| 01/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX on my Consumer Reports.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by APEX ASSET MANAGEMENT LLC will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of the XXXX 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.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
XXXX5 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures.
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The XXXX also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The XXXX Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The XXXX Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you APEX ASSET MANAGEMENT LLC are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter XXXX.
The above paragraph is taken directly from the XXXX XXXXXXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
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| 01/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX on my Consumer Reports.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by APEX ASSET MANAGEMENT LLC will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state 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.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures.
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you APEX ASSET MANAGEMENT LLC are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
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| 03/28/2016 |
No |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have gotten a notice from APEX collection agency for medical bills paid long ago.
Attached to this complaint are the following : 1 ) XXXX XXXX ' XXXX XXXX billing statement ; 2 ) XXXX XXXX ' Receipt for payment for APEX bill ; 3 ) APEX collection agency 's statement ; 4 ) Health insurer 's ( XXXX 's ) statement showing payments Please note that the receipt XXXX XXXX mailed to me is undated and I ask the CFPB to find out why XXXX XXXX provides undated receipts as a matter of routine practice and policy.
My experience of several years is that XXXX XXXX ' billing department is an unmitigated mess. In past years, I called my doctor 's office numerous times to give it the correct billing address for XXXX in this area. Many medical providers here have not heard of XXXX but more have heard of XXXX which seems to be the name that XXXX operates under in this region. After providing XXXX telephone numbers and claims address to my doctor 's office repeatedly, over the phone and in person, I heard nothing for some time. When I later continued to get statements from an out of state billing operation for XXXX XXXX, I also talked to it numerous times. In short, it resisted taking the information I tried to give it for XXXX and it was clear that it had been sending its bills to the wrong address for XXXX. When it continued to bill me for the same bills which had been paid, I gave up and insisted that it contact my doctor 's office which assured me that it had the correct address and billing procedure for Multiplan/GEHA. At this point, the XXXX XXXX XXXX department refused to call my doctor 's office, the very same office that the billing department was sending out bills for. When I asked the administrative person in my doctor 's office about this and asked her to try to contact XXXX ' billing center, she insisted that they were separate operations and I got the impression that the doctor 's office also would not contact the XXXX XXXX billing office. It left me with the impression that even the doctor 's office of the doctor I saw wanted nothing to do with XXXX XXXX ' billing operations.
It appears that XXXX XXXX ' billing operations are wildly incompetent and for a long time have simply pushed paper through their offices with little care to their accuracy or truth, so that they can get phony statements to collection agencies as soon as possible. It appears that someone has calculated that there is no " cost-benefit '' to running a legitimate billing operation at XXXX XXXX under the supervision of professional medical auditors and that even doctors in the XXXX XXXX practice know this and want to distance themselves from the billing operations. I venture to say that if XXXX, XXXX, XXXX, military and other federal government health insurance programs investigated the billing practices of XXXX XXXX XXXX XXXX, it might find that it has been swindled out of a considerable amount of money, through falsified billing codes and other activities of routinely falsified financial statements. ( See more about this below. ) Some recent encounters with XXXX XXXX billing operations raises more doubts. Last year when I saw XXXX XXXX again after some time, a clerical assistant in her office wanted to see my driver 's license. I refused to give it to her. She claimed that she wanted to see a photo ID but then when I offered my passport, she did not want it but wanted the driver 's license. Next I offered a photo ID of a university which, although it was expired, had a large photo of me on it. She declined this as well. She ended up not using any of the photo or other IDs I showed her but she kept asking for a driver 's license. I did not provide one to her for several reasons. Among others, it seemed pretty clear to me at that point th
|
| 03/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Ph. XXXX Apex Asset Management LLC.
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date XX/XX/20 Re : Acct # XXXX To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped.
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is.
If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Sincerely, XXXX XXXX
|
| 02/19/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely, XXXX XXXX XXXX
|
| 07/22/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Today on XX/XX/XXXX I received a letter in the mail from Apex Management for services rendered on XX/XX/XXXX from XXXX XXXX and XXXX in the amount of {$130.00}. Stating that they have received my {$30.00} payment. The {$30.00} that was sent to them was for a bill that I had received on XX/XX/XXXX regarding XXXX XXXX of XXXX XXXX, with acct # XXXX However the {$30.00} was applied to XXXX XXXX and and XXXX Acct # XXXX and should have been applied to XXXX. I also wrote the acct # of the bill sent by Apex on the check. I Called the office the office to try and explain, I was hung up on twice. After being hung up I tried again and asked to see if there was corporate office or a supervisor to help resolve this issue, I was told no and again hung up on. on XX/XX/XXXX I now received a new bill from Apex applied my XXXX to another bill that I don't even have proof that is even my bill. I have never received any bills from XXXX XXXX and XXXX # XXXX. I asked in writing for documents of proof for this bill with my signature via mail.I believe that XXXX applied my money to another account that does not belong to me and if it is truly my bill it is out of the statue of limitations and they applied it to the other account to try and show a date after the statue of limitation has run out. On XX/XX/XXXX I was again billed for XXXX the bill that I've already paid on XX/XX/XXXX under acct # XXXX this time they sent the bill same client reference # XXXX same amount but with a different acct # this acct number isXXXX. I believe that I am a victim of unfair practice by Apex Management .I am also Diaputing the debt for XXXX XXXX and XXXX. This is eight year debt and I have no proof that this is my debt.
|
| 02/09/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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DEBT COLLECTOR : APEX ASSET MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX AMOUNT : {$290.00} XX/XX/XXXX I FILED A DISPUTE FOR THIS DEBT. I EXPLAINED TO THE DEBT COLLECTOR THAT THIS WAS NOT MY ACCOUNT AND I DID NOT OWE THIS DEBT. I SENT A LETTER ALERTING THE DEBT COLLECTOR THAT TO PRODUCE DOCUMENTATION THAT STATES THIS DEBT IS MY DEBT. I CALLED TO FIND OUT THE STATUS OF THIS ACCOUNT SINCE I FAXED THE DEBT COLLECTOR PROOF THAT I DID NOT OWE THIS ACCOUNT. AFTER SPEAKING TO THE DEBT COLLECTOR I WAS INFORMED THAT THE DEBT WAS FOR XXXX XXXX XXXX. I HAD A XXXX XXXX ACCOUNT FROM XX/XX/XXXX-XX/XX/XXXX. I SENT IN PROOF THAT I HAD MOVED IN XX/XX/XXXX TO A LOCATION AN HOUR AWAY FROM THAT SERVICE ADDRESS, WITH A COPY OF MY LEASE FOR MY CURRENT ADDRESS DATED XX/XX/XXXX, AND PROOF OF NEW CABLE SERVICE THAT WAS INSTALLED AT MY NEW RESIDENCE ON XX/XX/XXXX. I CALLED XXXX XXXX XXXX TO NOTIFY THEM THAT I WAS MOVING ON XX/XX/XXXX AND ASKED THEM TO STOP SERVICE AND THEY SAID THEY WOULD AND THAT THEY WILL PICK UP THEIR EQUIPMENT. I DID NOT HEAR FROM THIS CABLE COMPANY AGAIN. I PROVIDED DOCUMENTATION TO THIS DEBT COLLECTOR THAT PROVED I LIVED AT MY CURRENT RESIDENT SINCE XX/XX/XXXX AND HAD XXXX XXXX XXXX XXXX. THE DEBT COLLECTOR STATED THAT XXXX XXXX XXXX HAS MY ACCOUNT WITH THEM CLOSED ON XX/XX/XXXX. I INFORMED THE DEBT COLLECTOR I DID NOT USE XXXX XXXX XXXX SERVICE AFTER XX/XX/XXXX AND THAT THE AMOUNT THEY ARE ATTEMPTING TO COLLECT IS NOT MINE. XXXX XXXX XXXX COULD NOT FURNISH PROOF THAT I WAS LIVING AND USING THEIR SERVICES AFTER XX/XX/XXXX AND THE DEBT COLLECTOR SAID THEY WILL CONTINUE TO ATTEMPT TO COLLECT THIS DEBT, EVEN THOUGH I SENT VALID PROOF THAT I COULD NOT HAVE BEEN USING XXXX XXXX XXXX WITH DATES. THIS IS UNFAIR TO ME BECAUSE I SQUARED OFF MY ACCOUNT WITH XXXX XXXX XXXX SINCE XX/XX/XXXX. THEY SHOULD NOT HAVE CONTINUE SERVICE AT MY PREVIOUS ADDRESS AND THEN HOLD ME ACCOUNTABLE FOR THIS BALANCE. THIS IS RUINING MY CREDIT AND IS SIMPLY JUST UNFAIR.
|
| 05/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office 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 file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
|
| 07/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company # 1 : XXXX XXXX XXXX XXXX XXXX
Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score.
Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report.
Company # XXXX : Apex Asset Management Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : Apex Asset Management. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score.
Company # 4 : XXXX XXXX Hard InquiryXXXX XX/XX/XXXX. XXXX XXXX. This is an error.
|
| 05/30/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Apex Asset Management LLC sent me a collection letter dated after my account was fully paid and closed. I had paid directly to the hospital rather than to Apex, but called Apex after to notify them that the debt had been fully paid, and they confirmed over the phone that my account was closed on XX/XX/2023. On XX/XX/2023 I received a letter dated XX/XX/2023, attempting to collect the already paid debt.
The amount of {$94.00} was paid in full on XX/XX/2023, and Apex was informed of this and said they closed the account the same day. The letter sent to me was dated for XX/XX/2023, and the wording of the letter was alarming. The very first line of communication under the letter head was, " Why are you avoiding these debts? '' written in all capitalized letters. Printed beneath this statement was the following : " Your failure to pay these accounts in full may show that you do not intend to pay them voluntarily. Are there circumstances of which we are not aware?
We need to discuss your resolutions options. We have several options available to assist you in paying your debt. If there are mitigating circumstances, please list them below : '' Beneath this paragraph was a blank line to fill in, with further blank lines indicating to fill in information regarding my workplace location and phone number, and home phone number.
The implication that I was unwilling to pay and avoiding this debt was mortifying and concerning, and the attached pay slip at the bottom of the letter was a new addition to communications I had received from them until now. I am positive that my debt has been taken care of with the hospital, but the wording of this letter left me feeling shamed and afraid of what they would further do to collect this debt, which I no longer owe.
|
| 11/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I had a preventative care visit at one of my physicians under XXXX which is fully covered by my insurance provider. In XX/XX/XXXX I was notified that I owed {$50.00} to my physician 's office for the visit. I contacted XXXX XXXX XXXX XXXX and advised it should have been covered by my insurance carrier XXXX and I should not be charged. I was advised by XXXX to disregard the bill that it was an error from the Dr. 's office that they encoded the visit wrong. Approximately a 1-2 months later I receive another bill for {$50.00}. I contacted XXXX again and was advised to disregard the bill and that there was a note on my account. In XX/XX/XXXX/XX/XX/XXXX I received a notice from a collection agency Apex stating I owed {$50.00} to virtua and my account is now in collection. I reached back out to XXXX who advised to disregard the bill and that it was sent to the collection agency in error. In XXXX XXXX resubmitted the claim to my insurance carrier and advised that everything was resolved. On XX/XX/XXXX I received a collection notice for the same issue now for {$110.00}. I contacted XXXX and was advised XXXX denied the claim due to it being 180 days after the visit and sent a notice to XXXX that they must send an letter of explanation in order for the claim to be paid. I have reached out to XXXX, who advised I don't have a balance or an account in Collections and has asked I forward the collection notice. XXXX provided a fax number which did not work. I have been calling on a weekly basis since XX/XX/XXXX and can not reach anyone, have left several messages and do not receive a call back. The issue is still outstanding and at risk for damaging my credit.
|
| 02/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please tell me who I can contact to pursue XXXX XXXX health group legally. I have been going to this office for years and I have always had my wellness visit covered at XXXX XXXX. My last visit I did not see my normal doctor I saw his nurse practitioner who instead of billing my wellness visit as such she decided to bill it as excessive bleeding which I did not have excessive bleeding at all. I just went in for my normal ob/gyn visit. The nurse practitioner asked me why I still had my monthly cycle at my age and I told her that I guess it is not my time for it to stop. She suggested an ultrasound and I asked why when My doctor already ran all pertinent test XXXX years ago and everything was okay she said it was just to be safe. She never told me it would not be covered and no one from their office ever told me it would not be covered or billed as my wellness visit. Months go by and I get something on my credit from an agency trying to collect on a medical bill that I was not aware of I contacted The billing dept at XXXX XXXX XXXX and they apologized and told me it was an error. They even sent me emails showing this was to be removed from the agency and reviled as my wellness visit. XXXX XXXX XXXX handles their billing and refused to adhere to the doctors request and the billing teams request to remove this from my credit report and bill it correctly. They are in violation and I have the emails to prove it.
|
| 08/30/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Some of my medical bills from XXXX XXXX XXXX from XXXX were sent to a debt collection agency - Apex Asset Management. I never received the bills because XXXX XXXX sent them to a non-existent address. I only recently became aware that there was debt outstanding. I have paid all outstanding debt to Apex, but they are still billing me for paid debt. On XX/XX/XXXX, I received a summary of unpaid charges from Apex Asset Management in the amount of {$340.00}. There were three charges : Reference Number XXXX {$300.00} Reference Number XXXX {$19.00} Reference Number XXXX {$20.00} The {$300.00} was previously paid. I sent the company a check for {$40.00} to cover payment for two of the items and I sent them proof of payment for the {$300.00}, including a confirmation number for the payment.
I called them on XX/XX/XXXX and was informed that the {$40.00} was applied to the XXXX and that I still had an outstanding balance of {$260.00}. I resent proof of payment for the {$300.00}. Today ( XX/XX/XXXX ), I received a new bill from Apex indicating that I still owed {$40.00}. That is incorrect. They are fraudulently billing me for items that were already paid. They also indicated that I entered into an agreement to pay them {$40.00}, which is false and fraudulent. I never agreed to pay them any additional money because my bill was paid in full. Yet, they are still billing me for the {$40.00} that I already paid.
|
| 08/09/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX incorrectly terminated coverage but has since reinstated coverage. During this period they denied payment on several claims. These bills were turned over to APEX ASSET MANAGEMENT XXXX. APEX calls repeatedly and hangs up. This deceptive practice is so that you will call them back and they can demand personal information from you to " verify the account. '' They are extremely abusive when you call back and half the time they hang up on you again.
Two employees XXXX and XXXX were overtly abusive and rude and informed me that if I did n't verify my personal information with them then the debt would be " referred to legal. '' I attempted to explain the issue with the health insurance and that the claims are being resubmitted by the company for payment of the medical bills.
The continued to act in an aggressive and abusive manner and continued to inform me the matters would be " referred to legal '' unless I provided my address, date of birth and social security number.
Despite being told to stop calling, instituting a 10 day bar per the Debt Collection Practices Act, they continue to call multiple times a day and hang up hoping to call back. This harassment must stop. I am very sick and I do have health insurance. They would not listen to the explanation that the health insurance made a mistake.
They do n't care and continue to threaten " referral to legal. ''
|
| 03/13/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We had an appointment for my daughter to visit XXXX XXXX on XX/XX/18 to get the XXXX vaccine, and to check on an XXXX XXXX ( because you cant get the vaccine if the XXXX is still there ). My wife called the office the day before the appointment to see if they had the vaccine in stock. She was told that they did not, so she went ahead and requested to cancel the appointment. Then we received this {$25.00} " no show '' fee. We called the number on the statement and they said they cant help us and we need ro speak to the provider. We called the provider and they said that we need to speak to XXXX at the XXXX county office. We called her and left a message. She did not respond or call back. So we called the billing back and told them that we cant get through ( I did try again ). They opened a case and I was told they would get back to me. They did not get back. Meanwhile I receive a " FINAL NOTICE '' before it goes to collections. I called them back for an update. They did not have one and said they would call me back. THEY DID NOT CALL ME BACK AND NOW IT IS IN COLLECTIONS. I tried contacting the collection agency ( APEX ASSET COLLECTION ) by email ( listed on their website ) and I HAVE GOTTEN NO RESPONSE. If a company has a charge they should be obligated to at least TALK TO THE CUSTOMER!!!
|
| 04/20/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
( I a lso did not receive a notice of right to dispute. ) Apex called my cell phone asking for me. They wished for me to verify certain personal information before talking to me, which I declined to give since they did not tell me their name or company information. They said this was about " an account '' I opened ( without any details, no company, no amount ), and did I open said account? I asked what account, and they said they could not tell me until I gave them my information. I declined again, saying I was not going to give personal information to someone over the phone not knowing who they were. They said they were Apex. I said that I have no idea who that is, and declined again to give out information. They said " Then I ca n't help you '', and hung up on me. I had no idea this was a legitimate business until something showed up on my credit report. I never received anything in the mail from them. They also recently called my parents ' home where I no longer live. In this day and age, personal information needs to be protected. It is absurd that Apex calls asking for information without even stating who their company is, the caller 's name, or even what account they are referencing. Any shady person can do these things, why would a legitimate company?
|
| 09/18/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/XXXX, I was a patient at XXXX XXXX, in XXXX Two bills were established, one for the medical facility and one for the emergency room doctor. The bill for the emergency room doctor was {$400.00}. Apex asset management llc of XXXX PA has been calling me and telling me, in writing, that I owe this bill. I explained multiple times of my two insurances and that both insurances would have covered the bill IN FULL. They continued to bill me. I have since learned that Apex asset management submitted the bill to the primary insurance using an INCORRECTLY spelled last name. I called the insurance company and they stated to me they never, ever received a bill for the doctor or a bill from Apex ; yet Apex told me they submitted the bill several times. This bill should have been paid when first submitted to insurances, but the last name has been spelled incorrectly ; although the last name on my patient chart is CORRECT. Apex told me on XX/XX/XXXX they were submitting the bill, AGAIN. I have never heard back from this debt company and need to have them be accountable and clear this matter up. There is no communication or follow up to know that they have finally corrected the billing name and submitted the bill to the insurances.
|
| 11/16/2022 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On or about early XXXX, Apex contacted me with regard to a debt alleged to have been owed. Exercising my rights under FDCPA I requested VALIDATION in a letter issued to them on or about XX/XX/2022. In that letter I also explicitly told them to cease any and all contact with me other than via mail. On or about early XXXX, they responded with information that a ) did not satisfy validation demand, and b ) made clear that personal medical records had been transferred to their possession a violation of HIPAA. I responded noting the violations, potential for fines of {$50000.00} per incident under HIPAA and demanded they cease contact.
While the above was transpiring I continued to receive - and still to date receive - phone calls from one of their representatives, a " XXXX XXXX '', no doubt an alias, requesting contact.
I explicitly in writing via traceable USPS delivery instructed them to cease contact with me via phone. In the XXXX letter, I explicitly told them to cease contact entirely. If they contact me again about this alleged debt that they did not remotely validate under the law, I will be filing suit and seeking damages for each and every phone call made in violation of my rights under FDCPA
|
| 04/20/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.
|
| 04/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company is a debt collection agency. They sent a request for repayment of XXXX bills, XXXX invoices originally received from health care facility, in XXXX separate request, presumably because I have to dispute each one separately. The online form to dispute debt provides no confirmation of submitting disputes. Debt was paid in full-confirmed with original creditor debt was paid in full. Was told by original creditor they had contact Apex. Provided proof to company that debt was paid in full, but got no confirmation of receipt. They refused to remove or resolve debt until they received communications from company, but when I asked them to contact the company ( since I had already spoke to the company on this issue and was informed they would call Apex ) they refused to do so. Company is in violation of Fair Debt Collection Practices act as they are providing false and misleading representations see 807. False or misleading representations. They threatened to report the debt to credit bureaus even though debt was already paid. Company is predatory and provides non-responsive answers to questions.
|
| 11/17/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX and apex asset management XXXX PA XXXX XXXX XXXX XXXX PA service XX/XX/19 Balance of bill in the amount of {$110.00} was paid in full and deducted from my checking account on XX/XX/19 I was in the hospital XX/XX/19 staring receiving bills in XXXX original amount was over {$280.00}.
I called XXXX XXXX XXXX explained I had many bills from co pays and coinsurance and was paying all of them something each month, explained i would make payments which i did starting in XXXX we are talking two months here. I made payments resulting in the {$110.00} balance in XXXX .even though I was making consistent payments and contacted their office they still sent my balance of XXXX to Apex Collections, ( not fast enough for them!!! ) NOTE I paid the balance to XXXX of XXXX prior to receiving any notice from Apex. I contacted APEX-XX/XX/XXXX they say neglected to update the records and now i need to send proof. To me this situation is unjust and undo and unnecessary harassment. XXXX received payment and should rectify this matter!
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine.
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it.
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.
|
| 02/02/2020 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Now all they did was send me a copy of what I sent them and a letter for me to give my personal information nothing else. With that being said my dispute letter was direct, concise and to the point with account number and reasoning. They are stalling and not following law of the Fair credit reporting act and can be found in violation in fact. You had 30 to 45 days and you sending me a copy of what I sent you is not going to cut it. You have nothing to prove this account is mine.
|
| 08/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company Apex Asset Management continuously sends mail to my address stating that I went to the hospital on XX/XX/20. I did not go to the hospital on that day. I did not receive anything from a hospital or place stating I went there. It must be identity theft and fraudulent activity against my name. I have health insurance and I would have used my insurance if I was there on that day. This information was sold to this debt collection agency in hopes I pay them for something that is not mine. I tried speaking to representatives but they keep telling me its my account and States that it was me who was there. I was not there on that day. I would like them to stop harassing me through mail, and not proceed any further without valid information. The hospital sold them my personal information and account which is not mine.
|
| 10/02/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!
|
| 06/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a {$15.00} collection notice from this company in regards to client XXXX XXXX XXXX XXXX, when in fact, I do not owe this amount. Received services from this provider in XX/XX/XXXX for an annual XXXX, per the office staff at the front desk, I do not pay a co payment for an annual exam, the medical office billed the visit as a regular medical visit. Called medical office twice during the month of XX/XX/XXXX, was supposed to receive a call back from XXXX, this never happened, nor was any billing correction made. In, XX/XX/XXXX contacted the service number for the billing department at ( XXXX ) XXXX, was informed that someone in " accounting would look into the matter ''. One month later, no one replied back to me and rather automatically sent this small balance bill to Apex Asset Management.
|
| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Apex Asset management LLC XXXX XXXX XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls.
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay?????
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor.
I appreciate you help in this matter.
Thank you
|
| 02/19/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Apex Asset management LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language.
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
APEX ASSET MANAGEMENT, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF {$1300.00} AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, 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 NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, APEX ASSET MANAGEMENT HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
|
| 02/09/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.
|
| 11/09/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 08/17/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX.
I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX.
I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.
|
| 07/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
THERE IS A XXXX XXXX XXXX WHO IS REPRESENTING THE ORIGINAL CREDITOR XXXX XXXX THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS XXXX XXXX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN APEX ASSET MANAGEMENT ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS.
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Axia billing department stated they sent me statements three different times-once in XXXX, where I paid the amount due ( {$17.00} ), but they state I still had a balance ( {$66.00} ) after the coinsurance paid their part. They state they tried to contact me, via the United States postal service with a standard letter, in XXXX, XXXX and XXXX. I never received any statements, therefore it wasnt paid. Instead of contacting me through another form of communication ( for example, telephone or email ), they sent me to collections. I called them and paid the bill on the spot.
|
| 01/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They left a voicemail not addressing me or anyone in particular didnt mention anything other than to call them back, after googling the name Apex Asset Management I realized they were a debt collection service, I tried to contact them to avoid any negative outcomes on my credit history, I was put on hold then I could clearly hear people speaking in the background and then I was hung up on, most of the reviews seem to be from upset customers, im unaware of any debt I hadnt paid, I cant gain any further information when they refuse to speak over the phone
|
| 08/22/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Apex XXXX out of XXXX Pa continues too send me the same debt collection bill with the same amount every time. Ive already paid this and not knowing Ive paid it more than once already. As soon as I got on the phone with someone and explained the situation I was hung up on. Attempted to call back 8 more times and they would pick up and hang up. After all of this happened I XXXX Apex XXXX and the reviews Ive read were exactly what I am dealing with! They are a fraud and I need to get to the bottom of this as soon as possible.
|
| 09/26/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
: Apex Asset Management Inc, XXXX XXXX, XXXX PA XXXX Placed derogatory information on all three credit bureaus for {$130.00}. I sent them a letter to validate debt in XXXX 2016. They sent a copy of a bill and I have no recollection of same. Additionally, they are required to be licensed by the State of Florida to pursue credit collections here. They are not licensed. On XXXX XXXX, 2016 I sent them a letter asking for a copy of their license. To date I have no response and their information remains on my credit report.
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.
If they are saying it is verified then where's my proof? What methods are you using to verify?
|
| 03/09/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This sloppy collection agency retained by XXXX is attempting to collect a petty debt in the amount of {$5.00}. The attached scan copy clearly shows that this was PAID by XXXX in the amount of {$5.00} on XX/XX/XXXX, further, it will show an EOB for a office visit on XX/XX/XXXX, the claim was underpaid by XXXX for {$5.00}. The claim was reprocessed on XX/XX/XXXX for the additional {$5.00}. I notified this medical group NUMEROUS times, always, being reassured that it would be taken care of!!!!
|
| 09/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Continuing to receive letters and have derogatory information posted by Apex Asset Management. The debt is not mine. Additionally, they are not licensed to practice credit collection in Florida. I have complained to the attorney general here in Florida as well. They are trying to collect {$130.00}. I sent them an initial letter asking for validation of the debt. Subsequently, I sent them a letter informing them of non licensure and asked for immediate removal of the item.
|
| 06/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Apex Asset Management is trying to collect a debt that is not mine. I have attempted numerous attempts to get them to remove this from my credit report. Also, per written correspondence from The State of New Jersey ( see attached ), they are not even bonded, as per law. They should be fined and jail time, per the statues. They need to removed this from my credit report within 30 days, or this is going to the Attorney General and I will sue. Thank you.
|
| 09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on APEX ASSET. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Apex Asset Management sent an improper balance bill to the consumer after the claim was referred to them by XXXX XXXX. XXXX XXXX agree prior to the service as to the allowable charge and then balance billed the consumer. Apex initiated collection actions for the balance and proceeded to report the balance as unpaid, without responding as required under the FDCPA, during the period when credit reporting was barred by the FDCPA.
|
| 04/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent Apex Asset Management two requests regarding debt that they are saying I owe to them in the amount of {$140.00}. I've asked for evidence, bearing my signatures showing that I owe Apex Asset Management this debt. I have no binding contractual obligation to pay Apex Asset Management any debt at all. I am trying to get this cleared up and OFF my credit report before filing a small claims court action against them.
|
| 11/08/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX was paid in full by Medicare after they received corrected claim. Billing dept reimbursed me {$290.00} and told Apex to remove the {$100.00} in XX/XX/2022. They keep billing and calling me for it even after I sent proof from Dr and billing dept that I have a XXXX XXXX I want them to stop calling me because I was already was told by an APEX rep that it was removed in XXXX, yet they persist with harassment.
|
| 05/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX continues to report that I owe them money on my credit report and they are reporting incorrect information. I owe them nor anyone else the money they are claiming I owe them. They responded to you without correcting any information. This is the last time I am writing a complaint before I take them to Small Claims Court and sue them for reporting incorrect information on my credit report.
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The collection agency APEX Asset Management had over 14 different delinquent accounts on my credit report that are negatively affecting me which Ive disputed due to fraudulent charges and accounts I had no knowledge of. XXXX removed all these but XXXX hasnt. Ive also never received anything from the collection agency and was never informed about being able to dispute these fraudulent activities
|
| 02/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill from Apex Asset Management LLC dated XX/XX/XXXX for a service from XXXX XXXX at XXXX Hospital on XX/XX/XXXX. I immediately sent them a copy of my insurance company 's XXXX showing that my balance owed is {$0.00} and that this is an illegal attempt to balance bill.
I received another bill from Apex dated XX/XX/XXXX stating that I had not had any communication with them.
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, I was in the process of getting financed for a loan when this account appeared on my credit from Apex Asset Management - Account XXXX XXXX. I immediately reached out to them and to date- I have not received a response back however the account was verified as being my debt according to XXXX CREDIT Bureau . I never was informed of the debt before it was placed on my credit
|
| 06/17/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I 've never received any letters or phone calls concerning this supposed debt. This is my former place of employment, and at the time of my resignation, funds were withheld from my paycheck to cover this amount. This was submitted to collections in absolute error. What I did owe at the time was already debited against my final paycheck from XXXX XXXX.
|
| 01/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
APEX ASSET MANAGEMENT : XXXX OREGON XXXX XXXX XXXX, XXXX, PA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm trying to repair my credit and came across this dept that is owed which is unbeknown to me. {$660.00} is says I owe but for what? Please send me a copy of original bill, validation of purchase of debt, copy that provides proof to collect in my state and my signature as per the fair credit act.
|
| 11/10/2016 |
No |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Apex Asset Management has never contacted me as required by law before placing this item on my credit report. I have never heard from them and was not given the chance to dispute the charge. I was only made aware of their collection attempts after pulling my credit report.
|
| 05/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am a XXXX XXXX and I have health insurance at no time did I receive service that was covered under my health insurances and at no time I did not go with out insurance. I have only receive annually check ups no procedures
|
| 10/03/2017 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.
|
| 09/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Medicare paid for XXXX % and Medicaid paid the other XXXX % and they are billing my for XXXX and I was told it would be removed since I faxed them proof. They are commiting medicare fraud
|
| 07/07/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.
|
| 03/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I notified Apex Asset that I did not owe them this alleged debt. They instead reported alleged debt to all three credit bureaus, hurting my score.
|
| 08/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I only took 4 month of service that I already paid and they are charging me XXXX $ for a service that I didnt receive
|
| 03/31/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American, Servicemember |
|
this debt was discharged from a bankruptcy and I would like apex to remove this item from my credit report
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The account has been paid in full.
And is not being updated. It shows as a collection item.
|
| 07/16/2021 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
TRYING TO COLLECT DEBT THAT IS NOT OWED WE DO NOT HAVE A CONTRACT OR AGREEMENT.
|
| 09/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have medical insurance and Im being held responsible when I shouldnt be
|
| 08/15/2023 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received seven calls at work today within approximately one hour.
|
| 03/21/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt is not verified. I never used medical transportation
|
| 06/27/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my bill.
|
| 06/27/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not mine.
|
| 06/27/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not mine.
|
| 01/24/2024 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/02/2024 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web Referral |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/11/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web Referral |
|
|
|
| 02/06/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/31/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2022 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/01/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web Referral |
|
|
|
| 10/26/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/07/2022 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/16/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 04/07/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/07/2021 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/14/2020 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/11/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 07/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/13/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/20/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/07/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/26/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/05/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/26/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 09/12/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/30/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/18/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
Older American |
|
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 04/01/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/06/2016 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/30/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 07/15/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/09/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/13/2015 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 03/25/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/23/2015 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/20/2015 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/13/2015 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/09/2015 |
No |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 02/04/2015 |
No |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/01/2014 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/28/2014 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/18/2014 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/16/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/26/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/01/2013 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/18/2013 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|