Atlantic Credit & Finance, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38135
 Web
On XX/XX/XXXX, there was a judgement filed against me by Atlantic Credit and Finance supposedly on behalf of XXXX XXXX XXXX. Prior to being subpoenaed to court, I had never received any correspondence in the mail pertaining to this company. There was a default judgement that was entered due to the fact I did not appear in court because I was healing from a major XXXX XXXX and was not able to get around on my own nor drive. In XXXX or XXXX of XXXX I was subpoenaed back to court on the same matter. The attorney from XXXX, XXXX, XXXX & XXXX representing Atlantic Credit and Finance requested to speak some of the plaintiffs, including myself after court on individual matters when our names were called during court. When it came time for me to speak to the attorney, I informed him I needed to see documentation, which included account number and how they came to the amount that I supposedly owed because my information did not match what they had. The attorney told me that they probably could not provide me with that information and just to send them what I had ''. Fast forward to XXXX I was subpoenaed back to court on the same judgment that I refused to pay and provide any financial information because the Attorneys office nor their client Atlantic Credit and Finance could not provide me with any documentation, however the judged threatened me and I was bullied into paying them. When I called Atlantic Credit and Finance they finally provided me with account # XXXX********** I informed them I had never seen this account number before and they me told it was the credit card number from my account Red Flag!!! I never had a credit card with XXXX XXXX XXXX. The representative of Atlantic Credit and Finance abruptly ended the call and advised me to contact the attorney representing them. XXXX of XXXX, I received a paid in full letter from XXXX XXXX XXXX on an account, which I had been paying through the court to XXXX XXXX XXXX through another attorneys office. Not only did I receive a paid in full letter, I received two checks for over-payment. When I contacted the law office of XXXX, XXXX, XXXX & XXXX I spoke with XXXX who requested that I send the information to them. She suggested that if the account numbers did not match I would still have to pay. I informed her the account numbers were not going to match because their information was not accurate. I sent the letter in XXXX of XXXX and I did not hear from the Attorneys office again until I receive a voicemail from XXXX on XX/XX/XXXX. XXXX called and claimed they never received anything so I re-faxed the letter on XX/XX/XXXX and made sure to call them back to make sure they received it. Upon speaking with XXXX again, she told me what I already knew, that the account numbers did not match. She then went on to state that the account number was the credit card number from XXXX MAJOR RED FLAG!!!! I HAVE NEVER HAD A CREDIT CARD WITH XXXX and I HAVE NEVER DONE ANY TYPE OF BUSINESS WITH XXXX. She then stated that XXXX was bought by XXXX XXXX, yet again Ive never done business with XXXX and never had a credit card with them. On XX/XX/XXXX, I contacted XXXX XXXX XXXX litigation department and spoke with XXXX. I informed her of the entire situation I had been having with Atlantic Credit and Finance and their attorney. First, she stated she had never heard of Atlantic Credit and Finance. Secondly, XXXX stated their attorneys that work on behalf of XXXX XXXX XXXX are always able to provide loan origination documentation when requested. I gave her the account number which was provided by Atlantic Credit and Finance and their attorney, she then stated that they had a similar account number but it was NOT the same. She also stated the only accounts I had with them were loan accounts. I told her I had previously made payments through the court totaling around $ XXXX {$700.00} to the attorney, XXXX , XXXX , XXXX & XXXX . XXXX stated that they had not receive any payments from this company. She also stated, which I already knew, the only accounts I had with XXXX XXXX XXXX were loan accounts. After a 30-minute phone call and further investigation, XXXX stated they, XXXX XXXX XXXX, had not sold any account I had with XXXX XXXX XXXX to Atlantic Credit and Finance and they did not have this company on any paperwork. She advised me to call the attorneys office and have them to conference call their contact at XXXX XXXX XXXX and if that doesnt work I may need to contact an attorney to represent me on the matter because it sounds like possible fraud going on with this company Atlantic Credit and Finance.
03/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63090
 Web
I first received a phone call from " XXXX '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The XXXX phone call attempt from AC & F I was not available to come to the phone, XXXX told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. XXXX called back a few hours later, at this time I answered the phone. Our conversation began with XXXX telling me that I owed money for a past debt in the amount of over {$3000.00} from the company " XXXX ''. I responded quickly telling him I have never owned or been billed for a " XXXX '' credit card and therefore he had to have had the wrong person. That is when he began asking me personal financial information about myself just to " check '' if he had the right person. He asked me what my address was, what my social security number was, banking information, etc. I refused to answer these questions and told him that if he is trying to collect a past debt from me HE SHOULD HAVE THAT INFORMATION in front of him. He assured me that he did indeed have all of my personal information in front of him and that he was just asking so that he could verify this information. I than asked him to please read to me the, address, social security number, and name of the banking institution he had on file for me, he only gave a false S.S. number before I stopped him and told him once again that HE HAD THE WRONG PERSON. After about a half hour of XXXX trying to " trick '' information out of me I finally got him to agree that he had the wrong person, he apologized for the inconvenience and we hung up the phone. The next day my company received another phone call from XXXX again. He began the conversation this time the exact way he began it the day before as if we had'nt even spoken with each other before. When I reminded him that he had called me yesterday and I thought that we have resolved the issue, he just ignored me and kept going on with his interrogation for my personal information. This time I told him to please verify where I applied for this " XXXX '' card, where I made the so called purchases, what address and name was " XXXX '' sending statements to, in regards to this account. He tried avoiding the questions and it seemed to me that he would pause, as if he was being fed information to repeat back to me. I told him to send me as much information as he had on this account so that I could look into it myself. He told me he could not send any of the information. I told XXXX that I needed to look into this issue more and asked him for his phone number so that I could call him back once I found out more about this issue. Once I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years.
01/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • 630XX
 Web
I am in the process of filing chapter XXXX bankruptcy. I have been contacting all of my creditors in order to fill out a packet given to me by an attorney 's office. I have not retained this attorney yet because the information needs to be filled out completely before I file. In attempting to gather information needed, such as balance due, account #, and mailing address for correspondence, I ran into an issue when I contacted Atlantic Credit & Finance, Incorporated. On the evening of XX/XX/18 at XXXX, I called to gather this needed information on several accounts that were placed with their agency. Initially, I spoke with XXXX who handles my accounts. I explained that I was filing bankruptcy and needed balances due, account numbers and mailing address for correspondence. Instead of her cooperating, she began asking me, in a very sarcastic tone, unnecessary personal questions, such as, " How did I get into such big debt? '' and " How does it make me feel? '' I started to oblige her questions, but told her it does not change my decision to file bankruptcy and asked her to please provide me with the information that I needed. She then transferred the call to her supervisor named XXXX ( spelling? ). She then started asking me the same questions in a sarcastic tone just as the previous collector did. Then she accused me of lying about the debts that I owed. For example, I am behind 3 months on my auto loan and she argued with me that it wasn't true, insinuating that I had money lying around somewhere. Again, I asked her nicely to please just provide me with the information so that I can turn in my paperwork to file. She then began to ask me personal questions like the previous girl in a very demeaning and sarcastic manner, asking me " How does it make me feel to be in so much debt? '' I had enough of the psychological interrogation by this point. I asked again to please just provide me with the information that I need to file and she REFUSED to help me. Instead, she kept asking me over and over and over and over and over again, the same question and I began to cry, had an XXXX XXXX and told her I had XXXX XXXX because she was harassing me. I was being oppressed. She intentionally caused me to have XXXX and I begged her to stop. I stayed professional throughout this while grueling experience. Her exact words were, " I'll give you the information you need once you answer my questions. '' I eventually told her that I was disconnecting the call and did so. I then sent an email to the corporate office that same evening and copied the compliance officer. I requested a call back and received no call. The following week, I sent a formal complaint to their office from their website. I still have not received a phone call back. Their email address is XXXX and the compliance officer is XXXX. I do know some about the FDCPA and know that a collector should not intentionally cause harm and anxiety to a debtor. This was intentional. Asking the same inappropriate question over and over again- many times-and continuing to do so even after they were told they were causing me unneeded stress.
09/11/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92260
 Web Older American, Servicemember
I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. Said my credit would get a negative report if I did n't pay electronically. XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.
08/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AR
  • 718XX
 Web
I had a credit card through commenity bank. XXXXXXXX XXXX was in the process of selling the accounts to XXXX XXXX. In that process I got behind on payments but never received anything in the mail from XXXX XXXX about this account. To my knowledge, once the account was with XXXX XXXX I did not receive any calls about my account. Around the beginning of XX/XX/XXXX, Atlantic Credit and Finance contacted my husband, who is not an authorized user on this account and is not listed on the account at all. He spoke with a woman named XXXX who worked at Atlantic Credit and Finance. She made him aware that my account was past due and they were attempting to collect a debt. My husband is a XXXX XXXX and due to the many scams going on would never give personal information or bank information without knowing the company and call is legitimate. They attempted to ask my husband for my date of birth, social security number, and other personal information. He, of course, would not give them this information. He asked them if this was legitimate then they should have the information. XXXX then proceeded to give him my social security number, date of birth, current address and other personal information. He did set up a payment plan to pay my debt. I never received notice of the payment plan. He received through the mail statements letting him know the amount was deducted. Nothing ever came in my name. He told me about this information, and at the time I was going through some health and emotional issues and did not have the time or energy to deal with it. Not only that, since it was now in his name, I did not know who to contact to deal with the issue. The end of XXXX, XXXX, my husband 's debit card expired, which was their form of payment. They sent a letter to my husband through USPS stating the payment would not go through. So, I called them to set up a new payment. While I was on the phone with a woman named XXXX who works for Atlantic Credit and Finance, I told her of the incident of XXXX from Atlantic Credit and Finance giving my social security number over the phone to my husband, and how I did not think that was legal. She repeatedly told me it was legal. I asked several times for her to provide documentation showing it is legal. She said she could not do that because she does not have that documentation. I did set up a payment plan to pay my debt, but I do want this company in some way reprimanded for this action. They could have been giving my information to any person. I originally filed a complaint with the Federal Trade Commission on XX/XX/XXXX and when I called to get an update on the status of the complaint was told to contact the Consumer Financial Protection Bureau.
05/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 17109
 Web
On XX/XX/XXXX I was contacted by XXXX, last name unknown. She started by saying this call is being recorded. She told me that I owed a debt to XXXX XXXX. I told her, yes I do. I told her that I was at work and could she call me after XXXX. She would not get off the phone. Finally she said for me to call her when I get a break. I called her around XXXX, the call went to voice mail. I left a message. On XX/XX/XXXX I receive a call from XXXX, who started the call by saying she is recording this. She preceded ask me what happened, why did I fall behind. I explained to her that the payments we to high for me to handle and I fall behind. She proceeded to say, well I need to know what happened, I know that you are a proud person, and I really need to know what happened. I explained to her that I had XXXX on my XXXX and that my insurance didn't cover {$5000.00} of it. They payments were to high for me to handle and that I was falling behind with all my bills. I told her that I contacted a debt consolidator to help me with my credit. I told her what he wanted me to pay {$450.00} every 2 weeks, and that I couldn't afford that. So I contact my creditors on my own and was making arrangement to pay them off 1 by 1. She said well you never called XXXX XXXX. I told her I was going to call them because I know I owe them. I told her I would like to make arrangements to pay this debt back. She started asking me, questions like what happened, I see you paid so much and you stopped in XX/XX/XXXX. I told had fall behind because the payments were to high but I am willing to work something out to pay this. She said that she needed to know why I let it go. She said that I was to proud to tell her what really happened. I said to her what do you mean. You can tell me what is really going on. She says so you had XXXX XXXX and the payments were to high. Yes. I said that is what I said. Really XXXX you can tell me what really happened. I said to her, I am sorry, what do you want me to say. I know you are a proud person, just tell me the truth. I said to her are you trying to collect a debt or are you a councilor. She says just tell me the truth. I told her that the call was now ended and I hung up on her. She gave me know account number. She was very rude and to me she wanted me to get angry. She kept saying I know you are frustrated. No. I said to her. I am trying to work something out with you. But she didn't want to hear that nor did she seem to want to work anything out.
08/25/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91789
 Web
I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.
09/27/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • IL
  • 60443
 Web
To whom it may concern, on multiple occasions I have been contacted by both Atlantic Credit & Finance Special Finance Unit, LLC ( ACFSF ) as well as their counter partners XXXX XXXX XXXX, XXXX. ( XXXX ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). When I was first contacted by ACFSF, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from ACFSF, had shared with me. Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for ACFSF asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with ACFSF transpire within the first two weeks of being contacted by their office. To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by ACFSF, along with their counter partners XXXX, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of ACFSF. The judgment has now provided both ACFSF and XXXX, the ability to garnish my pay checks as a result this phantom debt created by ACFSF and enforced with XXXX. Im seeking assistance from the CFPB, to place an inquiry into both ACFSF and XXXX actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. I implore your office to take immediate action in this matter!
04/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95823
 Web
Hello, I would like to complain about the debt collection from the agency XXXX XXXX XXXX. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XXXX, XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, Atlantic Credit & Finance Incorporated contacted me in XXXX, XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments on XXXX of XXXX for about {$9800.00}. I have called and spoken to people from XXXX XXXX and Atlantic Credit. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XXXX, XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX in XXXX, XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time
09/21/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 64138
 Web
On XX/XX/XXXX, we went to court as the company who purchased my debt ( Atlantic Credit ) obtained legal respresentation ( XXXX XXXX XXXX ). I, did not have an attorney representing me. The attorney for XXXX XXXX XXXX had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The XXXX XXXX XXXX attorney stated the the debt was valid because I signed for the credit card. In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. My wage garnishment were 25 % for the total {$1900.00}. On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called XXXX XXXX XXXX they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
08/14/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • WI
  • 539XX
 Web
Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ : XXXX XXXX XXXX . Why did it take so long to pay your bill? What did you do with your income and monthly income? o What bills are a priority in your household? Why did you neglect your XXXX XXXX card statement? Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? Do you have health issues? Employment hours reduced beyond your control? I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. Why did it take so long to pay your bill? What did you do with your income and monthly income? What bills are a priority in your household? Why did you neglect your XXXX XXXX card statement? Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? Do you have health issues? Employment hours reduced beyond your control? I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.
08/10/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20772
 Web
I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.
07/18/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95608
 Web
XXXX was my original creditor. Due to financial distress, I could not make payments as agreed, and the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I spoke with a representative about my account XX/XX/XXXX, and we had agreed to cut the balance in half ( original {$3600.00} down to {$1800.00} ) and to set up a biweekly payment plan of {$35.00} to be settled in full by XX/XX/XXXX. I see that every 2 weeks, payments are still being deducted. When I call they claim an amendment never existed, and do not see a record of the call. I was told the balance owed is still {$2100.00}, and not the {$350.00} I had assumed I had agreed to. I spoke with XXXX ( ext XXXX ) on XX/XX/XXXX, who was really kind, and said she'd review recorded calls for the dates I specified ( XX/XX/XXXX to XX/XX/XXXX ). She said I should hear back within an hour, but I do not understand why a record of my call and the contents do not exist. I am asking that ACF mark the account as settled in full, as agreed, and cease and desist taking any additional payments via ACH or EFT or otherwise debiting my account. I have also not been receiving any printed or emailed statements regarding my account, which I believe is a violation of FDCPA. I had sent a letter in XX/XX/XXXX about my change of address, but I never heard back. I am upset because I agreed to pay and feel hoodwinked that they never notated my account.
09/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06489
 Web
I started receiving calls on XX/XX/XXXX from a restricted number or XXXX. From XX/XX/XXXX they have called me XXXX times from the same numbers. Sometimes multiple times in XXXX day. They have also been contacting my husband on his cell as well. This debt has no ties to him and on XX/XX/XXXX when they called for thr XXXX time i told them they are not to try to contact me on his number. I did talk to them on XX/XX/XXXX and agreed to male arrangements with them but kindly asked them to call me back because i was driving and trying to drop my XXXX off at XXXX. They proceeded to keep me on the phone for XXXX minutes trying to " console '' me with XXXX XXXX and XXXX psychology. I asked them to send me a statement so i could send them monthly payments. I got irritated and hung up on them. On XX/XX/XXXX they called again and I answerd to let them know I received the statement and that I would be sending monthly payments. The XXXX girl " XXXX '' stated that was only if i was paying the entire balance. I repeated to her what my intentions were then she handed the phone to " XXXX '' where he started with his XXXX XXXX and XXXX psychology again. I explained that I did not feel comfortable giving my account info and that I would be sending checks. This conversation went on for XXXX minutes. They were very condescending and refuse to hang up after I told them I was going to send monthly checks.
06/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33176
 Web
There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to.

That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL.

They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing.

The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.

08/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • SC
  • 297XX
 Web
This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for XXXX. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do n't have money in there. I keep on telling them that we needed to wait on my wife because I just have a card to show at the bank when I did work to get my check cashed. I do not have a bank card or anything like that my wife has it all and it is all in her name. He even said that me and my wife can have the argument or fight but it was going to be settled today. I was on the phone with these people for about two hours and they say it was being recorded so lets hear if everything they said to me is on the recording. When I got off the phone with these people my chest was so tight. I do not handle to many of the bills my wife does. I keep on telling these people that I could not hear them good to just wait till my wife got home from work but they would not hear of it.
10/07/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 77033
 Web
I received a phone call at my place of employment on XXXX/XXXX/2016 at XXXX ( CST ) from XXXX Credit from phone number XXXX. The representative did not verify the identity of the person she wished to speak to nor did she provide the statement with regard to the attempt to collect a debt. She proceeded to tell me that I owed {$6000.00} and if they did not secure an arrangement it would be forwarded to an attorney. I informed her that I am absolutely not aware of the debt she is referring to and that if she though the debt is valid, they must provide a letter in writing to me advising me of the debt and that I have 30 days to dispute or confirm the validity of the debt. As the conversation proceeded, it turns out that she is looking for someone else that has the same first and last name as I do ; however, the middle name is different. Additionally, she provided the other person 's name, address and last XXXX digits of their SSN. Even after I told her that she has the wrong person, she asked to be transferred to my HR manager/department which I refused. This is unacceptable that that they would be contacting someone 's place of employment and also contacting the incorrect person and harrassing me at my job. This company also has several recent complaints at the following web link - XXXX
03/29/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 494XX
 Web
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.
10/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 38125
 Web
I was contacted by Atlantic Credit & Finance on today XX/XX/XXXX. The call was humiliating and harassing because the person I spoke with forced/coerced me to tell why I couldn't make the payment. He consistently asked about my personal life regarding why I couldn't make payments. I told him that I did not want to continue the conversation about my personal issues. I wanted to talk about rectifying the payment. He said he couldn't help me until I tell him the reason why I stop paying on the card. This went on for about 30 minutes. He put me on hold and then his manager got on the phone and said the exact same thing to me. I practically begged both of them to end the conversation because I was in tears. Both of them continue with no concern. I stayed on the phone with them for almost an hour and still no payment arrangement was made when the call ended. I felt ashamed that I had to disclose this information. The amount of the debt balance is {$1800.00}. I received communication via XXXX XXXX as well. The letter disclosed that I could mail payments. The rep told me that I could not mail the payment in unless I send them {$900.00}. The letter also states that I could make biweekly payments as low as {$25.00}. I was not offered this amount as an arrangement.
12/18/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • XXXXX
 Web
This is a complaint from XXXX XXXX against Atlantic Credit and Finance for Atlantics failure to provide requested information for the debt alleged. On XX/XX/18 Consumer received a demand letter from creditor, XXXX. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
01/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TN
  • 37013
 Web
I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.
10/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MA
  • 02038
 Web
Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX XXXX. XXXX. XXXX. I contacted XXXX and explained why I could not pay ... XXXX. XXXX The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. XXXX XXXX XXXX
04/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • HI
  • 96825
 Web
I received a copy of a judement from my escrow company that I didn't know about it was dated back in XXXX. Talked to a XXXX XXXX on XX/XX/XXXX regarding this judgment an my willingness to pay so I can move forward and have this cleared. He stated once they received payment he would issue a document of Statement and Release and have this recorded with your court system. I asked for a recordable document so my escrow company could have it recorded. Ref. # XXXX Judgement doc # XXXX. Amt of judgement is for {$1600.00}. A payment in the amt of {$1600.00} check # XXXX was paid to Atlantic Credit and Finance on XX/XX/XXXX. They received it on Monday XX/XX/XXXX as I had it certified and return receipt. The check cleared my bank on XX/XX/XXXX. I've since made several calls to Atlantic Credit and Finance only to be put on hold or transferred several times. I've called daily and when I did speak to XXXX XXXX said that he sees a payment was made but had to confer with their legal department and compare notes and on Monday XX/XX/XXXX I finally talked to XXXX XXXX who stated that my account was sold and he didn't know who cashed my check and that he was blocked from contacting or discussing further, said more money was owed.
08/28/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77346
 Web
Atlantic Credit and Finance Inc. called and spoke with me on Thursday, XX/XX/2018 regarding a debt I have. I did not deny having the debt but requested the amount of insterest and late fees that accumulated in order to help bring the debt down so I could pay it off. The four representatives I spoke with all refused to look up the interest and late fees and continuously ridiculed and belittled me over the phone. XXXX, XXXX, XXXX, and XXXX are the representatives i spoke with and hung up feeling embarrassed and frustrated that they were unwilling to help me as I was calling to get this account back on track. They also threatened to sue me multiple times over the phone. When I hung up I called the original card company and asked for my last statement with all of the interest and late fees. My balance ( with no interest and late fees ) was {$940.00}. The interest and late fees totaled around {$820.00}! This company is trying to collect for {$1700.00}. Which is why I repeatedly asked for the amount of interest and late fees to help drop the balance and allow me to pay off the debt faster. I also tried to negotiate the debt to have it paid off faster by the end of XXXX and they refused to negotiate or work with me.
03/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 30907
 Web Servicemember
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
11/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • CO
  • 809XX
 Web
I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment again.
10/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AR
  • 724XX
 Web
Out of the blue a month or two ago I started receiving several phone calls per day including calling my place of employment from them. It was non stop calling every day. I called them back and would always end up leaving a message. A couple of time I would be on hold for over 10 mins until I was able to speak with someone. I did speak with XXXX. Soon as I was on the phone with her she immediately said that there was going to be a lawsuit against me for a unpaid debt/sending it to an attorney in my state. Then as we went further into the conversation she asked alot of personal questions as to why I had the debt. It was to the point where I felt very uncomfortable with talking to her. I felt like she wanted my life history and it was just to personal for her to know that information. As I was setting up a payment plan, she wanted my bank account and my debit card information in which I felt was unnessary. They only would take auto payments. But I gave her my bank account information. I also got two letters from them before speaking to them. I do not believe that their business practices/way of collecting debts is professional. It was threatening.
04/25/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 32828
 Web
I had a Line of Credit for {$20000.00} with XXXX of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I XXXX XXXX XXXX I renegotiated the Mortgage and in XXXX of the same year I received a Law Suit from Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys XXXX XXXX XXXX . I answered the Law Suit saying I did n't have any deb with Atlantic and I had never received a Notification from Beneficial informing that my account had been sold. Aft er one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the XXXX XXXX Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in XXXX , XXXX XXXX Court, which was not attended personally by XXXX and the Judge accepted an Order to compel to mediation by XXXX XXXX XXXX .
09/27/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30319
 Web
A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.
11/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 28211
 Web
On XX/XX/2018 at XXXX XXXX EDT, I received a phone call from XXXX with Atlantic Credit & Finance. When I picked up the phone she said " XXXX? '' and I said " yes? '' At this point she proceeds to say she is with Atlantic Credit & Finance and that they have purchased my XXXX Credit Card account and gives me the balance due. She does not verify my DOB, last four of my SSN, or even say my last name. At this point I explained to her that she has violated the FDCPA by failing to confirm my identity and could've just committed a third-party disclosure. She said that she didn't do that and she doesn't have to confirm my identity. At this time I told her I have an attorney and she should know that because XXXX was aware of it prior to selling the debt to Atlantic and that it's probably in their file. She wanted the attorney 's information to continue collection efforts. At this time I told her she is to cease and desist all contact with me and that I will not be providing her with my attorney 's information based on her inability to verify my identity prior to disclosing the debt information.
04/20/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • OR
  • 97306
 Web
I was contacted b y Atlantic Credit and Finance i n 2015 regarding a credit card debt I owed to XXXX XXXX Company. We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on X/XX/15 . I took this money out of my 401K. My complaint is that I was not told this would be considered income by the IRS and the State of Oregon. As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income. IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements. I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation. I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship. I would appreciate you investigate this action by Atlantic.
07/28/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 91780
 Web
XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.
05/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19144
 Web
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
02/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 385XX
 Web
I received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.
08/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90018
 Web
A company named Atlantic Credit and Finance Called me from an unknown number today X/XX/2017 at XXXX Pacific time. The call lasted about 16 minutes. After asking the repeatedly at least 10 times during that call if I could have their address so I can send my via Money they continued to harrass me after I told that financial hardship is the reason my account went into collections. They wanted to know how, why, when, where and what exactly happened. After repeatedly telling them that I was n't giving them my life and if I could the address and kept asking me what was having their address gon na do for me. They have some shady phone tactics and it made me feel very uncomfortable with them having my information and not wanting me to pay what I could afford on the account that they purchased from XXXX XXXX XXXX. The two employees that were harassing me names are XXXX and XXXX.
05/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 759XX
 Web
Atlantic Credit and Finance has called repeatedly from a blocked number ( No Caller ID ) without leaving messages. They have called and spoken with my family members multiple times, though it is illegal to call more than once. They are harassing myself and my family members and to date I have received nothing in the mail alerting me to this debt collection. They call multiple times a day, mostly during the work day when calls can not be answered, with No Caller ID and leave no message with contact information to return the call. I only know it is them because my brother was able to answer the call from No Caller ID and they immediately told him who they were with ( eluding to the my owing of the alleged debt ). The first time they called, he asked them not to call again, but they did. To date, I am not even sure what the original debt is.
04/16/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • HI
  • 96825
 Web
On XX/XX/2019 I received a response from The XXXX regarding my issue with Atlantic Credit and Finance and they acknowledged receiving my payment and that such debt was satisfied. They said debt was being handled by XXXX XXXX and they have been directed to start the satisfaction of judgment process and they attached a copy of a release letter from Atlantic statingthe account in question is settled and the consumer has no further obligation to the account. I called XXXX on XX/XX/2019 inquiring about this debt from Atlantic Credit and Finance. They did not receive anything and that the account was now sold to XXXX XXXX XXXX XXXX # XXXX. I called they stated they had nothing from Atlantic Credit or XXXX and stated I owed more money on the act. I explained to them the situation and that they couldn't help me but that I still owed money!!!
01/10/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28655
 Web
XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX. She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX VA XXXX
11/19/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 11434
 Web
On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits.
09/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OK
  • 73135
 Web
Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.
04/19/2017 No
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NJ
  • 07307
 Web
Atlantic Credit & Finance has be en calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name, Atlantic Credit & Finance, but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
09/18/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 128XX
 Web
I recently had to cancel my phone plan due to lack of finances from being on XXXX. After my phone was disconnected my parents, whom Ive never provided their information to anyone and I do not live with or have any connection other than relation, they began receiving calls repeatedly throughout the day from Atlantic Credit and Finance. Despite telling them they have the wrong number and that they do not have a way for them to contact me because of the phone issue they keep calling right after getting off the phone with them and harassing them asking for me. They have asked them to stop calling them multiple times. The individual that calls them every time is named XXXX and will not give them any information or a way for me to contact them other than by phone.
10/02/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 212XX
 Web
I was forwarded a letter sent to a resident and state I do not live in on the XXXX of XX/XX/2019. The letter was once again to the same court from my other threats from other creditors in XXXX XXXX, NJ in XXXX County. The letter does not indicate who this creditor or lender or who they are. They are threatening to garnish my wages for unidentified amount of the claim debt. I was never notified of any legal actions for the name listed on the letter, I have no outstanding loans or debts from this listed party. I did not know the court could approve such false allegations from the same court system. How am I legally being pursued for a debt I am not aware of in an amount not indicated on the documents you are sending to the wrong address and state.
08/01/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MI
  • 49316
 Web
I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : XXXX XXXX XXXX.
01/29/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AK
  • 995XX
 Web
My domestic Partner an I ( XXXX XXXX ) have been severely harassed by Atlantic Credit & Finance of XXXX, VA for a credit card debt that has been previously paid. XXXX carefully explained this to Atlantic and have received several calls demanding payment. Even when he provided banking evidence of XXXX cleared checks that paid off the debt, he still received harassing calls. Atlantic never contacted the original credit card company, XXXX Bank, to confirm that they received an deposited the checks. Their collector 's demeanor has been condescending, illogical and demeaning. XXXX individual, XXXX XXXX, was particularly rude. It appears they are trying to get compensation from anyone for whatever effort they have expended.
08/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • TX
  • 75287
 Web
Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!
06/22/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75078
 Web
I purchased furniture at XXXX XX/XX/2015 via XXXX XXXX mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XXXX/XXXX/2015 from XXXX XXXX stating that the acct. was charged off and sold to XXXX XXXX XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX 's or XXXX Bank prior to account being sold. When I rec 'd the letter, I called XXXX 's and XXXX, neither were willing to help me. I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
02/24/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • IL
  • 60543
 Web
I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout
11/19/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • PA
  • 19038
 Web
I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.
04/02/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MI
  • 48219
 Web
I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
04/11/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • NJ
  • 07601
 Web
The original debt was filed as a judgment in XX/XX/XXXX, the statute of limitations on this debt has expired according to NJ state law. I just found out they are utilizing a third party XXXX, XXXX, XXXX who has refiled this judgment as a State Tax XXXX with the Plaintiff as State of New Jersey not as Atlantic Credit. Spoke to XXXX County Special Civil Law Division ( XXXX/XXXX/XXXX ) ext. XXXX, they verified that it is Atlantic Credit but as you will note they did not file it as such, it is filed as State of NJ, State Tax Lien. I contacted ( XXXX/XXXX/XXXX ) XXXX XXXX for an explanation and verification as have not received a response as of yet.
11/27/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75287
 Web
The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.
06/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 306XX
 Web
My husband received crepeated calls today X/X/17 from a lady that stated she was a debt collector and wanted to know if my husband 's wife ( being myself ) was embarrassed about a credit card debt that I have received no notifI cation about. They have not contacted m e until today when my husband tells them to contact me. I asked what this was for and for what charges. The lady responded with " our computers are down so I ca n't see the charges ''. I then asked that documentation be mailed to me personally and the response I received was that she could email me ( which I still have n't received ) I want this harassment to stop.
04/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • HI
  • 96825
 Web
A judement against me came up during my home purchase process. I have maild a copy of judgement along with a check to cover the amt owed on XXXX XXXX Check has been cashed and I'm requesting a release statement and recordable document to provide to my mortgage lender. Company states debt was sold to another company however they cashed my check. I've been calling this company since XX/XX/2019 after my check was cashed. I've called several times in a day only to talk with someone I've been placed on hold and transferred to several people. Spoke to a XXXX XXXX who said my account was sold to iXXXX. I can't get any answers.
05/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 548XX
 Web
Two weeks ago I had sent a letter of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.
02/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80022
 Web
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
08/27/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23513
 Web Servicemember
The company is Atlantic Finance and Credit based out of XXXX, Virginia. I try to call and pay what I owe and they are clearly dodging my phone calls. I was finally answered by someone and transferred to a voice mail after hours of calling. They will not call me back and continue to charge my bank account {$22.00}. They have hundreds of reviews online about them not contacting consumers or being extremely rude when someone finally males contact. They are being extremely shady and unprofessional and I want my debt paid so I can remove them from my credit report and my livelihood.
04/14/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SC
  • 29456
 Web
A company from the phone number of XXXX called my father without disclosing the name of the company, in attempt to collect a debt owed to XXXX XXXX . My father then contacted me because we share the same names and he believes I now owe the debt they are attempting to collect. They stated that the person in question owes an actual amount around {$4000.00}, my father does not remember the actual amount but stated they disclosed this person may owe as such. My father stated the debt is not his, and he was not the correct person to attempt to collect the debt from.
09/15/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 480XX
 Web
The representative, XXXX, from Atlantic Credit and Finance Inc. has called repeatedly, include at my work place. The first time she called on my job, I asked her not to. She called again this week ( Tuesday, XX/XX/XXXX ) I asked her again not to call and hung up. On Wednesday, XX/XX/XXXX she called my cell phone under a number that came up " unknown. '' When I answered, she urged me not to hang up, and insinuated repeatedly that by not cooperating with her or hanging up would not do me any good. I sternly asked her not to call me again and hung up.
05/11/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • NE
  • 680XX
 Web
They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.
04/20/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 636XX
 Web
I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.
02/07/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75287
 Web
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.
05/05/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 77449
 Web
Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.
12/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31909
 Web Servicemember
I am unable to give the amount owed, which is why I am contacting you. Atlantic Credit Financial does not have a website or method of keeping the consumer informed about the balance of the remaining debt. They are difficult to contact or at least I have been unable to contact them on this day XX/XX/2019. I will try again tomorrow and if I am unsuccessful I will stop payments from my bank account ; after-all who wants a continuing bill for life. What should I do about this?
05/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77523
 Web
I have received numerous calls to my cellphone, work ( which my boss was not happy about since I couldn't perform my job due to taking the phone calls ) they have even contacted my eleven year old daughter. I want the harassment to stop and they keep on calling me numerous times during the day. They never disclosed the alleged amount owed, they do not have the my correct address nor my exact corrected name on file. They are not even the alleged original collector.
04/09/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79118
 Web Servicemember
This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.
05/05/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MA
  • 02062
 Web
On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
08/02/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MO
  • 648XX
 Web
I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.
09/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • ME
  • 04005
 Web
Atlantic credit has called many times late at night and today ( XX/XX/XXXX) called my work a little after XXXX, which I believe is not allowed by law and also could get me in trouble and/or fired. When they call my cell phone they do n't leave any voicemail. They just keep calling. I wo n't answer 800 numbers because of all the scams out there. Then today I get a call at work and a letter at home stating they are going to send an attorney after me.
09/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 338XX
 Web Servicemember
I have an account with XXXX XXXX XXXX XXXX. I have been paying on the debt for 9 months. I need to change the arrangement but the number they give you to call XXXX answers, puts you on hold for two minutes, then says voice mailbox is full then ask u to press 0 for someone else when you do it again says the mailbox is full.The website www.atlanticcreditfinance.com only allows you to file a complaint but nowhere to access your account.
05/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01843
 Web
I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc. Atlantic Credit and Finance , Inc. alleges that court took judgement on their behalf on X/XX/2010 , for which I was never requested to attend.
06/16/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MT
  • 599XX
 Web Older American
i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.
06/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10550
 Web
I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with XXXX XXXX
07/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 79416
 Web
Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX This company was asked to stop calling me at work on several occasions. This started in XX/XX/2018. I have repeatedly told the young lady, XXXX, that my work does not allow me to get personal phone calls. Not only does she not listen she continually calls back and harasses me at work. XXXX is the number she continually calls me from. Her extension is XXXX
01/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30045
 Web
i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX. they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.
10/17/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 78213
 Web
XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.
12/04/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63021
 Web
I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told XXXX people from the agency that noone here lives by that name and they keep calling. The phone number is XXXX XXXX The company is : Atlantic Credit and Finance XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
02/08/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10035
 Web
This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.
01/19/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • MA
  • 026XX
 Web
the collection agency put me on the phone and had me get into my personal business of why i stoped paying for the debt and asked why i am XXXX and had me repeat it like 3 or 4 times to make me feel bad or gulity about the whole situration and then asked why i broke up with my fiance .. and then asked how much is in my checking acount. The agency name is atlantic Credit and fiance incorporated
05/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33884
 Web
This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members
04/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IL
  • 622XX
 Web
XX/XX/XXXX18, Atlantic credit and finance contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.
07/26/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • IN
  • 477XX
 Web
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
03/22/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Keep getting calls about my loan
  • TX
  • 78250
 Web Servicemember
I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.
06/15/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85281
 Web
A company called ACF called in regards to XXXX XXXX from phone # ( XXXX ) XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on XXXX XXXX
05/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 65807
 Web
I receive daily calls at my employer from Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.
03/21/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MD
  • 206XX
 Web Servicemember
XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers
08/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • XXXXX
 Web
This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.
02/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NY
  • 11375
 Web
The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. Since I told them not to call me at work, they have called me close to ten times after. What are my rights? Thank you, XXXX XXXX XXXXXXXXXXXX
08/22/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11435
 Web
these animals keep calling me from this company Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX phone i woe nothing to nobody and they are annoying me and i am also on do not call list, so please please stop these animals
06/23/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 90660
 Web
Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.
07/16/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 190XX
 Web
Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
06/23/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 186XX
 Web
Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members.
06/10/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23323
 Web
When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.
03/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94597
 Web
I am getting repeated phone calls for a debt of some kind for someone I do not know. I think they are looking for someone named XXXX. I have asked them to stop but they call twice a day at least from multiple numbers.
12/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 960XX
 Web Older American, Servicemember
Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI XXXX
12/20/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 640XX
 Web
The call comes in unknow. I've asked them to stop clling me but they continue to call myself and my husband 's phone. I have no business with them nor do we want to. Very unprofessional employees as well.
11/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • IL
  • 60007
 Web
XXXX continuously calls pretending to be a Credit Agency and sometimes a Debt collector. They act very strangely on the phone and ask for employees at our company often revealing their personal info!
07/31/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • CO
  • 80909
 Web
Calling work place multiple times throughout the day. Harassment of people other than myself. Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.
10/04/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11372
 Web
This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information.
01/12/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 015XX
 Web
Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally.
01/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OR
  • 97062
 Web Servicemember
The first time the rep called me I politely asked them to send me only paper mail regarding this matter but they continue to call consistently.
10/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • TX
  • 78247
 Web
Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.
02/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60477
 Web Servicemember
asked them to send me proof paper mail regarding this matter but they continue to call consistently 4-5 times a day
11/09/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32258
 Web
The company is calling my work number to collect a debt.
08/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30904
 Web
07/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 12534
 Web
07/25/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11793
 Web
07/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 74063
 Web
06/27/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44117
 Referral
04/28/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 22309
 Web
03/15/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48312
 Web
12/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33773
 Web
12/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37921
 Web
12/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 27310
 Phone
12/13/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06053
 Referral
12/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MS
  • 39047
 Web
12/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11374
 Web
12/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NY
  • 13057
 Web
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85016
 Referral
11/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 22405
 Web
09/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NH
  • 03276
 Web
09/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27615
 Postal mail
09/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30144
 Web
09/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30094
 Referral
08/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90021
 Web
07/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OH
  • 45249
 Web
07/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20852
 Web
07/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NY
  • 11703
 Phone
07/05/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37763
 Web Servicemember
06/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 71303
 Web
06/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 42104
 Web
06/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77504
 Postal mail
06/05/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07111
 Referral
05/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 93424
 Referral
05/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MI
  • 48230
 Web
04/06/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TN
  • 37043
 Web
03/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70119
 Referral
03/13/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 66061
 Web
03/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29520
 Web
03/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 92054
 Web
02/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19120
 Web
02/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • XXXXX
 Web
02/13/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
Fax
01/19/2018 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
  • NC
  • 28532
 Web Servicemember
01/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20782
 Web
01/06/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32566
 Web Servicemember
12/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 78641
 Web
12/28/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89145
 Web
11/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30034
 Web
11/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43214
 Web
11/03/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • KS
  • 67846
 Web
10/31/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 44128
 Web
10/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91701
 Web
10/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 18902
 Web
10/03/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23002
 Referral
09/12/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 17011
 Web
08/30/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IL
  • 62249
 Web
08/29/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MA
  • 02451
 Web
07/24/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 77379
 Web
07/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33647
 Web
07/03/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TN
  • 37642
 Referral
04/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77379
 Web
04/18/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • MD
  • 21801
 Referral
04/06/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22427
 Web
03/29/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30041
 Web
02/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
Referral
02/10/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07208
 Referral
02/09/2017 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NY
  • 10035
 Web
01/30/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73134
 Web Servicemember
01/24/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77530
 Web Servicemember
01/20/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95148
 Web
12/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44321
 Web
12/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 56472
 Web
11/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • PA
  • 17018
 Referral
10/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 31069
 Referral
10/25/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14609
 Phone
09/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MO
  • 64118
 Web Servicemember
09/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • RI
  • 02908
 Web Older American
08/30/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06831
 Phone Older American
08/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TN
  • 38116
 Web
08/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CT
  • 06783
 Postal mail Older American
07/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21244
 Referral
07/18/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21217
 Web
07/11/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MS
  • 39042
 Web
06/22/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 38104
 Web
06/10/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 23323
 Web
06/10/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23323
 Web
05/31/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 46368
 Phone Older American
05/19/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21209
 Web
05/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 14580
 Phone Older American, Servicemember
05/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • NM
  • 87048
 Fax
04/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 20147
 Web
04/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • VA
  • 23701
 Referral
03/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33837
 Referral
03/23/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 33155
 Web
03/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • GA
  • 30045
 Web
02/24/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73735
 Web
02/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 31028
 Referral
02/10/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75034
 Postal mail
01/21/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 38562
 Web
12/18/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33155
 Web
12/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10453
 Referral Servicemember
10/23/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MD
  • 21218
 Web
10/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10033
 Postal mail
10/15/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IN
  • 46322
 Web
09/09/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 48602
 Web Servicemember
09/05/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60614
 Web
08/20/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 90010
 Web
08/05/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Reinserted previously deleted info
  • MI
  • 48192
 Web
07/29/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30093
 Postal mail Older American
07/23/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37332
 Web
07/20/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08882
 Phone
07/15/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 95991
 Web Servicemember
06/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94509
 Web
06/25/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37174
 Referral
06/19/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97501
 Web
05/29/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60426
 Fax Servicemember
04/23/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92880
 Web Older American
04/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07731
 Postal mail
03/27/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37412
 Web Servicemember
03/18/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87121
 Web
03/17/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28083
 Web
03/12/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 32828
 Web
03/11/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • OR
  • 97146
 Web
02/10/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33023
 Phone
02/06/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • UT
  • 84737
 Web
01/30/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MO
  • 64834
 Web
01/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77657
 Referral
12/31/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MD
  • 20904
 Web
12/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60637
 Fax
11/20/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29680
 Web
11/17/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08835
 Web
11/14/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • FL
  • 34267
 Web
11/13/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NY
  • 11561
 Web
10/28/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 27358
 Web
10/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IN
  • 46032
 Referral
10/08/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 95823
 Web
10/03/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30518
 Web
09/25/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30034
 Web
09/22/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 80906
 Web
09/18/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30281
 Web
09/18/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30039
 Web
09/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60435
 Web
09/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KS
  • 66104
 Phone
08/28/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85224
 Web
08/16/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91362
 Web
07/31/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 23878
 Web
07/18/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90712
 Web
05/21/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NY
  • 11779
 Web
01/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28776
 Postal mail
01/04/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11563
 Referral
12/24/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60714
 Referral
09/09/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11412
 Web
08/27/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 42167
 Web
08/16/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NC
  • 27852
 Web
07/12/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31403
 Web