American Profit Recovery, Inc., Marlborough, MA Branch CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30349
Web
In the process of reviewing my credit report I notice my score dropped XXXX points from XXXX down to a XXXX. Reason being a Collection Company by the name of AMERICAN PROFIT RECOVE who I have not had any type of communication with by Phone or form of letter placed a collection on my credit. The are violating the fair credit act under section.15 us code 1692g. Validation of debts. ( a ) Notice of debt, contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt. ( 2 ) the name of the creditor to whom the debt is owed. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. This company has not provided me a type of Original Signed contract. Hence a bill is not a signed contract.
01/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30519
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, GAXXXX AMERICAN PROFIT RECOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38305
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave- responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which, is backed by 15 USC 6801 which states It is the policy of the Congress that each- financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those- customers nonpublic personal information. '' American Profit Recovery is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following- circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have- my written consent. Any and all consent to XXXX, XXXX, XXXX, and ( American Profit Recovery ) whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise- that nondisclosure option. '' ( American Profit Recovery ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer- reporting agency may make any consumer report containing any of the following- items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which- is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency- if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed- under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining- reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting- services.
08/20/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 71106
Web Older American
When I was XXXX from XXXX XXXX XXXX on XX/XX/2022 I was sent by XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I was sent there for XXXX XXXX, I was at XXXX XXXX for 23 days, I was XXXX from XXXX XXXX and they called XXXX XXXX to take me back to XXXX XXXX XXXX, before I was XXXX to go to my own home that I own and have lived at for 51 years now. XXXX XXXX XXXX is my Medicare Advantage Plan Insurance. There was a lot that went on while I was at XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .After I left from there and went back to hospital, I told my son to go and get my clothes and belongings and my money and other articles, that I wasn't able to carry with me, because no one told me I was going back, they just showed up and took me without any explanations. I had some very nice expensive long gowns and robe that were in the dresser draws there, along with several tops and pants. I recently called XXXX to ask for a Print out of my Bill showing each day I was there and the day I was XXXX. I want to see what all I was being charged for and they will not let me have anything for myself. I didn't even know I owed anything at all until I called them on phone and ask for this and was denied I hadn't received any bills at all since I was XXXX. But while I was there they kept asking my children for my Banking Information on several occassions. I would not give them this info, because I did not believe I had to give them this since I already had XXXX XXXX XXXX XXXX. Now I found out through Medicaid, that XXXX XXXX XXXX has tried to file for Medicaid on my behalf with out my knowledge of knowing this. I have never filed for XXXX or have ever had it, XXXX XXXX XXXX was trying to file for XXXX XXXX XXXX for me there, and I was only there for 23 days, I was XXXX on XX/XX/2022 and went back to XXXX XXXX XXXX. I think I should have the right as a patient to get a copy of all of my charges showing all the days I was there, what all I was being charged for, everything that they said I got while I was there. I had a emergency in middle of night with my XXXX machine fell on floor and water was going everywhere and all in my mask and face, I kept calling for nurse almost a hour before they would come, they were abusive and mean, When I called and talked to the bookkeeper just last week about this, this is when I found out that she said I owed this debt, this is the first I even heard of it, I want them to send me a Statement of everything, and the bookkeeper was nasty acting and told me no and ask me if I was going to pay her this {$340.00}. that I owed to her, we had words over the phone and I ask her who g ave them the right to ask for my bankinh and all, and this XXXX XXXX XXXX that I didn't know about, She hung the phone up in my face, and said I could not have anything.
10/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/24/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33024
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX AMERICAN PROFIT RECOVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERICAN PROFIT RECOVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
09/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01040
Web
AMERICAN PROFIT RECOVERY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
04/29/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 357XX
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
11/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 189XX
Web
In XXXX of XXXX someone from XXXX XXXX visited our home in XXXX selling different types of lawn treatments. My husband XXXX and I decided to go with the mosquito and lawn care since we were very happy with the pricing. We agreed to XXXX dollars per month for 5 months of mosquito treatments totaling to XXXX ( XXXX XXXX ) and paid as a pre-payment by credit card which we gave the salesman and was written on our contract. We agreed to 8 lawn care treatments that would be disbursed over various times/months. Which was XXXX per treatments totaling to XXXX also to be paid as a pre-payment. In total we agreed to XXXX of treatments to be deducted from our credit card. Well, that did not happen. In XXXX I spoke a CSR who tried to help me with my account because I noticed what we were being billed was not what had agreed to. He then proceeded to explain what I was being billed and that it was XXXX for lawn and XXXX for mosquito. I was incredibly upset. He said I would need to speak to a manager to get it resolved. I ended up speaking to someone named XXXX XXXX on XX/XX/XXXX who was very friendly at the time and advised me through email he had adjusted my pricing to the XXXX mosquito and XXXX lawn. He did not adjust anything to my account. I then emailed him on 2 other occasions and didnt hear anything. I continued to pay on my account until I reached the XXXX that I agreed to. However, I did end up over paying by XXXX. According to XXXX XXXX I still own them XXXX, but I do not. I continued to get harassing calls from their collections dept. I requested to speak with a manager who can help me, they advised me that a manager was not available and will contact me in XXXX hours. No one has ever contacted me. I would call in and wait on hold and be sent to XXXX, unless I requested a new service prompt. Which I did and they still would not connect me to a manager. I have an excellent credit score, never late paying my bills. I only what is fair and that is to have this debt removed from my account. I trust that this service will see the truth. Thank you.
04/05/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63031
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
07/21/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 483XX
Web
Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts. The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.
08/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 105XX
Web
I used to own a house and unfortunately I had to rent. I ca n't live in there because of my job requirements ( I had to move to get a job when I got laid off ). The house is rented and I manage the property. The house living room developed a water leak issue due to a broken gutter. Additionally I needed mold inspection and ESTIMATES to be delivered to ensure a safe environment for my tenants. My tenants contacted a company called XXXX XXXX XXXX that did the inspection ( which I paid for ) but never gave me an estimate on the work required. I called them multiple times but did not receive any paperwork or verbal estimate. My tenants also claimed that they did not have an estimate. At some point they came in to do the work ( I kept calling ) despite the gutter not being fixed. Note - the gutter was NOT fixed and the mold could not be effectively fixed ( water still leaking ). XXXX XXXX eventually left without doing the work. Finally after the gutter was fixed, I asked them to come in and they told me that I have to pay the full amount because they had already come in and attempted to do the work. Note - the work was never done. Now they have submitted a claim to the collections agency which will hurt my credit and financial status. My tenants have left and are not claiming any responsibility. I was never sent any estimates or contacted about the work. In short I never approved any work, nor did I receive estimates, nor was the work completed. Instead I am stuck with a payment for a service I did not incur and benefit from.
01/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02474
Web
I received mail from XXXX XXXX XXXX XXXX in late XX/XX/XXXX that I owed an amount of {$370.00} for regular XXXX visit for my son. I called them and they said that charges pertained to services performed on XX/XX/XXXX and XX/XX/XXXX that was denied by my insurance, with the reason from insurance company stating that my son had another primary insurance. I contacted the insurance ( XXXX XXXX ) after I received the mail in late XX/XX/XXXXand they explained that the claim is too old for them to process anymore. My complain pertains to the fact that XXXX XXXX XXXX XXXX did not make any contact with me till XXXX, and a timely follow-up with the insurance would have clarified and resulted in claim being paid. I tried calling XXXX XXXX many times and left 3 voicemails that were never returned. I followed up with my insurance on XX/XX/XXXX to get more detail and they explained that my son had another insurance during that time period per their system, which was not correct since the other insurance verified to me that my son was not covered by them during the concerned time frame. Now XXXX XXXX has sent it to debt collection and debt collector refuses to consider the fact I did not receive timely follow-up from XXXX XXXX and it is negligence on part of XXXX XXXX that resulted in claim not being paid and also that this could not be resolved prior to going to a debt collector. It appears that XXXX XXXX never had the intention to resolve this in good faith since they knew it was their fault. Do I have any recourse?
03/28/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AR
  • 721XX
Web Servicemember
I am a veteran, I was given a phone number to call and schedule me an appointment for an increase on my claim/XXXX. I had requested an appointment and then received my appointments and I also had to se a XXXX during a facetime interview. There was nothing signed. I reached and made this appointments my self. I was later notified and harassed by this person name XXXX who told me to XXXX him payments XXXX name ( $ XXXX ). Payment XXXX XXXX he received XXXX. He was able to see my medical files and tell me about my claims without my knowledge, breaking every chain of HIPPA. He has sent information to the collection company named American profit Recovery Inc. for an amount of XXXX. This is not only fraudulent ; harassments ; this man nor company did nothing. He was able to contact me and tell me I received a 100 % on my XXXX thorough VA. That alone is a HIPPA Violation. I had to put extra security on my accounts because he was able to see them. How? He did not help me any any way. I called and got this set up myself. So, im not understanding the debt collection. I called and scheduled my appointments and was out sourced for them. I owe this an or fraudulent company nothing. I have informed also made the VA hospital aware of this scam, I also let them know about an employee XXXX XXXX and XXXX XXXX " Department Of Veteran Affairs LR AR who is also in on this scam with him getting wealth off XXXX veterans.
01/04/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30135
Web
I had a lawn care service with XXXX XXXX, during the course of the servicing period my lawn was not properly maintain, I was paying for weeds. I called the company several times complaining about the weeds, they did try to correct the issue but the weed problem got a little better, but I was over all not satisfied with the services. I called in and spoke with 3 representatives the first one told me that she would take care of the issue and cancel my services. Then I had another representative call me back and tell me that the first representative was not able to make that call, she also went ahead and said that I was moving which was not true and I never stated that on the call. I did not know if they were getting me mixed up with another client, so I asked to speak with a manager and she did call me back and said that she is sorry for what happened but I would still be responsible for the service that I was told was cancelled. She offered to split the fee with me, but I felt as a customer why would I have to pay for a service that I cancelled and it was not working. I paid my bill the entire time I use there services I also have neighbors complaining of there services as well. I was disappointed with the supervisor as she said well if you don't want to Pay I will take further actions. I was a client that always paid and asked for my services to be cancelled.
10/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in 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 the 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 mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
04/05/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48322
Web Servicemember
XX/XX/XXXX : Received a bill from XXXX XXXX stating they were the new billing company for XXXX XXXX ( copy attached ). I called the company to find the original date of service. They were unable to provide that. I have 2 insurances, Medicare ( primary ) and XXXX ( secondary ). I am a XXXX XXXX XXXX and has XXXX coverage. I received an EOB from Medicare. This bill represents the balance after Medicare paid. They never billed XXXX. I continuously asked for over a year what did XXXX pay. They could not tell me. I asked for the Explanation of Benefits from XXXX. They never provided it. They agreed that it should be done and they would do it. They never did On XX/XX/XXXX, I received a collection letter from American Profit Recovery, Inc.for {$210.00}. I submitted a letter by certified mail requesting the following items : - An Explanation of Benefits from XXXX indicating what they paid- The original date of service- That they will validate the amount that I owe and verify that they ( American Profit Recovery ) can collect on this bill Instead of sending me the information, American Profit Recovery sent me a Patient Account History that did not provide me with any information ( copy attached ).
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 802XX
Web
I recently was offered a XXXXXXXX XXXX XXXX with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX XXXX, with the original credit name, dates and amounts. The compliance department for HR for XXXX XXXX requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! Those companies are as follows. 1. XXXX XXXX Financial- {$2300.00}, showing as a current charge off. 2. XXXX XXXX- {$6700.00}, showing as a current charge off. 3. American Profit/RecoveryXXXX XXXX XXXX- {$3400.00}, showing as a current collection item. I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 660XX
Web Servicemember
Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
07/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30052
Web
American profit recovery, attempted to collect a debt that was not mine. I received a credit notification that a change on my account was detected and it showed a new collection account. I was never informed of any attempts to collect this debt prior to placing it on my credit file. They stayed they had sent communications to an Old address that I have not resides at in several years. This needs to be removed permanently from my credit file. It is not my account and I have no contract with the original owner of this debt. I am in the middle of a home loan process and this could have significant negative effects on my approval process and interest rate. This was placed on my credit file in direct conflict with the fair credit reporting act and fair debt collection practices act. This kind of illegal collection activity hurts Americans and places them in financial jeopardy. I have no documents to provide because I have not had an account with the original creditor. I spoke with a manager On XX/XX/2020 named XXXX XXXX who states this would be removed from my credit file. I was the consumer finance protection bureau to ensure this is done.
04/15/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07040
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Story on XX/XX/2022 where the pipe broke in the basement located on XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX, owner XXXX XXXX called XXXX XXXX XXXX XXXX, which XXXX XXXX called back and I describe the situation asking for quote, and I did not asked XXXX as emergency for this job. I also called other similar company, yet XXXX decided himself to do immediate work and XXXX told me will submit the invoice to my insurance company without giving me Estimate/Quote. Today, I received the XXXX page XXXX, stated EMERGENCY DRYING SERVICES PER ESTIMATE, the invoice description is absolutely INCORRECT, as I stated above, XXXX failed to provide me the quote and XXXX called himself this project as EMERGENCY also false. Since XXXX XXXX threaten to sent to collection agent, which is XXXX did I agreed to pay {$4000.00} XXXX XXXX XXXX, is VOIDED I will filed criminal against XXXX XXXX and XXXX XXXX power dry by attempted SCAM against XXXX XXXX failed to provide the estimate and called XXXX himself as project XXXX EMERGENCY for this work
08/04/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33169
Web
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
09/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • XXXXX
Web
I ran out of room to write this on the screen prior. I used XXXX XXXX XXXX XXXX XXXX to spray my lawn and paid them up front for the entire year. They left an invoice each time showing what they did and what it costs but which I always pitched because I paid the whole year in advance. They showed up the following year and sprayed my lawn again and left a bill. I called right away and told them I didn't want my lawn sprayed by them again because I wasn't happy with the way it looked after being treated of a year. I explained to them that I didn't sign into any agreement with them to do my yard again and have no standing contract with them. The salesperson I spoke with screamed at me on the phone so I hung up and wrote a letter to XXXX XXXX XXXX XXXX and this was the last I heard until receiving a debt collection notice for {$47.00} today XX/XX/25. I don't understand how someone can attempt to collect something I didn't ask for or have a signed agreement ahead of time as a promise to pay so I was very surprised by the letter and I certainly don't feel I owe this company anything.
04/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30132
Web
I contracted with XXXX XXXX lawn care for the summer of XXXX. This company constantly call stating that the only way one service can work I had to purchase another service in which I did. One day I was home and noticed that the weed guy wasnt spraying anything and that was probably which I still had weeds. The contract was finished, I paid my balance and then two month later received a collection notification from XXXX XXXX XXXX. I have been sending proof of payment to this company for XXXX months now and every month they ignore me and send me out a new collection notice last one dated XX/XX/1021. I have called this company, emailed my proof, called again and still nothing. I will XX/XX/XXXX if this is illegally reported to my credit report and I paid the balance. It seems that once I didnt want to continue receiving service from XXXX lawn care they sent my account to collections when I had XXXX balance. This collection agency know they should be verifying the accuracy of an account before aggressively pursuing customers. This is fraud that I want reported
11/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48227
Web
Upon checking my credit report on XXXX XXXX I noticed a listing from AMERICAN PROFIT RECOVERY that I allegedly have an open account with them that was currently in collections. On XXXX XXXX I mailed a debt validation letter to AMERICAN PROFIT RECOVERY in pursuant to 15 USC 1692g for validation of the debt, to see if they have the correct person and any evidence that owe them. On XXXX XXXX I received a response letter from AMERICAN PROFIT RECOVERY stating they their company does not have sufficient information to provide me ; meaning no proof that I owe them. This has been exhausting and time consuming between work, having to type up letters, wasting precious fuel traveling to XXXX to print the letters, purchase unnecessary stamps and envelopes and all for a alleged debt to a company cant even support their claim of owing them ... AMERICAN PROFIT RECOVERY never provided me evidence that I owe them anything and thats because I dont. I attached an EXHIBIT A -showing their several violations and the Cease and Desist letter I sent them on XXXX.
10/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46201
Web Servicemember
I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.
04/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 10461
Web
On XX/XX/XXXX at XXXX A collection notice was just placed on my credit report. I immediatley call the agency American Profit Recovery speak to representative XXXX XXXX He informs me that 5 collection notices were sent regular mail to XXXX XXXX XXXX XXXX I asked what the zip code was he did not know, then says '' it's the XXXX so it must be XXXX '' The notices were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.He claims none of the notices were returned.i quesioned him on the zip code ... ..It did not correspond with the mailing address.Judging from his response I doubt the letters were sent.I did confirm my address he claimed the XXXX XXXX address was provided by the creditor XXXX XXXX XXXX. The manager XXXX XXXX intercedes admits there was a mailing error. Promised to remove the Collection from my credit report. I asked to have it removed immediatley because it will affect my credit ... I'm shopping for a mortgage. He says it will removed the next time they report. did not give me a dtae
09/08/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28278
Web
The company was rather aggressive when they called to collect on the debt. I told them I would pay nothing to someone who called me but that I would pay based on mailed communication after verifying with original creditor that the debt is valid. Turned out it was. When I called in to make the payment the debt collector had added interest to the debt. The letter was dated XX/XX/2023 for {$130.00} but then I received a second invoice dated 5 days later, XX/XX/2023 with an additional interest charge of {$18.00}. Is it even legal for a debt collector to add charge interest? Is it legal to apply an interest charge of something like XXXX XXXX to the original debt? I went ahead and made the payment as I am trying to keep my credit as clean as possible as we are in the process of buying our first home. But this does not seem ethical and the practice can break the bank for someone. The collection agency is America Profit Recovery, phone XXXX. The invoice indicates XXXX XXXX XXXX number XXXX.
06/02/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20002
Web
XXXX XXXX XXXX XXXX XXXX american profit recovery {$490.00} XXXX XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
05/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 082XX
Web
Today XX/XX/18 @ XXXX, I received a phone call ( cold call ) from a XXXX XXXX from American Profit Recovery. As he was looking for information for me to provide to him, I cut him off and started asking him questions that he could not answer, Including exactly what debt he was calling in reference to. Again, he could not answer. I first told him to stop all calls and send me any information by mail. I also stated that by making that statement to him, by law, all calls must stop. I also stated that all my accounts are in good order, I have excellent credit and have never had a debt collection in my life. Finally. I told him that I shall be reporting their scam to the appropriate Government Agencies. Again. This literally happened 90 minutes ago. Can't get much fresher than that. I thank you for your time and consideration. I HOPE YOU ARE ABLE TO SHUT THEM DOWN SO NO-ONE ELSE GETS SCAMMED.
11/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46217
Web
these accounts below listed the following company as the creditor American Profit Recovery Inc. : Lawn Pride XXXX This company American Profit Recovery is NOT the creditor, I never contracted with them, and I sent certified letter to them and also ALL the Credit consumer agencies to immediately correct my report and remove this Fraudulent account. If they are communicating with me in an attempt to collect a debt, they are also subject to the federal Fair Debt Collection Practices Act ( FDCPA ). This law sets specific rules and guidelines for how debt collectors can contact and communicate with consumers. If a debt collector violates any of the provisions of the FDCPA, I may have the right to sue in federal court and recover damages against them. They furnished this false account on my reports and this has caused my credit worthiness to be affected!
02/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48227
Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
09/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • OH
  • 45417
Web
XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX AMERICAN PROFIT RECOVE XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
11/20/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30024
Web
Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : Domestic Limited Liability Company Business Status : Admin. Dissolved Business Purpose : NONE Principal Office Address : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX Date of Formation / Registration Date : XX/XX/XXXX State of Formation : Georgia Last Annual Registration Year : NONE Hi There, Im filing complaint toward company listed above, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX # XXXX. As they were sending a false statement demanding payment on XX/XX/XXXX, which I request charge details thru email on XX/XX/XXXX, never heard back from them but keep calling me for payment. Now they have sent me to collection for money that i never owed. Please help. before that they were threatening me for legal action that is illegal. Thanks
03/11/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 467XX
Web
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. I have not ever received serves from this company. When I called American Profit Recovery that sent the letter, I asked what the date, animal and who authorized care with a signature was. I was told they would supply no information to me and I owed the amount of {$100.00}. APR told me the matter would be dealt with by XXXX, not them since I dispute the debt. I would also like to know how my information, address, was found by this company since I have not ever used their services. I was a prior employee of XXXX XXXX XXXX, who owns XXXX, and I am concerned that they have gotten my new address somehow and are attempting to bully me into paying a bill that is not mine because I left their company nearly 3 years ago.
08/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ME
  • 040XX
Web Servicemember
We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection.
08/22/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 361XX
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
12/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CO
  • 80909
Web
I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening
12/26/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94506
Web
We have received a letter from American Profit Recovery ( a collection agency ) on XX/XX/XXXX, dated XX/XX/XXXX, to collect {$600.00} on behalf of XXXX XXXX. The payment is requested against an XXXX treatment for my daughter that was completed in XX/XX/XXXX. All the bills were cleared and closed in XX/XX/XXXX. However, without any written or verbal communications from the XXXX XXXX administration, we received a direct letter from the collection agency after over two years to pay an amount that we were not aware of or agreed to. In addition, XXXX XXXX is not interested in discussing the matter nor has agreed to provide any valid reason why the collection agency has contacted us.
06/23/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89122
Web
AMERICAN PROFIT RECOVERY XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
07/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19348
Web
I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down.
10/18/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30016
Web
XXXX XXXX XXXX voluntarily stopped treating my lawn but continued to bill me for months of services that they never rendered and they changed the terms of the verbal contract with the sales agent. They also, reported it to American Profit Recovery ( Due process was never provided by this company. They never contacted me about this debt ) and they reported this debt to collections on my credit report. I have contacted XXXX XXXX XXXX and reported to them that their technician voluntarily stopped treating my lawn and asked that they review their trip report to verify this but they refused and the manager refused to speak with me.
02/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43147
Web
On XXXX XXXX, 2019, AMERICAN PROFIT RECOVERY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, American Profit Recovery has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
02/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29681
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
08/21/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46360
Web Older American
We had an arson fire to our large garage and hired a company for board up service. The company we hired was XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, In. XXXX. One young man showed and put up s few pieces of cheap flake board on one garage door and a small window that the arsonist broke for access. This took an estimate of one hour. My mistake was not asking the charge for this. No contract. They billed me {$550.00} I was taken aback, needless to say. I think this is grossly excessive. My complaint went nowhere. They have sent this to a collection agency.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30024
Web
In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Creditors are Global lending services as of XX/XX/2023. XXXX as of XX/XX/2023. American profit recovery as of XX/XX/2023
11/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 44102
Web
IN ACCORDANCE WITH THE FAIR DEBT COLLECTION PRACTICE ACT. I DISPUTED THE DEBT AND COLLECTION ALSO REQUEST DEBT VALIDATION. I SEEK COPY OF NAME AND ADDRESS OF THE ORIGINAL CREDITOR AND / OR SUPPORTING EVIDENCE OF ALLEGE DEBT. AMERICAN PROFIT RECOVERY THE COMPANY FAIL AND /OR REFUSE TO RESPOND TO CONSUMERS REQUEST IN VIOLATION OF SECTION 611 OF THE FCRA 15 U.S.C. I AM REQUESTING THAT THE ITEM BE REMOVE FROM MY CREDIT TO CORRECT THE FALSE INFORMATION.
07/07/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75204
Web
American Profit Recovery said my credit score would be damaged forever if I refused to pay this collection account debt to them. The service for these charges was never authorized by myself and were disputed directly with the original creditor. Ive never provided my social security number to the original creditor or American Profit Recovery, but they somehow obtained it and misused it to report a collection account debt for unauthorized charges.
02/11/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IN
  • 47715
Web
This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.
06/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web Older American
American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Representing XXXX XXXX XXXX Has a charge off that states Highest Balance as {$220.00} But Shows Status Other as {$290.00} Total. I've ask what is the {$290.00} And I wanted a copy of the Original Bill. As of this date XX/XX/22 I've not been satisfied in either case. XXXX Does Not have the Original Bill!! Can I please get some satisfaction In this matter??
10/22/2018 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web
I learned of this debt by a credit reporting which resulted in my credit score plunging 20 points. American Profit Recovery is breaking the law by : a ) trying to extort payments by placing these alleged debts on my credit report without prior notification. b ) utilizing an address that has been invalid in excess of 4 years to send " notifications '', realizing that those " notifications '' were not accurate so that I could dispute it.
11/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 015XX
Web
I have received a derogatory mark on my credit report for {$220.00} on XX/XX/2022. It claims the account was opened 4 months ago which I never have opened any accounts in general around that time. It says my highest balance was {$400.00} which makes XXXX sense to me as I only have one credit card and two loans, and they do not include any information of exact dates when the account was opened, dates of any payment history or anything.
03/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78254
Web Servicemember
American Profit Recovery has placed a collection on all three of my credit reports. I have never done business with them or any business associated with them.APR claim I owe them {$170.00} but have not sent any proof of a contract I signed with them or anyone else. They have used illegal tactics and threats trying to get me to pay this {$170.00}. They have affected my credit by adding this false information to my credit reports.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17602
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
01/11/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • XXXXX
Web Servicemember
Canceled lawn care services in XX/XX/2021 and received cancellation confirmed number. They continued to send technicians for 2 additional treatments after the cancellation date. Informed technician that service was canceled but he continued to spray the weeds. I can provide a copy of the emails with cancellation # dated XX/XX/2021. I do not plan to pay for any service performed after that date.
05/12/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • AR
  • 72223
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32258
Web
I was the victim of identity theft. Therefore, there is a person with a different name than me who has an AMERICAN PROFIT RECOVE collection account of {$280.00} from 2017 showing up on my credit report. I have filed fraud with credit bureaus and original creditor and they have acknowledged the evidence of fraud but have yet to delete the collection.
11/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38133
Web Servicemember
This company is a collection agency called American Profit Recovery stating that I owe them {$53.00}, this company added this collection to my all 3 credit bureaus and I would like for them to have them removed immediately. Tried contacting them and they where unable to tell me where this debt is from
06/18/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30062
Web Older American
American Profit Recovery , Inc. is falsely harassing me and trying to collect {$72.00} + Interest despite, I have clearly explained why I do not owe any money to their client by a letter on XX/XX/21. Can you please help me stop this harassment as they do not seem to understand.
04/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30238
Web
I noticed a derogatory statement on my XXXX account from American profit recovery for {$45.00} dollars I do not have a contract with them and I do not wish to do business with them and would like for them to remove this negative account immediately upon my request.
11/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92880
Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.
12/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • XXXXX
Web Servicemember
I received notice from American Profit Recovery , Inc regarding a debt of {$78.00} owed to XXXX XXXX. My XXXX XXXX account # XXXX has a XXXX balance. Please cease and desist further collection efforts and reporting of a collection to the credit bureaus.
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 427XX
Web Servicemember
I have been a victim of identity theft since 2015. I have sent in multiple police reports. I have sent in my FTC paperwork. I have sent in legal documents and American profit Recovery is still trying to collect a debt that is a case of identity theft
10/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46077
Web
I tried to talk to company and explain its not my debt in XXXX or XXXX when it appears on my XXXX XXXX report. Even XXXX XXXX ( XXXX XXXX and XXXX ) disputed at that time. I am not Sure how it appear on XXXX after I sign up for it month ago.
04/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19335
Web
I received a notice on XX/XX/2022 that I owe {$260.00} from American Profit Recovery , Inc ( debt collector ) on behalf of XXXX XXXX ( creditor ). This was already paid as shown from the creditor 's own bookkeeping system ( see attached ).
11/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30092
Web Servicemember
Received credit alert that a paid debt was submitted to the credit bureaus as not paid. Called the company and explained debt WAS paid. Employees are angry and rude and have nothing else better to do than harass people.
08/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60610
Web
I have repeatedly reached out to this collection company and have gotten no new information about the original debt. I am confident that this is an error and have no way to remove this item from my credit report.
11/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30052
Web
I, the natural person IS NO RESPONSIBLE FOR THIS DEBT. I keep receiving mail saying i owe this debt. all information is included in the affidavit of true pertaining to where this company went wrong.
10/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08085
Web
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
03/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02721
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
03/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45247
Web
I disputed this account and Im getting no results from the creditors other than it meets FCRA requirements which isnt accurate. I have no ownership for this account
02/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75115
Web
American Profit Recovery flagged my account as collection on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount XXXX THIS NOT MY ACCOUNT.
09/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30043
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32926
Web
Idk know what this is for i never had my lawn done with these ppl at all and sent emails and called advised this and still on my cbr
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 194XX
Web Servicemember
I explained that information on my credit report indicates a medical bill that I never had or medical service I never received.
09/10/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77084
Web
This company is furnishing information on my report without my consent 15 USC 1681b. No consent is identity theft.
12/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33462
Web
The amount owed for the daycare collection is higher than the account balance so that needs to be corrected.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 605XX
Web
SENT A VALIDATION LETTER TO THE COMANY, NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.
01/07/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95823
Web
I have no known binding accounts and or financial contracts with this company
10/08/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30135
Web
This is a collection on my credit report that Im not aware of.
01/29/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30253
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30062
Web
12/08/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30252
Web
11/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30273
Phone
11/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08872
Web
11/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07062
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
10/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78634
Phone Older American
09/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77384
Web
09/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 52748
Phone Servicemember
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71295
Web
08/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33579
Web
08/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40409
Web
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33705
Web
06/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19129
Web
06/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 52722
Web
06/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60091
Web Servicemember
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IN
  • 46239
Web
04/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85029
Web
04/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32825
Web
03/27/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • DC
  • 20016
Web
02/06/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30350
Web
01/16/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • LA
  • 71256
Web
01/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48334
Web
01/13/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30047
Web
01/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32825
Web
01/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92663
Web
12/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • RI
  • 02818
Web
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70363
Web
11/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60563
Web
09/30/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48111
Web
08/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • VA
  • 22901
Web
08/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30016
Web
07/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08865
Web
07/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49201
Web
07/05/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 93535
Phone
07/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19131
Web
05/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48346
Web
05/05/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60453
Phone
02/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30180
Web
01/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98178
Web
12/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30127
Web
10/31/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63120
Web
10/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48237
Web Servicemember
08/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70560
Web
08/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29710
Web
07/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78520
Web
06/18/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • IL
  • 60585
Web
06/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30134
Web
04/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02125
Web
04/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45458
Web
04/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28303
Web
03/16/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VT
  • 05060
Phone Older American
03/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89084
Fax
01/12/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30039
Web
11/27/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48333
Web Servicemember
11/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48021
Web
11/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28215
Web
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45458
Web
09/28/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32837
Web
09/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93313
Web
09/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40069
Web
08/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55057
Web
08/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90403
Web
08/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60016
Web
07/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85323
Web
06/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35824
Web
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
04/28/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33596
Fax
04/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19973
Web
04/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30288
Web Servicemember
04/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30188
Web Servicemember
09/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08332
Web
08/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08701
Web
07/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 65202
Postal mail
05/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63137
Postal mail
05/15/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 20112
Web
03/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19425
Web
02/27/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27103
Web
11/14/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72210
Web
11/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60074
Web
05/26/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30083
Web
04/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46075
Web
10/17/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28371
Web
09/14/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75225
Web Older American
03/23/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02453
Web
03/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84105
Phone Older American
12/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37421
Web
10/30/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43016
Web
05/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06073
Web
02/20/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77073
Web
02/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02136
Web
12/31/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77049
Web
12/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30180
Phone Older American
12/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48093
Web Servicemember
11/14/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45177
Phone
10/08/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • IA
  • 50263
Web
10/07/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55106
Web
09/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • UT
  • 84315
Web
09/04/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • OK
  • 74133
Web
06/23/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • IN
  • 46544
Web
06/23/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • CO
  • 80920
Web
06/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48141
Web
06/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11510
Web
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35763
Web
04/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • MD
  • 21042
Web
03/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 01462
Referral
02/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 93291
Web Older American
12/22/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CT
  • 06239
Web
11/25/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20876
Phone