Bilateral Credit Corp, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/18/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98032	Web
On XX/XX/2019, I received the letter from Bilateral Credit Collection Company Which I have no idea who they are and there letter was written as XX/XX/2019. They were saying that I owe about {$18000.00} and respond us back urgent. They called me mulitple times and send me a letter that if i don't respond back they will treat it as confirmed debt and will make me liable. I called them and nobody picked up and i left them 2 to 3 times voicemail that please send everything in writing do not call as I am practicing the Fairness act of Debt collections. Anyway i send them a detailed letter as followed below in text. Bilateral Credit Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX : Account No : XXXX To Whom It May Concern I do not consent to this debt and I totally dispute the validity of the debt in the above-reference account number # XXXX and would like verification from you of the obligation, the amount owed, and proof of a detailed valid assignment of the debt from the original creditor to you. I request everything to be send in written format and no phone calls or text messages. Please send me copies of all documents related to this dispute including along with the following questions answered. Q1 : Who you are you? Who do you represent? provide me a detailed contract copy if you are representing the original Creditor? Provide the facts and proof that you are the original representation? Q2 : What is your direct number and what is the actual company headquarter address? Q3 : What is your professional license information? Also are you registered in Washington state to send the dispute details as per law? As you are based out of state most probably you have to take retain local counsel? Q4 : What was your process of getting the debt from the original creditor? what detailed information you asked or obtained? What was your verification process if it was actually a debt or a dispute? if you did not comply with the law to gather proper evidence of the claim disputes, you are already violating the law time. Q 5 : Before sending the verification of the dispute, did you really investigated on your side what was the core issue why this all happened? Q 4 : Provide all the documents account records, invoices of claims and correspondence on what specific date? Q5 : How you come up with this {$18000.00} amount and what is the breakdown of these charges? Q6 : Based on my knowledge, Debt collectors signed a contract with the original creditor either on a commission basis or buy the debt for pretty cheap amount? By law and fairness Debt Collection Practices Act, you are supposed to provide all that information? How much was the actual amount you bought the debt or dispute for? Is there any documentation/ contract between you and the original creditor. Q7 : How can you seek verification and validation of the debt? I am also exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C 1692, and demand that you cease all communication except with me, my family members and all other third persons. Also you have violated the law of Fair Debt Collection Practices Act, by calling multiple times on different dates to pressurize and threaten about the debt when I left a voice message and left a message to one of your agent not to call on my number. Please send me all things in written. You are here by notifies that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and to the State Attorney General 's Office. If you are not able to provide the answer to the above questions and proper researched verification of the dispute within 15 to 30 days of time then you are violating the FDCPA detailed Civil and criminal claims will be pursued. I can not pay this debt as I do not consent and I do not validate this debt to be considered as a debt. I am already going through financial hardship, medical issues myself and for my family, and on top of this bilateral Credit collection continues calls and violated the law when even told not to call back that have put more pressure and created more stress environment for myself. Sincerely, XXXX XXXX They still called me and last time threaten me to take action against me and report my credit collection right away which they did not. About 2 to 3 weeks passed, then now i have received one more letter from them to call them urgently to resolve as they tried to resolve this case. First of all, I disputed and they failed to provide me with the proof and validity and their connection with the original creditor. They threaten me also voilated by calling me multiple times then it stopped but last time they called when i clearly mentioned al communication in written as my right. Then they started bashing out and said you are this and threaten to take action. funny thing is that there employees can not take control of this small small tasks, how come a company owner saying i am the owner and i do all the work lol it is funny to me, that means the workers are stupid and not capable of handling an danswering and resolving and seeing the case. Why the owner of the company will do basic paper work job and call like a customer service that is strange to me. They also have mishandling and putting false claims on other people and there are reports on betterbusiness burea. Anyway i have my proof of recording of leaving them message to just send everything in written and they still voilated it. Also I have the recording of the person who said I am the owner and i will report it right away and shut the phone and was not even listening.They need to know they have to pay for the compensation and my waste of time if they plan to drag it further. Also they need to stop this immediately otherwise I will report them.
10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 199XX	Web	Servicemember
We were charged a fee of {$1100.00} as a cancellation fee and should not have been charged. We had no valid contract with the XXXX XXXX company at the time of cancelation and they were given notice of cancelation of services. This company is charging people based under a hidden renewal clause ( Evergreen Clause ) and they do not make the consumer fully aware of this nor do they notify the consumer that they will be auto-renewing their contract once it becomes expired and give them notice as noted by law either via email or written notice which they did not do. I disputed this charge as soon as I got it and had numerous emails back and forth with not only the XXXX XXXX company but also their collection agent A. XXXX from XXXX XXXX. And made both aware of the situation. As of XX/XX/2018, @ XXXX XXXX was given notice via email of release and full credit back of {$1100.00} and zeroing out the balance by the XXXX XXXX agent ( XXXX XXXX ) per our conversation on the phone on XX/XX/2018 and also in an email which I requested. Forward to this date XX/XX/2018and I happen to run a check on our credit reports a few days prior and this very figure was on a bad debt and listed as in collections on our report, hurting our credit. I've notified both agents at their agencies via emails ( several times ) and a phone call to XXXX XXXX ( no answer left v/m ) and the collection agency will be notified as well via phone call that this is to be removed immediately as it should never be listed on there, to begin with. I've had no response from my emails with further leads to my feeling that they did this deliberately. This has been on our credit report at least from the date of XX/XX/2018 or before and hurting us credit wise. This should have never been listed, to begin with, as it was in dispute from our notification from the collection agency and then later resolved and credited by XXXX XXXX. I have all emails detailing this and phone conversation as well. I called numerous times both XXXX XXXX and notified the collection agent to dispute this as soon as I was notified of the issue via mail to dispute it prior to being resolved. I feel that this company and the credit agency have done this deliberately and I also noted to them that the XXXX XXXX company has many complaints of such behavior listed online and reeks of fraud toward the consumer in their practices. XXXX XXXX admitted to me during a phone conversation that they have had many complaints about their contract practices himself. I also had other conversations with other personnel that the contract was incorrect when I've spoken to them in the past, prior to speaking with XXXX XXXX, during the time trying to get this resolved. I would appreciate some help with this issue and they need to be aware that they can not just treat the consumer this way. Please see attached email from XXXX XXXX Agent representing XXXX XXXX resolving us of any debt owed and credited back and zeroing out any debt balance etc. Given their past history of lack of follow through I feel they need to be overseen by an agency to ensure that we have no further issue.
08/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web	Servicemember
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
08/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75214	Web
The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.
03/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32835	Web
XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.
06/10/2015	No	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	CA 91401	Web
Today my husband XXXX XXXX, received a disturbing call from XXXX with Bilateral Credit. XXXX NY Bilateral Credit XXXX, Ext XXXX XXXX advised him he was calling re a debt incurred over 2 years ago with XXXX XXXX XXXX XXXX My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. Please respond with any requests for documents or call history records as necessary.
08/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77373	Web
I have repeatedly received harassing calls from Mr. XXXX at Bilateral credit telephone number XXXX ( reference # XXXX ) representing XXXX a former company I worked for on charges that I expensed or was trying to figure out why they were not expensed and paid for and he : 1. Used scare tactics and threatened to ruin my credit 2. Threatened to take legal action 3. Left a very abusive voicemail transcribed here : " You have no intention, no integrity, no morals in resolving this on a voluntary basis. Please be advise this has been reported to your credit and will remain there for 7 years. Collection activities will continue, this does not go away '' I feel threatened and upset at the fact that this person in questioning my character and making assumptions based on a debt.
12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78728	Web
My last day with XXXX should have been XX/XX/2021. Due to some internal technical error I kept receiving a full pay check. I believed the check dated XX/XX/2021 was my final check. When I continued to receive checks I notified my XXXX team lead, manager, and XXXX members of XXXX. This continued until they had direct deposited over XXXX. I make the following claims XXXX : I never entered into a written agreement with XXXX for them or their assignees to be able to make any claims against my credit score XXXX : I maintain that I did my due diligence in reporting the technical issue to XXXX as soon as I realized there was a problem. Their inability to correct this issue is not my fault and I in no way should be liable for their mistakes.
04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95134	Web
XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. This is my last attempt to escalate this before I take legally action.
01/06/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91335	Web
Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. this complaint is in connection with XXXX
08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NC 276XX	Web
XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.
08/03/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53223	Web
There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.
11/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89142	Web	Servicemember
I settled on a judgment in 2007. The same company has filled the same judgment seized my XXXX account for the exact same judgment. I suspect that is happening to other people who dont know. But not limited to people who died from XXXX and its variance.
08/20/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
01/29/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NE 68116	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36264	Web

12/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 07701	Phone

09/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10024	Web

06/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11542	Web

06/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11542	Web

03/03/2023	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	PA 18042	Web

03/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10024	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IL 60402	Web

11/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11236	Web	Servicemember

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06002	Phone

07/19/2021	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	CO 80401	Web

06/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90260	Web

03/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10804	Web

03/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10804	Web

04/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48451	Web	Older American

04/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48451	Web	Older American

01/04/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 91335	Web

12/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91360	Web

12/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 91360	Web

09/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90069	Web

06/06/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11104	Referral

05/28/2015	Yes	Payday loan	Payment to acct not credited	CO 81212	Web