| 11/27/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX NATIONWIDE RECOVERY SERVICES I demand a full accounting of services offered or performed by your client XXXX XXXX XXXX to validate this debt. I was never invoiced or given an 180-day notice to resolve to invoice will be placed with a debt collector as mandated by CFPB and all pertinent credit bureaus XX/XX/2015.
At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently.
Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies.
The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years.
The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the XXXX XXXX Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country.
The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things.
This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XXXX XXXX XXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid.
Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted.
Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems.
Company Mishandled Consumer Credit Reporting Disputes, Prevented Consumers From Exercising Debt Collection Rights WASHINGTON, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) announced an enforcement action against a medical debt collection company for mishandling consumer credit reporting disputes and preventing consumers from exercising important debt collection rights. These practices potentially affected the credit scores of thousands of individuals and caused consumers distress and confusion. The CFPB is ordering the company to provide over {$5.00} XXXX in relief to harmed consumers, correct its business practices, and pay a {$500000.00} penalty.
XXXX XXXX XXXX mistreated consumers and prevented them from exercising critical debt collection rights, said CFPB Director XXXX XXXX. These violations are particularly egregious given the challenges many consumers already face who are attempting to navigate the medical debt maze. Today we are putting a stop to these illegal practices and getting consumers the relief they deserve.
XXXX XXXX XXXX, XXXX, which does business as XXXX XXXX XXXX, is a debt collection agency that primarily collects medical debt on behalf of hospitals, doctors, and other healthcare providers. The company is an indirect subsidiary of XXXX XXXX XXXX, XXXX, which provides billing and other services to more than 600 hospitals nationwide. XXXX XXXX XXXX, a publicly traded XXXX services company based in XXXX, Texas, is the parent company of XXXX XXXX XXXX.
Companies that collect medical debt and supply this information to credit reporting agencies have a significant impact on consumers credit scores. More than XXXX XXXX Americans have medical debt adversely affecting their credit reports, and more than half of all overdue debt on consumer credit reports is from medical debt. A recent CFPB report found that the complex processes by which medical bills are incurred, collected by a wide range of debt collectors, and reported to credit reporting agencies can create unique challenges for consumers. The Bureau also found that medical debt can overly penalize consumer credit scores.
As part of its debt collection business, XXXX XXXX XXXX regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions.
XXXX XXXX XXXX typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that XXXX XXXX XXXX failed to send debt validation notices to thousands of consumers.
The CFPB also found that the company mishandled consumer credit reporting disputes by failing to investigate and respond to consumers within the 30-day timeframe required under the law. Because the company furnishes information related to past-due medical debt, the information consumers seek to dispute or validate has the potential to lower credit scores.
The CFPB order charges the company with violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The violations specifically include : Mishandling consumer credit reporting disputes : XXXX XXXX XXXX failed to respond to more than 13,000 consumer credit report disputes within the 30-day timeframe required by law. On average, the company took more than 90 days to respond to consumers disputes and, in some cases, took over a year. Consumers spent time and money attempting to follow up on unresolved disputes and experienced distress and confusion due to the delays. The CFPB found that the company had no policies or procedures in place to investigate these consumer credit report disputes. Instead, the company treated consumer credit report disputes in the same way as other consumer complaints and had no deadline for responding.
Preventing consumers from exercising important debt collection rights : XXXX XXXX XXXX failed to send debt validation notices to more than 10,000 consumers. During this time, the company continued to collect over {$2.00} XXXX from consumers who did not receive the notices. Failing to provide notices denies consumers the opportunity to assess whether the debt is valid and whether the amount or source is correct. These notices can be an especially important consumer safeguard with regard to medical debt, where issues like insurance reimbursements and medical billing processes are commonly fraught with complexity, confusion, and delay, and can lead to consumers being unsure of how much to pay or even whom to pay.
Together, these violations had the potential to harm thousands of consumers and in some cases, negatively impact their credit scores. This can hinder consumers ability to obtain credit or increase the rates they may pay for credit. In some cases, the company reported inaccurate information to the credit reporting agencies and then failed to provide a timely response to consumer disputes about the errors. Some consumers may also have been able to avoid negative information on their credit reports if they had known about their right to assess and dispute the debt in question.
Enforcement Action To address these violations, the CFPB order requires XXXX XXXX XXXX to take the following actions : Provide over {$5.00} XXXX in relief to harmed consumers : XXXX XXXX XXXX must identify all affected consumers and provide monetary relief. Consumers who were never sent a debt validation notice and who made payments to the company will receive a full refund and have remaining account balances forgiven. The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company. The company must also pay damages ranging from $ XXXX {$1000.00} to each consumer who did not receive a timely response to his or her credit report dispute. The amount that each consumer receives will correspond to the duration of the companys delay in responding to the consumers credit report dispute. The company must submit a written plan to the CFPB for approval detailing how the company will identify affected consumers and provide relief.
Correct errors on credit reports : XXXX XXXX XXXX must identify all consumer accounts affected by its illegal business practices and fix any inaccuracies. The company must also update the account information it has furnished to the credit reporting companies and notify all affected consumers of this update, to the extent it has not already done so.
End illegal credit reporting and debt collection practices : The company must cease its illegal business practices and develop new policies to comply with federal consumer credit reporting and debt collection laws.
Establish consumer safeguards : XXXX XXXX XXXX must change how it does business and establish safeguards to ensure it has the staffing, facilities, systems, and information necessary to timely and completely respond to consumer credit report disputes. It must also establish a strong oversight program to identify any systemic inaccuracies to ensure that it informs consumers of their right to validate and dispute inaccurate debts in collection.
Pay a civil monetary penalty of {$500000.00} : XXXX XXXX XXXX will pay a {$500000.00} fine for the illegal actions.
The CFPB will continue to enforce federal laws to ensure accuracy in credit reporting and debt collection. Consumers should check their credit report for inaccuracies at least once a year. Consumers can order a free credit report once every 12 months from XXXX.
XXXX XXXX
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| 03/19/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this could adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal from All 3 Credit Bureaus XXXX, XXXX and XXXX : Nationwide Recovery for ( 3 ) debts you claim I owe of {$80.00}, {$80.00} and {$80.00} but is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the 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 that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and 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 my legal counsel for 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 withing 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.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : XXXX. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 12/02/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently discovered negative information furnished about me to one or more consumer reporting agencies ( CRAs ) by a company unknown to me regarding an unverified account and alleged debt. My inability to verify and validate the truth and accuracy of the information furnished by the furnisher prompted me to look through my books and records for more information. A meaningful review and investigation of my records indicate that I am devoid of a bonafide and meaningful relationship with the furnisher of the negative information, as I was unable to locate a record of any previous transactions, outstanding contractual obligation/s, and/or agreement/s between myself and the furnisher and/or its alleged assignor ( if any ). A further review and investigation of my records indicate that I am WITHOUT record or receipt of any communications ( written or other ) from the furnisher, and/or its alleged assignor ( if any ) regarding the intent to furnish negative information about me to the CRAs prior to such action being taken against me. An investigative search via the internet has led me to believe that this is a common practice among collection agencies engaged in collection activity. In fact, it is so common that theres a name for this practice. Its called parking the debt. Although I was unable to find any written law directly prohibiting this type of conduct and behavior, I was pleased to discover that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote a report about it ( see attached ), and on XX/XX/XXXX, the United States District Court for the XXXX XXXX of Florida granted the Federal Trade Commission an order for entry of a consent decree prohibiting a certain debt collector ( XXXX XXXX XXXX XXXX ) from- " Parking '' or placing debt on a consumer 's credit report when it has failed to notify the consumer in writing about the negative report ( Case XXXX ). It is my contention that the collection practices employed by the furnisher listed in this complaint bear a striking resemblance to the practices prohibited by the FTC in the consent decree issued against XXXX XXXX XXXX XXXX. In my opinion, these practices are not only unfair and deceptive, but constitute both a trespass and invasion of my legally protected interests. Notice of the alleged debt/negative information, and that the furnisher intended to communicate such to a third party is of particular importance to me, the deprivation of which has caused my character, credit, and reputation to be unjustly damaged. Had the furnisher opted to notify me of its intent to furnish the negative information, prior to the actual furnishing of said information, I could have utilized my protections under the Fair Debt Collection Practices Act ( FDCPA ) in a timely fashion, which may have aided me in mitigating, or preventing, the harm incurred or associated with negative reporting. For example, I would have requested that the furnisher provide me with properly authenticated original account and loan level documentation, verified under oath and penalty of perjury, and upon receipt of such, I would have had a material representation from the furnisher with which to base my decision to pay. I understand that the furnisher may claim to have sent me prior notice in the past in order to preserve its defense ( XXXX ) and/or claim XXXX XXXX ) to the failure to give notice. I am not a litigious person, and at this time I dont necessarily have an interest in pursuing legal action against the furnisher for what I believe is its failure to give notice, and possibly may be willing to forego that. However, as it stands now, the furnishers continued reporting is something that I can very well be offended by. Notwithstanding the production of substantively admissible facts in the form of properly authenticated original account and loan level documentation, I must deny the existence of this alleged debt.
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| 02/20/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Date : XX/XX/2022 XXXX XXXX XXXX XXXX CT.
XXXX, GA XXXX Collection Agency Name : Nationwide recovery service XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( XXXX ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ) of the XXXX I respectfully request that 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 or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the XXXX and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX 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 legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX 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.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
XXXX that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Nationwide Recovery Service in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX days for processing after I receive this information back.
Best Regards [ : XXXX XXXX XXXX XXXX. ] XXXX XXXX XXXX XXXX
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| 07/18/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail 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. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company has placed a collection account on my credit files and has not even contacted me by phone or by mail.I request validation of the alleged debt pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b-c ) that your claim is disputed, and validation is requested. Since you illegally put an item on my credit file without even sending me notice. 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. That is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you Nationwide Rec.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 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 in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating 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 to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 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.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I advise that you assure that your records are in order before I take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
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| 07/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Further More the account in question or rather the company they are saying I owe I do not it was covered and paid by my insurance company.
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| 11/06/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX I was admitted and discharged from XXXX XXXX, XXXX, Georgia. A few months after this I received a bill from XXXX XXXX for the amount of {$700.00}, which represents the amount of my care that was not covered by my health insurance provider. I contacted XXXX XXXX 's department of XXXX XXXX XXXX to establish a payment plan and verbally committed to a payment plan of {$55.00} per month until this matter was resolved. On XX/XX/XXXX I received a Payment Plan Installment Letter from XXXX XXXX XXXX XXXX XXXX listing the terms of my payment plan, reflecting the terms that were agreed upon over the phone, 13 payments of {$55.00} to resolve the balance of {$700.00}. This letter was signed by XXXX XXXX, a representative of XXXX XXXX XXXX XXXX XXXX.
Since receiving this letter, I have made all payments required of me pursuant to the above referenced agreement. I have had my bank send checks to the address listed in the Payment Plan Installment Letter in the amount of {$55.00} and have not missed a single monthly payment. During this time period, XXXX XXXX XXXX XXXX XXXX has referred my account to a collection agency twice, resulting in severe deterioration of my personal credit score. XXXX XXXX XXXX has contacted me through mail multiple times requesting full payment of this account, despite my existing agreement with XXXX XXXX XXXX XXXX XXXX.
I called XXXX XXXX XXXX to explain I had an existing agreement with XXXX XXXX and they informed me that I would have to address this matter with XXXX XXXX XXXX XXXX XXXX. I spoke with them about this the first time my account was referred to collections and referenced my Payment Installment Letter. was assured by the manager of the department that the collections account reference would be withdrawn, that my original payment plan would be honored, and my account would not be referred to collections again. This month, I received notification that my account was referred to XXXX XXXX XXXX again and my credit score subsequently was negatively impacted by this. I called XXXX XXXX on XXXX XXXX, 2017 to address this and was told that they were unsure why my account had been referred to collections again and this would be reversed. While I am relieved that they agree my account should not be referred to collections, it is still cumbersome to continue having to address this issue after being told multiple times that it would not happen again and it is detrimental to me as a consumer to have derogatory remarks reflected in my credit score.
Pursuant to the Fair Credit Reporting Act and Dodd-Frank Wall Street Reform and Consumer Protection Act, I believe that it is unethical and unfair for XXXX XXXX XXXX XXXX XXXX to continue to refer my account to collections agencies, resulting in negative marks on my credit profile and deterioration of my credit score. I have made all payments required of me through the XX/XX/XXXX Payment Installment Letter.
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| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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XX/XX/XXXX auto accident, rushed to XXXX, XXXX insurances supplied to XXXX. XXXX doctors paid, yet XXXX Hospital did not file claims with either insurance. In XX/XX/XXXX received a letter from the Nationwide Recovery Service attempting to collect a debt. I informed them I was conscious and saw my spouse submit insurance cards to XXXX hospital officials. I subsequently over the phone gave Nationwide Recovery Service ( NRS ) my medical insurance information and they were to inform XXXX. I called both my insurance companies and found neither had a claim for my hospital to XXXX Hospital. And that I was not responsible for the bill because they had not filed in a timely manner only {$65.00}. But XXXX/NRS could send XXXX the bill ; however, the payment to them would be considerably less. They also indicated that because XXXX did not file and sent my name to a collection agency to pay, I could file a formal complaint with the Federal Trade Commission for Violation of the Fair Debt Collection Act because since XXXX doctors were paid, apparently they had my insurance info. I called NRS and passed on the info. XXXX XXXX asked if I was an attorney and if not, I could not say that. I said no I am not an attorney, but I do not have to be an attorney to exercise my rights. She then indicated she would contact XXXX and get back to me. I called on XXXX XXXX and XXXX XXXX and they gave me the same story, that I owed the bill. When I did not receive another bill from either XXXX or NRS, I assumed the problem had been rectified. When the XXXX hacked government retirees social security numbers a few weeks ago, I checked XXXX and found my credit score had dropped considerably and could not figure out why, until I came to the collection section. My credit reports reflects we have not been late on any payment since XX/XX/XXXX ( and that was because one of my credit company changed names and unbeknownst to us, we send payment to the old creditor mailing address ). I attempted to call XXXX for XXXX weeks ; however, the call would drop after holding for too long. As a XXXX, I did not want to go downtown XXXX. Finally I visited XXXX on Thursday XX/XX/XXXX. Upon speaking with XXXX at hospital, they indicated that accident bills were normally sent to their attorneys, and they had not filed the claim in a timely manner, therefore, the charge will be removed. I specifically asked about the collection company and my credit report. She indicated NRS would delete the charges and contact both credit bureaus to remove the debt. Spoke with NRS, they have deleted the debt but indicated they were not told to contact the credit bureaus. How can I get this rectified? Firstly, this should be completely expunged from my credit report. It should not say paid or whatever and stay on there for XXXX years because my FICO score will remain
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| 03/04/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effectiveXX/XX/XXXX.
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules.
I also hereby reserve my right to take private civil action against you to recover damages.
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| 06/13/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service.
This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop.
Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again.
All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV 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 NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV XXXX NATIONWIDE RECOVERY SV 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
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| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act.
XXXX XXXX XXXX on my behalf has communicated with Equifax on XX/XX/XXXX and to this day XXXX has not responded. See Purdue v. RJ REYNOLDS TOBACCO COMPANY, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Nationwide Recovery Service ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting.
In addition I am requesting a credit freeze on my account as I am a victim of identity theft.
Please investigate my inquiry into why XXXX refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX ). In both of those cases XXXX purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature.
Thank you for looking into this inquiry and I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX, XXXX.
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| 09/07/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.
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| 01/27/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Currently have a active complaint for debt collector known in XXXX AMO Recovery inc DBA asset management outsourcing recoveries inc with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. Asset management outsourcing recoveries inc no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
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| 09/18/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY 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 NWIDE RECVRY XXXX NWIDE RECVRY 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 XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 02/26/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX 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 XXXX XXXX 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. XXXX, in the U.S. District Court for the XXXX 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 XXXX, FL XXXX
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| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from Nationwide Recovery Services, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to Nationwide Recovery Services for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself.
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.
Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).
Please send this information to my address listed above and accept this letter 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 up to {$5000.00} per incident plus costs. I will await your reply with above requested proof.
Sincerely, XXXX XXXX
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| 09/20/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NATIONWIDE RECOVERY SV 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 NATIONWIDE RECOVERY SV 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. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 08/03/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT NATIONWD REC XXXX NWIDE RECVRY 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 NATIONWD REC XXXX NWIDE RECVRY 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. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 07/27/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Servicemember |
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I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously.
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''
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| 07/08/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}.
This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX Medical Center in XXXX, XXXX, in XX/XX/XXXX.
I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card.
Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did.
I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit.
I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report.
No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled.
Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there.
That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX.
I do not owe XXXX {$580.00}. XXXX XXXX XXXX should be required to remove this remark from my XXXX credit report and from any other credit report they have attached it to.
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| 01/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account.
I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA.
Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another.
XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting.
This entry should be deleted from both my XXXX and XXXX reports immediately.
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| 05/17/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/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 patients authorization. Therefore, my request is twofoldvalidation 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
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| 11/06/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I received letter XX/XX/2021 from collection agency Nationwide Recovery Service XXXX XXXX XXXX XXXX, XXXX TN XXXX, ( XXXX ) XXXX ( XXXX ) XXXX requesting payment {$430.00} for services at XXXX XXXX XXXX XXXX address not given.This is false information. I have never heard of this company and never visited them. I have visited or entered the state of Tennessee in 40 years or more. In addition to having XXXX as my provider which I provide my card for all medical services, I have military benefits as my husband XXXX with 33 years of service. It was suggested that I pay online to XXXX XXXX XXXX which I did not try or I had the option of mailing the payment. Instead I wrote back to the address requesting detailed about the charges, the company, the copy of an invoice and documention showing this agency authorized to collect in Georgia, my state. I mailed them a certified letter on XX/XX/2021.
Today I received another letter dated XX/XX/2021 from Nationwide Recovery in a suspicious envelope not showing their name but the same po box that had been applied with a hand stamp addressed to me but the incorrect zip code printed. The letter was in response to my letter. It included a statement from XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX, Ga XXXX, Tel XXXX XXXX. The statement listing these charges on XXXXare not included on my XXXX statement. Neither have I ever visited the address XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Ga XXXX .There was a copy or list of the issuance of several state 's license permit but Georgia was not on this list. The Compliance representative signing the cover letter was XXXX XXXX. My address on the cover letter was incorrect.
While it is frustrating receiving a letter from a collection agency since I have never received in my XXXX years of life, I feel threatened that my name and address are being used for this scam. At this point, I am reluctant to do any investigation on my own for fear that my telephone number or other info could be exposed.
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| 04/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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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.
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| 04/14/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017 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 breakdown 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 patients authorization. Therefore, my request is twofoldvalidation 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
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| 05/31/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I spoke with a XXXX . She claimed that this was a debt for XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.
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| 01/23/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 02/14/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Never received notifications of the collections account until I noticed it on my credit report. Today I called the hospital and requested the date of service, the date of first statement was sent out as well as the original due date of this bill. The answers were as follows. XX/XX/2018 date first statement was mailed XX/XX/2018 and original due date was XX/XX/2018. The collections account was opened on XX/XX/2018 at this point the bill was only 120 days past due and only 150 from first statement. FAIR DEBT COLLECTING ACT states a medical bill must be 180 days from when it was owed before its allowed to be reported to the credit reporting agencies. That would have been XX/XX/2018. I have Medicare and it takes a few months to figure out from them what is being paid and what isnt. I was not trying to avoid paying this {$54.00} medical bill just waiting until I knew what was actually owed. I received a different amount owed each month for the bills I did get from the hospital. I arraigned payments with them and even made a payment to them after this was sent to collections. I was later informed I was paying on a different amount owed however every bill I saw had the total amounts of all services on them they were not separate bills for each date of service so I can not see how I was paying a different bill and they sent this to collections. The hospital is taking ridiculous amounts and separating the bills to show multiple collections for the same doctors visit. I was informed today there is a separate collections account for {$7.00} and yet another for a different amount I havent seen a bill for any of it since XXXX or XX/XX/2018. I only saw one doctor and one bill was submitted to Medicare how can they separate this into micro bills so they can unfairly attack my credit report because they mistakenly thought I didnt want to pay even after I had called and made arrangements.
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| 12/24/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have already complained about this company and this same debt.Unfortunately, there were 2 collection companies that were worded ( almost ) Identical. The company reached out to me and told me, I apologize to them I am still in the same boat with the o right collection agency.Ive been fighting this bill for years, which brings up very bad memories every time I have to go through this. I explained this to the company, they are well aware that this bill was paid for, I got into an argument with a few people when this first arise four years ago, and instead of fixing it, or helping me, by removing it, they used to call threatening me, and they listed the same exact debt on my credit report 8 different times. The amount of the debt is {$780.00}, they also sold it to another company as well, so theres another bill for {$400.00} some odd dollars listed on my credit as well which is also the same debt. The bill originated in XXXX or XX/XX/2015, and the original creditor was XXXX XXXX Hospital then XXXX XXXX XXXX. I have explained over and over to the current company going back years now that I had insurance and it was paid for and all it did was get me into arguments. I spoke to the hospital that the original bill was from and the other creditor and I was explicitly told that the bill was paid by Florida XXXX in full. I also had XXXX at the time, they were well aware of both of those things, but now that I spoke to the hospital and they told me the bill was paid and they have no idea why am being chased by this creditor, I dont know what else to do because they will not remove it off of my credit reports. This company is very dishonest. I would appreciate any help you could give me. Thank you so much & have a great holiday! I was just denied by the way for another cell phone, I couldnt get my mortgage and the list goes on.
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| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I began disputing the XXXX account entry that is reflected on my credit report with the company in XX/XX/XXXX ( see attached ). In my initial dispute dated XX/XX/XXXX, I specifically requested that XXXX provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and the name and address of the bonding agent for collection agency in case legal action becomes necessary. XXXX responded to my dispute ( see attached ), in their letter dated XX/XX/XXXX.
Upon receipt of the documentation that was sent, I sent them a letter dated XX/XX/XXXX, ( see attached ), whereby I requested that they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release medical information to them as well as for them to cease any credit reporting until the debt has been validated by me ; XXXX failed to do so. They were not able to provide any substantiated documents that reflected financial responsibility on the alleged debt, nor did they provide a copy of my signature with the alleged provider of service to release medical information to them. Merely providing a statement that HIPAA violations were not committed is unacceptable as XXXX should have all documents to indeed prove the debt is legitimately owed versus alleged.
To that end, this entry lacks veracity, is inaccurate and poses a HIPAA violation as any records whether transferred by the alleged medical facility should not have been submitted to a collection agency without consent being granted as reflected by signature on the applicable documents. These entries should be deleted immediately.
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| 03/23/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.
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| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS.
I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.
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| 06/06/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American |
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My elderly mother XXXX XXXX XXXX receives repeated phone calls from a credit recovery company for a medical bills that is over 10 years old. She retired from her job back in XXXX and used to go XXXX XXXX for health care services. She last went to XXXX back in XXXX. Unfortunately, she did not pay the {$160.00} medical bill, because she thought that she was still covered under XXXX 's health plan.
I screened all her phone calls because of the increased number of scam calls received from various companies and vendor, on a daily basis.. My mother is XXXX XXXX XXXX and not in good health. As her daughter, I have to protect her from various individuals and organizations that phone on a daily basis with all sorts of scams.
Since my mother retired back in XXXX, we only received a few notices from her health insurance about the medical bill. However, Nationwide Recovery Service ( XXXX ) started to call her within the last several months. I have repeatedly told them that she does not owe the debt. They insisted that she pay the bill! Each time I discontinue the phone call. Today, I received another call from this company attempting to get the bill paid. I told them that the bill is old and time barred. The individual kept trying to talk over me and wanted some information. I ended the phone call.
My mother is unable to care for herself and I have to take care of her as best I can. This includes avoiding her getting upset by any harassing phone calls. It's gotten to the point, that I turned the ringer off on the phone by her bed. I want to avoid her getting upset over something that is not owed. Can someone in your office help me with this matter? Thank you for your consideration of this matter.
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
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| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am submitted this complaint today due to the above referenced collection agency ( Asset management/ nationwide recovery Amount is {$820.00} Opened! XX/XX/XXXX ) making no attempt work with me on resolving this debt that should not exist. During the dates that this debt is said to of occurred I carried state medicaid and provided my medicaid card during any all medical visits which is on file. I have disputed this debt and it remains on my credit report ( XXXX ) although the collection agency has yet to verify that I am responsible for the debt with a agreement having my signature on it or any hippa papers that should have been signed. I also request that the collection agency show proof that I signed a medical authorization form giving them access to my records along with thier license authorizing they follow all Hippo Laws or of which would be relevant. I have made contact with this company to resolve the debt and the company refused to work with me or settle. The only reason I can think that this company would not settle with me is because I do have good credit without any other collection on my report besides that this company. My boyfriend has a debt with this company with poor credit and the company settled out for a 1/4 of the bill. This is affecting me financially and especially during this pandemic where I am out of work. It has been a constant burden causing me severe XXXX where I've had to reach out for medication for my XXXX I request that the debt be immediately removed from my credit report with all 3 Credit bureaus or provide the requested documentation immediately.
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| 07/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After careful consideration your firm that you represent " Nationwide Recovery Service has been practicing illegal credit acts.
Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
First thing, You do not have any lawful right to be in possession of my identifying information.
Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years.
The last thing Nationwide Recovery Service need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding to have the alleged entry deleted and removed from all 3 reporting CRA 's effective immediately.
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| 06/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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XXXX called, I did not answer. They left a voicemail identifying themselves as Nationwide Recovery Service, a debt collection company, attempting to collect a debt. not a sales or telemarketing call. Please contact us regarding an important business matter at XXXX. I called back, to speak with a representative, whom asked me for an account number. I explained it was a voicemail, and I was concerned this was a scam attempt. She could not find my account with the cell phone number they left a voicemail on, and asked me if there would be any other phone numbers affiliated with this account. I said no, and reiterated that they just left a voicemail on my phone two minutes ago. She put me on a brief hold ( 3-5 minutes ) ; then returned to the line, asking if I was Jane Doe ( not using my real name in this report ). Unfortunately I said yes, even though I had identified myself upon the initial call. She then asked me if my date of birth was XX-XX-XXXX. I stopped, and said I was not giving any more information. I asked what this was in regards to, and the woman said an important business matter. I told her I never received a letter, and I was not going to release any information until I knew what the call was in regards to. She then began speaking very loudly, talking over me, stating I needed to verify the information she was giving me- she was not asking me for any information, just asking me to verify the information she was providing. I hung up. Both women were US, southern accent speaking- the voicemail, and the rude representative.
|
| 12/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
I called the collection agency and advised I will make a payment on a successive months until the balance is zero.
I spoke with the management for further assistance due to my financial hardship at the time.
She advised my payment will be accepted but never advised from any of the collection agency representative that I will be reported for 3 credit bureau including the XXXX.
I called back and reconfirm that there is no credit bureau reporting on me.
I am totally disappointed by this company collection practice and communication.
I have never received a bill for my total balance owed.
The report in my 2 credit bureau shows a balance of XXXX dollars.
However, My phone conversation with the representatives states a balance of XXXX dollars.
The company has mislead me by not telling me that after certain date they will report me to credit bureau.
The company mislead me for stating wrong amount of debt owed ( the credit bureau showed XXXX while representative told me XXXX ).
I did contact collection agency and I expressed my benevolence to settle per my ability.
And I made XXXX payment for consecutive months for a total of XXXX dollars.
This is unfair and reputation damaging business practice for a committed citizen who wants resolve dispute for fair and square way.
I do n't even know when if there is a rule that says you do n't have to let or communication with consumer about their account status. No XXXX, XXXX or XXXX notice given to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
|
| 03/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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|
I am sending this letter to you in response to a notice I received on my credit report by your debt collection agency ( as defined by on 15 USC 1692a ( 6 ) ) on XX/XX/2017. Be advised, this is not a refusal to pay, but a notice and Consumer Consent Enforcement Order sent based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) ( 4 ) that your claim is disputed and applicable Federal Consumer Protection Laws This is a request for VALIDATION ( to establish legitimacy ) AND VERIFICATION ( sworn and attest to the authenticity of the alleged debt ). I demand that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following sworn to and under oath : Provide authenticated loan level documentation from alleged credit Date you purchased the alleged debt and the amount you paid for said debt ( unjust enrichment is prohibited ) Appointment contract to represent alleged original creditor ( affiliate, under corporate control ) The original date of Charge Off ( cancellation of the alleged debt through write off on tax filing, canceling my alleged obligation ) Provide a judgment order against me for this alleged account you are attempting to collect Provide me with your company 's insurance/bond information to assess my future claims Prove that the Statue of Limitation has not expired on this account Show me that you are Licensed to collect in my state, and Provide me your License numbers and Registered Agent
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
Thousands of dollars of bills were reported to my credit as a collection by Nationwide Recovery Service, I reached out to my insurance and confirmed I was fully covered for these bills, I disputed but Nationwide Recovery Service did not remove. I then spoke to the original creditor, XXXX XXXX XXXX and XXXX XXXX billing departments, I spoke to a representative named XXXX, the original creditor confirmed with me that this account is not in their records under my name, nor do they have an outstanding debt for me. I requested a debt validation from this collection agency, they sent me an itemized bill that states I owe {$0.00} awaiting insurance response. Again, the creditor confirmed that there were no balances outstanding under my name, my children 's names, or our social security numbers. I sent this proof and verification to the credit bureau and to the collection agency.
It is not ethical or legal to collect a bill for patients fully covered by Medicaid ( also proven ), the original creditor does not have any bills in my name. The accounts are still being fraudulently reported to my credit report even though I do not owe any money which is causing harm to my finances and adversely affecting my credit report and costing me thousands of dollars in interest every year. I have sent a package of proof and verification to this collection agency of which they have ignored. I will take every step needed to hold this agency responsible, these items should not be on my credit report.
|
| 02/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX of XXXX I had to have a medical procedure that was deemed important and necessary. I had medical insurance, XXXX XXXX, through my employer, XXXX XXXX. The medical procedure required me being anesthetized. I went to a medical provider in network. I was not told that the XX/XX/XXXX was not in network, and was not given a choice. I was also not given a bill at time of service. In XXXX, I had been mailed a bill from XXXX XXXX XXXX XXXX XXXX, of XXXX XXXX, NY. It was for more than {$2000.00}. I immediately notified both my employer and the insurance company, XXXX. Someone said they would look into it, and I figured that they would. In XXXX, I was sent to collections. As I was no longer working for the same company, the employer could have cared less and were no help. I reached out to XXXX, and one person there acknowledged that this should have been paid, and promised it would be taken care of. Six months went by, and this was still on my credit. I have no confirmed that the insurance company has actually paid the bill. However, XXXX XXXX XXXX XXXX XXXX, while having received payment, has refused to take this off of my credit. It has now been since XX/XX/XXXX that this has been paid, and I have the statement of benefits from the insurance company that it was paid and nothing due to me. This remains on my credit still, and no one at XXXX XXXX XXXX XXXX XXXX will assist, as they sold off the debt apparently to an in house collection agency.
|
| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I was seen at XXXX XXXX XXXX in XXXX XXXX, GA in XXXX. I told the hospital I had insurance through XXXX. XXXX XXXX XXXX ( XXXX ) is claiming I didn't tell the hospital. It makes no sense for me to have gone to a hospital and not tell anyone I had health insurance..
The hospital went bankrupt and shutdown without ever sending me a bill. Since XXXX the hospital has gone through a couple of different owners. I never received a bill or anything regarding disputing this debt. I did not know about the {$3400.00} bill until it appeared on my credit report via XXXX XXXX XXXX in XXXX. They only sent a letter after I called, but claimed they sent one before that. My insurance company refuses to cover the claim because it happened over a year ago. The hospital should have notified my insurance. I should not be liable for nearly such a large sum of money due to a mistake of a bankrupt hospital from years before and a credit service not properly notifying me. There is no excuse for it to have taken so long to show up on my credit report to begin with. If someone had let me know within one year my insurance could have covered it but now it is too late.
I had to call XXXX XXXX XXXX multiple times to even get someone to pick up. The first time someone picked up they were having a personal conversation with a friend and hung up. I am seriously concerned about the lack of professionalism and these people having my personal information.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Use false, deceptive, and misleading representation of different claims amount to collect the debt.
The XXXXXXXX XXXX ( original creditor -XXXX XXXX XXXXXXXX is the collector ) has alleged or claimed three ( 3 ) different of Non verified and Non validated owed money.
{$7700.00} {$7700.00} {$8600.00} Do I know the amount?
I have no idea about the amount its ( 3 ) different unverified and invalidated amounts It was not resolved the billing dispute with XXXX for more than ( 5 ) years. It is still unclear to me what about their false owed of ( 3 ) different amounts for the SAME issue or claim.
Date Description for letter/Document Amount US $ Document # XXXX 2nd Party, sent a collection letter XXXX ( Doc # XXXX ) XXXX XXXX XXXX Conclusion 3rd Party Bills 2nd Party, sent an attached file from the original creditor ( 3rd Party ) for the details of the alleged /claimed XXXXXXXX ( XXXX ) + ( XXXX ) + ( XXXX ) ( 3rd Party ) Bill ( 3rd Party ) Bill Amount different from XXXX To XX/XX/XXXX Amount different from XXXX To XXXX XXXX Amount different from XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Doc # XXXX ) XXXX XXXX XXXX ( Doc # XXXX ) -XXXX ( Doc # XXXX ) XXXX XXXXXXXX XXXX ( 4th Party ) - Original Amount ... - Balance Amount XXXX XXXX ( Doc # XXXX ).
XXXX XXXX XXXX XXXX : Track my credit score with XXXX Credit Report/account and balances /account of payment details XXXX ( Doc # XXXX ).
|
| 06/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.
|
| 10/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Nationwide Recovery is trying to collect a medical debt i have no knowledge of. They are reporting this debt to the collection agencies falsely without any type of validation. This is a violation under the FDOPA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me.
XXXX, XXXX, and XXXX are saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
|
| 07/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!
|
| 07/31/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I called and negotiated over several months to pay the Balance in full. The original loan amount was with XXXX XXXX XXXX in the amount of {$2000.00}. I was XXXX and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed.
The letter said : For : XXXX XXXX XXXX Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above.
This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.
|
| 09/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Creditor : Nationwide Recovery Service Original Creditor : XXXX XXXX XXXX Debts : {$250.00} {$180.00} {$150.00} Nationwide Recovery Service contacted me via telephone on XX/XX/2021 to inform me of an outstanding bill from XXXX XXXX XXXX in the amount of {$150.00}. I requested that the send me information in writing so that I could verify the debt. The company emailed me a correspondence on XX/XX/2021 with how I could access information and get the debt verified ( see attachment ). The email said that I had 30 days to request that the debt be verified.
On XX/XX/2021, I received an alert that Nationwide Recovery Service had reported three collections on my credit file with XXXX and XXXX. The representative never said I had three accounts and the correspondence they emailed me was for one account ; however, Nationwide Recovery Service reported three separate accounts to XXXX and XXXX.
I was not given the lawful time to get this debt verified before they reported it on my credit file. The company did not stop collection activity until it provided the required verification nor did they allow me the opportunity to even request a verification prior to them reporting it.
I reported to the company that they had a previous address incorrect and that the name on the account was also incorrect.
|
| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
Debt Collectors do not have any lawful right to be in possession of my identifying information.
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.
The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
|
| 04/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 10/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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In XX/XX/XXXX over several visits I visited XXXX XXXX XXXX and always provided co-pay payment with each visit. At the end of XX/XX/XXXX XXXX ( AKA XXXX XXXX XXXX ) was sending me different amount due on my account. I made phone calls and two trips back up to XXXX settling the matter. As of XX/XX/XXXX I provided bank statements with charges applied that matched each visit. ( Basically did their job for them ). XXXX located at XXXX XXXX XXXX location in Kansas took the statements. I called her back a few days later and she said my account was paid in full. Now almost 2 year later I received a collection letter last night. When I spoke to my insurance company back in XX/XX/XXXX they told me all I would owe is the co-pay of {$65.00} for each visit. Which I have done and provided proof back in XXXX. Matter of fact I don't have copies of these statements because XXXX asked if she could have them to fix my account so I gave them to her.
Last night I received a collection request from XXXX XXXX XXXX on account XXXX File # XXXX for {$62.00} owed. I have never seen this amount. Another new amount. I have documentation of the dated of service. I believe there could be fraud for all the different amounts they keep trying to bill me.
I don't know what else to do. Please help.
|
| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.
|
| 02/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Collection company : XXXX XXXX XXXX Orginal creditor : XXXX XXXX XXXX XXXX XXXX Date of service : XXXX can not confirm, only provided date they received claim:XX/XX/18 Amount : {$250.00} This account has been listed on my credit report. I have reached out to XXXX via phone ane certified mail asking for itemized proof and I have not received a response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. This is my second and final notice of this violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I plead for help and a quick response.
|
| 12/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX opened a collections effort against me for XXXX XXXX XXXX XXXX. It appears to be dated XX/XX/XXXX, 2017. XXXX XXXX XXXX XXXX charged me for services provided by laboratories that were not in the network for my XXXX XXXX XXXX XXXX coverage without my knowledge or approval. Each time when I checked out of the office, I was told that no payment was due.
When I attempted to discuss the account with XXXX XXXX XXXX XXXX on several occasions, they would not address the issue in detail and never returned phone calls in regard to the matter. It appears that they have done this several times and have not attempted to resolve the issue when I contacted them to discuss the matter. These are unauthorized charges as they are associated with annual physicals that are fully covered under my insurance plan. This appears to be a repeating pattern for this medical group and should be investigated by the Georgia licensing board as an unfair practice. If this negative impact matter is not promptly removed from my credit report, I will file formal complaints with the governing medical licensing group and with my insurer in an attempt to have the practice removed from in-network status with XXXX XXXX XXXX XXXX.
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
MY HIPAA RIGHTS HAVE BEEN VIOLATED-INTENT TO SUE On XX/XX/2021, I mailed a debt validation letter to Nationwide Recovery via certified mail. The tracking number is XXXX. Per the FCRA, they had 30 days to completely validate this debt. It has been six weeks, and they have yet to do so. Furthermore, this collection was added to my XXXX credit report on XX/XX/2021 AFTER the I sent the validation request letter and BEFORE I received full and complete debt validation, which is a direct violation of the FCRA. As I previously advised them, I was not only requesting copies of medical billing statements, etc., that provide details of services rendered, per it is a direct HIPAA violation for them to have this information without a signed medical release/transcript from me authorizing National Recovery Services to view my medical records. Since they do not have a signed release on file with me as I specifically requested, they have violated my rights under HIPAA by reporting this debt to the credit bureaus.
Again, I am requesting this collection to be removed from my XXXX, XXXX, and XXXX credit reports. If this is not removed within the next 10 business days, I will file a lawsuit seeking damages at a minimum of {$10000.00} USD.
|
| 01/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.
They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company.
( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report
|
| 03/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I was in auto accident and had gotten medical treatment in XXXX Hospital in XXXX, AL they debts was paid by my attorney ( see attached documents ) the hospital later sent it to collections and have reported on my credit report which id defamation of character as this bill has been paid way before reporting date. I have disputed this information with National Recovery Service and the credit bureaus asked for debt validation on several occasions and to verify that they were legally allowed to report this after I have paid them before they even placed on my record. The company failed to do an accurate dispute and to send me validation of the debts they claim I owe, they are defamation my character and this information needs to be removed immediately or I will seek compensation for damages.
Regarding accounts : XXXX XXXX ACCOUNT # XXXX {$250.00} XXXX XXXX ACCOUNT # XXXX {$4100.00} I have mailed several dispute letters since XX/XX/XXXX and I sent a final dispute certified tracking # XXXX Nationwide Recovery Service sent XX/XX/XXXX delivered XX/XX/XXXX @ XXXX XXXX certifeid tracking # XXXX Nationwide Recovery Services sent XX/XX/XXXX delivered XX/XX/XXXX AT XXXX XXXX
|
| 09/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 at XXXX, I attempted to contact XXXX XXXX XXXX to set up a payment plan on an account that I previously owed. At one point in time, I was set up on payments for this account but I was unable to continue making the payments. When I contacted them, the lady that I spoke with told me that in order to get me set up on a payment, I would need to provide them information regarding my personal finances. I told them that I was not comfortable providing that information, nor per the FDCPA was I required to provide this information. I told them that I could set up payments semi monthly in the amount of {$30.00} ( a total of {$60.00} a month. ) The woman told me that she was unable to set me up with that amount. Seeing as I work in Compliance for a collection agency, I do know that it is a violation of the FDCPA that they can not refuse any amount that I am willing to pay. I do have a copy of the call on my phone as well as I do record all of my calls, as well as they record their calls. Due to the illegal practices of this company, I want this debt removed from my credit report and for the account to be closed. I will continue to file complaints until this has been resolved.
|
| 12/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX but the XXXX part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.
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| 08/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I owed and paid my medical bill of {$210.00} on XX/XX/2020 to my doctor, XXXX XXXX XXXX formerly XXXX XXXX ). On XXXX XXXX XXXX XXXX services notified me by mail that I owed this same amount and it was originated from XXXX XXXX. I supplied by mail my proof of payment 1 ) my credit card receipt with transaction number details. Now yesterday XXXX XXXX I receive a notice from another collection agency ; Nationwide recovery service that I still owe this debt. The Forwarding agency is XXXX XXXX and Nationwide recovery received this claim on XXXX.
I am XXXX and tried patiently to speak with a representative on the phone to provide my proof of payment details. They insisted I paid the wrong Doctor but I told them the name of the practice changed hands and it is the same debt that I paid on XX/XX/2020.
I am mailing them my credit card receipt along with my credit card statement detailing this bill was paid - BUT I have no faith this company or the prior debt collector will follow through and investigate that I did in fact pay my bill. Both companies need to communicate with each other and the original collector XXXX my doctors practice ) that in fact I paid.
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
|
| 08/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
|
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services 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 XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX 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 XXXX XXXX ). 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.
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| 06/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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XXXX XXXX XXXX XXXX sent a disputed medical debt of {$3300.00} to their collections agency NRS, without ever having sent me a bill. The entire amount is being disputed as it is still pending an appeal with insurance and XXXX is breaking the law by claiming and billing me as if they are an Out Of Network provider when in fact I and my insurance company have proven and informed them of their In-Network Status using an EOB dated XX/XX/20 wherein they were denied due to untimely filing. It seems XXXX is only claiming Out Of Network status to bill me for the entire amount because they failed to bill my insurance correctly and on time their and the account has become their loss. XXXX has claimed they took the disputed bill out of collections with NRS but NRS says it is still with them as of XX/XX/20. I have provided NRS with a copy of XXXX statement to the XXXX regarding this same complaint. And I have provided the EOB proof of In-Network status denied for untimely filing to both companies as well. Hopefully the evidence I have provided will convince NRS to close the account and XXXX to cease fraudulent Out Of Network billing practices.
|
| 08/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Nationwide Recovery Service by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, Nationwide Recovery Service is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
|
| 12/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This states that it is a Medical Collection Debt. My co-pays for a doctors office visit are {$40.00} flat which covers all services provided. For an Emergency Room Visit my copays are a FLAT {$75.00} ... So the 2 debts this company are trying to collect are either not mine, simply wrong, or the result of balance billing which XXXX does NOT ALLOW ... The other problem with these debts are one is for {$210.00} and the other is for {$100.00}, i'm not a rocket scientist but I do know neither of those amounts add up to {$75.00} nor {$40.00}. My Medicare Policy is for people with certain conditions only and pays much better than the average medicare policy. I can only assume they are trying to collect way more than allowed by XXXX. I will be glad to forward a single visit, which has been broken down to multiple charges to XXXX and have them speak with the provider to clear this matter up. Unfortunately this may also result in a fine from XXXX for Balance Billing! It needs to be removed completely.
Dates of Service XX/XX/2016 XXXX Medical Center Act # s XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
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| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars
|
| 01/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This complaint is about Nationwide Recovery. On Monday XX/XX/XXXX I sent by certified mail to the address listed on my credit report a letter regarding the validity and verification of multiple debts listed on my credit report from this debt collector. To date I have not received any correspondence back. I also went to their website and emailed the email address they provide to get further clarity on the alleged debt. I emailed them XX/XX/XXXX. Both attempts at communicating have not been responded to. There are three accounts in question respectively in the amounts of {$190.00} opened XX/XX/XXXX ( XXXX and XXXX ), {$240.00} opened XX/XX/XXXX XXXX XXXX XXXX, {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX. I have also disputed the accounts with the above credit reporting agencies with no resolution. I believe this company to be a scam due to their not ever being ANY EVIDENCE or attempt in response to me. It is very detrimental to my credit report to have UNVERIFIED debts listed and harmful to my score. I have attached evidence of my attempt to reach the company by certified mail and email.
|
| 05/21/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I, XXXX XXXX, has sent out a dispute letter to NationWide Recovery Service on XX/XX/2022 and they have failed to respond. I reached out to NationWide via call to confirm the letter has been received and it indeed was. I was told by a representative a letter will be sent out to me but I have not received a response from the company. I sent in a follow up letter on XX/XX/2022 regarding the matter and they have failed to respond to that one as well. If the collection agency ( Nationwide Recovery ) are attempting to collect a medical bill then my private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This is a violation of my HIPAA RIGHTS. The FCRA states that it's the Credit Bureau 's and creditor responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations.
|
| 06/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I underwent a surgical procedure in 2012 in XXXX, Florida. The entire charge was supposed to include all doctors and services. The bill was paid in advance in cash. Notwithstanding that payment, some doctor or other medical service provider charged for services already paid. I tried to resolve this matter for several years however, the hospital was sold and the new entity was either unable to, or refused to, provide all records and payment history. I do not and have never owed any sum to any medical provider. In addition, the statute of limitations has long passed on this purported debt. I have protested this fraudulent charge on several occasions and have received no response or records regarding this matter. Both the debt collector and the initial alleged creditor are engaged in a joint conspiracy to collect a debt not due and owing. I will next refer this matter to my congressman and senator together with the appropriate state authority governing hospitals and physicians in the State of Florida. This has damaged my credit for years and requires restitution.
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| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I got an email from XXXX XXXX XXXX regarding a debt collection agency by the name of Nationwide Recovery Services re : a debt owed them in the amount of {$1300.00} in my name.
So I notified them informing them of the issues at hand, I spoke with a young lady who was assisting me in trying to find out where the debt came from, she didn't have that information because the names in her system reference the same name as mine. I never receive any kind of notification from this debt collection agency before, and there's another problem, I can't get a hold of XXXX only their automation system in which don't address my needs, The notice has been posted by XXXX on my account because work with them before in past and them {$99.00} a month for six months to repair my credit, that ended last year XXXXXX/XX/XXXX, but in the meantime when I was speaking with the young lady who kept putting hold, I got another email from XXXX informing me my credit score has decreased by 7 points at this point I didn't know what to do but file a complaint with your agency.
|
| 09/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. I tried contacting this company and was never able to actually speak with a agent.
First off, I have never heard of this company nor have I ever been contacted regarding this alledge debt. The collection information states this account was placed with this company in XX/XX/XXXXof this year. I have no knowledge of this debt and I'm XXXX percent sure I don't owe it. I am retired and debt free. I pay all of my bills and I DO NOT owe anyone. I want this bogus debt removed from each credit report it was placed on. I am aware of my rights as a consumer and I definitely will not hesitate to sue this company for defamation and smearing my credit profile. Also what company just goes around and places debts on credit reports with out allowing the consumer the ability to dispute the validity of the debt, which is my right as a consumer, and I was not given that opportunity.
|
| 05/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed this issue multiple times online, and most recently faxed a request for validation of this debt and also disputed the validity of this debt again to XXXX XXXX XXXX on XX/XX/XXXX. Even though I am a XXXX recipient, had coverage for the XXXX which was XX/XX/XXXX, and should never have been billed, charged, or had it placed in my credit file, neither XXXX XXXX XXXX nor XXXX XXXX has removed this from my credit file. Therefore, I am providing proof that this is an illegal charge placed on my credit file fraudulently, even though I should not have to do this or provide this information because XXXX XXXX XXXX and that the current owner of XXXX XXXX XXXX already has this information. XXXX XXXX XXXX and XXXX XXXX XXXX, or the current owner of XXXX XXXX XXXX, is in violation of the law. I have also filed complaints with the State of Georgia and the current owner of XXXX XXXX XXXX through XXXX on XX/XX/XXXX. The amount that XXXX XXXX XXXX placed on my credit report is {$2900.00} for which I am not responsible.
|
| 07/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX
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| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently checked my credit file and identified that the debt collector is now reporting the account in question in an attempt to collect the alleged debt. I have never received any initial communication from their office regarding the alleged debt or their attempt to collect on it. I also spoke with their agent, XXXX XXXX, today and advised her that I dispute the validity of this debt and the personal information associated with me in their files. She advised that she sees insurance was involved and I advised her that the address she has on file is not valid and I do not know how they received that address associated with me but she still refused to remove it from my credit file to properly provide notification of debt, allow time to conduct a thorough investigation, and allow the opportunity to dispute and request legal verification. I am unaware of and dispute this alleged debt. Therefore, please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety.
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| 12/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.
|
| 06/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Nationwide Recovery Services failed to provided me with a contract bearing my signature of an alleged Debt that they said I owe them. there are various accounts on my credit report from them, I sent the first letter asking for VALIDATION, NOT VERIFICATION of any contract that I have with them bearing MY SIGNATURE. and they have failed to provide me any documentation bearing my signature. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Nationwide Recovery S ervices. I am again formally requesting a copy of any documents, BEARING MY SIGNATURE, showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
|
| 12/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.
|
| 03/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 04/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Nationwide recovery service on XX/XX/2022. 60 days ago regarding an alleged debt with XXXX. They never responded. I called them XX/XX/2022 and informed them that by law they had 30 days to respond to my dispute. I no longer am interested in them sending me any information I am requesting complete deletion of this account, and for my credit reports to be updated. The amount was for XXXX I specifically asked them to send the following Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you The representative informed me that they can not send me a XXXX authorization. That is because I never gave them the authorization to obtain my medical files. They are not a medical provider, only a collection agency. The representative hung up in my face
|
| 06/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
FOR PROFIT DEBT BUYERS WROTE ME ON XX/XX/19. I actually received their letter postmarked on XX/XX/XXXX. I kindly responded to their Frivolous claim onXX/XX/2019. I simply advised to Cease and Desist, Validate to actual debt and valid ate themselves to me. I responded in accordance to their fraudulent letter in a timely matter as I do not have a Valid Contract with Nationwide Recovery Service, or do not wish to contract with them. OnXX/XX/19 Nationwide Recovery issued a unknown medical Record with no instructions, reply, or response to my originally mailing. But as of XX/XX/XXXX NationWide Recovery Service has reported the disputed Frivolous debt to all the Credit Reporting Bureaus without verifying the debt. Identity Theft has been committed by Nationwide Recovery Service as they obtain my Social Security Number illegally and Hippa Laws are broken as they obtained alleged medical records without my permission.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
15 USC 1681 Section 602 States I have the right to privavcy.
15USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days brfore the payment due date.
|
| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied.
This company is breaking the rules!!!!
Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you.
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The bill relates to XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX Texas XXXX for COVID tests. Each test was {$270.00} or so.
Our insurance company paid the bill, but insurance company reimbursement wasn't applied properly by XXXX. XXXX XXXX XXXX improperly sent our file to Nationwide Recovery Services. My wife spoke to a collector at Nationwide Recovery Services today XXXX XX/XX/11 XXXX and asked that they stop calling while we are trying to get it resolved. The collector said that wasn't possible. My wife called XXXX after speaking with the debt collection agency and said there was an error and they had not applied the payment properly.
It is not clear if XXXX willfully is trying to charge twice for COVID testing. I also find it appalling that XXXX may be fraudulently trying to take advantage of COVID testing. It seems they should be trying to meet a higher standard.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I contacted Nationwide Recovery about the debit owed to XXXX XXXX XXXX. I have not lived in Georgia where this was " Acquired '' since early in the year of XXXX. I do not have knowledge of this account and do not believe this is my account. I have tried in the past to clear this record up by having my insurance company pay. However the Georgia State XXXX office could not find this visit. Also Again I have not lived in Georgia since XXXX and this was listed on my credit on XX/XX/XXXX. Three years after I moved away. This is not timely in the least. I was told the debit was acquired in XX/XX/XXXX but was not listed until XX/XX/XXXX. Again I do not have any recollection of making any trips in on or around XX/XX/XXXX. I contacted Nationwide Recovery and was told there was nothing they could do to help. They stated the quickest and easiest thing for me to do was dispute it.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 01/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia.
I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}.
On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX.
I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions.
Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX.
As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.
|
| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I file a complaint against XXXX XXXX XXXX with the XXXX in regards to having no knowledge of an alleged debt in the amount of {$59.00} that XXXX XXXX XXXX IS INCORRECTLY REPORTING AGAINST MY SSN. I HAVE NO CONTRACT WITH XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX STATED THAT THE ONLY INFORMATION THEY HAVE IS MY NAME AND AN AMOUNT OF {$59.00} WHICH IS INSUFFICIENT VALIDATION. On XX/XX/XXXX XXXX XXXX XXXX received my official request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which includes a request to cease collection and reporting until they prove the alleged debt to be valid. On XX/XX/XXXX XXXX XXXX XXXX REPORTED continues to report incorrect debt against my ssn and have refused to cease collections and reporting after receiving my request for VALIDATION WHICH IS IN VIOLATION OF THE FDCPA.
|
| 09/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nationwide Recovery currently is attempting to collect on a debt from " XXXX XXXX XXXX '' that is not owed by me. I have not done any business with Nationwide or " Nationwide recovery '' I've attempted to resolve the matter with Nationwide and " XXXX XXXX XXXX '' several times and have gotten no resolve. I've asked for written evidence that this debt is owed by me with my signature and some sort of identification proving that I've engaged in business with this company. They have failed to provide any evidence, but want to pay on a debt they aren't even positive that is mine. I am prepared to take legal action against this company for failing to protect my rights un the FCRA and their predatory collection attempts. I demand they they remove this collection from my credit report immediately and stop all collection further efforts.
|
| 01/23/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.
|
| 06/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The collector requested money not owed and threatened to report the false debt to the credit bureaus. There is no debt! Medical bills were filed with XXXX and my XXXX XXXX and payment was rendered. Furthermore, I received nothing regarding the bills from the hospital that turned me over to the collection company. To resolve the issue, I had to spend time to find my XXXX and then fax the information to the debt collector. The girl I spoke with told me to find the information to prove to her there was no debt She stated that she could file an insurance claim if the claim had not been filed and she could receive the payment, yet she could not check with the insurance company herself to see that there was a claim. I do n't understand how she can get money, but ca n't get information from my insurance company! This is wrong!!!
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
At this time XXXX XXXX XXXX XXXX and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to NATIONWIDE RECOVERY SERVICES both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days XXXX and with PROOF of PARAMOUNT RECOVERY SERVICES has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.
|
| 08/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I received a call on XX/XX/19 at XXXX from Nationwide Recovery Services . They attempted to collect personal information such as mailing address, but they never identified themselves as a Debt Collector or that the call was in an attempt to collect a debt. Ms. XXXX the representative on the phone said that she was going to log my refusal, but I was refusing to give any information as I did not know the reason for the call or the company she was representing. I had to get that information through calling back the number received. I am not aware of any outstanding debt.
By failing to identify themselves as a debt collector and that the call was in relation to a debt and that the call was an attempt to collect a debt, I feel this is a violation of the Fair Debt Collection Act. Thank you for your time
|
| 09/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/20 I made a payment on NRS website as I have done previously. The total amount I agreed to pay was {$40.00} when I received my receipt the total amount charged to my card was {$46.00}. The receipt stated that there was a {$5.00} processing fee included but nowhere on their website or during the payment process does it tell you that they are charging you this fee. When I look at my payment history the totals do not include this fee or show the actually amount paid anywhere. I contacted the company and spoke with 2 people who stated that the consumer has to check a box agreeing to the fee, which is false. There is no box to check and it is not stated. Consumers can not pay multiple debts on the site at one time therefore they would be charged {$5.00} unknowingly for each payment.
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am making a dispute agains t Nationwide Recovery Service in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit 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 mailing address, but a request for VALIDATION m ade pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports ( XXXX , XXXX , and XXXX ). This action constitute fraud under both Federal and State Laws.
|
| 10/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2016 and XXXX XXXX, 2016 I requested validation of a debt Nationwide Recovery Service ( NRS ) is reporting on my credit report. To date NRS has failed comply to FDCPA and FCRA ( the Acts ) regulations. ( see attached ) I will file separate legal action against NRS to recover damages for : defamation of character ; causing me grave financial harm in a Court of law.
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights.
This Agency has the authority and jurisdiction under Section 621 of 15 U.S.C 1681s to recover penalties on my behalf instead of filing legal action on my own.
|
| 12/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt. XXXX responded on XX/XX/2016 and XXXX on XX/XX/2016 advising that I contact the creditor as the debt has been verified. I sent a request to XXXX requesting validation of the debt twice I have certified mail confirmation that they received it on XX/XX/2016 and a second request XX/XX/2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
|
| 01/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2022, I consumer XXXX XXXX noticed NATIONWIDE RECOVERY SERVICES, a third party debt collector was infringing upon my intellectual property rights. XXXX illegally reported information on my consumer report. This is a direct violation of 15 USC 1681, I, the consumer never entered into a contract with XXXX, nor did I give them my written or express permission to furnish information on my consumer report. On XX/XX/2022, I sent XXXX a cease and desist letter, via certified mail, demanding they stop their wrongdoing and for them to send me an audit trail of this account. XXXX failed to respond to my demand of a debt validation letter pursuant to 15 USC 1692g. They stated I needed to send a written correspondence, and that's not what's written in 15 USC 1692g.
|
| 06/11/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American, Servicemember |
|
I have been a long-term customer of my health provider and due to their inaccurate contact records, they never reached out to me in an attempt to correct their error. Instead my attempts to use my online account to no avail, prompted me to reach out to them. They have multiple telephone numbers that could have been used to resolve this issue, but not once had I received a call from them. My online access to my account was thwarted by their lack of contact and instead I was contacted at work by Nationwide Recovery Services and promptly settled the past due account for a total of {$100.00}. This lack of initiative on their part was devistating and left me with decreased credit score all because no one at XXXX XXXX could or would pick up the telephone.
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" 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.
"
|
| 08/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a two letters in the mail from NRS ( NATIONWIDE RECOVERY SERVICE ) around XX/XX/2021. One letter states I owe them {$450.00} and the 2nd letter states I owe them {$510.00} I've never heard of NRS ( NATIONWIDE RECOVERY SERVICE ) and don't even know how they got my information. I responded by mail on XX/XX/2021, in which I have the returned receipts from the Postal Service showing they received and accepted one of letters on XX/XX/2021 and the other one was received and accepted on XX/XX/2021. According to law 15 USC 1692g ( b ) as a Consumer I requested that they Validate this debt they claim I owe. It's been over 30 days and still haven't received any proof from NRS ( NATIONWIDE RECOVER SERVICE ) showing no Validation.
|
| 09/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account.
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
I am a victim of identity theft. The tradeline, which appears on my credit report from Nationwide Recovery & XXXX XXXX last reported XXXX XXXX2020 in the amount of {$180.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Nationwide Recovery & XXXX XXXX individually and have not received any reply back.
|
| 08/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First off i never knew about this debt i never got anything in the mail concerning this debt with this company. I found out about the debt because its on my credit report. I received something from the original creditor with account number ending in XXXX and what this collection agency have is an account number ending in XXXX. This is an inaccurate debt that they are trying to collect on. I need for them to cease and remove debt from my credit report because its inaccurate and the account numbers prove that. Also Nationwide Recovery say the deliquent bill from the original creditor was deliquent as of XXXX XXXX, 2016 but how can it be deliquent when XXXX XXXX 2016 is the same day of the service so this is inaccurate.
|
| 09/16/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
We were contacted by this company in the summer about a medical bill that was unpaid. When the representative reviewed the bill it was discovered to have been filed under the wrong insurance. We gave the representative the correct insurance information and she assured us she would refile. We did not hear from them again until XXXX XXXX, 2016. On XXXX XXXX Nationwide called my husband multiple times during the day. When he explained to the representative that the insurance needed to be refiled she became belligerent with him and began insisting that he MUST pay the debt right then. He tried explaining to her that the insurance needed to be filed with the correct patient and number but she did not listen.
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account for some time now with NATIONWIDE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 07/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021 I sent ASSET MGMT/NATIONWIDE REC a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ASSET MGMT/NATIONWIDE REC as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
|
| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Nationwide Recovery Services is reporting three collections on my credit report ( XXXX and XXXX ) that are false and they are rudely and grossly doing so because the original creditor ( XXXX XXXX XXXX ) does not have any bills, collections, or accounts from me. These bills are also from a time that I was not hospitalised or a patient at this facility. These three collections all total to over {$6000.00}. They have ruined my credit for no reason these people are financial criminals. For the record I have been on XXXX for over a decade and never ever had any outstanding medical bills. I want them to delete the three bogus, fraudulent, and unfounded debts that are not mine but this company refuses to.
|
| 02/17/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.
|
| 07/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt Collection Agency did not send any correspondence that I owed the medical debt, which the debt collection agency did not notify me before inserting this {$59.00} small debt on the credit report, which is a violation of my consumer rights and they violated the Fair Credit Reporting Act. Also, I have paid this account with the collection agency, and I am demanding that this account is removed from my credit file immediately! If not, then I am taking this matter to court and filing a lawsuit. Also, I have proof that this debt of {$59.00} is paid. Also, the collection agency people did not e-mail nor fax me a copy of my paid receipt, which they are wrong on that level as well.
|
| 10/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with NATIONWIDE RECOVERY SV for them to have obtain my personal information or medical records. In fact NATIONWIDE RECOVERY SV this is an violation of 15 USC 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 USC 1302d-9 ( b ) ( 3 ) HIPPA Privacy. By NATIONWIDE RECOVERY SV obtaining my personal information and medical records with out my consent have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt NATIONWIDE RECOVERY SV has furnished to my consumer 's reports.
|
| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has placed a collection account of {$210.00} on all of my credit bureau files. I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. They sent an itemized statement of services, which may be an HIPAA violation.
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX the customer service rep and XXXX the supervisor spoke with me and both were very rude and they keep calling me for something that is not my account and they have threatened me and continue to harass me at work even though I've asked them to stop calling me on my cell phone while I'm working which has not stopped yet. I've asked them to verify the account and I was told if they have my birthday then its me. Wow, they do no verification to verify if this is actually my bill they just keep calling and harassing me. I am being called at least five times a day. The number they keep calling from is ( XXXX ) XXXX. Hep to end these threats and harassment. Thank you,
|
| 08/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, This collection was a result of a visit to an XXXX for my first child. I never even got to see the doctor and was in his office for less than 15 minutes.
Back in XX/XX/2015, I went to a XXXX check up and he was not in the office. The nurses wanted to perform XXXX but I declined and left the office. After this I received a bill of about {$570.00}. I called my insurance company and mentioned that it was very unfair for the doctor to charge this.
Then I got the bill myself. The bill was sent to collection which I paid. Unfortunately the collection company reported me. Can you please assess this case and reconsider this negative hit.
Thank you so much!
|
| 07/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to XXXX and Nationwide Recovery to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XXXX shows that XXXX and XXXX did eliminate reportings for both of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.
|
| 02/06/2017 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I was not aware of a pending payment amounting {$260.00} as a medical bill as, my address changed and I did not receive any communication from the agency 'Nationwide Recovery Service '. It showed up on my annual credit report. I called and paid it through my debit card asap on XX/XX/2017 and all I asked for a payment confirmation or receipt of the payment. I was told that full letter will be mailed to my address in 10 business days. I requested an email confirmation sooner than 10 business days as I am traveling abroad before that.
I was made fun of and laughed at by XXXX. I felt like she was rude and insensitive. Hence, I asked to speak with a manager.
|
| 07/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor.
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account.
Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2019 Nationwide Recovery Services from the original creditor XXXX XXXX XXXX per XXXX XXXX added a derogatory mark on my credit report. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also there was no form of written communication, contract, signature, for this accused debt at all. A bill without a signature does not validate the debt, and anyone could send a bill and say its mine. According to FCRA the above collection agency has violated my rights as a consumer and I am requesting legal action to remove this from my account immediately.
|
| 04/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX XXXX, MI. I never received a bill from them. On XX/XX/XXXX. I rceived a bill for {$180.00}, oo from XXXX. I sent XXXX and XXXX a letter invoking the FCRA. hey did not comply within 30 days and so pursuant o the FCRA there i no debt and I deny that tre was evr one.
Nationwide recovery service wrote trying to collec {$180.00}. I wrote them to comply eithh FCRA and h comply withe the Fair Debt Cullction Practices Act On XXXX XXXX they posted a derogatory commeny with The credit aggencies andmy cred yport dropped 33 pointsNationwide acount # XXXX Creditor account XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
|
| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt has been paid on time since XXXX of XXXX. It has been turned over to several collection agencies and removed on several occasions from my credit reports.
The original creditor has also recently tendered a payment, a check in agreement to cease ALL reporting. However, the collection agency is still reporting this as a collection to the credit reporting agencies. Their reporting has been removed twice in the last few months. I would also like to know how I can legally take action against the collection agency. I have attached 1 example of where this collection was deleted XX/XX/XXXX. It was deleted from all 3 credit bureaus!
|
| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX XXXX XXXX prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
|
| 03/24/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.
|
| 09/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.
|
| 05/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 04/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to Nation Recovery 1. Validation of the debt is the acutal accounting 2. Verfification of a signed invoice 3. A copy of the contract binding both parties ( Me and them ) in a letter by a certified mail so that there is an independent witness to it having been delivered.
However According to 15USC 1692e, 15 USC 1692d and 15 USC 1692B Not use any language or symbol on any envelope or in the contents of any communications effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communications relates to the collection of a debt.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 03/20/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.
|
| 10/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.
|
| 10/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2018, I received an alert that a collection from XXXX XXXX XXXX placed a collection on my account. I was not given the right to dispute alleged debt and was not properly notified of any debt before it was placed on my credit report. this appears to be a medical debt and is a violation of my HIPPA right because I did not give XXXX XXXX systems access to my medical accounts.
This account needs to be taken off my credit report immediately and XXXX needs to give me validation that this debt is mine meaning a signed contract I have with XXXX stating I utilized their services.
|
| 08/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
|
| 07/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Again, this is my 26th attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement.
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in Washington State by XX/XX/XXXX, when they filed a civil action against myself?
XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in Washington State.
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?
|
| 07/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
On XX/XX/18, XXXX XXXX XXXX reported alleged debt for alleged medical services, which adversely affected my credit. XXXX XXXX XXXX failed to ever provide notice of any debt, identify any debt, attempt to contact me to discuss alleged debt, and may have acted fraudulently in reporting the alleged collections efforts. XXXX XXXX XXXX is unresponsive to my efforts to correct their error. As the result of XXXX XXXX XXXX ' intentional misrepresentation and/or egregious negligence, my credit score has been negatively affected. I would like the error corrected immediately.
|
| 07/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 04/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/2022 NATIONWIDE RECOVERY has placed a medical collection on my consumer report without my consent. I have not receive information that I could have disputed this debt. I saw it on my credit report and asked for validation and they have not provided the information requested. They have also refused to send letter of HIPPA release of my information which is against the law. I have not received any validation from National recovery. They have violated my consumer rights.
|
| 11/16/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent.
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2017 Nationwide Recovery Services placed an account for the amount of {$66.00} on my credit report in violation of the Fair Credit Reporting Act. Nationwide Recovery Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Nationwide Recovery Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
|
| 01/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.
|
| 10/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had incurred a debt after a visit to the ER. I was unable to pay the debt for quite some time as I was a college student making very little money. After I saved up I made a payment arrangement in regards to this debt and made a total of 3 payments before not being able to continue payments. I made a payment of {$50.00} on XX/XX/2015, {$100.00} on XX/XX/2015, and {$100.00} on XX/XX/2015. I called 2 years later to settle this debt and found out that the amount paid had not been included in the total balance.
|
| 12/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have health insurance and my insurance paid for the service and now the hospital is trying to charge me. They keep calling and I ca n't pay them because they charged my insurance already and I have a copy of the statement that they sent where it says " this is not a BILL '' and it explains all the covered things that the insurance already paid. I only paid {$1.00} to see the doctor since that 's the copayment of my health insurance which is XXXX The insurance policy number is XXXX and my member ID is XXXX.
|
| 08/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid multiple payments to XXXX, XXXX, and XXXX to the agency. Now they have sent me yet another collections notice and call to harrass me multiple times per day, refuse to listen that I do n't owe anything else. I have a message on my phone from the billing office at XXXX, stating I have paid everything. I also have front and back photos of cashed checks for the same bills multiple times.
I only was allowed XXXX photos. I have at least XXXX that can show the bad business practices of both companies.
|
| 09/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Received a call from someone claiming to be a collection agency. Phone number XXXX XXXX. They claimed I owed {$130.00} to XXXX XXXX XXXX. They had the correct spelling of my name and my address. They even had the correct dates I was in XXXX XXXX. Instead of paying them directly I contacted the XXXX XXXX. They informed me I owed no money as insurance had covered the treatment entirely. Obviously this was a scam call. The scary part is with the details they had somehow they had hacked into my medical records.
|
| 06/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 10/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| 10/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
|
| 07/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Whom maybe concern I'm having problems With a dishonest company. Nationwide Recovery Service. I feel like I was the force to do Business with them. They never let me know about the contract law. That I was in the right not to business with this company. Now they put a debt collector on My credit report. I never sign a kind of release form with the company. I want to remove the company from all three credit bureaus of my credit reportthe reason for misleading and extortion money from me.
|
| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was from a workers compensation injury claim for physical therapy that was paid by my personal health insurance by mistake. My health insurance company refused liability for debt and reversed the payment. I have notified workers compensation insurance company ( XXXX ) and sent them the bill for the debt. Ive done all I can do to resolve this issue. The collection remains on my credit report and is hurting my near perfect credit score that I have worked so very hard to obtain.
|
| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/2020 An debt validation letter was sent to Nationwide Recovery Services that is reporting a debt to the credit bureau. Nationwide Recovery Services did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that Nationwide Recovery Services did not verify the debt they say I OWE THEM
|
| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
|
| 01/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX XXXX need to investigate this company too ...
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.
|
| 06/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Nationwide Recovery Serv XXXX XXXX XXXX XXXX for {$110.00} Sold this alleged debt opened XX/XX/2021 which is a Violation of HIPPA Laws.
In accordance with the Fair Credit Reporting Act XXXX Nationwide Recovery Serv XXXX XXXX XXXX XXXX has violated my rights.
XXXX5USC 1681 section 602 states I have the right to privacy.
15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
|
| 11/30/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I mailed in certified letters for the credits & collection company to validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.
|
| 12/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
|
| 12/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
|
| 11/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I'm being charged a debt of over {$2000.00} to a hospital that filed for bankruptcy shortly after I visited it back in XXXX and now it shows a debt opened in XX/XX/XXXX and i didnt even go to the hospital then because it was closed and working on getting a new owner/company to take over. I never received anything in the mail that I even owed anything to this hospital before it closed. Then all of a sudden I check my credit report and boom its on there!
|
| 06/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
|
| 04/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.
|
| 09/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!
|
| 01/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$150.00}
|
| 04/02/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.
|
| 10/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
|
| 08/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
NRS has continued to attempt to collect a debt from me thats not mines, I never established a contract with NRS and they are stalling in removing the negative reporting items from my credit reports and they are in complete violation of the FCRA law and my name is being slandered. The are also violating the stature of limitation law in which the debt is not collectable. Account numbers # XXXX # XXXX # XXXX # XXXX, and # XXXX
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nationwide Recovery Services has placed a collection on my credit profiles claiming that I owe {$330.00} to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Nationwide Recovery cals my cell phone MULTIPLE times a day. Each time they call I explain that I am not able to pay the debt right now, and ask them to please stop calling as they are interrupting my day at work or with family, and causing me undue stress. They are relentless. They literally call me close to 10 times a day, every day, including weekends. This has been going on steady for the past 2 years.
|
| 10/05/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.
|
| 03/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me.
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance
|
| 08/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I looked up this number. It is a scam! XXXX Nationwide Recovery Service.
I DO NOT OWE ANY DEBT!!
I did not answer, the caller left a 36-second voicemail claiming to be " Nationwide Recovery Service, a debt collection agency attempting to recover a debt and directing the recipient to call the above number. This is an attempt to collect a debt ... this is not a sales or telemarketing call..etc.
|
| 07/04/2022 |
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 |
|
|
I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy.
15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
|
| 11/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.
|
| 02/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
|
| 06/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
|
| 06/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.
|
| 05/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with XXXX and never received a response. I calle d Nationwide Recovery Service at ( XXXX XXXX XXXX they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.
|
| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : current creditor XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Current Creditor XXXX XX/XX/XXXX I advised all creditors that I had medical coverage and there should be no bill or debit I went over it with Medicaid and told them that they were advised to contact Medicaid and it would be paid.
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/23 I left a voicemail requesting that the company verify their name, address, and professional license number before proceeding to discuss a debt.
The representative who called me back falsely alleged I owed over $ XXXX and refused to provide a professional license number with which I could verify their legal standing to collect debt in North Carolina.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent a letter on XX/XX/2021 explaining that there were some incorrect information on my XXXX credit report from Nationwide XXXX in the amount of {$1300.00}. I asked for the items to be removed. I then sent another letter on XX/XX/2021 asking again for the items to be removed. I have not received any response from XXXX regarding either of these letters.
|
| 08/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Original debt with the Hospital ( XXXX XXXX XXXX XXXX, XXXX, Ga ) is being paid bi-weekly since services were rendered in 2016. Documentation such as bank statements ... have been provided to National Recovery Services and 1 additional company trying to collect and the original debtor. This information was provided almost 2 1/2 years ago to these three.
|
| 03/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 05/28/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX ACCOUNT XXXX $ XXXX $ XXXX {$420.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 08/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I so not have a contract with this company not do I have knowledge of why they are trying to collect from me. If this is a medical debt I have not received written notice of this debt nor have I had the chance to dispute this validity of this debt. Therefore, it should be removed from all 3 credit bureaus where this debt is being reported.
|
| 09/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Just looked at my report and see this account I there never had a right to dispute letter and never was notified of the debit in question I did have uscell but it did n't work in my area so I cancelled itunder fair credit report act I must have right to dispute letter before posted on my report this had broken the fair credit act
|
| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$290.00} XX/XX/2021.. THESE COLLECTIONS HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.
|
| 12/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$330.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
|
| 12/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$810.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
|
| 01/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There was no notification from Nationwide to collect debt and they posted a derogatory medical collection remark on my credit report in XXXX.
Additionally, I have not provided my social security number to any company since the past 4 years.
The collection is in violation of Fair Debt Collection Practices Act.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have XXXX. I live in New Jersey I also have XXXX A, B. All my bills are covered it is illegal in nj to balance bill a XXXX recipient I explained this numerous times over the years to the biller. They have my insurance information. They removed the bill from my experience then added it to my transition file.!
|
| 07/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX WAS WELL AWARE THATXXXX WAS PART OF FTC I.D . THEFT REPORT. THEY PROCEEDED TO SUBMIT THIS CHARGED OFF ACCOUNT IN 2008. THEY SENT TO XXXX COLLECTION AGENCIES WHICH DESTROYED MY CREDIT AND ENDED UP PAYING AMO RECOVERIES IN ERROR OVER {$1200.00} IN ERROR, IN VIOLATION OF FTC, FCRA, FDCPA AND TCPA SO ON!
|
| 04/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company never contacted me, or wrote me a letter, they opened a derogatory remark on my credit report using dates that are not possibly accurate. It is collection over a hospital bill and I have not been to the hospital in over 3 years yet they list a date this month, that is re-aging and illegal.
|
| 05/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/2019 I sent letters to resolve an issue of debt with XXXX XXXX XXXX. On XX/XX/2019 they sent me a letter stating that the accounts were closed in there system and they requested it to be deleted with the credit bureaus. Currently XX/XX/2019 the accounts remain on all three report bureaus.
|
| 02/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notice or collection in the mail about a debt I totally have no clue about the date has XXXX XXXX, 2019 on it, the amount is {$1200.00} I attempted to settle the debt by I not sure what I'm being charged for and I have 13 negative inquiries on my credit report from the same company..
|
| 04/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.
|
| 12/19/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK
|
| 04/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.
|
| 06/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've been trying to get my credit score fixed, and all of a sudden this collection company added 4 collections to my credit report like if I owe them money, I have never heard about them or a debt related to them, I was never notified and I've definitely never heard about them.
|
| 01/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$190.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
|
| 01/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$800.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not have a debt with this company.
I have not received anything showing me that this is my debt.
I have not signed any contract with XXXX XXXX XXXX nor do i have any records that I owe this company any money.
This item needs to be removed from my credit report.
|
| 09/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.
|
| 08/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.
|
| 01/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.
|
| 07/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Nationwide Recovery Services has attempted to collect a debt I do n't owe them. I never establish a contract with this company and they reported negative items onto my credit reports for XXXX accounts # XXXX # XXXX # XXXX which is in violation of the FCRA.
|
| 03/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I do not recognize an account with this company. I have not receive written notice about this debt or had a chance to dispute the validity of this debt. Once I have received notice i can do my research and if it is valid i will settle with the creditor.
|
| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XXXX XXXX XXXX is a corrupt collection agency. They reported a claim that was billed by a doctor with errors in 2015. They refuse to refill or erase. They're rude and crooks. Amount is not owed. They are collecting to collect without proof of ownership.
|
| 07/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was informed by XXXX XXXX XXXX XXXX XXXX that an outstanding debt was collected on behalf of Nationwide Recovery Service , Inc . I have not received any form of communication from this company regarding the debt or my options to dispute the debt.
|
| 10/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA
|
| 11/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.
|
| 09/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am not responsible for this debt. I have never received any correspondence in regards to this debt and I need it removed from credit report because it is negatively affecting my credit score. This needs to be removed from my credit file.
|
| 08/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have called NATIONWIDE RECOVERY SERVICE several time to get the company to send out verification of this debt opened on XX/XX/2014 in the amount of {$170.00}. I spoke to several people and they refuse to send out any verification to me.
|
| 07/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Nationwide Recovery SV has 2 Medical bills listed on my credit report that do not belong to me.
Enclosed are 2 attachments with the erroneous account information. As well as a copy of my complaint that I sent to Nationwide Recovery Sv.
|
| 11/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Looking to repair my credit and looked on my credit report and saw this collection agency. I'm unaware of any dept owed, what it's for. Haven't received any notices, copies of original contracts, validation of dept or signatures.
|
| 08/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Nationwide Recovery Services - XXXX XXXX XXXX The account was paid by medical insurance XXXX XXXX in conjunction with XXXX. I never received any type of bill and the insurance coverage that I had at the time covered all charges.
|
| 06/27/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.
|
| 04/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never received any written notification about this debt. This should not be on my credit report because I have not have not had a chance to validate the debt. This item needs to be removed from all three credit bureaus.
|
| 07/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt amount from Nationwide Recovery Services in the amount of & XXXX was paid in full on XX/XX/2019 and was said to be cleared off credit by XX/XX/2019 but is still listed as a derogatory mark on my credit as of XX/XX/2019.
|
| 05/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote a validation letter to this company to validate that the debt is rightfully belonging to me.
I have not received anything validating that this debt is correctly mines. I have tried to dispute and I can not dispute.
|
| 08/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!
|
| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have called and stated that they are charging me a duplicate amount and that I have already paid this amount. the account listed two of the same dated times and services and the same charges .This is a duplicate charge.
|
| 05/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE. THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW. REMOVE DEBT / COLLECTION IMMEDIATELY.
|
| 10/25/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint in reference to the Nationwide recovery services. They have been listed on my consumer report fraudulently. I have never received any agreements or documents verifying these accounts belong to me.
|
| 05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
|
| 06/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A debt sent to collections that belongs to my father is being inaccurately reported as my own. My father and I have the same name and address. They are constantly reporting the debt as mine and ruining my credit.
|
| 12/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.
|
| 07/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.
|
| 04/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.
|
| 05/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Pursuant to 15 USC 1692 I am requesting validation for the following accounts with Nationwide Recovery sv : 1. # XXXX {$1600.00} 2. # XXXX {$1100.00} 3. # XXXX {$390.00} 4. # XXXX {$750.00}
|
| 02/17/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have continually called and disputed this item with the credit bureau.
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.
|
| 10/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nationwide Recovery is changing me for an account that does not belong to me. I have asked them several times for proof that the account belongs to me and they have yet to provide it.
|
| 03/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.
|
| 10/21/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I just learned of this collection through XXXX XXXX and not from the collectors themselves. I had no clue that these accounts were in collections and have been placed in this manner.
|
| 11/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything
|
| 10/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
nationwide Recovery services was removed from my XXXX report because i disputed it now they have added XXXX accounts back on my report which were the same ones i disputed.
|
| 07/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Nationwide Recovery Service has constantly called my phone every single day using different numbers for the past few months. I do not have any debts or owe anyone money.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
|
| 06/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have health insurance, how can I owe this amount?
XXXX XXXX XXXX Opened XX/XX/XXXX {$65000.00} Original creditor : XXXX XXXX XXXX I was hospitalized XX/XX/XXXX
|
| 05/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid all of my debts on XX/XX/2020 and sent receipts of my debt paid and as of today-the collection agency reported on my credit report that I haven't paid it.
|
| 08/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Nationwide recovery service keep calling my phone threaten to file legal suit against me and damage my credit they keep daily calling me from different numbers
|
| 01/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results!
|
| 07/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I dispute all those bills because I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX.
PLEASE REMOVE MY NAME FROM COLLECTION AGENCIES. THANKS!
XXXX XXXX.
|
| 07/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've done online disputes. I've also mailed letters to XXXX, XXXX and Nationwide Recovery Service. About a XXXX $ negative item on my credit reports.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Nationwide Recovery has ceased collection on XXXX XXXX account for XXXX. XXXX has not deleted it but it's been deleted from my XXXX credit report.
|
| 03/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also
|
| 10/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Nationwide ceased collection on the account for XXXX XXXX but it still remains on my XXXX credit report. The amount is XXXX.
|
| 02/23/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.
|
| 05/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I soon started to monitor my score and this account came to my attention. I have not used any of this medical services.
|
| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX refuses to remove a mark on my credit that was paid and I have disputed it and they won't remove it.
|
| 04/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I already paid my bill and I couldnt see what I owed and my balance is XXXX at this timex Please check it again.
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
XXXX XXXX {$1200.00} XXXX XXXX {$1400.00} I called the insurance company and the hospital about these bills
|
| 06/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was closed on 2013 but it was re-open fir no reason by, debt collector stated it was an error
|
| 04/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have no idea what this collection notice is about, nor do I have any clue where it came from.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this account, and is going to be in litigation.
PLEASE REMOVE ASAP
|
| 01/15/2018 |
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 |
|
|
This charge was supposed to be paid through insurance company but was not.
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this information, nor did I consent to any of it
|
| 04/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It was yall job to call XXXX and yall didnt .legnagets on yall part.
|
| 05/06/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Phone calls from this company more than five times a day, everyday.
|
| 12/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company XXXX XXXX XXXX is not licensed in the XXXX of Florida.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
fraud account trying to make me pay for accounts that is not mine
|
| 12/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They put false charges on the account and it doesn't belong to me
|
| 11/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt appeared in my Credit Report and it is not owed by me.
|
| 10/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company failed to verify or notify of debt
|
| 09/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 06/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2021 |
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 |
|
|
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/17/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/17/2021 |
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
|
|
Web |
|
|
|
| 09/17/2021 |
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
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/27/2021 |
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 |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2021 |
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 |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2021 |
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 |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2021 |
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
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2021 |
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 |
|
|
|
| 01/26/2021 |
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 |
|
|
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 06/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 12/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 05/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 05/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 03/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 03/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 02/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 01/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 01/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Postal mail |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/25/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 02/19/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/19/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/06/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/02/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/11/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
|
|
| 06/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 06/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 05/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 05/07/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
|
| 04/19/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/03/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/01/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/30/2015 |
Yes |
|
- Incorrect information on credit report
- Public record
|
|
Web |
|
|
|
| 09/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/07/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 08/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 07/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/30/2015 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 05/27/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/13/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/10/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 04/24/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 01/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/09/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 11/03/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 11/01/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 10/20/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Postal mail |
|
|
|
| 10/01/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 08/02/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/18/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 06/10/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/04/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
|
| 04/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
|
|
|
| 02/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/18/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/14/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/03/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/27/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 11/27/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/30/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/05/2013 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 08/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 07/29/2013 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|