXX XXXX and they have no record of sent payments. I still owed {$440.00}. '' To confirm this, I called XXXX to verify sent payments and the unpaid amount on the closed account, they said they haven't received any payment and I still owed them {$200.00}. Upon learning this information, I reached back out to American Coradius International LLC, they responded, " the account did not exist ''.
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| 12/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 2 ) ( A ).
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| 07/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX submitted my account due to non payment to a collections agency American Coradius International LLC which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called XXXX and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent XXXX a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end.
I even submitted XXXX balance letter from collections agency to XXXX and up till today no one has contacted me.
I am getting the runaround with the collection agency as well as XXXX and I have taken care of this account almost 4 months ago.
Please help I am trying to do the closing in my house and this is the only thing stopping me from
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| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX is attempting to have American Coradius International LLC collect a debt on a fraudulent account that was not authorized. This account was already notified to XXXX as true identity fraud. I did not own this account and I do not. All of the bank accounts linked do not match to me. The charges on the accounts are not my charges. I did not apply for this account and I did not receive any benefit from this account. XXXX did not have my authorization or permission to open this account. The charges are fraudulent. I did not receive any cards from this company I didnt reach out to XXXX to pursue this account. XXXX was notified Im a victim of identity theft and XXXX chose not to investigate this situation and instead falsely accused me. No proof has been provided I do not own the email address they used to register this account and I will not accept liability for this debt this is true identity fraud and I am disputing this debt.
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| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received on XX/XX/XXXX via postal mail an official-looking paper ( and envelope ) from American Coradius International LLC XXXX XXXX attempt to collect a debt from XXXX, XXXX XXXX XXXX amount of {$2800.00}. I very rarely use XXXX, and am not aware of any purchases. I contacted the company at the number listed ( XXXX ) XXXX to get more information. They asked for the Reference # on the letter, had me verify my mailing address, asked me if I was claiming fraud ( yes ), asked me if I recognized an email address of XXXX ( no-do not recognize that name either ), then asked me if I recognize XX/XX/XXXX ( yes ), then asked for the last XXXX digits of my SS # ( which at this point I am suspicious and did not answer ). She ( XXXX XXXX said shed submit as fraud and I could disregard. I then contacted XXXX. They had a XXXX balance, said they did not recognize the account # listed on the letter, and canceled my account at my request.
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| 04/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I received a collections letter in the mail from ACI ( American Coradius International LLC XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me.
ACI sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me.
The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates.
This is identity theft. I have reached out to the original debtor ( XXXX ) and told them as such.
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| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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It has come to my attention that American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX never loaned me money. Banks can not loan money, Congress never gave banks the power to loan money.
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a bill from a collection agency called ACI ( American Coradius Internat'l LLC ) . It stated that XXXX had turned over a debt that I had incurred with XXXX for {$1000.00}. I have NEVER used XXXX for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact XXXX. XXXX told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to ACI, what would have happened to it? I read on the XXXX site that other people have gotten bills from ACI and did not owe XXXX any money either. I XXXX ACI and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sold and shipped a mountain bike to the buyer. It was delivered XX/XX/22 3 months after delivery the buyer opened a case via XXXX.
I provided Tracking # and proof of delivery to XXXX and XXXX decided the case in my favor ( seller ) On XX/XX/22. Pictures of the bike were also provided.
A few weeks later a chargeback was filed by the buyer. Wouldnt the buyer have raised issue with the transaction at time of delivery. Not 3 months after?
Its been 6 months since I sold the bike.
I received a collections letter today.
How is this legal? I sold and delivered ( shipped ) the bike exactly as described. The buyer received the bike in satisfactory condition, has been using the bike. The buyer has the bike still and has scammed his money back from the credit card company which is now sending me collections letters even though XXXX decided in my favor. It was an expensive bike, nearly {$5000.00}.
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Since last year of XXXX, my XXXX account has been restricted from use. This XXXX XXXX claimed that my account had a negative balance since my linked bank account could not honor the transaction. XXXX began to send me letters to bring my account to positive. In the economic while dealing with my financial difficulties, I received a letter dated XX/XX/XXXX from debt collection agency American Coradius International LLC for {$500.00}. Thereafter, another letter dated XX/XX/XXXX from collection agency XXXX XXXX XXXX. I attempted to call both collections to pay the debt and they had no record of it. I contacted XXXX to dispute the debt and they gave me another collection agency XXXX XXXX XXXX number of XXXX ( XXXX ) XXXX. I called them as well with a conclusion of no record of any debt with my name. XXXX is an utter failure to resolving any issues and they need to lift restrictions off my account.
|
| 12/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Our XXXX account was charged {$39.00} on XX/XX/21 by someone unknown to us using my debit card number which was never on the XXXX account. We contacted our bank the charge was fraudulent and our money was restored to our account.
We closed the XXXX account. On XX/XX/21 we were contacted by XXXX XXXX regarding the debt. They said they would send an email of the transaction that we never got. On XX/XX/21 we talked to XXXX XXXX at XXXX regarding this debt. On XX/XX/21 XXXX XXXX stated he would send as fraud to XXXX. Now we have gotten a collection letter from American Coradius attempting to collect the same debt. These collection companies are harassing us by passing this fraud claim around in hopes of getting money they are not owed.
Closed XXXX account # XXXXXXXX XXXX XXXX account number XXXX ( XXXX XXXX XXXX ) American Coradius International account number XXXX
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| 09/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter on XX/XX/21 from American Coradius International LLC saying that I owe {$1300.00} on my XXXX account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. American Coradius International LLC is requesting that I make the payment directly to them ( instead of to XXXX ).
I contacted XXXX and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to American Coradius International LLC, as they believe it is fraud.
I believe the letter I received from American Coradius International LLC to be fraud/scam or a case of identity theft and do not plan to contact them.
|
| 09/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
I recently received this Collection attempt from American Coradius Intl llc, and dispute this collection in its entity XXXX XXXX # XXXX amount {$1000.00} reference number XXXX as an ongoing fraud filed/ID theft XX/XX/XXXX. XXXX recovery. I called them and disputed this ID theft and following up with CFPB. As best I am able to discern it is an on going attempt to collect monies I have no idea of it. I moved to XXXX, XXXX XX/XX/XXXX, I stopped living in FL at that time any debts prior I do not recall ever seeing and I am surprised when this showed collection attempt came. I have been XXXX since XX/XX/XXXX per SSA My wallet went missing in XXXX when i moved out of the country i vigorously deny any association of any use of XXXX or XXXX XXXX with this referenced account. Further I wish to have them not to report this credit bureaus as uncollected debt.
|
| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
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Hello, a few minutes ago I got a letter from " American Coradius Internacional Inc '' Where I owe them {$57.00} where the creditor is XXXX, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by XXXX, since in the official forum of XXXX many people received this letter in which they allege that they received this letter with an invoice, and XXXX has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of XXXX charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a XXXX negative balance.
Forwarded each email to XXXX as site instructed.
No transaction matching the debt has occurred on the XXXX account.
Response from XXXX : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance.
In each instance the XXXX account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions.
XXXX XX/XX/2021, letter received from American Coradius International LLC claiming to represent Creditor : XXXX XXXX XXXX Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.
|
| 10/30/2021 |
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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Today, XX/XX/2021, I received a debt collection letter from American Coradius International LLC. They say tgat XXXX XXXX sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that XXXX was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use XXXX again, I would have to pay the remaining balance. A few years back I used XXXX to make a purchase, but because I never used it I recently closed the account. I did not owe money because the XXXX account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.
|
| 01/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics.
Kindly provide detail for this matter so we all can arrive at proper satisfaction.
XXXX XXXX
|
| 12/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
|
| 01/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.
|
| 11/06/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2021 I XXXX XXXX validation letter was sent to ( ACI ) AMERICAN CORADIUS INTERNATIONAL LLC This company has only provided a transaction history with both paid and unpaid amount from original creditor XXXX .
This company/ organization has failed to provide original agreement and exact amount owed plus the following below : What is the dollar amount owed?
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s.
|
| 09/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
|
| 08/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a collection letter from American Coradius International LLC today attempting to collect {$4000.00} from a XXXX XXXX account that I have no idea existed, and certainly was not opened by me ( 2015 ) without my knowledge or consent. Not the first time I have had to dispute fraudulant accounts with XXXX or especially XXXX XXXX. Both should be held criminally responsible. This account has not shown up on any recent credit score reports. I have contracted with a credit score repair firm XXXX XXXX XXXX over the past few months and this account whether delinquent or active has never appeared on my report. I would like to charge XXXX XXXX with criminal negligance for allowing this account ( again ) to be opened without my knowledge or consent and thus negativley affecting my credit score.
XXXX XXXX XXXX
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up.
I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt.
I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.
|
| 09/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe XXXX {$550.00}. I owe XXXX {$0.00}. I have attempted to investigate this matter with XXXX six times since yesterday, but I have not received meaningful contact from XXXX. I was also on hold with the XXXX Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to XXXX, I would have been notified directly by the company first. Finally, XXXX issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that XXXX owed me.
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted XXXX and XXXX. PLEASE HELP ME.
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/13 at XXXX pm I received a call from someone at American Coradius International stating they were a part of the collections team with XXXX and that my account showed an outstanding balance of {$4500.00}. I checked my account and showed no outstanding balance and asked them to provide me with any other information that had on file which they couldn't. I looked this company up online and it appears ( based on reviews ) a ton of others have been called stating they had a balance to pay on their XXXX account when in fact they did not and the company continued to try and collect so called debt. I hung up the call immediately and checked my mail to see they also sent mail to me to collect on this XXXX balance. Account numbers all incorrect. XXXX account in good standing. ( see attachment )
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My sister sent me money through XXXX and her husband disputed the charge in error. It was corrected and XXXX is still trying to charge me and my sister back. XXXX sent me to collections for {$340.00} that I do not owe.
XXXX XXXX XXXX Collection agent is American Coradius International LLC sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt.
My sister nor myself have been credited this amount therefore how could either of us owe anything.
I've worked hard to not have collections on my credit to have XXXX put me into collections for no reason. XXXX said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received notice from American Coradius International LLC concerning a XXXX debt for {$2600.00}.
XXXX. I have never had a XXXX credit card.
XXXX. My account number is nowhere near the same account number they represent.
XXXX. XXXX has my transaction records that show my expenses, and there have not been any fraudulent activities since 2001.
XXXX. The letter describes " XXXX XXXX XXXX '' when the actual name of the business is " XXXX XXXX XXXX ''.
XXXX. I have all three credit companies that I review at least once a week ; XXXX, XXXX, and XXXX. There is no fraudulent activities shown on any of them for the last 6 years.
XXXX. I have my credit locked by all three companies.
This is an attempt to obtain money when there is no evidence of inappropriate purchases or another credit issue.
|
| 10/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt collection letter from American Coradius International LLC stating I owe XXXX money, yet I have no XXXX balance and XXXX has never contacted me about owing money. I think my credit card company that I use would be contacting me about this since that's what gets charged when I buy something through XXXX.
This is what they are trying to say As of XX/XX/XXXX, I owe {$98.00} Additional debts : {$510.00} no interest no fees Total amount owed {$610.00} I have not used XXXX since XXXX of XXXX.
They say this is in reference to XXXX account number XXXX. XXXX does not use account numbers, they use your email address to identify your account.
Here is the address and phone number they gave XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( how funny, my address numeric ) XXXX NY XXXX XXXX
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint.
American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.
|
| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International , LLC, dated XX/XX/2020. I received the letter on XX/XX/2020. The letter is for an alleged debt with XXXX XXXX XXXX in the amount of {$290.00}. I do not owe this debt as I have never had an account with XXXX XXXX XXXX XXXX I called XXXX XXXX XXXX, and confirmed with them that there is no account in my name, attached to my phone number, or the account number provided by the collection agency.
On XX/XX/2020, I sent a certified letter, return receipt requested, to the collection agency. There are 2 addresses listed on the letter and I sent a copy to both addresses.
When researching this, I found that the XXXX has at least 174 complaints about this collection agency.
I have also reported this to the U. S. Postal Service.
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection letter on XX/XX/2022 from American Coradius International LLC XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, NY XXXX They claim I charged {$510.00} on a XXXX XXXX XXXX XXXX account. They claimed a credit or payment had been made for {$130.00} and I currently owed {$380.00}.
THIS IS FRAUD AND FALSE I never had a XXXX XXXX in XXXX account. I never charged {$510.00}.
I called XXXX on XX/XX/2022 at XXXX and XXXX XXXX the letter is fraud. There are no transactions on any account in my name for that amount. The XXXX transaction ID is incorrect.
The letter was sent to my address, but did not use my correct legal hyphenated name.
I'm concerned people with think this is real and pay it since it's debt collection.
YOU NEED TO STOP THEM FROM SENDING THESE LETTERS.
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A deposit was made to XXXX thru XXXX. The wrong amount was attempted to be withdrawn threw my checking account that had insufficient funds to cover the amount. XXXX went ahead and paid draftkings the amount, even though it was a technical glitch on the draftkings site. XXXX then tried to charge the unauthorized amount of {$13000.00}. AN amount that was nowhere near what I had in my account and the charge shouldve never went thru. My checking account returned the money as it overdrew my checking account for insuffient funds.
Draftkings blocked me on there site and I couldn't get the money return as they deleted my account. XXXX did not help me resolve this and sent the debt to collections when they should have never gave money that I didnt have to a gambling site.
|
| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft. XXXX was one of the credit cards that were fraudulently taken out in my name. I spent hundreds of hours trying to correct it. They would not cooperate with Sheriffs Dept until they were threaten with the state attorney. I had to get a lawyer before they would take it off my credit report. This was around XX/XX/21 Then out of spite I'm guessing they sold this off to a credit collection agency. I was notified around XX/XX/XXXX of this year by ACI that I owed money on this debt again of identity theft! I explained to them I did not owe them. I was hung up on. And harassed me repeatedly. They called family and friends telling them about my file! Recently found out they hit my credit with this debt again after it was taken off.
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In the beginning of this year, I was getting emails about random people putting claims out on my account stating that I owe them money. I tried to dispute these claims and XXXX stated that it was too late since the money was already taken out of my account. XXXX then drains my account and I had to end up closing my bank account connected to XXXX due to fraud activity. XXXX has not helped me, theyve just taken money out while I have tried to tell them my these activities that have claims was not me. I am also just now receiving this letter 11 days later which the letter is stamped at XX/XX/XXXX and told I need to respond my XX/XX/. I also can not login with my information on XXXX. I have changed my password and I am still unable to get into this account.
|
| 10/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from the creditor by the name of American Coradius International, LLC on XX/XX/XXXX.
Claiming I owe an amount of {$360.00}.
I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed.
Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud.
I also decided to research this American coradius international LLC and found multiple sources saying this is fraud as well.
I then contacted this creditor directly and they informed me this was from XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
dates : XXXX XXXX XXXX at different times. the company is XXXX ( american coradiaus international LLC. this company has been contacting me on behalf of my debt with XXXX XXXX savings bank. i agreed on an amount to be taken out of my checking account but i do not feel comfortable with giving this type of information because they could be scamming me. i already gave them the checking account and routing number but i do not think they should have asked for this information. and they do not give me the full account numbers for my past due XXXX XXXX XXXX bank accounts, only the last XXXX digits. i would like for this company to not go into my bank account and not take anything out. i am a XXXX veteran and do not feel well at times. please inform them of this
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter in the mail ( date XX/XX/2021 ) from American Coradius International LLC ( ACI ), saying that I owed a debt to XXXX and they are collecting on that debt.
I do not owe any money to XXXX. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching ACI a little more, apparently they use these same tactics on/with many others.
I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received on XX/XX/2023 a debt collection letter from American Coradius International for a XXXX XXXX account which I have never opened.
The initial 'debt ' was for {$66.00}, with American Coradius adding additional 'fees ' of {$230.00} for a total for {$290.00}.
My information has been involved in several Data Privacy Leaks in the past, and because of this I have Frozen my credit for over 2+ years. I have never opened a XXXX account, and after speaking with XXXX they informed me they are able to open new accounts with simply a First Name, Last Name and email address, and no verification.
XXXX informed me that the account was tied to a XXXX address which is not mine.
XXXX is enabling Fraud, and does not care how it impacts consumers.
|
| 01/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American, Servicemember |
|
I received what I believe was a scam call from XXXX at XXXX XXXX on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!
|
| 08/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
American Coradius International LLC is attempting to collect an alleged debt that I do not owe. I, the consumer and natural person, has sent, in writing, a cease to desist demand of all and any communications including reporting information or sharing data without my permission to non affiliated consumer reporting agencies about this alleged debt to try to coerce me to pay. See attached documentation showing certified mail has been sent with the cease to desist demand to American Coradius International LLC and the letter for your view electronically. American Coradius International LLC does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited.
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from American Coradius International concerning a XXXX account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on XXXX website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a XXXX account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to XXXX and I would not hear from them again. XXXX should require more verification to open an account and not put thousands of people in this position.
|
| 08/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.
|
| 01/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from American Coradius International LLC on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called XXXX and ACI and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
|
| 04/18/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.
|
| 07/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened a fake account in my name and address with XXXX XXXX XXXX That person 's email address is XXXX. The purpose of this complaint is to register this email as fraudulent and the owner participated in falsifying my information to make transactions on XXXX back on XX/XX/2018. They closed that account XX/XX/2018. I received a letter from a debt collector ( ACI ) dated XX/XX/2018 that I owe XXXX {$1400.00}. Transactions were made to someone named XXXX and another person XXXX XXXX. I do not know these people. XXXX has resolved the issue to my satisfaction. I just want to report this email and make people aware that they need to immediately call XXXX if the get a letter like this or suspect fraud.
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I was contacted by mail from a debt collection agency named American Coradius Internationa LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, about a XXXX debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from XXXX XXXX, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, XXXX never reached out to me by mail to validate the account or purchase. NOTE, the American Coriadus reference number is XXXX.
|
| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notice in the mail from American Coradius International LLC indicating that I am subject to debt collection from XXXX. I do not use XXXX and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the XXXX account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to XXXX to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I reported a " debt '' as fraudulent to American Coriadius International LLC ( ACI ). Whoever incurred this debt initially with XXXX didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}.
After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.
|
| 10/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received a notice for debt collection from American Coradius International dated XX/XX/2019. On XX/XX/2019, I sent a debt validation letter via mail and fax to American Coradius International, stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect this debt that I do not owe. I have had to send another letter today via fax and will send it once again by mail. I do not owe this debt and want the calls, letters and attempts at collection to cease.
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill from American Coradius International ( ACI ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my XXXX account. I called XXXX, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to disregard it. I have already filed a claim with the XXXX as well. There are hundreds of fraud/ phishing complaints about ACI on the internet, and I am curious if they are true.
|
| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received a letter from American Coradius International LLC stating that I owed XXXX {$300.00}. I have never had a XXXX account. I have never used XXXX or even tried to go to their website. Also, it is my understanding that XXXX is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me.
The letter says to send checks to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company " American Coradius International '' sent a collection letter to us stating that XXXX is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY XXXX account that we have, so how is it that we are in collection mode from XXXX?
So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of XXXX.
|
| 01/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received a letter from a company called XXXX who is collecting on behalf of XXXX XXXX XXXX. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail.
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
|
| 01/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX from American Coradi international ( http : //www.americancoradiusinternational.com/ ) contacted me numerous times : XX/XX/XXXX at XXXX XXXX PST, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and today XX/XX/XXXX at XXXX XXXX.
Even though he has my address, he has refused to send anything to me or negotiate with me. I have reported his unprofessional behavior to XXXX who hired this collection agency and they are investigating.
My credit score has dropped a lot because of American Coradi 's tactics.
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved.
|
| 02/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
hundreds of robocalls from ( XXXX ) XXXX / ( XXXX ) XXXX and other for the past 5 months with the prerecorded 39 seconds message - For your convenience, you can now visit us on the web at XXXX have your reference number available with you and logging in again, refer to reference number XXXX. And the number to call is XXXX. Thank you for your convenience. You can now visit us on the web at XXXX have your reference number available with you and logging in?
most recent timestamps : XX/XX/2019:XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX ...
|
| 05/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I received a XXXX debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called XXXX to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the XXXX representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( American Coradius International, LLC. ) with respect to amounts owed to XXXX relating to the fraudulently opened account.
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter XX/XX/2021 from American Coradius International LLC claiming I owe {$500.00} to XXXX and they are willing to take a settlement payment of {$370.00}. I contacted XXXX immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an XXXX already as well as XXXX and made them aware of this matter.
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2022, I received a bill from American Coradius International, a collection agency, for {$29.00} that they claim I owe XXXX. My XXXX account balance is {$0.00}. I never bought anything using XXXX for that amount of money. I contacted XXXX and they told me to ignore the letter because I do not owe XXXX any money. The bill includes a XXXX account number, but XXXX does not use account numbers. You log into XXXX using your email address, so it's obviously a bogus bill. I read of other people on the XXXX forum who received similar bills. Can't American Coradius International be forbidden by law from sending out bogus bills?
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX has outstanding amount due for {$74.00} on my account which they claim was paid/credited to my XXXX credit card, but I never received it. I disputed the charge with XXXX and the amount was retruned to my credit card, however, XXXX turned around to charge me account with the amount. Now XXXX has sent the {$74.00} to a collection agency.
This was for a returned purchased from XXXX, which I paid using XXXX and my XXXX credit card was connected.
I have asked BOTH XXXX and XXXX to look into this as I should not be paying for returned merchansdise and for a credit I was owed. But they are unable to help me get this fixed.
|
| 04/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
|
| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.
|
| 08/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a notice from ACI, American Coradius International LLC, regarding a debt that I do not owe. The bill from this company is not even in my name. Someone named " XXXX XXXX. '' My name is XXXX XXXX XXXX.
I sent a request to this company for proof that this is my debt, who the original debt owner was, the account number, amount, date of last payment, when the account was opened, closed, and sent to collections. I received no response from ACI.
I want this company to stop contacting me about a debt that is not mine. They are required to provide proof this is my debt, they did not follow the law and do this.
|
| 06/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another XXXX member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.
|
| 12/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has never identified themselves, though in multiple saved voicemails, they refer to themselves as American radio international, which is a lie. I have no idea who they are, what debt theyre trying to collect, why they are frequently contacting waaay more than 7 times in 7 days, nor do I understand why they are spoofing numbers and lying about their name. This company is harassing me, breaking federal laws, has never once sent me any sort of mail and/or debt validation, and Im tired of it. They need to stop contacting me since theyre incapable of doing any of it professionally or legally.
|
| 02/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022 American Coradius International LLC sent me a notice that I owed {$2200.00} on a XXXX account. I don't owe anything on my XXXX account and I have a XXXX balance.
Since XXXX is tied to a credit card. Any charges would have been applied to the credit card on the XXXX account, which in my case is an expired card, so any attempts by anyone to use my account would have not gone through to begin with and XXXX would have sent me a note asking for a good card to charge it to. We have not used XXXX for over 6 years. Therefore this an obvious attempt by this company to scam us for this money.
|
| 12/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
We received a notice on XX/XX/XXXX21 from American Coradius International LLC Dated XX/XX/XXXX21 stating they are collecting a debt to XXXX XXXX XXXX of {$210.00}.
I called XXXX, XXXX on XXXX/XXXX/21 and verified that I have no negative balance in my accounts with them. The XXXX Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities.
I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company.
I will be calling XXXX on Monday XX/XX/XXXX21 to formerly dispute this claim.
|
| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
After selling a product on XXXX and using XXXX as a payment form, the buyer of the product stated false claims and after 2 months of use wanted his money back resulting in a negative balance for {$670.00} plis {$15.00} Processing fee on my XXXX account.
I offered resolution as to a partial refund to the buyer and got no reply. Right now the buyer STILL has my product and never returned it for a refund and I am out {$680.00}.
Meanwhile as I am striving to build me credit I did get a letter from a credit bureau claiming this money which I DO NOT OWE.
I have attached the list of conversations.
|
| 02/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is the second time i have received a letter from American Coradius International LLC, stating that i owe XXXX money. I have contacted XXXX about the issue and their is no such thing as the amount that is stated in the letter. I have called, and have repeatedly told American Coradis that it is not valid and to have send proof for verification, which they have not done. They keep sending me mails, and calling me about it. I am tired of them using unfair and deceptive practices to collect debts that consumers such as myself do not owe. I hope their will be no third time for another complaint.
|
| 02/10/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
The student loan is predatory ... Paperwork indicates a $ XXXX loan with a balance due of $ XXXX ... loan was quickly sent to collections with missed payment and the harassment and threat of lawsuit has ensued ever since ... they threatened family members into making payments for years WHO had no association with the loan ... I was not aware collection was taken from other people ... paperwork is attached with record of this and the harassment continues. My co-signer has passed away and other people are being contacted as well as calls through the day when I have provided a best time to call.
|
| 11/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from American Coradius International claiming I owe {$420.00} to XXXX XXXX XXXX XXXX This is not my debt I've never made any such charges and I always pay XXXX instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with XXXX and I never made a charge in that amount. This is a scam and/or identity theft.
|
| 08/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a written demand for {$520.00} from American Coradius International LLC XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX on XX/XX/2021.
It alleges that I am in arrears to XXXX XXXX and that they have been assigned my delinquent debt under account # XXXX.
I have only one XXXX account and that balance is, and has been for years, {$0.00}. I am uncertain if this is a case of overt fraud or mistaken/stolen identity, but my credit has been frozen for years and I'm having a hard time imagining a situation where someone was allowed to open a new line of credit under my name.
|
| 03/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Hello, On XX/XX/XXXX I purchased a game system off XXXX for {$230.00} using XXXX. The seller cancelled the shipment and I received my refund on XX/XX/XXXX. The refund took a lot longer than expected but all was well. On XX/XX/XXXX XXXX charged me {$230.00} with the description " refund complete ''. It did not take money off my linked card number but my XXXX has a sitting negative balance. I received a letter early XXXX around the XXXX from " XXXX XXXX '' claiming I owe them {$230.00}. Is this company trying to scam me? Help me solve this issue. XXXX sends me through automated emails.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2020, I received XXXX letters from American Coradius International ( ACI ) LLC dated XX/XX/2020. XXXX letter was addressed to me and stated they are trying to collect {$610.00} on behalf of XXXX. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of XXXX ( see attached documentation ). After contacting XXXX, I was told that neither of these charges came from their office and the account number associated with ACI 's claim does not exists. Additionally, ACI has used both our middle names, which is not listed in any account information with XXXX.
|
| 07/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive received a letter stating I owe XXXX a {$100.00}. The company American Coradius International LLC.XXXX stats I can pay a reduced amount of {$75.00} that XXXX is willing to accept. Ive searched online looking into this company and they have terrible reviews of scamming people saying they owe money. I havent reached out to XXXX but from what Ive read XXXX doesnt do business with this company. All my XXXX accounts are current or paid when making any purchase. I dont have a XXXX credit card either. This company needs investigated and shut down before anyone gets taken advantage of.
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On Friday, XX/XX/2022, I received a letter from American Coradius International LLC ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) stating that they are a debt collector seeking payment on behalf of XXXX for an amount of {$590.00}. I have a XXXX account but have not had recent purchases that large. I reviewed my transaction history on XXXX and saw not charge that large or any outstanding balances. I then called XXXX and they confirmed that I owed no debt. If you XXXX the company, there are several hundred XXXX Reviews on this company sending out these fake letters.
|
| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
American Coradius International LLC ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to XXXX ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my XXXX account and have also called to confirm with XXXX that I don't have any debt previously or currently. I don't have a XXXX credit card and I only use XXXX to make payments using my bank debit. I have no balance that I owe to any creditor through XXXX.
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX I received a letter in the mail from XXXX XXXX stating I owed a debt for XXXX. When I called they said I could resolve it at a discount for {$230.00}. I paid that debt as they had alll my XXXX information and said they were XXXX. They even were able to show my charges on my XXXX account. So I believed them. Come to find out, my account was never resolved. I only owed XXXX {$12.00} which they say has never been paid. I was scammed from a debt collection company and they falsely represented themselves while also having all my personal information.
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I received a letter from American Coradius International stating that I owed XXXX {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted XXXX support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other XXXX users are getting the same fraudulent letters from the same company.
|
| 02/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Made a XXXX account and transferred $ to my bank account. The deposit went in XX/XX/XXXX. It was returned XX/XX/XXXX. Called them on XX/XX/XXXX, they gave me an a email XXXX XXXX XXXX Emailed them toshow them proof of that the $ was returned on my bank statement to XXXX.
The email didnt go through because it was not valid. Called them back right alway to tell them that their email was not valid. They tell me they been getting emails today and it was working. They are wrong, I told them bring me to court because I have proof and that I will report them.
|
| 07/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
So, American Coradius International L.L.C is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX XXXX credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
|
| 08/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.
|
| 12/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2020 I received a letter in the US postal mail from the collection agency American Coradius International LLC stating that I owe the creditor XXXX, XXXX {$1900.00}. This in not correct. I have no transactions on my XXXX account ever. I made several attempts to contact XXXX by phone and could not get through. I was redirected to sending an email to XXXX.
I sent an email per the XXXX instructions on email fraud with an attached copy of the debt collectors bill to XXXX. I received an auto reply from XXXX in response to my email on XXXX.
|
| 01/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a letter from a company American Coradius International LLC claiming that I owe debt to XXXX, XXXX Account Balance is showing {$130.00} My current balance with XXXX is XXXX dollars and I 've never had any issues with XXXX . At the same time XXXX does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid.
I 'm not going to respond to them as I believe it 's a scam!
|
| 11/10/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.
|
| 02/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.
|
| 09/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter in the mail on XX/XX/2021 from American Coradius International LLC claiming that XXXX has sent my account to collection in the amount {$9100.00}. I have once opened a XXXX credit account in my life, and my one and only XXXX account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to XXXX on any of my credit reports.
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe XXXX {$120.00}, reference # XXXX, acct # XXXX.
The " debt '' was submitted by American Coradius International LLC.
I went out to XXXX and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used XXXX for in the past XXXX years ). They show no other outstanding payment issues.
Attached is a photo of the letter referenced above.
Please advise regarding next steps to handle this fraudulent claim.
XXXX XXXX
|
| 12/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt supposedly through XXXX. I had an account that I closed XXXX years ago. The debit says that as if XX/XX/22, XXXX years later I somehow owed {$62.00} even though I didnt receive anything from XXXX and my account was at {$0.00} when I closed it. I called XXXX and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX.
I tried the all American coradius international llc and they are closed. Also, this is a scam so I dont want to interact too much.
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, I noticed unauthorized charges from my XXXX account and reported to XXXX right away as well as to my credit card company XXXX XXXX XXXX ).
Starting from XX/XX/2021, XXXX sent me XXXX emails telling me I got double credits for the disputes I filed and put {$530.00} into my XXXX balance negatively.
I called XXXX right away upon seeing these emails and charges placed by XXXX and asking for getting the issue resolved. None of my XXXX calls get the problem settled.
Now I start receiving debt collection calls and mails.
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a letter in the XXXX XXXX on XXXX the XX/XX/2023 stating I owed {$430.00} to XXXX. The reference number they gave me is XXXX and the account number is XXXX. I check my XXXX account and it show no outstanding balance. I contacted XXXX an confirm this. I believe America Coradius International LLC is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to XXXX fraud department. This whole scenario sound like possible fraud.
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received collect satement letter from ( ACI ) American Coradius international LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) for the amount of {$480.00} ACI reference XXXX XXXX from creditor XXXX XXXX XXXX . I contacted ACI on XXXX XXXX XXXX XXXX ( w/ XXXX ) asking about this matter where I don't have ant XXXX account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.
|
| 11/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a collections letter for a debt that isn't mine. I contacted XXXX directly, but they didn't have any accounts associated with me. I sent ACI a letter ( ACI response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted XXXX collections again with the information and informed them this is not my account and I have reported the identity theft. ACI has again sent another collections letter trying to collect an increased amount.
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My XXXX account was hacked and some charges were made onto the account creating a negative balance. I mailed a payment on XX/XX/XXXX to the payment account address in XXXX. On XX/XX/XXXX the check I sent in was cashed for {$1000.00}. To date they have yet to apply the payment to my balance and sent it to ACI solutions collection agency. I have about 20 calls back and forth, numerous messages on their online chat system and even tried their XXXX page. No one seems to care or want to assist me. I will not pay this balance twice.
|
| 07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello the American Coradius International sent me a letter stating that I owe XXXX usd to XXXX for a account that I have never used before. I called them to try and dispute the claim but I was told that their is nothing I could do about it besides pay the fee. Please help I did not do nothing wrong and do not have the funds to pay for this when it was not my fault. The letter has my name and address on it as well. I have done research and have heard of many people getting scammed after receiving these kinds of letters.
|
| 10/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company called an old acquaintance of mine who has never lived at the same address as me. A representative of this company disclosed the alleged amount owed and to whom I owed it to before even validating the debt. They can not tell where or from whom they received this contact information. They can not tell me from who or where they received this contact from. They have information about me unrelated to my alleged debt that they are using solely to Bully, intimidate and harass me. This is unethical and unlawful.
|
| 03/16/2023 |
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 |
|
|
I received mail from USPS from American Coradius International LLC about the following : Creditor : XXXX XXXX XXXX XXXX
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond.
I have reached out to XXXX directly and they do not have any account number listed presently or in the past. I currently have an account with XXXX and it is in good standing.
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ).
On XX/XX/2021, they denied my claim for unauthorized transactions.
On XX/XX/2021, they stated that there WERE unauthorized.
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by XXXX IMMEDIATELY.
|
| 03/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
American Coradius International, LLC is sending me collection notices in the mail on behalf of XXXX to collect on my XXXX in XXXX acccount. I believe this is fraud. I dont owe XXXX XXXX money and while I have a XXXX account I do not have a XXXX in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported.
The company is American Coradius International, LLC Telephone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Receiving calls from ACI LLC, XXXX. Recorded msg refers to debt collection. Neither I or my wife have any outstanding debts and have 820+ credit ratings. Today ( XX/XX/2020 ) received 2 recorded calls from ACI so I called them after the second call today and they asked for my name, which I refused to provide ( They could see the number I am calling from and it is the same number as they are calling me on. ) Respondent said he would have to refer me to a supervisor. I hung up after being on hold for 5 minutes.
|
| 12/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them.
So I am sending a dispute letter requesting verification of this debt.
I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
American Coradius International ( ACI ) called me on XX/XX/2022 at approximately XXXX. They explained they were calling to collect a XXXX XXXX XXXX XXXX loan against a company I no longer work for. This was the third call they had made to me over the past three weeks and each time I explained that : 1 ) The loan was provided to a business and they are calling a personal cell phone of a former employee.
2 ) The business had closed ( out-of-business ).
3 ) Please stop calling.
They continue to call me.
|
| 11/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I used to have a credit card with my ex husband with XXXX and the credit card was assigned to him in the divorce. I have given American Coradius international proof of the court order and the fact that my name was removed from the XXXX account but they continue calling me.
Specifically, XXXX XXXX ( might not have given me his real name ) lied about the fact that he had not received the court order or that my name was not on the account anymore.
The tactics used by this company and Mr. XXXX are illegal.
|
| 05/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have repeatedly contacted my XXXX year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my XXXX year old great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..
|
| 04/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX the XXXX I received a letter from American Coradius International LLC. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is XXXX XXXX. I do not have a XXXX account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them?
Please help.
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My XXXX account was hacked and I submitted a dispute for the charges with both XXXX and my banking institution. According to my bank and XXXX, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from American Coradius International LLC stating I owe the same money that was returned to me. XXXX shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if XXXX says it's resolved on their end.
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX. somehow indicated a debt on my account. I called XXXX at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and XXXX and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
|
| 10/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
|
| 05/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from American Coradius International LLC stating I owed a debtor {$630.00} and named XXXX, XXXX as the creditor. While I have a regular XXXX account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a XXXX credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Cordaius International stating that I owe XXXX a {$30.00} debt as of XX/XX/23. I don't have a debt on my XXXX and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from XXXX but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else.
A photo of the letter is attached.
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International LLC, the number is XXXX. They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX. I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX. I'm reporting them to you for investigation of fraudulent debt collection.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from a third party debt collector, American Coradius International LLC in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to XXXX XXXX XXXX XXXX
I use my XXXX regularly and neither my regular XXXX nor my XXXX credit account show any balance owed or past due.
The letter claims that XXXX will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to XXXX 's security team as well.
XXXX XXXX
|
| 07/31/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX and American Coradius International have been informed of the private student loan debt being included in bankruptcy. They were both oficially notified by the court regarding the bankruptcy. They are still continuing collection efforts. They have also now posted a collections account to my credit report after the debt was discharged in bankruptcy. American Coradius International associates stated they know it was in bankruptcy are told to still collect.
|
| 08/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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|
American Coradius International LLC has willfully and knowingly violated Federal consumer laws. They have commited multiple FDCPA violations which includes contacting I, the consumer, without prior consent pursuant to 15 USC 1692c ( a ). Cease and Desist order was mailed out XX/XX/2021 and they continue to contact me about this allege debt pursuing payment which is a direct violation of 15 USC 1692c ( c ). Attached are all records of mailing and Bill of Particulars.
|
| 05/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter on XX/XX/2021 from American Coradius International LLC stating they are collecting a debt on behalf of XXXX for {$210.00}. I went ahead and contacted XXXX XX/XX/2021 and inquired about this collection and they were able to clarify that this was incorrect and there was indeed no debt collection requested for my account. I have done research online and apparently this company is notorious for illegitimate collection from people on behalf of XXXX.
|
| 07/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Rec'ed in the mail, at my work addr : U.S. Federal Courthouse, Southern District of Florida , a letter showing that I owe almost $ XXXX to XXXX and this company was attempting to resolve the debt. I have no XXXX Accts and all new accts must be approved by me in advance. Additionally, the mail was sent to the job addr and not my home addr shows it to be fraudulent. Wrote a letter disputing the acct and that I have filed a compliant with you. Mailed dispute letter.
|
| 07/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested debt Validation from American Coradius International LLC that represents XXXX XXXX XXXX and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but XXXX responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking XXXX to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I receive a letter from American Coradius International LLC stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent XXXX. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date.
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY.
I already called XXXX and they don't know what I'm talking about.
I logged in to XXXX forum and there are many customers with this same situation.
|
| 03/16/2021 |
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 |
|
|
On XX/XX/2021 I was sent a collection letter from American Coradius International LLC for {$170.00}. Upon research, they provided no proof of charge for the account. There was no consent to this collection at all. They did not provide me with any signature or proof this was on my account. According to the FCRA, The American Coradius International LLC has violated my rights as a consumer. I am requesting legal action to remove my collection account immediately.
|
| 09/27/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hi i was getting back to the debt i had to pay which is {$630.00} from my XXXX account. I would not be able to pay that right now because i am not working so i would have to hold off on that for a minute until im working and have a chance to pay it but i dont know why i have to pay it because people was sending me money i think last year so then they start requesting the money back like months ago then not to long ago they cancel the request from me
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter in the mail from XXXX and i called them and told them that i never open an account with them to purchase anything and they said that they will close the account and i told them someone else did this because i have XXXX and when someone try and use my name or address or email address and social security number i get an alert and i have a freeze on all my information so im not paying for something yall let happen to yall
|
| 08/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.
|
| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International LLC stating that I owe {$110.00} on {$29.00} that I owe to XXXX XXXX. The issue is that I don't and have not had a XXXX a balance owed. There are no delinquencies listed on my credit report. I never received a notification from XXXX that I owed the {$29.00} and only learned about once I received the letter from ACI claiming they were trying to collect a debt. This is 100 % fraud!
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt collection letter from American Coradius International, LLC for a debt that does not exist. The letter stated that they were collecting a debt on behalf of XXXX.
I know that I have no account in arrears with XXXX. I contacted XXXX customer service. They verified that not only do I not have debt in which they are attempting to collect, the account number provided by the debt collector does not exist in their system.
|
| 05/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received collections letter in the mail that XXXX XXXX had sent my account to collection and that my balance was {$360.00}. I contacted XXXX and they said my account was never sent to collections.
Letter sent by American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to American Coradius International LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with www.acibillpay.com
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a bill was created and delivered XX/XX/XXXX to my address of around {$1800.00} and I am unaware with this bill from XXXX XXXX however the company billing this was American Coradius International LLC. The company AC sent me a letter in the mail for this amount, and I am unaware of this bill. XXXX has not made any communication with me, and my credit card report looks okay. However when I called AC I did give them my SSN.
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I had received mail from XXXX stating I needed to pay this balance, I advised I never bought anything using this service for this large amount. XXXX refused to help, stating they saw no error, I advised it was not an error, weather identification theft, still no help and now they are trying to collect this through a collection agency called ACI, I also have tried getting help from them, and still no help, they keep referring to XXXX
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/23 I received a notification from, what I thought was XXXX, regarding a transaction on my account for a purchase that wasn't mine.
I contacted the fictious company, and they hacked my phone and was able to get into my XXXX account and XXXX account.
I reported this to my bank and they were able to stop the transactions for both.
XXXX dismissed the balance but XXXX wants me to pay the balance.
Please help.
Thank you.
|
| 01/08/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.
|
| 10/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hi, I have received a notice for debt collection and I have been trying to reach th debt collector and called many times during business hours and I get an automated response that all callers are busy and call is discounted after giving the option to go online for payment option.
I need to talk to someone at the debt collection agency to understand the debt and options to pay as I am not able to pay the amount that is listed.
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/2022 {$110.00} I answered a phone call from American Coradius International LLC. They asked how was I going to pay a debt on a XXXX account. I told them I wasn't paying anything because it can't be my debt because I never had a XXXX account. I also received a letter from American Coradius International LLC and returned it and checked not my debt. Also, in the returned letter I told them I have never had a XXXX account.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my XXXX account for renewal due in early XXXX. After discovering that XXXX paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my XXXX account, then I removed all my personal information from the site and never used it after that incident.
|
| 06/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
It has taken years but my credit report has been cleared. This is the third attempt this company has tried to collect a paid or old debt. XXXX attempts by mail which has been ignored and this morning XXXX/XXXX/2015 at XXXX XXXX by phone. I was kept on hold for XXXX minutes. Then a clerk tried to get me to verify information about myself after I told them not to contact me again. I want this company to leave me alone.
|
| 08/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to XXXX XXXX XXXX XXXX I have never used a XXXX account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
|
| 11/03/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling.
When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail on XX/XX/2022 made out to my maiden name ( I've been married for 11 years ). It was for a debt from XXXX for {$540.00}. This is not my debt, I do not owe anyone any money. The company is called American Coradius International LLC. If you look them up online you can see a long list of other people posting that this is a scam and that they were sent a fake debt bill about XXXX.
|
| 07/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
1. Received a letter from XXXX, XXXX stating that I owe a XXXX debt. Letter came on XX/XX/2022.
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ).
3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.
|
| 08/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i keep getting debt collection notifications from American Coradius International about debt that does not belong to me from " Bill Me Later '' service through " XXXXXXXX XXXX ''. No additional info is given, no date of service, no explanation as to what this is. Calls to them just go to an automated service that isn't helpful and quite frankly i'm not even sure if this entire thing is legitimate or not.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX allowed XXXX to charge me twice after the first transaction was rejected after I rented an XXXX where the hosts threatened me and I didn't stay a single night. XXXX then sold the balance to collections, ACI-US, and never removed it from my account. They then deleted my account and they are in possession of months of my music streaming royalties and are refusing to do anything to solve the problem
|
| 11/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I received a letter from ACI ( American Coradius International ) stating that they are contacting me about an account with XXXX that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting XXXX as well as this company, to no avail. I do not have a XXXX account and I do not owe them any money.
|
| 04/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
Servicemember |
|
Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.
|
| 12/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A letter was received from American coradius international llc on XX/XX/21 stating they were attempting to collect a debt that I owe to XXXX in the amount of {$65.00}.
I called XXXX and they verified that I have a XXXX balance and they have not referred my account to a debt collector. XXXX is unaware of why a company would be attempting to collect a debt in their name as there is no debt.
|
| 07/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Letter dated XX/XX/2020 states I have a debt to XXXX, XXXX sent to American Coradius International, LLC to collect. I logged into the site provided with the ACI reference number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent XXXX account. I should not be responsible for this.
|
| 03/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection letter from American Coradius International LLC ( ACI ) stating that I owe XXXX {$480.00}. As of today I have a XXXX balance in my XXXX account. I called ACI to discuss the letter but my call was dropped before I could speak with a representative. I called XXXX and informed them of the letter and XXXX is investigating after confirming I owe XXXX no money.
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a mailed letter from American Coradius International claiming I have a debt from XXXX of XXXX dollars as of XX/XX/23. I confirmed with XXXX that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.
|
| 11/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
American Coradius International LLC is demanding payment for a debt they allege I owed XXXX in the amount of {$630.00}. I never did any business with XXXX that could have resulted in any unpaid amount to them or American Coradius International LLC. American Coradius International LLC is using unfair and deceptive practices to collect debts that consumers do not owe.
|
| 08/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The caller said we owe on a XXXX account.
We don't have a XXXX account.
I just received a collection letter stating they will accept a lower amount than the debt listed.
The collection company this letter is from is American Coradius International LLC When talking with XXXX, they stated they can not look up anyone 's account to see if what I'm saying is true.
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received a bill from American Coradius International LLC stating I owe XXXX {$370.00} and I contacted XXXX XXXX and I don't owe them anything.. I spoke with a XXXX and he said they will send this to XXXX XXXX and they will do a full investigation on this and to disgard this statement.
The address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Toll FreeXXXX
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter via US Mail allegedly from American Coradius International LLC on XX/XX/22 stating I owe {$120.00} associated with a XXXX account. XXXX confirmed that my XXXX account is in good standing and they see no money owed nor do they have any record of turning any debt associated with my account over to ACI. XXXX stated this was a scam and or fraud.
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX is my XXXX XXXX XXXX son. American Coradius International LLC set a letter addressed to XXXX to our address claiming XXXX owes XXXX {$540.00}. XXXX is a minor in the state of Notth Carolina. His parents never authorized or allowed XXXX to make any payments with XXXX. Our banking institutions disallowed any attempt for payment by XXXX who is a minor.
|
| 12/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
American Coradius International is collecting an XXXX XXXX XXXX Credit card debt from me. I acknowledge the debt, I have been paying on the debt for the past 5 months. They refuse to send me any type of statement showing that I am paying this debt off. They also refuse to delete the charge off from my credit report when the balance is paid in full.
|
| 02/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Got a letter from American Coradius International LLC stating I owed XXXX XXXX {$100.00} and would take partial payment of XXXX. I called and spoke to XXXX and spoke to XXXX MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with XXXX.
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/, I received a notice dated XX/XX/XXXX on a debt in the amount of XXXX from American Coradius International, LLC representing XXXX XXXXl ( creditor ). I have never used XXXX, nor do I even know what this is for. I have never received anything from XXXX. I am a victim of identity theft and felt compelled to report this to the CFPB.
|
| 06/23/2015 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.
|
| 11/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was fraud made from XXXX that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and XXXX still says I have a balance and I tried to resolve this and explain that this was due to fraud. XXXX sent the debt to collections.
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter from American Coradius, LLC regarding an attempt to collect a debt from XXXX. I called the agency but they could not give me any information. I called XXXX and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.
|
| 04/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Received a letter from American Coradius International LLC ( XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ).
The letter stated that American Coradius International LLC is a debt collector and that I owed XXXX {$38.00}.
I have not responded to this letter as I have NEVER had a XXXX account or used XXXX in any manner.
|
| 02/12/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have received what I believe is a fraud - phishing letter in the US Mail, impersonating American Coradius International LLC.
The letter states that I owe XXXX {$8.00} and that they are a collection agency that I now ow {$45.00}.
I do have a XXXX account, but I do not owe any money and my account is in good standing.
XXXX
|
| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted XXXX concerning this issue and they refuse to talk to me directly nor rectify the situation.
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Morning my name is XXXX Received a letter from America Coradius International that i have a debt XXXX they already get XXXX from my old debt card, but still pending XXXX the problems is this is not my debt. i need a letter with the name and address of the original creditor. because they need to send me the money back.
|
| 11/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter that shows it is from American Coradius International LLC dated XX/XX/2021. It has my name ( with my maiden name, not my legal married name ) and my address. It has an account number listed and an amount due to XXXX, XXXX. I do not own the account listed and I do not owe XXXX any money. XXXX XXXX XXXX
|
| 05/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
The company American Coradius International LLC is charging me the following amount : {$1500.00} They said that is from XXXX. But I haven't use this account to make this kind of purchases. I don't understand. It's very confusing. Because they don't specify the reason for owing this amount money.
Date : XX/XX/2021 2021
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
American Coradius International sent me a letter for a XXXX debt of {$200.00}. I dont have a XXXX account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent.
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
American Coradius International LLC sent a letter addressed to me. It says I owed on a XXXX account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022.
This is NOT my XXXX account, nor did I have a purchase of this amount.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International LLC on XX/XX/2023 stating that I owe a debt to XXXX in the amount of {$110.00} I have never taken part in any transaction via XXXX for {$110.00}. Additionally, there is no proof of any transaction for that amount in my XXXX history. This is a fraudulent claim.
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Was contacted by American Coradius International LLC claiming I owed {$490.00} to XXXX XXXX. I have verified with XXXX I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.
|
| 12/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail from American Coradius International LLC. Attempting to collect a debt of {$670.00} to XXXXXXXX XXXX, for my XXXX account. I have contacted XXXX and XXXXXXXX XXXX. Both agree that I do not owe any such amount for any XXXX credit ( XXXX ) account because my application was declined.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Contacted me 4 times in one day after I explained I have given the case over to a lawyer that is handling the case. The XXXX is collecting a debt for XXXX as a last bill. I was not aware that this amount was owed as the store employee told me at the time there was nothing owed on the account.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to verify debt and said I disputed that debt. XXXX, I think his last name was XXXX he said. Stated they didnt have to verify the debt. I stated that under the ADA law I disputed and he said they were past that. I asked if they had sent me a letter and he states they had not.
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A letter was sent to an address that is NOT mine, I am only just hearing that I owe this debt and consider it completely invalid since they couldnt even bother to find my address. This debt is not possible for me to have considering that the account they were talking about is CLOSED.
|
| 09/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX.
XXXX XXXX XXXX XXXX
{$950.00} reference # : XXXX I do not use XXXX for anything, ever.
I have zero idea what this debt is in reference to.
Their mailing has no validation for the debt.
American Coradius International LLC is collector that sent the attached letter.
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.
|
| 12/16/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have not used XXXX for more than 10 years. Suddenly, I have a debt collector ( i.e., American Coradius International LLC. ) tell me I owned to XXXX some money. They referenced the account number that Ive never known. This is a scam.
Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter on XX/XX/2021 from American Coradius International LLC stating that I owed XXXX XXXX a debt of {$1200.00}. I have never made a purchase of this amount using XXXX and I need this to be disputed. I do not have a XXXX account and I have never made one before.
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter by mail from American Coradius International LLC stating that my XXXX balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
|
| 12/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/1922 I received a letter saying I owe XXXX {$170.00} and American Corsairs International LLC was trying to collect the debt. I contacted XXXX and they said I dont have any outstanding debts nor do I have an account number what is stated in the debt collector letter.
|
| 08/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International, LLC on XX/XX/22. The letter said they were a debt collector trying to collect on a debt owed to XXXX in the amount of {$2700.00}. I do not owe any money to XXXX. I called XXXX to verify and they said this was a scam.
|
| 11/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter in the mail from American Coradius International LLC.
It says I owe {$910.00} It says the creditor is XXXX.
It gave some long weird acct number This is definitely false.
The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX
|
| 05/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I RECIEVED A LETTER FROM A COMPANY CLAIMING TO BE AMERICAN CORADIUS OUT OF XXXX NY CLAIMING I OWE XXXX XXXX. MY XXXX WAS PART OF A DEBT CONSOLIDATION SEVERAL YEARS AGO AND IT WAS SETTLED. IS THIS COMPANY LEGIT? THEY ARE NOT GETTING ANY MONEY FROM ME. WHAT SHOULD I DO?
|
| 03/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX on XX/XX/2021 that said I owed a XXXX debt of {$3300.00}. I have never had a balance with XXXX or have owed them money. My credit report does not show this debt. The account number on the letter is XXXX. I do not owe this debt.
|
| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Its a scam telling me I owe money but Im a minor and its a telemarketer/phone scam ACI is the name of the company Phone number is XXXX If it helps I recently switched from XXXX -> XXXX XXXX XXXX did claim that I have spam call prevention but obviously it didnt work
|
| 08/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).
|
| 07/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.
|
| 02/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received mail from debt collector named American Coradius International LLC on a XXXX account in which I owe {$20.00} with additional debts that were applied. Scammers. Please advise the public in this company. I do not owe XXXX nor them any money.
Thanks
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX reported lack of payment to credit collection company American Coradius International. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with XXXX and ACI.
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
American Coradius International LLC sent me a physical letter saying I owe XXXXXXXX XXXX
When I called XXXX they said this is a fraud. They do not work with this company.
Can you please tell me if this is a legit credit collection agency?
Thank you
|
| 07/22/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.
|
| 06/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International , Inc. for an amount owing XX/XX/XXXX of {$60.00}. I contactedXX/XX/XXXX because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a collection notice from ACI regarding a debt for XXXX. I contacted ACI around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to XXXX with no response.
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello I am trying to contact you guys to make a dispute on this debt that is {$490.00} on the date XX/XX/22. I never made a purchase of anything to be in debt I currently just received this letter about going into collection I want to avoid that.
|
| 06/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Based on the information provided in this complaint, this collection agency can cease and desist contacting me. In fact, this agency initiated phone calls, prior to sending any type of verification/disclosure in the mail of an alleged debt.
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This is a robocall that doesnt give you an option to contact them. They call several times per day. This last one they said nothing at all when I answered. I do not owe any debt. I have a credit score close to XXXX. Im sick of their calls.
|
| 02/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This agency which has less than a stellar reputation on the internet is calling me from unavailable numbers. This scam related agency decides to initiate phones calls without any disclosure verification of any debt via the US mail.
|
| 03/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I receive calls from American Coradius International about 4 times a week. They never leave a message, just hang up. Ive attempted to call them, but have been unable to speak with someone. I have no outstanding or unpaid debts.
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections.
I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
it started XX/XX/2019 and they sent me a bill staying that i owe {$7500.00}. I sent multiple letters and called multiple times and they told me that they wont update my account due to me not giving my social security number.
|
| 04/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
American Coradius international sent me a letter about owing {$1100.00} to XXXX. My XXXX account has no negative balance, and its likely someone opened an account in my name. XXXX agreed that my account is not in arrears.
|
| 07/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.
|
| 02/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019 American coradius International refused to solve a debt collection dispute. I sent this company proof of me already paying XXXX {$52.00}. They are trying to collect a debit that does not exist.
|
| 07/28/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from American Coradius International claiming that I owed XXXX, XXXX {$960.00}. I called XXXX XXXX, who is the only part of XXXX I could owe money to and they said it is not from them.
|
| 02/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.
|
| 11/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
American Coradius called my father and left a voicemail saying she's with American Coradius and is attempting to collect a debt and gave my name. She also left a reference number to use when calling back.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My XXXX does not show any negative amount and i closely look at all my transaction almost everyday. I have received a letter from ACI that i owe them {$10000.00} coming from XXXX , XXXX as the Creditor.
|
| 09/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
At this moment I do not have a stable job and I owe money to XXXX, I would like to reach a payment agreement, I do not want to go to collection.
Creditor : XXXX Reference : XXXX Account balance : XXXX
|
| 07/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.
|
| 11/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Date : XX/XX/2023 {$220.00} ( Not my debt ) Called XXXX, XXXX ( XXXX ) and was notified. I do not have a XXXX account Receive the letter from debt collection by Amercan Coradius International LLC
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Letter from collection co. Stated I owed a debt from original creditor XXXX, contacted XXXX and I dont have nor never had an account with them therefor noting is owed, this is a fraudulent scam
|
| 09/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.
|
| 12/13/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
Im being charged from a collection agency American Coradius International XXXX for a XXXX charge that isnt even on my XXXX account. I tried to dispute and theyre requesting a police report.
|
| 08/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received notice of collection on my credit file. This company did not provide any validation that the debt belongs to me. This company is in violation of the FCRA reporting standards.
|
| 06/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a notice in the mail saying that I owe XXXX {$430.00} and I do not have a XXXX account that I owe money on or have never bought anything through XXXX to credit it is not my debt
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a letter on XX/XX/XXXX from American Coradius International LLC claiming I owe XXXX, XXXX {$9400.00}. This is not my account and XXXX shows a XXXX balance for my account.
|
| 05/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
they should not be collecting on this account because i filed bankruptcy and it was discharged and they have all the information already i dont know why they contacting me still
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill from American Coradius International LLC for XXXX to an address that I don't live at for a bill that I do not owe or know anything about. The bill is {$570.00}
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
American Coradius International LLC is requesting payment for a debt to XXXX. All purchases are immediately paid and my business has no debts with XXXX. This is clearly a scam.
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received a letter stating I owe to XXXX which doesn't make any sense since I have a credit and my account is attached to several forms of payment. This is obviously a scam.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received notification of collection. There was no information validating this debt is owed by me. This company is in violation of the FCRA reporting standards.
|
| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Got the attached letter in the mail today, called them they were no help.
Called XXXX and they know I do not owe that I pay in full monthly. Not my account.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received this collection notice in the US mail. I reviewed my XXXX account and contacted XXXX. To the best of my knowledge, this is a scam.
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Letter received from American Coradius International LLC claiming debt not owed. Verified not owed with original creditor ( XXXX , XXXX ).
|
| 01/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received couple of letters from American Coradius International LLC saying i owe money to XXXX XXXX. I haven't used XXXX since 2010.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
I recieved an email from American Coridus saying I owed money to XXXX. I did a debt consolidation and it was paid off over a year ago.
|
| 10/22/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
Contacted in XX/XX/2019 told company this isnt mine, and still receive bills got this account to pay half the account as a settlement
|
| 12/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX sent me a collection debt notice, it is fruad. I dont have credit with XXXX pay. And now I have a debt owe to XXXX. Its fruad.
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from American Coradius International saying I have a XXXX debt. I do not and never had a XXXX account.
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
American Coradius International LLC is trying to collect a XXXX debt of {$860.00}, which is a fee that I never incurred.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/2022 XXXX XXXXl debt XXXX XXXX XXXX debt XXXX This was added to my XXXX XXXX has sold this debt to many creditors
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill from this company to try to collect {$60.00} for XXXX which I did not use or have no knowledge of.
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter for debt collection in the amount of {$1100.00} for XXXX account. I dont have XXXX account.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dont know anything about this debt or we never put our selfs in this debt. We believe you got the wrong person
|
| 03/03/2020 |
Yes |
- 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 I believe open accounts in my name
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Tried calling them on XX/XX/2021.
They weren't nice and didn't want to help.
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They injured me by violating multiple federal laws pursuant to the FDCPA
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a mail saying I owed money to XXXX but I never used it.
|
| 02/07/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/31/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 01/26/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Servicemember |
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/02/2023 |
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 result of identity theft
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
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 |
|
|
|
| 06/14/2023 |
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 |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- 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 was result of identity theft
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
|
| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 12/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 05/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web Referral |
|
|
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card 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 is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
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 |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2021 |
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
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 12/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/22/2020 |
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 |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 03/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 11/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 11/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 05/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 01/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/16/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 08/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Fax |
|
|
|
| 08/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 10/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 02/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 12/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American, Servicemember |
|
|
| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 09/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
Older American |
|
|
| 04/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 02/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 08/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/06/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
Older American |
|
|
| 09/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Referral |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 07/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 03/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 02/23/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/20/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/21/2013 |
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 |
|
|
|
| 11/14/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/10/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/31/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 09/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/19/2013 |
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 |
Older American |
|
|
| 09/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 09/11/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/07/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/15/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 08/03/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|