Ballybunion Enterprises, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/29/2021	Yes	Debt collection Credit card debt	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	NE 68516	Web	Servicemember
On XX/XX/XXXX I was left a voicemail by an unknown/private number. The caller identified himself as XXXX XXXX, and said that he was contacting me in regards to an incident that took place while I was in the Military ( XXXX ) and that it was of great importance that I contacted him immediately to avoid further noncompliance. In the two hours it took me to realize I had missed a call, my brother, mother, father, and ex-wife of nearly ten years ago were all also contacted by XXXX XXXX, interrogated of my whereabouts, and informed to pass along his information regarding a legal matter dating back to an incident that took place while he was in the XXXX. After a frenzy of panic from my family, I attempted to return a call to XXXX XXXX at XXXX. A man answered the phone for Military Credit Services - I identified myself, and asked for XXXX XXXX. His response was let me place you on hold and get you over to him. After a brief hold, the same man returned to the phone and said oh, I mean, this is XXXX XXXX. After a very confusing and brief conversation, I was told that the paralegal will be contacting you as soon as he can and he can give you much more information about your file. Days went by with no contact. On XX/XX/XXXX I was contacted via telephone by an unknown/private number. The man on the other end identified himself as representing Military Credit Services , LLC. It was again, XXXX XXXX. He said the paralegal was available to speak with me now, and he placed me on hold. Once the paralegal ( unfortunately I did not catch his name ) joined the call, I was immediately pressed and intimidated while he listed personal information about my life, my bank accounts, my employers. He told me that originally I had taken out a line of credit from Freedom Furniture in Louisiana, in XXXX. That line of credit went into default when I separated early from the XXXX and the allotments stopped paying the bill on that line of credit. It was then pushed into collections, and a judgement was granted in XXXX, Virginia in XXXX. ( I have never lived in Virginia, nor have I been to the state of Virginia. At the time this judgement was granted in Virginia, I was living in XXXX, Arizona. ) I was never made aware of this hearing or any judgement made against me, although the paralegal from Military Credit Services insists I was served prior to the hearing. For the original {$2300.00} line of credit, Military Credit Services was given a 20 year judgement with such a high interest rate that apparently I am now in default of over {$7000.00} to this company. XXXX XXXX XXXX, XXXX also added a new collection line to my XXXX credit report that is listed as being Opened XX/XX/XXXX when I have not done any business with Military Credit Services since XXXX. I have previously disputed collection lines on my credit report from Military Credit Services and had them removed or closed, and now they are returning to my credit report under the guise of a different LLC operating as their Internal Collection Agency. After speaking with them today they are now threatening to levy the only bank account that has my name attached to it, which is a co-owned and operated business account. They have no legal right to harass myself or my extended family, and they have no right to collect on a stale that has already surpassed its statue of limitations for collection. On top of all this, with just one simple XXXX search of Military Credit Services , LLC you will find numerous articles that have been published citing their lawsuit with the CFPA in which they were found to be practicing unfair, illegal, and questionable collection practices. Part of these unfair and questionable practices were placing judgements against out of state customers who have never done business in the state of Virginia and did not originally take the line of credit out in the state of Virginia. Not only that but they have also been barred from using Virginia courts to sue out of state customers entirely. But, on XX/XX/XXXX I was made aware that I was sued in Virginia in XXXX by Military Credit Services LLC and a judgement was placed against me that will date for 20 years with an interest rate of over 20 %.
10/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web	Servicemember
XXXX and XXXX placed a collection account on my report in XXXX stating that I owed Military Credit Service over {$3000.00} well I contacted XXXX and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with Military Credit Services and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX XXXX who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX back in 2001 in Texas which she saw. I contacted XXXXXXXX XXXX XXXXXXXX and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX XXXX removed Military Credit Services because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.
11/06/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 324XX	Web	Servicemember
I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017. They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.
06/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 278XX	Web	Servicemember
I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.
07/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 10314	Web	Servicemember
XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.
02/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	KY 42223	Web	Servicemember
I am writing this complaint because I believe Freedom Acceptance Corporation ( FAC ) has violated my consumer rights. FAC financed a fee called Voluntary Debt Protection Coverage ( in the amount of {$230.00} ) to my loan, in which I believe this product is in violation of the Military Lending Act ( MLA ). The another violation is of Fair Debt Collection Practices Act on this account, FAC was inaccurately reporting the balance of my account on my credit report. Timeline of Events : On XX/XX/2020 I saw that I had an outstanding debt with FAC in the amount of {$700.00}. On XX/XX/2020 I contacted FAC about this outstanding debt and they informed me that it was now with XXXX, a collection company. I knew the outstanding balance was incorrect and the interest they added to the loan was in violation of the Military Lending Act interest cap of 36 %. They were charging 56.19 %. On XX/XX/2020 I filed a complaint with CFPB ( Complaint number XXXX ) reporting this MLA violation on AmSher. On XX/XX/2020 XXXX responded that they would be returning the debt back to Freedom Acceptance Corporation. They also provided copies of my contract which shows that FAC financed in a product that is in violation of MLA. On XX/XX/2020 I contacted FAC and once again they have transferred my account to another collection agency, XXXX XXXX XXXX XXXX, as of XX/XX/2020. I believe I owe {$0.00} due to the fact that they financed in a product that is not allowed into this loan and collected 35.95 % interest on that product for the whole term of this loan. They also are inaccurately reporting the amount due on this loan to the credit bureau. In addition to they continue to transfer this invalid debt to other debt collectors.
08/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29209	Web	Servicemember
Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.
05/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CO 80909	Web	Servicemember
I am continuously disputing with Freedom Acceptance. I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on XXXX than XXXX . The first late payment is different on XXXX and XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On XXXX we were contacted via email saying we owed {$740.00} then on X/XX/2015 we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score. They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint XXXX and according to Freedom Acceptance they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General XXXX XXXX and I am seeking further assistance on this issue.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80909	Web	Servicemember
I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.
10/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07424	Web	Servicemember
XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.
06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX 756XX	Web	Servicemember
I bought some Jewelry from a company that is charging and outrageous amount for their jewelry and when I tried to return the items they claimed there is no return policy just a trade value for the items of the same price that it was bought for. After that I left and decided that I was n't going to keep the allotment going through my account and stopped it. a few months later I get a phone call at work claiming that it was a military legal officer on the other end of the line and I received a number to a company that the finance company that was used. When I called the company they threatened to have me charged by the uniform of military code of Justice under an article of the system. After the phone call I got ahold of XXXX XXXX Loans where I got a loan for {$1400.00} at 30 % and when the loan hit my account they went in and took the money with permission by charging my card a total of {$910.00} through multiple transactions that was not authorized by me. When I noticed the transactions I called the company and they confirmed that they took the money due to a overt due balance of the {$910.00} for the time that I stopped the allotment that the money was going through while on a XXXX in XXXX, XXXX up to the date that they took the money. A few months ago I was appointed to court without knowledge of the court date in Virginia and being served, and at the court there was an attorney appointed to me without my consent. I have to pay {$440.00} a month by the court ruling, which is a certain percentage of my military check.
02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	OR 974XX	Web	Servicemember
I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.
02/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29016	Web	Servicemember
I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due
02/10/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MI XXXXX	Web	Servicemember
I was contacted XX/XX/XXXX by an attorney working on behalf of Military Credit Services stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of Military Credit Services ( aka Freedom Stores ) that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded XXXX and XXXX XXXX ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
03/19/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 368XX	Web	Servicemember
We opened an account with Freedom Funiture in XXXX paid as agreed and refinanced in XXXX. We paid as agreed until we became unable to pay the full amount in XXXX. We made an agreement to pay a lesser amount per month and kept paying via allotment. Freedom got a judgement against us while I was training. I was not served with the judgement prior to court or after ... I was informed of it when my wages began to be garnished. They got the judgement in XXXX VA. XXXX # XXXX Filed XXXX. I did not sign a contract in VA I signed my contract in GA. They garnished my wages causing finacial distress. I was able to get that stopped through XXXX. However the judgement remains and has severely damaged our credit preventing us from buying a home and upgrading our vehicles. We have asked repeatedly to have this issue fixed based on the fact that the judgement was not served on me ever and the fact that they have caused so much financial distress and ruin. We were told we 'd have to go to VA to fix it. We have in total paid this company nearly {$25000.00} over the last 11 years. for a couch and loveseat, computer hutch, table and chairs. the furniture has not lasted however the payments and ruin continue the judgement says we still owe XXXX. We need assistance as we have tried every other step possible to fix this without aid.
04/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 335XX	Web	Servicemember
Between XXXX XXXX XXXX and XXXX XXXX XXXX I was in the process of being XXXX discharged from the military XXXX XXXX XXXX XXXX XXXX. I ended up with XXXX XXXX XXXX. During that time, Freedom Acceptance Corporation failed to make any reasonable attempt to reach me at my current address and phone number to discuss the debt. They immediately took me to court and won a judgment in the XXXX XXXX XXXX, knowing that I did not reside in the city of purchase. I successfully updated my address with them over the phone and let them know I was in XXXXXXXX XXXX and still never recieved any notification from them. They knew I was in the military and was prone to moving. It seems this is something they have done to thousands of veterans. In XXXX it was reported that they were to prove over XXXX XXXX in consumer redress and to pay a {$100000.00} civil penalty for their practices. I could have paid the debt had I been notified, but their business practice is to prey on people even XXXX veterans like myself in order to increase their wealth. I know owe XXXX more than the original balance and Freedom never had the intention of working it out. They wanted to increase their money due and took me to court in a city they knew I did not live in and were awarded a judgement that I was unable to defend.
03/30/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NC 28562	Web	Servicemember
I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
07/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92880	Web	Servicemember
I have had MCS ( Military Credit Services ) call me several times saying they are trying to collect a debt from me that is well over two thousand dollars. I told them it was n't mine and to send me a copy of the account and whatever else that proves it 's mine. They said I should receive this courtesy letter since they already sent out XXXX. They asked me for my mailing address and I told them that if they were speaking to me then they had my address. I never did receive that copy of my account with them. Yet, they called me again a few months backs. When she told me who she was, I informed her until I get a copy of the account, letters sent out to me and whatever else like I asked the last time they called to stop calling me because I did n't open up an account with them nor purchased an item that I had to finance. I hung up then blocked the number. Now I have checked my credit report and I have a hard hit from them. I check my reports about every six months. Its bad enough dealing with XXXX. I 'm XXXX. I 've been working on my credit myself but when this happens its depressing and frustrating because if I ever need t finance I ca n't. IM REALLY UPSET.
11/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web	Servicemember
Freedom furniture and electronics showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from Freedom to another company security credit services ( who never contacted me ) and sold again to Military credit services and now sold to another company XXXX XXXX XXXXXXXX XXXX. 16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
04/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85019	Web	Servicemember
I have a judgement with this company and I am trying to pay it off, but for the last 3 months I have tried to get the pay-off amout with no results. I have contacted the XXXX time, XXXX in XXXX XXXX in XXXX another time in XXXX. The XXXX time I was told she needed to check with the lawyer and get the total. The next XXXX times I told them what was going on and was told they would research the account and get back with me. I gave them my current phone number each time and heard nothing. I feel they are just running up the intrest and are waiting to do garnishment. I have had the means to make mayments and start with a good down. My credit councler said I should ask to have this deleted due to lack off response. Any help you could give would be great. Thank you. Here is infoFREEDOM XXXX XXXX XXXX XXXX - - -Type of Loan : SECURED LOANB / XXXX, XXXX : AMOUNT IN HIGH CREDIT ORIGINAL CHARGE-OFF AMOUNT ; CHARGED OFF ACCOUNT ; ACCOUNT CHARGED TO PROFIT AND LOSS
06/10/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91910	Web	Servicemember
Good Day, I'm submitting this complaint in regards to a account that I had with Freedom Acceptance Corporation which had a balance on the account and was sent to another company called XXXX. The Balance at the time of the Charge off XX/XX/XXXX was XXXX and when looking on my credit report I was a balance of XXXX. I received as notice from XXXX in XX/XX/XXXX with a balance of XXXX. I contact XXXX on XX/XX/XXXX and talked with a rep that told me my account was back with Freedom Acceptance Corporation. I asked them for a Date they didn't have one. And I then called Freedom Acceptance Corporation and was informed by them that my account was still with XXXX. It's seems that I'm getting the wrap around with what is going. I started making these calls at XXXXXXXX XXXX P.S.T. on XX/XX/XXXX and still don't have any resolution on where to go next. I have not received a summary judgement from a court or Judaical system stating the balance of XXXX.
06/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89110	Web	Servicemember
freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.
01/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	KS 664XX	Web	Servicemember
The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 275XX	Web	Servicemember
Freedom acceptance corp continues to report fraudulent information to my credit report. They say I opened a account with them XX/XX/XXXX which is incorrect. They keep changing dates to keep this incorrect info on my report. They also are reporting false payments to keep the account on my credit file. They stated I made a payment to them on XXXX XXXX XXXX. I have NEVER made a payment to this company amd I have NEVRER open an account with them. They refuse to give me any information. They are known for doing this illegal type of practice. They had a lawsuit filed against them in XXXX by the VA Attorney General for the same exact thing but yet they continue to practice these illegal practices.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	HI XXXXX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : MILITARY CREDIT SERV XXXX Balance {$0.00}
06/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48314	Web
Freedom Stores, and XXXX has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent XXXX a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to XXXX as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.
12/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 10314	Web	Servicemember
I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!
10/01/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	LA 70508	Web	Servicemember
XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.
12/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78245	Web	Servicemember
An individual by the name XXXX XXXX with XXXX XXXX XXXX, XXXX called in XXXX regarding a debt with XXXX XXXX XXXX from XXXX stating that if no payment was made they would garnish my paycheck including my spouse paycheck if this amount was not paid. The first payment was made XXXX XXXX and a total of {$2700.00} has been paid. We have contacted XXXX XXXX XXXX and they have stated they have no affliction with this company and they account has been been charged off with only a balance of {$1700.00}. XXXX & XXXX has continue to threaten us if we do not continue to make payment on the account.
01/18/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 79934	Web
We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.
04/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92584	Web	Servicemember
I have a collection from the freedom acceptance/military credit for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX years since then but it shows that this was recently purchased. I have reached out to XXXX and XXXX via email with no response requesting for any information proving the validation of the debt.
06/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95210	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX , contacted my father on XX/XX/XXXX t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place. I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt. This debt was originally accrued in XX/XX/XXXX . It was completely pass the statutes of limitations.
05/02/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MO 654XX	Web	Servicemember
Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.
12/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23452	Web	Servicemember
I used a company called Freedom Electronics as well as Freedom XXXX, I currently am still paying on both loans. My balance seems to be increasing. I took out the loan with Freedom XXXX in XX/XX/2014 and electronics in XX/XX/2014 as well. I have yet to receive a payment history of which cant be viewed online. When I asked for a payment history I receive attitude. I also checked my credit report and see nothing about this loan. A monthly statement would be nice to see what the heck my money is actually going.
07/28/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 325XX	Web	Servicemember
I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.
07/14/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 92173	Web	Servicemember
freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered
05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	DE 19901	Web	Servicemember
I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan.
01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	VA 23462	Web
This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission
08/20/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89117	Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	SC 293XX	Web	Servicemember
I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 94544	Web	Servicemember
I paid off my Freedom credit accounts back in XXXX and it is still on my credit report. I called asked speak to a supervisor on Monday XXXX at XXXX XXXX.The rep says she can not locate my accounts she was very XXXX and had XXXX XXXX I filed paperwork for small claims court because I made over XXXX attempts to get this resolved. Also a account was opened in XXXX when I was already out the military this is not mine.
08/10/2023	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MN 55904	Web	Servicemember
XXXX XXXX is representing/collecting on behalf of Freedom furniture/Military Credit Services . He stated they sat on the debt to let it accrue interest then once it was maximized after 10 years they are now coming to collect. I have no memory of this transaction we are talking about almost 20 years ago. And they now are looking for 4-5x what may have been owed 15 years ago.
02/07/2018	Yes	Debt collection Other debt	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	NY 145XX	Web	Servicemember
I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
10/20/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WA 984XX	Web	Servicemember
They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date
11/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	MD 20705	Web	Servicemember
Freedom XXXX is being sued for unlawful suits against several servicemembers, that is why they are going out of business for the harm they done. People are still trying to contact me regarding payment, I was involuntary discharged and I was told they would waive all debts. I guess not, I am being harrased every single day via email and phone.
01/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28306	Web	Servicemember
Freedom Furniture and Electronics closed all of it 's stores. I had XXXX line of credit with this company and when I added a computer and refinanced, they reported XXXX separate accounts for me to credit bureaus. They agreed over email and the phone to remove the 60 day late reporting in XXXX and XXXX of 2015 and they have not.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 66441	Web	Servicemember
There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89032	Web
On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry. While the unauthorized inquiry is still being reported on my credit report.
07/02/2017	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	FL 32216	Web	Servicemember
Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.
03/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	NJ 07093	Web	Servicemember
freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22204	Web	Servicemember
Im financially damaged because i had to hire XXXX XXXX to aid in removing this inner derogatory of my report. The statue of limitation in North Carolina is 3 years. The drop off date is XX/XX/2020 for this charge that is trying to be reinstated into my report.
01/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	NJ 07093	Web	Servicemember
freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.
05/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48204	Web	Servicemember
Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.
03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 444XX	Web
These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.
09/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web	Servicemember
This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX years. This account is false and identity theft.
09/06/2017	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	CA 94538	Web	Servicemember
XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.
09/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	NJ 07093	Web	Servicemember
these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35007	Web
On XX/XX/2017 there are two hard inquiries that I don't recognize with such a company from XXXX XXXX XXXX.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94544	Web	Servicemember
I paid my accounts in 2013 and all of them are still on the credit report.
06/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48204	Web	Servicemember
Another party is trying to collect dept. The dept has been re-aged.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92688	Web

03/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 65714	Web	Servicemember

09/16/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33311	Web	Servicemember

05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90027	Web

03/28/2022	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	GA 31771	Web	Servicemember

03/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34104	Phone

02/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 71118	Web	Servicemember

10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

08/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

07/05/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76549	Web

05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20774	Phone	Servicemember

05/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

04/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

03/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31088	Web	Servicemember

11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29150	Postal mail

03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37042	Web	Servicemember

02/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92058	Web	Servicemember

01/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone	Servicemember

05/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28306	Web	Servicemember

04/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AR 72401	Web	Servicemember

12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11216	Referral

05/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30228	Web

12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30228	Web

12/07/2017	Yes	Debt collection Other debt	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	SC 29536	Postal mail

12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	KS 66048	Web	Servicemember

11/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35824	Web

07/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28390	Phone	Servicemember

09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80909	Web	Servicemember

09/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32962	Web	Servicemember

06/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35079	Web

05/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NC 27529	Web	Servicemember

04/26/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 816XX	Web

02/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WA 99301	Web	Servicemember

12/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 77802	Web	Servicemember

10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 91910	Web	Servicemember

08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	KS 67487	Web	Servicemember

08/14/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MN 56303	Web	Servicemember

07/30/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CO 80013	Web	Servicemember

07/14/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	PR 00717	Web

07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94565	Phone	Servicemember

07/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84651	Web	Servicemember

04/03/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	MD 20770	Web	Servicemember

03/11/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 48180	Web	Servicemember

03/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31605	Web	Servicemember

03/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37221	Web	Servicemember

02/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92054	Web	Servicemember

02/20/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	TX 75840	Web	Servicemember

02/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92028	Web	Servicemember

01/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	XXXXX	Web	Servicemember

01/30/2015	Yes	Payday loan	Charged bank acct wrong day or amt	GA 30038	Web

01/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77586	Web	Servicemember

12/29/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29388	Web	Servicemember

12/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	TX 76579	Phone	Servicemember

10/28/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92155	Web	Servicemember

09/19/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	KS 66442	Web	Servicemember

09/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92108	Web	Servicemember

09/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92592	Web	Servicemember

04/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NM 87002	Web	Servicemember

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 94513	Web

10/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 23504	Web