| 12/06/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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The company name is XXXX or XXXX XXXX XXXX The original company is XXXX XXXX /XXXX XXXX.
This account has been given away twice again with no correspondence to me at all XXXX has called me over and over and over and always from a different number I had a XXXX XXXX call me over and over again with out leaving a company name or what it was in regards too. They called again XX/XX/XXXX and this time it was a XXXX XXXX Got me on the call with XXXX. He was a fast talker, VERY RUDE and hung up on me 3 times with no information yelled at me and was very disrespectful. I apparently had a debt with a pay day loan company and I was trying to explain to them I had no knowledge He would n't give me any info and said it was up to me to prove it and he was n't sending me ANYTHING. So I called back 3 times and finally got someone to give me the answers apparently they were sending mail to not only an old address but the current address they had was incomplete no apt number so I never received any correspondence. I called the pay day loan place and they sold the account, to these people I called again today and was met with such disrespect. I let them know I spoke to the pay day loan people and they let me know what was going on and I explained that from XXXXcurrent I have been a XXXX patient and that is why I had not been making payments, missing work, and paying bills on the little I had. XXXX began again to cut me off not listen and also told me I was using my XXXX as a crutch. No sir It was being used in my explanation. He was demeaning and disrespectful and wanted ME to apologize to him!!!! all while talking over me! for what for asking what they were calling for, for asking what this was about, for asking for proof!!!! I made an arrangement with them after he said they could split it over 3 months which he could have just told me yesterday. I asked to speak to a supervisor and it was a disaster no listening told me XXXX had nothing to do with this debt. Which I understand. But to tell me my illness is a crutch when I am working every day is an insult then XXXX saying " I have people in my family that have XXXX '' does n't make it better. HE needs to be dismissed He is rude. Talks over you and when I asked to listen to the recording they had of me " cursing them out '' he would n't cooperate. So Lawyers will be getting involved for slander and defamation of character for something that did not happen on XX/XX/XXXX. He also said today that my XXXX had nothing to do with the loan and asked me if I had XXXX why was I so mean and rude. Well sir I called you all 6 times yesterday and out of the 6 I was hung up on at least 3-4 times so that recording you have of me calling on XX/XX/XXXX needs to be heard so that they understand how they treat their customers. He was quick to say see you in court. Without OFFERING A SETTLEMENT OR EXPLAINING ANYTHING. Never been so disrespected in my life.
XXXX stated XX/XX/XXXX " I am not sending you anything " yelling at me the whole time said by denying I knew about the debt I was insulting him and his company and said I cursed at them on XX/XX/XXXX which I did not. He said the call was recorded. Someone needs to listen to those phone calls where I had to call back multiple times just to be hung up on and then he said I hung up on them!!! No I did not at all and the recordings will prove that.
XXXX needs to apologize, Someone needs to listen to the " recordings '' he has of me being hung up on 3 or more times. I never cursed anyone out. He is condescending and very rude. Today was the last straw. They either need to cut my payments in half or Dismiss XXXX, XXXX, and the Supervisor I spoke to. When you call all you hear is the radio in the back ground and before you can speak the receptionist hangs up on you the number I dialed was XXXX also XXXX also the call came from XXXX I have been ran through the ringer with them and they were NOT friendly and put me in a category with people that do no pay bills. I spoke to the loan place and they did say I was making constant payments and they just stopped. Reason being I was in and out the hospital and when you have an illness such as I do your mind is usually focused on NOT XXXX! BUT, per XXXX that has nothing to do with anything.
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| 12/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have repeatedly tried to fix this problem with XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
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| 08/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I have been getting phone calls on my personal cell phone and at my place of business, but no one leaves a message. Today, XX/XX/XXXX, I tried to contact the phone number on my caller ID to see if who the person was that continued to call on a daily basis and to see if I could resolve why they were calling and to cease the calls at my office in order to prevent getting fired. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) and a voicemail message told me I had reached the desk of XXXX XXXX. I left a voicemail message for the person to call me back. XXXX returned my call on XX/XX/XXXX at XXXX XXXX. First, when I answered the phone, she never disclosed the company she worked for or said if she was recording the phone call. I had to ask who she was and she explained she works for XXXX XXXX and she works for legal and the original creditor is XXXX. She told me the amount of the debt owed and I acknowledged I know about the debt ; however, I explained I couldn't pay it in full today but was interested in settling this debt with a payment arrangement. I explained that my husband is out of work and he is not collecting unemployment so I am the only household member working. She said this is excuse and she wouldn't accept it. She told me I could set up a payment arrangement of {$200.00} per month to be paid to her directly. I told her I couldn't afford {$200.00} a month, and asked if we could discuss what I could afford. The woman wouldn't permit me to talk. She was talking over me and was threatening that if I didn't handle this, she was going to garnish my wages up to 70 % of my paychecks. She asked how XXXX was going to feel about this and I asked her what was she talking about. She said who is XXXX XXXX to you? I told her she is my co-signor on my car loan. She said she was going to call her after our phone call. She also said she had the power to get my car loan rescinded and they'll repossess my car. She said she could do this because I bought the car in XXXX, XXXX right after I took the loan out. I corrected her and said I purchased the car in XXXX, XXXX. She would not permit me to talk and said I was becoming agitated and refused to speak with me and she was just going to have to send a summons to me and hung up the phone. I ran to my husband in another part of the house and was crying because I was afraid. The impression this woman was giving was she was going to call my co-signor and continue to call my work and make my life XXXX until I paid this debt to her. When I was trying to explain this conversation to my husband, she called my cell phone again at XXXX XXXX and my husband answered for me. The woman asked who he was and he said he was my husband and that I had asked for him to speak with her. She asked what my last name is and he told her. She said according to my Social Security Number, I am not married and she refused to believe he was my husband. He hung up on her when she continued to argue with him. She called my phone again at XXXX XXXX and I sent it to voicemail. She then tried again at XXXX XXXX and again, I sent it to voicemail. Then she somehow got my husband 's cell phone number because she called him and continued to argue with him that she was going to take legal action against both of us. He told her she was using illegal tactics to collect a debt and he asked for her information and told her to cease and desist in the communications and she hung up on him. I have now blocked the number on my cell phone, but I am still at the mercy of them exposing my personal business by calling my office. I am scared now. I fear that my employer will fire me for the excessive phone calls on our office phones. I fear they have the power to have my car taken.
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| 03/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Sent to plaza services llc who sent a fraud account with my name on it to a collection company.
Subject : Fraud account- attn : XXXX XXXX XXXX XXXX current Compliance Officer Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Fraud account- attn : XXXX XXXX XXXX or current Compliance XXXX To : Plaza Services Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Subject : Fraud account dispute Summary : recently you turned over an account to XXXX XXXX XXXX your company has for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00}.
This loan was obtained and money sent to an account at XXXX XXXX with the account number ending in XXXX.
Details supplied by your company : This account was placed with XXXX for collection by the current creditor, Plaza Services , LLC, on XXXX XXXX XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a XXXX XXXX XXXX Bank account ending in XXXX.
Dispute with your company : This is not my debt.
I never applied for any loan by phone or any pay day loan.
I spoke with XXXX XXXX XXXX XXXX representatives on XXXX, gave them my name and Social Security Number ( SSN ). They scanned their entire database of accounts both open and closed using my SSN and found NO Accounts with my SSN.
Conclusion : I verified that I never did business ever with XXXX XXXXXXXX XXXX
The account ending with XXXX is Not my account and you too can verify by doing the same thing.
Please mark this account at your company as Fraud and please stop passing this account to collection companies since this contains incorrect information as a result of Identity Theft and does not pertain to me.
I never received Any email telling me that your company had turned over this account to collections or that this fraudulent debt ever existed. I just this week found out via a credit report red flag on my credit report.
Once again- this debt is Not mine and the info contained in your report does Not pertain to Me. It must be the result of fraud and/or Identity theft.
I was a victim of three separate data breaches in the past 10 years- XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and have credit monitoring turned on for most of the credit rating companies.
XXXX XXXX XXXX How to report fraud | Privacy and Security | XXXX XXXX XXXXXXXX Actions Taken : I filed the dispute below with XXXX XXXX XXXX, Federal Trade Commission, police report with XXXX XXXX police on XX/XX/XXXX.
the main headquarters located at XXXX XXXX XXXX. XXXX, XXXX, Ohio XXXX.
The XXXX XXXX sub-station may be contacted at XXXX. The main headquarters may be contacted at XXXX.
a formal report of fraud and identity theft at IdentityTheft.gov, a complaint with the XXXX XXXX XXXX, a dispute with XXXX and XXXX.
The details and history of this report from the Federal Trade Commission ( FTC ) follows- i have in turn supplied additional feedback on this complaint of fraud and identity theft.
Your cooperation in this matter is very much appreciated!
XXXX XXXX XXXX XXXX XXXX
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| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Plaza Services LLC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Plaza Services LLC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Plaza Services LLC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Plaza Services LLC. Providing that Plaza Services LLC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XX/XX/XXXX i received credit monitoring notification 2 accounts had been reported to my credit XXXX XXXX for {$1800.00} & {$2400.00} i called the creditor immediately asked about these account that were reported, i was asked my name/ssn and was also told they were not able to locate any accounts for me. i then asked how can this have been reported if you do not even show accounts for me. i was then told by XXXX XXXX to contact my police dept for fraud, i said how am i supposed to do that when i don't even know who you people are. i hung up and called XXXX, i disputed the accounts. detailed my conversation with this lady at XXXX XXXX that refused to give name.
30 days later in XX/XX/XXXX both accounts came back as being verified as accurate..
i than called XXXX and questioned how this was verified when XXXX XXXX did not even have accounts for me. they said they verified as accurate. i then asked for validation/ or any info that was used to verify this debt and was told i needed to contact the collection agency.
XXXX XXXX and XX/XX/XXXX i contacted XXXX again, asked for supervisor, was being yelled at on phone. i also tried to explain the reason for my call and was hung up on.
the next day i called back, asked if ( she ) they never give names, was able to search my ssn/name was told again, no accounts for me. so i questioned again how can this be and this company still report to credit. she was not able answer with a clear explanation, and i got frustrated, i asked to speak to a supervisor was hung up on again.
XX/XX/XXXX i made a call to XXXX advised i was trying to figure out how to get proof of this debt. advised of previous dispute out come, also advised interaction with the collection agency. i was told by supervisor XXXX at XXXX they submit the dispute to the creditor via XXXX XXXX and they verify it. i asked what documentation as used to validate this, he said none, XXXX DOES NOT verify validity of debt disputed, i asked how that can be when my dispute was specific to account not being mine. he said all he could do was document the accounts for XXXX XXXX send dispute again. that did not work the 1st time, so i can imagine would not work again.
now to my understanding of credit reporting/validation of debt is part of the FDCPA also requesting validation and it not being provided is a violation. i have disputed things before was was always sent a validation notice/ with proof of debt so i am not understanding how this has remained on my credit even though i have yet to receive the proof of debt. i called the original creditor " XXXX '' and was told they do not show me on their system, i was then asked to call corp XXXX XXXX XXXX i did that today XX/XX/XXXX and they have no record of my name or ssn. i want this removed off my credit. i have no clue who XXXX XXXX is or XXXX XXXX
|
| 11/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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On Tuesday, XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX, on behalf of Plaza Services Inc, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about XXXX or that he was called on behalf of Plaza Services. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved.
XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( Plaza ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " XXXX '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to XXXX ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me.
After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and XXXX ' director all took place on XX/XX/2021.
|
| 08/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported.
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts.
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file.
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy.
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General.
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.
|
| 06/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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I took a loan from XXXX at the end of XX/XX/2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments.
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XX/XX/XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " XXXX XXXX '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in XXXX XXXX and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you.
*Update * I just went through old emails and found that the account was sold to Plaza Services LLC in XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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2 loan companies ( XXXX XXXX, XXXX XXXX, addresses below ) and two credit reporting company ( XXXX, XXXX ) are involved.
This was a request to XXXX XXXX and XXXX XXXX to remove from XXXX, XXXX, and XXXX a loan reported for {$310.00} in XX/XX/XXXX, and taken to collections in XX/XX/XXXX. A request for removal of the loan from my credit report was made to XXXX, which was denied despite evidence the loan was fraudulent. The loan was fraudulent, was a result of XXXX XXXX obtaining a frozen credit report, and has been reported to the FTC. A police report was filed.
A request for my frozen credit report was requested from XXXX by XXXX XXXX in XX/XX/XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX ). XXXX XXXX is a over-the-phone loan service providing loans to low-credit distressed customers at high rates. XXXX provided XXXX XXXX with a copy of my XXXX credit report, which includes social security numbers and personal information, despite my having a credit freeze on XXXX reports.
The same month, XX/XX/XXXX, an account was opened in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge.
The same month, a loan was taken and a new loan account was reported in my name and social security number by XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit C ). This was not me and opened without my consent or knowledge.
The XXXX XXXX was never paid, and was taken to collections by XXXX XXXX for an outstanding balance of {$310.00} ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX ) in my name and social security number as known to XXXX XXXX in XX/XX/XXXX, as reported by XXXX ( see Exhibit D ).
Fraud alerts were filed, one with TXXXX ( see Exhibit E ), one with XXXX ( see Exhibit F ), and one with XXXX ( see Exhibit G ).
XXXX failed to show that identification had been provided in making the loan, and refused to correct the record. There has been no response from XXXX XXXX or XXXX XXXX.
A police report was filed.
In summary, the XXXX XXXX loan and the XXXX XXXX accounts were the result of credit fraud of an unknown party, and not by any knowledge or action by me or my family. This information is provided so as to obtain a police report, that can be used in the clearing of this fraud from my credit history.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dated XX/XX/XXXX XXXX
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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Original loan with XXXX. Debt was sold off to XXXX ( A.K.A. Plaza Services at phone # XXXX XXXX ). I called XXXX to request settlement offer to clear debt and XXXX referred me to collections company XXXX who owns the debt now ( verified on my credit report. Representative ( XXXX also stated she is a manager with XXXX and one of the policy makers on no settlement offers ). I requested a settlement offer from XXXX at XXXX and was advised that XXXX ... /Plaza Services is not a debt collector but a debt buyer. I asked if I could get a settlement offer to close the debt out and was told by XXXX they do not offer settlements since they are not a collection agency but they would take the entire amount owed on the account they purchased. I told XXXX my credit report is showing that Plaza ServicesXXXX is the collection agency to contact to resolve the account. XXXX advised me that XXXX/Plaza Services is not a collections business and my account is in a holding status with thousands of other accounts until XXXX gets it assigned to a collection agency. I asked who the collections agency was and XXXX said it has not been determined yet. I asked how can XXXX accept money from me for a full pay out or as XXXX suggested to set up payment arrangements when XXXX is not a collections agency. I asked why would accounts be in a holding status preventing the consumer from closing the account through a settlement. None of XXXX answers were consistent with other agencies. XXXX advised me that I could not speak to anyone above her management level to get a deeper understanding of why the debt could not be resolved through them versus waiting until XXXX removed the account from a holding status. What struck me as odd was XXXX at XXXX was the customer service representative, the office manager and decision maker, and an author or the company policy on no settlement offer. It appears strange that XXXX is doing business as a debt purchaser and is indicated on my credit report as a collection agency and will not negotiate a settlement on a debt they own per their policy. 1. Are their actions legal or within guidelines? 2. Are they splitting hairs to meet their need to make more than their share of money off of consumer debt without oversite? 3. Why can I not settle my debt with a company that owns it? Does this fall under the fair credit act?
This experience does not appear to be a proper way to handle consumer debt
|
| 04/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XXXX XXXX XXXX XXXX i checked my XXXX credit report and saw that a new collection was placed on my report from XXXX XXXX XXXX for {$310.00} showing an open date of XXXX XXXX XXXX stating original creditor XXXX XXXX XXXX . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent XXXX XXXX a Debt Validation letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with XXXX . About a week later i received a letter from XXXX stating the debt was " verified as accurate '' even though i still had not received anything from XXXX XXXX . So i contacted XXXX by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received XXXX separate letters from XXXX XXXX The first letter dated XXXX XXXX XXXX was a XXXX ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed XXXX XXXX XXXX was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On XXXX XXXX XXXX XXXX wrote to XXXX XXXX again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on XXXX XXXX i received a letter from XXXX stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from XXXX XXXX I have since mailed out to XXXX through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my XXXX XXXX since it is showing as a recent collection from XXXX XXXX . I am filing this complaint in hopes i can remedy this situation as quickly as possible.
|
| 05/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Plaza Services opened an old closed/paid account and marked it as delinquent on my XXXX Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since XXXX XXXX a mysterious payment from Plaza Services appeared as a collection on my XXXX report. I check all my physical mail and email, I never had any collections or payments due to " XXXX XXXX XXXX '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back. 3RD Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last 4 of SSN just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with XXXX XXXX XXXX , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do XXXX knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called XXXX and had this company flagged on my account also disputed the charge. I also called XXXX XXXX XXXX to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
|
| 06/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
Servicemember |
|
I GOT A MESSAGE FROM MY PREVIOUS EMPLOYER SAYNG A THE NUMBER XXXX LEFT A MESSAGE FOR ME.
I CALLED THEM BACK AND ALL IT SAID WAS THE PERSON AT THIS EXT IS NOT AVAILABLE AND I COULD NOT LEAVE A MESSAGE.
A FEW MOMENTS AGO I GET THE SAME NUMBER CALL ME AND I LEAVE MY DESK TO ANSWER THE CALL.
SHE SAYS SHE IS FROM XXXX XXXX XXXX AND HER NAME IS XXXX XXXX. I VERIFIED MY LAST 4 BUT DID NO VERIFY MY DOB UNTIL SHE TOLD ME WHAT THE NATURE OF THE CALL WAS. SHE THREATENED ME SAYING THERE WAS PENDING LEGAL ACTION IN HER OFFICE AGAINST ME.
SHE THEN PROCEEDED TO TELL ME THAT XXXX XXXX WAS TAKING ME TO COURT TO GARNISH MY WAGES AND THEY WERE THERE TO TRY AND HELP WITH A PAYMENT PLAN.
SHE SAID THE BALANCE WAS OVER {$4800.00} AND I SAID THAT WAS INCORRECT. SHE MENTION THAT WITH THE FEES THAT IS THE AMOUNT. SHE SAID THEY WOULD OVER A SETTLEMENT FOR A LITTLE OVER {$3000.00} AND i SAID I WOULD BE INTERESTED IN THAT BUT WHAT WERE THE PAYMENTS AND THE PAYOFF SCHEDULE.
TOLD HER I COULD NOT PAY ANYTHING RIGHT NOW AND SHE SAID WHAT ABOUT BY THE END OF THE MONTH. I MENTION I JSUT STARTED BACK WORKING FULL TIME AND I COULD ONLY DO ABOUT {$50.00} END OF THE MONTH. SHE SAID THEY WOULD NOT ACCEPT THAT BUT SHE COULD CONTACT XXXX XXXX TO SEE WHAT THEY WOULD EXCEPT.
I TOLD HER I NEEDED TO CALL THEM BACK BECAUSE I COULDNT NOT CONTINUE TO BE ON BREAK THIS LONG ( ALREADY 6+ MINUTES ) AND SHE SAID-WELL I WILL TELL THEM TO PROCEED WITH THE JUDGMENT.
I TOLD HER OKAY.
THROUGHOUT THE CALL I MENTIONED TO HER NOT TO CALL MY OLD EMPLOYER OR ANY REFERENCES AND SHE CLAIMED NO ONE HAD AND I KNOW THEY DID. I TOLD HER ONLY CONTACT ME ON MY NUMBER WHICH I VERIFIED OR EMAIL ME. I ALSO ASKED FOR A COPY OF THE STATEMENT AND SHE CLAIMED THEY HAD BEEN SENDING ME NOTICES. I HAVE RECEIVED EMAILS BUT NOTHING IN THE MAIL. SHE SAID IT WAS THEIR WORD AGAINST MINE.
I TOLD HER I WOULD NOT GIVE MY EMPLOYER INFO AND SHE SAID THAT IS FINE BECAUSE WE ALREADY HAVE IT. I TOLD HER AGAIN TO NOT CONTACT MY EMPLOYER PAST OR CURRENT.
|
| 01/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was contacted on XX/XX/2022 by XXXX a third party collector for Plaza Services. Plaza services is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX that when I pay the debt they will notify Plaza who will then notify XXXX to update the tradeline as paid. Due to this agreement that XXXX was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay Plaza they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX used incorrect collection practices and they need to rectify this issue.
|
| 02/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.
|
| 02/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/2020, my sister had messaged me saying that she had received a phone call from a lawyer looking for me and that I was a suspect in a crime. My sister called me and we spoke about this also. She said that the woman said her name was XXXX and she was looking for me because my name was put down as a suspect for a crime committed. I called the number that called my sister and immediately I was asked to verify the last four of my social. I do not even know who I am speaking to, I told the woman. She stated her name and said she was a debt collector and was calling about my debt, which is wrong in amount, to XXXX. I told her the amount was incorrect during this phone call and she did not seem to care. I filed a complaint with XXXX, also. I explained to her my circumstances and I explained to her also that XXXX promised to reduce my owed debt to my original debt of {$1000.00}. She did not care. I also asked why she was calling my family and lying about who she is claiming that she is a lawyer and I am a suspect in a crime. She did not have much to say to this. This violates Section 807 of the Fair Debt Collection Practices Act. She also never informed me, like every debt collector has to, that I have 30 days to dispute the debt. After speaking with her and getting nowhere after telling her my circumstances, my dad calls me and tells me the same thing. That a lawyer called looking for me because I am a suspect to a crime. Then my grandmother had said that the woman called her also, claiming to be a lawyer on the voicemail and said she needed me or my lawyer to contact her to settle the matter. This is in total violation of the FDCPA. This woman was rude, and she has harassed my family and lied about who she is and what she is calling for. If this woman making false representation does not get taken seriously, I will be taking further action also. XXXX sees all and knows all.
|
| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company is harassing family right after having verified my location, making threats and leaving personal data plainly for others to hear.
XXXX XXXX of XXXX XXXX XXXX but then XXXX at XXXX its very unclear.
XXXX Ext XXXX Information : On XX/XX/2020 I received a missed call on my cell phone from this company with a number of On XX/XX/2020 I received a missed call on my cell phone from this company ( at phone number XXXX ), followed by a forwarded voicemail from my mother as they called her right after. Someone named XXXX XXXX called from XXXX and very quickly with no discretion he said my full name on the voicemail and that he was calling about a debt I owe, said where I worked, and that his company was going to garnish wages from me. This is what he said upon the very first time this company ever contacted me, and in voice messages to my family upon first contact.
I then called him back on my cell phone and spoke to him, verified my location and phone number and that he successfully contacted me. I was very friendly and told him I needed to verify the matter and would get back to him. He was extremely rude and laughed at me.
He left a message the following day threatening legal action at XXXX.
36 hours later on XX/XX/XXXX, he called my mothers phone again at XXXX and left a voicemail which said my name and that I owed a debt and that his company was threatening legal action. She played me this message.
I contacted him to let him know please give me a few days to look into this matter and that he only needs to contact me through my phone number and address, no one else as he already verified my location. Its my understanding that they can not continue to harass my family especially when they know how to reach me and Im in contact with them, especially leaving private information on messages. This seems like just bullying on his part.
Thank you, XXXX XXXX
|
| 04/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This debt appeared on my credit report in XX/XX/XXXX under the name XXXX XXXX XXXX XXXX. I contacted them to find out what the debt was as I had no knowledge of this account. They stated the debt was from an account XXXX XXXX XXXX. I had made them aware of my last contact with check into cash in person and of my payment to them which XXXX confirmed they saw. They then stated this appeared to be an online transaction after that date and I let them know I did have an incident of fraudulent activity after my last contact and it was noted on all accounts and my credit report for the last 7 years. In the same instance, all my checking accounts and credit cards during that period have been closed and I do not have records. I found it interesting this appeared after that note was no longer on my report. They then offered to validate the debt which in XXXX of XXXX, they sent me a letter stating they were unable to validate the debt and was removing the account from my credit report. I just opened a letter from Plaza Services LLC. stating I needed to provide them with a " voluntary '' identity/theft report on this same account. The letter enclosed was dated XX/XX/XXXX. I called them today and they stated XXXX is their affiliate for payments and they are the parent company. That they do not count the debt as being not validated and again I HAD to send the voluntary information in. I did inform them this account had been removed by XXXX from my credit report. It is not showing on my credit report at this time. The representative did not want to put in my request for validation of debt. In response I have sent an email requesting a validation of debt from them since they stated XXXX was not them. However, I am confused why they stated they are the parent company of XXXX and that if I paid XXXX it would be accepted but XXXX saying the debt was not validated is NOT accepted.
|
| 03/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
In XXXX of 2017 I entered into a payoff agreement with XXXX. This was to split my balance owed of XXXX into 4 payments of around {$260.00}. I have successfully paid cash advance debts to this company in the past without any problems. The first payment came out as expected with no problem. I then received phone calls saying that I didn't have the funds available and my payment bounced. This was not true and the payment came out with no problem and I have proof that it did. I explained this to the lady at the local office and she said they were having problems because they updated their system. I also spoke to someone in the collection department and she had me fax my proof which I did several times and then she said they wanted my full bank statement and I also faxed that. I soon started receiving collection calls and I saw they still didn't show my payment and added a fee on top of that making the balance {$1100.00} when I only owed {$850.00}. I said I would pay the {$850.00} if they corrected the amount.
I had not heard from them in a while and I saw on my credit report that they sold the debt to a company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and they are reporting I owe {$1100.00} I sent them a letter with my proof and they have not replied nor have they adjusted the amount and I also notified XXXX XXXX and enclosed my proof which is my bank statement with the payment clearly labeled XXXX taken out as I said and XXXX XXXX responded and sided with the company saying the debt is valid. I am aware I owe them {$850.00} but not {$1100.00}. I do not know where else to turn and I don't see how they could possibly dispute my bank statement proving this. I have been trying very hard to keep my credit clean and I am very upset with this situation and any help you could offer would be greatly appreciated.
Thank You, XXXX XXXX
|
| 06/25/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I contacted Plaza Services LLC XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX on XX/XX/XXXX. We made a settlement agreement in the amount of {$3800.00} regarding a debt in the amount of {$6800.00} with the original creditor being XXXX XXXX.
I made the {$3800.00} payment on XX/XX/XXXX with my XXXX XXXX debit card ending in XXXX. I was told that the debt would show a status of settled for less than original amount and the account balance would be {$0.00} after Plaza Services ' next credit reporting cycle.
I checked my credit report today, XX/XX/XXXX. Plaza Services reported on XX/XX/XXXX reflected my payment of {$3800.00} showing that I still owe 45 % of the original debt.
I called Plaza to discuss why it does not reflect a XXXX balance on my credit report. The manager that I spoke with was very rude and lied to me stating that they had not reported my payment as of today 's date.
I tried to explain that I was looking at the report while speaking with her. I asked why she was rude every time I spoke with her while trying to resolve a debt. Her response was that I was simply not getting the answers I wanted to hear. When I tried to explain that she did not answer my question she said " OH MY XXXX ''. I informed her that my calls were recorded and she hung up on me.
I resolved multiple debts with other creditors the same day as Plaza services. I was never spoken to or treated negatively by any other creditor the way that I was by Plaza services.
I have documentation of payment in the amount of {$3800.00} as well as proof that they did report on XX/XX/XXXX and that they did not honor the settlement agreement. I also have all calls recorded of communication with Plaza services.
I am also filing a complaint with the FTC regarding FDCPA violations. I will forward the complaint number when I complete the process.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is Plaza Services LLC Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance.
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts.
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}.
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX.
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
|
| 09/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PLAZA SERVICES # XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2017 Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$700.00} Date Updated : XX/XX/2017 Original Amount : {$700.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Dear Consumer Financial Protection Bureau : I am disputing the collection account noted above. I have never received any communication from this company. I have reached out to the original creditor, XXXX XXXX XXXX asking them to provide documentation of this debt and have not even received a return phone call.
Under the Fair Debt Collections Act, I should have been given an opportunity to reach out to the collection agency and dispute this debt before it was entered on my credit report. Since Plaza Services, nor XXXX XXXX XXXX, contacted me I did not have an opportunity to validate and dispute this debt.
Please have this item deleted from my credit report. Once I was made aware of this entry on my credit report, I contacted the collection agency, Plaza Services, and they could not provide me any information over the phone. I asked the representative to send me documentation showing they are authorized to collect and to verify how I owe this debt and they refused. I am seeking your assistance to please verify the existence of this debt and any correspondence this company provided prior to this entry being entered on my credit report.
It was recommended by the Indiana Secretary of State 's Office to reach out to you for help with this matter as it potentially violates my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Regards, XXXX XXXX XXXX XXXX
|
| 01/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and XXXX XXXX improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from XXXX XXXX, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the Plaza Services, LLC, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, Plaza Services, LLC has purchased the so-called XXXX XXXX loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, Plaza Services , LLC .
|
| 07/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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Plaza service called me on the phone in XXXX of XXXX wanting my personal information to verify a debt from XXXX XXXX XXXX XXXX. They stated XXXX XXXX hired them to collect the debt. I refused to give my personal information to them. A week later plaza services put the debt on my XXXX XXXX report for {$3600.00}. They never validated the date. I sent them a certified validation letter on XX/XX/XXXX asking them to validate the debt. In XX/XX/XXXX plaza services had a company to call me and threatened to file a judgement against me. I never received anything in writing from them. They only called me on the phone. XXXX XXXX XXXX is also on my XXXX report. If you look at what plaza service is reporting and XXXX is reporting the dates of when the account was opened do not match and when the last payment was made do not match. I have also been disputing this account for a while with XXXX because I am a victim of identity theft. Plaza services did not list on the credit report that I have disputed the account with them as well. I hired a credit repair company XXXX XXXX to dispute the account. Ive never made a payment on the account. On the credit report it reads that the account was paid on but it was not by me. In the validated letter mailed to plaza service I asked them to provide what bank account was used because it definitely isnt my bank account. The account is from XXXX which is when I misplaced my social security card and driver license. I would like you to help me to get this account removed from my credit and stop plaza services from harassment/threatening me to file a judgement.
|
| 12/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
a phone call I received on XX/XX/XXXX. When you indicate you will take my XXXX XXXX XXXX if I park it out front and garnish my pay.
He knew my name address and telephone number and said I need to pay my bill and he said he had my file and ran off a list of billing and payment from XXXX loans.
I I indicated, I believe I paid that off and what was the payment amount of payment or last payments and he indicated I got your file and he stated a few {$200.00} payments.
I was under medication and indicated if I caught thieves trespassing on my trying to steal my property I going to shoot at them and not taking threats and hang up.
I then called back and ask them to sent me someone by email as he indicated he'll have a settlement amount and I can make payments.
Defendant needed to verify debt. As I have had ID theft and has had collection attorney executing process of service, that I were not served also have paid bills in collection.
Further, Plaintiff has not responded to my XX/XX/XXXX request and offer of payment reductions upon the documentation provided ( see attached ) from 1st, 2nd, and 3rd ect., parties.
Have no verification of account as Its hard to keep safe once they get your information out there, because in today 's ' reality, people/collectors gather information to sell, Steal, Discriminate and Collaborate with third, fourth, fifth, etc. party in violation of numerous State and federal violations FCRA, FDCA, ECOA et., al XXXX
I got the email and presenting to you in complaint.
My XXXX XXXX went up to XXXX as I was injured in an accident.
|
| 08/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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A small claim was filed on XX/XX/2023 appointment XXXX XXXX XXXX being plaza services , LLC the assignee of XXXX XXXXXXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Plaza services , LLC claims to be a business of purchasing XXXX debt and is the signing of the original consumer loan between XXXXXXXX XXXX XXXX XXXX and XXXX the consumer loan is identified as account number XXXX assuming the account number has XXXX digits only. They also coin that high defaulting on the terms by failing to make payment on the XXXX XXXX account when do you. They also say the last charge or payment to the account occurred within XXXX years of filing this action. They say the current balance due XXXX the date of filing including any and all occurred interest is {$1700.00} beer they say that I refuse to pay this debt despite dude demand XXXX Plaza services LLC I would like to have all information verified and submitted as in person on our schedule court date, with a validation letter, when a lawyer review this this information prior to the imitation date. Please include all that is needed to verify the account and most importantly the amount of XXXX as I believe this is an error.
I would also like to see an itemized Receipt of my debt being purchase directly from the original debate collect. If this all information are correct I will pled guilty if not I will counter sue for loss wages, research, gas, and other expenses.
I get paid about XXXX an hour part time, receive XXXX, and building for a better future for me, you, and our people.
|
| 05/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In XXXX, I called the company to set up a payment arrangement on my balance. The message stated Please hold while we connect you to a representative and did not say anything about calls being recorded. I spoke with representative XXXX who did not verify my identity before disclosing the debt associated with my phone number. She also did not inform me the call was recorded. They transferred me to a representative who actually sets up the payments who informed me THAT line was recorded, so I asked if all of them were and he said yes, so I asked to be transferred to a Manager. I spoke with Mr. XXXX, XXXX, who began to discuss the debt with me STILL without verifying or giving a call recording disclaimer. I informed him this was all in violation. He put me on hold to listen to the call with XXXX and came back having verified what I said to be true. I informed him I wanted the matter removed from my credit and that thrown out. He declined. I said I would have to consult my attorney then over the FDCPA violation prior to proceeding with any payments. I verified with him that the calls are recorded and would be available for further inquiry, based on my telephone number.
- Later, on XX/XX/XXXX and receiving no further contact from them, I called back and a representative, XXXX stated the account was no longer in their system. It was still on my credit, so I disputed it, but it was validated, even tho the rep had stated there was no account there for me. All of this very frustrating and unprofessional behavior that violates my rights.
|
| 05/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under Plaza Services XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX , GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very XXXX having to deal with false transactions and fraudulent reporting on my credit. Thank you
|
| 08/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a PLAZA SERVICES There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts.
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX 2. XXXX 3. Plaza Service
|
| 02/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX XXXX tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was XXXX-XXXX.
|
| 12/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a formal complaint against Plaza Services located in XXXX, GA. This company is reporting an unverifiable account on my credit report for an amount of {$570.00}. I've asked for proof, but they don't have it. They refuse to comply/respond. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental distress. For starters, they're reporting an inaccurate & unverifiable account on my credit report and not to mention an account in which I've requested evidence of their claim and which they were not able to furnish, per the FCRA and FDCPA. I have disputed this account directly with this collection agency in XXXX, XXXX, and XXXX of 2019, but unfortunately this company has completely dismissed my communications and requests to delete this frivolous information from my credit report. I am aware of many other complaints submitted about this company for their illicit and shady business practices. Yet, for some reason, this company is still in business. This company 's amateurish & negligent conduct has caused lots of harm, not only to my ability to establish credit, but also to my character as a XXXX and as an individual. Please help me to put a stop to the operation of these shady & immoral business practices right away. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
|
| 10/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XXXX XXXX, has not contacted in me in a fair and consistent manner that other debt collectors would do, such as contacting via mail to ensure the validity of debt, explanation of charges, proper charging of interest, etc. XXXX XXXX, would not attempt to work with a Debt Management Plan, XXXX XXXX XXXX XXXX enrolled in XXXX, for the full principal balance through series of payments. On XX/XX/2021 at XXXX XXXX, I received an email with a proposed offer to avoid collections and pay 50 % off, when chatting with XXXX, he said that my debt in total of {$1400.00} was sold to Plaza Services, LLC on XX/XX/XXXX, so why did I receive an email? XXXX, stated this email was sent in error, I'm not buying that. nor did I receive a letter of intent to send debt to collection agency, and today Plaza Services LLC, contacted my work phone number violating the Fair Debt Collection Practices Act, before even sending me a letter. I'm willing to work with CashNetUSA, but I am disputing the validity of debt as the stated amount is in upwards of {$200.00} and some change then previously accounted for and the right to cure was initiated sometime in XXXX or XXXX. When visiting Plaza Services website, I couldn't even find the case file. PLAZA SERVICES LLC, also stated their client who I presume would be XXXX, XXXX, stated that they would be moving to make a final recommendation with or without correspondence, such as it sounds like intimidation to me.
|
| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Thank you!
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Finance Protection Bureau XXXX XXXX XXXX State Of Michigan Attorney General Consumer Protection XXXX XXXX XXXX XXXX, MI XXXX Plaza Services , LLC has XXXX Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099 B.
Also, Plaza Services , LLC Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies on my credit report as a means of intimidation.
They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, anxiety, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to extort money from me.
The account needs to be deleted from all three agencies now.
XXXX XXXX XXXX, XXXX.
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ENC : XXXX proof
|
| 07/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I was contacted by Plaza Services , LLC on XX/XX/2022 about an alleged debt. It was identified as a line of credit with XXXX. I was notified by the company that I had until XX/XX/2022 to dispute the debt. I sent a dispute letter via XXXX and it was delivered on XX/XX/2022 at XXXX. I called the company on XX/XX/2022 to confirm that my dispute letter had been received and that the account had been updated to show a disputed status. I spoke with XXXX ( expenditure number XXXX ) and XXXX confirmed that my dispute letter had been received and that the account is in a dispute status. Here 's where the first issue is. XXXX asked me what information I asked for in my dispute. I listed everything that I asked for in my dispute letter and XXXX said that " they do not have that information ''. Therefore, the company does not have the required information to prove who the owner of the debt is. This takes me to my second issue. The same day that I spoke with XXXX and confirmed that my dispute letter had been received and my account was in a disputed status, I received an email from the company trying to collect the debt. A debt collector may not continue to attempt to collect a debt while an account is being disputed and they haven't provided the information to prove who the owner of the debt is. This is a clear violation of the law and my rights as a consumer.
|
| 04/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving illegal phone calls from XXXX XXXX # XXXX** with a REF # XXXX. I have requested that XXXX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. I have requested the proper documentation several times as original contract with a signature and all related materials. I have received NOTHING! Over 90 days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is PLAZA SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PLAZA SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PLAZA SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PLAZA SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PLAZA SERVICES is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PLAZA SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 10/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took out a payday loan from XXXX XXXX, in Ohio, in XXXX. I then enrolled in Consumer Credit Counseling to consolidate and reduce my debt, including payday loans.
Then a couple of months ago, XXXX XXXX, XXXX in XXXX, GA, contacted a family member of mine, telling my family that I owed XXXX XXXX for this past debt from XXXX. XXXX XXXX pressured my family member to provide some information regarding this loan, including threatening a lawsuit or criminal charges brought against me. XXXX XXXX told my family member that the statute of limitations on payday loans in Ohio was up to 12 years. I was never contacted in any format, including by phone or through writing in the mail, about XXXX XXXX ' claim of this loan.
I check my credit score every couple of months, and on XX/XX/XXXX, I saw that XXXX XXXX listed this issue as a derogatory mark on 1 of my 3 credit reports. In this derogatory mark, XXXX XXXX lists the opening date of the loan as XX/XX/XXXX, which is false information.
I have filed a direct dispute with the Credit Reporting Agency that lists this derogatory claim on my credit report, and I am currently waiting on the results of this inquiry.
The name and contact information of this company that is making this false claim is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
|
| 02/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have recently been a victim of a Identity Theft. As a result, I filed a report with FTC, Ohio State Attorney General and other local agencies. This, unfortunately, is the 2nd time as someone filed Federal and State IRS taxes, fraudulently in my name. The Feds and State have records of this.
Well, this recent Identity Fraud involved filing Unemployment Claims in my name. This is under an active investigation. With this being said, I was instructed to pull my credit report. And to my surprise, this Company Plaza Services was reflecting with a {$2800.00} balance.
I do not know this company or what this said, debt is from.
When I looked them up and called them to verify and validate thisdebt, the rep REFUSED to do so.
She said they do not have any info on this debt, such as original dates, payments, amounts owed or collected on. She couldnt give me any information as she said, they dont have to, if I wanted tosettle, I could, but she wouldnt give me any other information.
This is reflecting on my credit report and as a victim of Identity Fraud and in compliance with Fair Debt Collections Act, I am entitled to this information.
I want this removed from my credit and thisdebt collection company investigated for violating my rights in addition to unfair and unlawful business practices
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| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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PLAZA SERVICES, LLC IS in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.
I sent out Affidavits of Truth twice. XX/XX/2021 and XX/XX/2021 Addressing the comments from the previous complaint that has been closed ( complaint # XXXX ), a contract isn't a validation of debt according to 15 usc 1692g.
You also do not have my permission to furnish any information on my consumer credit report. ( 15 use 1681b ( 2 ) ). You also can not state that I owe your company anything ( 15 use 1692b ( 2 ) )
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| 10/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
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| 04/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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I was called by a collector, I did not recalled this account. I was trying to make an arrangement even though I did not recalled this account being mine. XXXX XXXX XXXX offered me payment options and I told her I was only able to pay the original amount of the debt she stated I will inform that you refused to pay this debt and I told her I was not refusing but I did not have the amount she was asking for. XXXX XXXX proceeded to get upset and told me you should pay your bills in a nasty way and hanged up.
today I received a call from a different person about the same matter and I simply asked to see paperwork on this " debt '' and the guy who did not say his name started saying they sent it to an address I don't live at and stated my date of birth erroneously so I inquired for black and white proof.
the called went off because I don't have signal where I work and he called back telling me he was going to report me as a direct refusal and told me to stop playing games.
I called back to try to report this behavior and they transfer my call to the agent who again repeated I was playing games and I was going to be reported as a direct refusal of payment.
I have no knowledge of this account and I was trying to get clarification. I felt harassed.
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| 10/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.
|
| 01/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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At XXXX XXXX on XX/XX/2020 I received a phone call from a lady saying she was from XXXX XXXX. She asked if she could speak to XXXX XXXX and I identified myself as XXXX XXXX. She did not identify the company as a collection which by law they are suppose to. All she stated was they had some papers in their office submitted for final review. I asked what this was in reference to. She stated before she could proceed she had to make sure she was talking to the right person. I identified myself as XXXX XXXX, I will not give out personal and confidential information without knowing what the matter is about. I asked again what this was in reference to and she stated when she verified she had the right person and I stated I identified myself as XXXX XXXX. After she would not tell me what it was in reference to I disconnected the call. Also I have a very serious medical condition and can provide docuimentation to the CFPB if necessary. I have an XXXX in the XXXX XXXX and if my XXXX XXXX spikes to a certain point the XXXX will XXXX and I am XXXX in two minutes. Such undue stress as this will cause that. The number the lady was calling from in the phone id data base I have is registered as a XXXX or XXXX voice number. the number is XXXX.
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| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been paying Plaza Services, LLC for many months now without knowing they are a collections agency. I was told via phone converstion that they were collecting the payment to be given to the original creditor, a company called " XXXX XXXX ''. I agreed to the monthly payments because they told me that they would not put this on my credit report since I would be paying the original creditor. This was a lie! I looked at my credit report and it shows a collections company called Plaza Services, LLC. I didn't know who they were since I didn't suspect I had anything in collections. I ended up recognizing the monthly payments I've been making. This is how I found out it was a collections company. I never received any offical correspondence informing me of who they were and what my balance was. It was all done via threatening phone calls. I agreed to pay to not have any negative remarks on my credit report on the phone. That was the pressure they used to get me to agree to give them my account information to take out monthly payments. They are still taking these payments out every months and on the credit report it shows a balance owed that is more that what was owed to the original creditor. They are ripping me off!
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| 05/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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XX/XX/XXXX : Received first ( and only ) written notice from XXXX XXXX XXXX for a debt. The document stated PLAZA SERVICES now owns a debt that XXXX originally owned. The amount was {$2000.00} on XX/XX/XXXX.
My spouse called the phone number for XXXX XXXX XXXX ( Reference number is XXXX ). This company asked my spouse for my personal information. He did not supply any information, but the company provided an address, a state, a bank institution, and a false employer associated with the name on the debt. Some of the information was accurate but outdated.
I called the number for XXXX. I spoke with a woman name XXXX. They asked for the reference number XXXX. They told me this account number was associated with my name, then she asked me for the last four digits of my social security number. I gave her this information. She said I needed to call the local police department and fax or email them the police report so their fraud department could correspond with my local police department.
I called my local law enforcement agency. They told me the debt collection agency was a fraud, and so was XXXX. I was told no case number would be filed for the case because I needed to contact the FTC to file a report.
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Approximately 7 years ago, I was the victim of an XXXX XXXX. My driver 's license, social security card, check books, debit cards, credit cards and many other items were stolen from me. Since then, I have had numerous problems and errors on my credit report. A multitude of accounts have shown up, some removed easily and some still lingering. I also learned that a lady named XXXX XXXX XXXX, that apparently has my same DOB has accounts on my credit report as well. She has a terrible driving record, criminal record and civil records that pull up when I am in question. This has been a series of unfortunate events and a HUGE headache, to say the least. XXXX XXXX XXXX does not and has never lived in Alabama. I have never lived outside of Alabama. However, when I attempt to get different coverage for my vehicles, I have a hard time due to her issues. There are collections accounts on my credit report that belong to her, as well as, apartment rentals in different states that she has defaulted on. I have contacted all 3 credit bureaus and placed freezes, locks and alerts on my report but something always pops up each year I check. Please help me correct this issue.
|
| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17
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| 10/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On XX/XX/23, I was contacted by XXXX at XXXX. The man on the phone identified himself as XXXX with Plaza Services. XXXX stated how just reached out to the XXXX XXXX XXXX XXXX ( my job ) in order to contact me about a matter in their offices. It should be noted that I have received text messages about a matter placed in an office from XXXX and to contact XXXX received these messages on my personal and work phone. XXXX went on to state that I had a debt with XXXX and it is in prelitigation and a judgement is pending and then he went on to offer payment options to resolve the debt. When I questioned XXXX about contacting my job over a personal debt and making threats over lawsuit is illegal, he made this statement " How's your credit because once this reports you want like it no more ''. XXXX went on to state that he knows I just brought a house and a car and that I need to pay my debts and that my credit will be ruined once he reports this debt. I informed XXXX I will contact the CFPB and asked he has legal right to collect in California and if he is bonded. XXXX than hung up on me.
Plaza Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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| 12/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Plaza Services XXXX I checked my credit report to find that this company was reporting an account for XXXX for {$590.00} I called to inquire about it, spoke to XXXX. She stated they purchase the account. told her it was not a valid purchase, and she said it was an account that was opened in 2014. I asked her for the account and company 's contact info. she told me she did not have access to it, that I would have to Google it. I told her, her company had me in collections they purchased the account she should be able to give me the information. She told me they were not a collection company, they are a holding service (?? ) I asked her how then is Plaza Services reporting this account as in Collection if they are not Collection service. I contacted every XXXX. # I could find, They have no record of me at all, and said even it was 10 years from before they would have a record. I am not only reporting to XXXX but to the FTC as well, and have made an appointment with my attorney to file suit. I was in chapter 7 bankruptcy, this is not my account. they are in violation of Federal Bankruptcy Law as well as Fair Credit Reporting Act.
|
| 07/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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In a recent review of my credit report, XXXX, I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, XXXX stated to me : 'We purchased the debt from XXXX XXXX in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that XXXX provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
|
| 05/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.
|
| 07/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
|
| 11/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail.
I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.
|
| 02/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.
|
| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I have a a unverified account from PLAZA SERVICES # XXXX. I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act 609 ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the following : 1. ) The contract Agreement between the Original Creditor or the original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 05/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a a unverified account from PLAZA SERVICES # XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 07/19/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Plaza Services which is another violation. This account was added between XX/XX/XXXX and XX/XX/XXXX which I will attach the screenshot showing this. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
|
| 06/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX I paid XXXX XXXX XXXX in order to get a paid in full letter and the collection deleted from my credit report. The collection was deleted but I never received a letter. NOW another collection agency is attempting to collect the same debt for the same closed, and settled account that was paid to XXXX XXXX XXXX!! Ive contacted XXXX XXXX XXXX the last 3 days in order to get a letter showing the account was resolved, and each time they promise I will receive the letter by end of day. I wait all day, and dont receive anything.
They refuse to let you speak with a supervisor and have yet to provide any documentation. At this point I feel like ive been scammed out of paying a debt by this company who fails to provide adequate notification to the original debt owner or any documentation to me.
XXXX in the process of purchasing a home and now have a collection on my credit report due to a debt ive already paid. If this isnt resolved immediately I fully intend on perusing legal action for the damage this is causing.
|
| 04/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received two phone calls from a collection agency called XXXX on XX/XX/ the call transcript from my voicemail is as follows : Hi good morning this message is for ____ not heal XXXX him I'm sorry I ___________________ wrong I a.m. XXXX I work with a company called XXXX am I do have a file here with your cash net USA account the client here is getting ready to move forward him and I need to speak with you immediately him before they do that I can be reached back here directly into my office eat XXXX they did not disclose they were a debt collector and any information obtained would be used for that purpose. This debt is time-barred. I am not sure why I am receiving calls on it and threats of next steps. I also received a generic call on XXXX which states : " Uh Hello, this is XXXX with the offices of XXXX. This message is to inform you that your account has been placed in our office. Please contact us back at ( XXXX ) XXXX XXXX to try and get your account back in. Good standing. '' Again no collection disclosure.
|
| 09/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX on XXXX, I saw me in Collections for {$550.00}, I called XXXX and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX
|
| 02/04/2021 |
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
|
|
Web |
|
|
Plaza Services is reporting a debt ( collection ) to the credit bureau in amount of XXXX on behalf of their client XXXX XXXX. Plaza services did not notify me of the debt nor, give me an opportunity to dispute or resolve debt before reporting to the credit bureau. I mailed a dispute correspondence to Plaza Services on XX/XX/2021. Also, I called XXXX Plaza Services on XX/XX/2021, and no one answered. I went to their website at https : //plazaservicesllc.com/, entered the account info and last 4 to access account information. When I entered the verifiable information, a message populated that no account could be located with the account number and last 4 of SSN that I provided.
I would like to file a complaint because, I have disputed this account with the credit bureau, and some how the account has been validated as accurate through the bureau. However protocol according to the Fair Debt Collection Practices Act was not performed. Section 809. Validation of debts was violated by Plaza Services.
|
| 09/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.
|
| 07/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a called today from a collection agency XXXX XXXX. The rep that called, XXXX, stated that they were sent an affidavit on behalf of a Pay Day Loan provider. I wasn't familiar with the charge so I asked the Representative to go over the charge. Once I told him I was unaware of the debt I said thank you for his call, have a good day and I ended the call. Moments later I received a call back from the representative stating I hung up before I told him what I was going to do. I responded, I gave you an answer. I told him what I was going to do was my concern and I will look more into it. The representative goes on to say how I owe the money and when you owe people you should pay and wouldn't allow me to speak at all to where I got so upset I yelled to talk over him but quickly hung up. I realize collection agency reps have to do there jobs however calling right back after the customer has disconnected the call and accusing a customers does more damage than good.
|
| 07/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, my name is XXXX XXXX, and I would like to formally file a complaint against Plaza Services for breach of contract with all of their clients.
On XX/XX/2023, I initiated arbitration proceedings against Plaza Services through the XXXX XXXX XXXX ( XXXX ). The case number for my complaint is XXXX.
XXXX has reported that Plaza Services has failed to comply with the established rules and has a history of not paying the costs of arbitration.
I have attached a copy of the correspondence I received as proof of my allegations.
Unfortunately, I have been adversely affected by this situation and am currently experiencing several negative consequences that are impacting both my personal and financial well-being. These consequences include difficulties in obtaining approval for a home, a significant waste of valuable time, increased XXXX and XXXX, and marital issues arising from my inability to refinance my existing home and purchase a new one for my family.
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A company going by the name of XXXX XXXX contacted me sometime in the fall last year about a loan balance that they would be handling, I have been paying them but something seemed strange about their way of contact, I never received any mail notification, only phone calls and texts from the man listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Office : XXXX Direct : XXXX XXXX I do not see that the payments have showed up on my credit report, nor this collection agency name. So I decided to reach out to the original creditor, who provided me the information for the collection agency where the account was placed. It was a totally different agency, and I contacted them, they said they have never heard of XXXX and that the account was never sold to anyone else its been with the same agency since 2017. Now I feel that this XXXX XXXX has been taking my money each month and it is not legitimate. I feel I have been scammed.
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX
|
| 01/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have been receiving calls from a company called XXXX XXXX then yesterday XX/XX/2010 I received a call from a company Plaza Services yesterday and they all say they represent this loan I have from XXXX XXXX XXXX. They all threaten to sue and put a legal issue on my house and job. I asked Plaza to verify the debt similar to asking XXXX XXXX and Plaza threaten to sue me by Friday if I didn't pay on the debt. I told the guy XXXX I had a right to receive validation of the loan and he advised that if I don't make an arrangement today that he is sending the debt out to be sued. I told XXXX that I thought XXXX XXXX have and he said that Plaza XXXX have. Under threat I set up an arrangement for a {$170.00} for 18 months. I want this debt validated under FDCPA. I think the practice this company Plaza and XXXX XXXX practice is unlawful. I should not be forced to pay a debt that I have never seen before nor have the option to validate it.
|
| 01/12/2017 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to Plaza Services, LLC. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted Plaza Services and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to Plaza Services via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by Plaza Services, LLC on XX/XX/XXXX.
On XX/XX/XXXX, I received a phone call from XXXX claiming to represent Plaza Services, LLC to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to Plaza Services, LLC.
|
| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX started repayment plan with plaza services initiated by XXXX XXXX XXXX XXXX 1 year payment plan paid of in XXXX following year. Plaza took 2 payments in XX/XX/XXXX. Have never received title have contacted numerous times no answer on phone or by Email. XXXX original loan company says they washed hands of the loan when sold to Plaza. Original problem started with XXXX because never received title to put Motorcycle on road in MD. spoke with multiple times was told would get after a year got fed up told them would stop paying on and put money into Escrow until received title. So they put Bike up for Repo then Spoke with Repo company whom assured me I would get title once paid of. If I took payment plan from Plaza Services LLC. so did that. When I go onto there website it shows I owe XXXX which I have no problem paying as long as I get my title. Have tried contacting customer Multiple times no response with Email or Phone.
|
| 12/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a creditor on my bureau that has refused to remove derogatory information at my written request a whopping " three times ''. I do not have any knowledge of this business XXXX XXXX as it 's described on my bureau nor the third party agency refusing to remove the information from my report noted as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX.
This company has not produced anything in writing with my signature at my written request and has not responded by mail or otherwise to give proof I owe this debt, what it is for, where it originated from or any other information. I demand this derogatory information be removed from my report as they have not provided any sufficient information to validate this debt belongs to me. its reporting {$240.00} XXXX XXXX, 2015. I do not owe this amount, have no idea what this is for and have never heard of this business. I would like this information removed at once.
|
| 12/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call from this company looking for a former relative of mine.
The persons name was XXXX, and I told her that the person she was looking for did not live at this number, but since the person has the same last name as me, XXXX asked me did I have this persons number.
I gave her the last known number I had for the person, and asked XXXX to take me off the call list because the person she was looking for did not live with me.
On XX/XX/19 I received another call from the same company, this time from someone named XXXX.
I told him the same thing I had told XXXX, that the person he was looking for did not have this number, and to please stop calling me.
On XX/XX/2019 I mailed the company a Demand for Damages for excessive Telemarketer Calls, because my number is on the National Do Not Call List, and has been on the list since XXXX.
What this company did is against the law, and something needs to be done.
|
| 02/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I pulled my credit report from XXXX XXXX and an unauthorized entry from PLAZA SERVICES collecting on behalf of, XXXX XXXX XXXX in the amount of {$1300.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. PLAZA SERVICES has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
|
| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks
|
| 08/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX refuse to remove the account from my bureau with false information.
|
| 10/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Debt Amount XXXX Collection Company ( Plaza Services LLC XXXX the original creditor XXXX XXXX XXXX XXXX Date of the loan, showing XX/XX/22.
My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain funds.The bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of Plaza Service LLC.. I am requesting for the original purchase agreement from Plaza Services LLC, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2022 I sent a cease and desist to the CCO of Plaza Services , LLC requesting all documentation the company has on the alleged debt obligation it has listed on my consumer report. XXXX XXXX, or a representative, failed to respond to my request. This company continues to harm my financial reputation without providing any documentation to support their claim. I never gave this company permission to be on my consumer report. Further, the company has no legal standing to harass me in this regard. Their violative business practices are defaming my character. Lastly, the company failed to update the account in question on my consumer report after I notified the company of the dispute. This is also a federal violation. All of these statements above are facts which will be proven in a court of law should the company continue to harass and defame my character.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On today XX/XX/XXXX a derogatory collection account from Plaza Services in the amount of {$400.00} was placed on my credit report with the original creditor listed as XXXX XXXX. Plaza Services reported that this account was opened in XX/XX/XXXX. I tried contacting them as I have no knowledge of this account and have no signed documents or contract between Plaza Services and myself. This listed account is negatively reporting on my credit report without my consent which according to the laws set forth by the FCRA is against the law. I would like any and all documentation provided to me from the agency Plaza Services that they feel gives them the right to report this information to all three credit bureaus. Unless these documents can be provided this account needs to be removed from my credit report immediately and not allowed to be reinserted at a later date.
|
| 08/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Plaza Services, LLC. Plaza Services, LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to Plaza Services, LLC. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I had a debit with the original creditor that was expunged to the bankruptcy they sold the status of private company who intern said that my bankruptcy does not matter that that I owe them the money they purchased it now I owe them to XXXX dollars plus the collection fees of {$5000.00} are very rude very negative went off my XX/XX/XXXXfiling of a chapter XXXX instead of my filing of a chapter XXXX which included the stat him contact to the bankruptcy attorney they contacted them let them know that it was expunged from the bankruptcy courts they told him it doesnt matter that I owe them the XXXX money pay or they were going to sue me garnish my wages and put me in jail I am over this Im over the abuse of tactics they are emailing me and my husband my friends my family calling my husband my friends my family my children my minor child
|
| 05/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Plaza Services and XXXX I have no knowledge of this account have never been contacted by phone, mail or pigeon no account number or anything for this account to even know how or who to pay until I saw it pop up on my credit report. I sent a debt validation letter to this company dated XX/XX/19 certified return receipt which they received at XXXX XX/XX/19 in XXXX , GA XXXX Tracking number from USPS XXXX Delivered to front desk/Reception/Mail Room. To which they had 30 days per 15 U.S. Code 1692g - Validation of debts they must respond in 30 days with validation of debt. to this date I still have not received anything from this company. i also file a dispute with XXXX XXXX who claims that the debt is valid but no one has provided any validation of this debt or anyway for me to know who, when, why or how to pay said debt if it is mine.
|
| 08/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.
|
| 11/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
XXXXXXXX XXXX sold my debit to Plaza services writing it off as {$1800.00}. Plaza services who returned made me believe that they were representing XXXX increased my owed amount to XXXX dollars. I agreed to pay Plaza service {$1700.00} on XX/XX/21. Two years later I'm contacted my XXXX XXXX XXXX XXXX XXXX and served papers to attend civil court for a remaining balance of {$1100.00}. Plaza services and XXXX credit have been unwilling to answer any of my request. Plaza services and XXXX XXXX XXXX have continued to try and mislead me even charging on interest on a debit they bought. I never entered contract with Plaza services and mislead me stating they were representing XXXX. Both companies have been unwilling to provide me the loan number. XXXXXXXX XXXX XXXXXXXX even marked through the loan numbers when asked for informantion.
|
| 11/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I originally borrowed {$800.00} from this website, and I paid back half of the Loan when I fell into a financial hardship. That is the main debt on my credit report currently, and it shows up as Plaza Services with a balance of {$1100.00}, I set up a payment plan with the guy that contacted me who happened to be an attorney, and agreed to pay {$75.00} every pay check. I had to switch cards because the one I had on file had been lost. I completely forgot about the arrangement but the voicemails Ive received from the same person keeps threatening legal action & whatnot. I can agree to pay the balance off when I get my income tax refund, but I dont appreciate the threats on my voicemail and repeated calls. I work full time from XXXX and have to be on the phone all day myself and cant answer calls during business hours,
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX XXXX XXXX off XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
|
| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by Plaza Services LLC. and XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a debt taken out in my name on XXXX through a company called XXXX XXXX XXXX using my information on XX/XX/XXXX. I didn't take out a loan from this company. They sent a document to me via email telling me I must fill it out and include a police report. The police report was made but the officer was very concerned about the legitimacy of the document as it required a great deal of personal information. He told me only to send the company the police report number and nothing more.
Police Report number XXXX with XXXX XXXX County Sheriff Office Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States XXXX Plaza Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX
|
| 06/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.
|
| 09/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute.
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
To whom it may concern, I had a loan from original creditor XXXX for {$3000.00}. With that loan I had to take care of emergencies that had happened. It was going well in the beginning I paid about $ 200 monthly. But after awhile with financial circumstance I had to lower the payment to {$50.00}. From there I haven't made any payment. That went to a collection agency, plaza services, and the debt went from {$3000.00} to {$4900.00}. This year of XXXX XX/XX/2021. I gave them a call and ask for a settlement amount of {$3400.00}. They agreed and I went ahead and sent out the payment. They received the payment but I would like a deletion letter from them asap as I am in the process of purchasing a home. It will be really helpful if you can help me in this difficult times. Thank you.
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I discovered XXXX XXXX on my credit report on XX/XX/XXXX. According to the credit report, the account with XXXX XXXX has been opened since XX/XX/XXXX.
I have never received notification by mail that I owed this debt.
On XX/XX/XXXX, I was told by a XXXX XXXX representative that the original debtor is XXXX XXXX XXXX which was opened on XX/XX/XXXX. I requested back-up paperwork to see if it is my debt. As of XX/XX/XXXX, I have not received the back-up paperwork.
I checked my bank statement for the date of XX/XX/XXXX and I show no deposit by XXXX XXXX XXXXXXXX.
In XX/XX/XXXX, I moved to West Virginia. I researched the XXXX XXXX XXXX website and discovered you must go to a store to get your money. The nearest store is in Ohio. I did not go to a XXXX XXXX XXXX store.
|
| 03/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Some collection agency reported a {$6600.00} collection balance on my credit report yesterday. Prior to this phantom collection account appearing on my credit report, I have received no communication from this agency whatsoever. No calls, e-mails, letters, or anything. Without notice, they just reported it on my credit report. According to the Fair Debt Collection Practices Act, this collection agency was supposed to supply me with a 30 day notice to dispute the debt, before they put anything on my credit report. I certainly would have contested it, because I do not owe {$6000.00} to anyone. Therefore, since Plaza is in violation of federal collection law, I demand that they remove this unfounded collection account from my credit report immediately.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan.
The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics.
|
| 01/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I had a loan with XXXX that went into collections with Plaza Services supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to XXXX XXXX XXXX so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.
|
| 05/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
When checking my credit unnoticed a collection account. I had never received any notice or phone call about this debt. My address is current because I have a mortgage and have had same phone # number for over XXXX years. At any rate, I did n't want to have any back and forth. I do not know anything about this debt nor do I believe it was mine. I paid this with the agreement they would delete account from credit bureaus. They have cashed check and are still sending me letters now to collect on an account that has been paid and they are saying it is n't. And i attempt to call and never get a representative. This is paid and was n't my account. This was to be deleted and has n't and now they suddenly are mailing me wanting payment.
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This company PLAZA SERVICES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX Has purchased an account from XXXX XXXX XXXX and reported as in collections on my credit report. Personify partners with XXXX XXXX XXXX to offer illegal loans. Both companies are not licensed through Michigan Department of Insurance and Financial Services and are not able to loan to Michigan residents. This company is impossible to deal with on the phone. The representatives are very rude and threatens to file a lawsuit, and will disconnect the call. They also contact family members unnecessarily. This debt is not valid. It is also in violation of Michigan Statuary Interest Rate Ceilings.
XXXX XXXX XXXX XX/XX/1967 XXXX
|
| 04/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported debt.
|
| 10/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I am showing on my XXXX account that I owe XXXX to a company and placed in collections with a company called Plaza Services, LLC..It shows the account was opened on XXXX.I have never or ever have I authorize an account from this place XXXX XXXX By XXXX XXXXIt is not even showing that I made an inquiry such as this for that amount with this place.I called and had XXXX put in a dispute on my behalf..I am requesting that this company provide the paperwork that showed I applied and signed off on this loan, the address that its associated with loan.Any letters that were sent, showing that they tried to contact me in reference to this loan.My identity has been compromised and stolen.I have put a freeze on my credit files
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
|
| 04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.
|
| 07/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Today XX/XX/2023 - I received a letter in the mail from XXXX law office regarding plaza services llc debt in the amount owed of XXXX.
I pulled my credit report and I found a collection account for plaza services but in the amount of XXXX.
I reached out to the company via fax with a copy of the letter they sent to me, a screenshot of the debt on my credit that also states its been closed/charged off and a copy of my ssdi letter showing I am fully XXXX and can not work via the state of XXXX.
I also wrote a debt of forgiveness letter to XXXX who plaza services llc is collecting for and sent them a copy of this stillnan law office letter, my XXXX letter and a screenshot that they have the amount totally wrong.
|
| 09/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 PLAZA SERVICES/ XXXX XXXX XXXX Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My XXXX credit report shows a collection agency - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX opened a collection account for the amount of {$440.00} on XX/XX/2018 from an original creditor - XXXX XXXX XXXX.
I have disputed this with Transunion on XX/XX/2018.
This account does not belong to me and I have requested XXXX to remove it from my account. They have not done this. I researched XXXX XXXX and have found this is a scam company.
I do not recognize this creditor nor have I taken a loan from XXXX XXXX XXXX on XX/XX/2018.
The collection agency never contacted me, nor has XXXX XXXX XXXX to prove that this is mine.
Please help me to remove this from my credit report.
|
| 08/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
on XX/XX/XXXX I could no longer afford the monthly payment I called and they refused to work with me at any level. They harassed me by phone and emails they called at least 6-7 times a day and approxmentaly 7-8 emails a day if not more. On XX/XX/XXXX I gave them a cease and desist letter which they have ignored. on XX/XX/XXXX they turned this account over to XXXX XXXX XXXX XXXX in new York I gave them a copy of the cease and desist letter and warned them of what could happen and now they gave my information to XXXX XXXX XXXXXXXX they continue to ignore the cease and desist letter I wrote another cease and desist letter XX/XX/XXXX warning them of the legal ratifications I will take.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint.
I appreciate your prompt attention to this matter, and await your reply.
|
| 07/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
|
| 05/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I first noticed XXXX XXXX reporting information of an alleged debt on my credit report. I wrote asking for validation with certified mail number XXXX, which they got in their office on XX/XX/2019. As of date they have not sent me any information about what they are reporting and claiming I owe. When I pulled my report again I noticed they are still reporting and updated the account on XX/XX/2019, they failed to follow FCRA 1682 ( 3 ) rules by not marking the account as in dispute. Additionally, the Texas Finance 392 code says if a company can not validate or even have enough time to validate the alleged debt they have to stop reporting and collecting, neither was done.
|
| 11/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.
|
| 01/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.
|
| 03/16/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX stated they had no debt with me yet Plaza services and XXXX XXXX XXXX are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email.
In 2021 I filed complaint against oak title company, the response from them was there was no debt to them. I was XXXX and XXXX during this time and could not receive mail or supply any more information due to homelessness, XXXX XXXX XXXX and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.
|
| 01/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
|
| 03/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
|
| 09/08/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
|
| 12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The loan was for {$2500.00}. I have paid over {$6000.00}. The rates change all the time. I believe this is a shark loan. I am getting harassed by their collection agency. I stop all payments from my accounts because their taking more money every two weeks. I paid another {$600.00}. I getting calls all day at work from a XXXX XXXX at XXXX four to five times a day. The calls started on XXXX XXXX. She said she will not get off the phone till she receives a payment. The collection agency XXXX XXXX XXXX XXXX. and there email XXXX. The loan was take out XXXX XXXX. The max of interest they can charge in New Mexico is 35 %. I paid way more than 35 %.
|
| 08/30/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
|
| 08/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX {$2900.00}.
|
| 10/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
My XXXX bankruptcy case was never XXXX. I reopened my bankruptcy case in XXXX of XXXX and amended the file to include additional debt that I incurred. Plaza services was notified by the bankruptcy court on XXXX XXXX of XXXX. I have since also sent communication to Plaza Services in XXXX, on XXXX XXXX, and XXXX. I keep getting information stating that they deny my dispute and are continuing to try and collect this debt. I am trying to raise my XXXX XXXX and they keep reporting this as an active collection and I can not .get them to correct the debt to show as included in my bankruptcy. I have also contacted XXXX.
|
| 11/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If PLAZA SERVICES does not have any documentation, they need to retract this from my credit file immediately.
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )
|
| 11/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX.
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
|
| 01/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account.
The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
|
| 10/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a XXXX XXXX representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
|
| 03/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have been continually getting emails from a XXXX saying they are collecting on behalf of XXXX XXXX. XXXX got they are suing me that the sheriff will be coming to my job and picking me up. I have a total of 4 emails and none of them list a name of agency but all say they represent XXXX XXXX. On my credit report I have a XXXX XXXX listed and I have never received any notice from them at all. Never even a phone which is required before its added to my credit report and nothing! All emails act as if these are legal notices with case numbers and even docket number as if filed with courts.
|
| 06/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
|
| 09/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted XXXX XXXX XXXX on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.
|
| 04/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
|
| 12/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested proof of debt via credit bureaus when this appeared on my account. The company ( plaza services ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with XXXX. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
|
| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by Plaza Services llc, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and Plaza Services to investigate the validity of ownership to the debt from XXXX. Plaza Services continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
|
| 08/24/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX XXXX regarding {$3500.00} owed to Plaza Services , LLC. This is not a company I have any dealings with. I do not know what the amount owed is for or could be for. I have been given 30 days to respond before further escalation of debt collection. This is a false complaint of money owed. I would like to report this company for fraud or false claims.
False claim by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX to be collected from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, PLAZA SERVICES add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PLAZA SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 10/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.
|
| 01/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609
|
| 09/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a derogatory remark on my XXXX credit report posted on XX/XX/2015. My brother took me to go get him a loan with XXXX XXXX and couldn't get approved so we use my social, my brother got on a really unstable situation and wasn't able pay the loan. He did not tell me anything so I was unaware. However, I was never notified about this debt and never received a bill, I don't have no account number or anything to fix this problem. I would like to address this immediately and either pay this debt or get this negative remark removed from my report.
|
| 11/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.
|
| 02/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Received a voicemail from XXXX XXXX XXXX collection agency for XXXX.
This is the exact message received. They are not a law firm.
This message is for her ____ this is XXXX XXXX calling from XXXX invite concerning a legal matter that has been forwarded to my office we made several times to contact you but unfortunately have not received a statement from you regarding a matter if you found the contact up __ mediately we will be forced to render a decision and notify our client of your lack of response press one now or contact us back at XXXX
|
| 12/20/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.
|
| 06/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them.
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
this is against plaza services LLC. ive emailed them multiple times and called them. they refuse to return many of my emails. theyve only answered their phone once whenever i called and have only answered a few emails. i tried sending them emails to settle the account with a settlement amount but to no avail. i want this off of my credit report and they refuse to work with me. how can i work with them if they never answer the phones or emails. willl be contacting NC DOJ soon about this matter if they dont comply
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has called my job repeatedly after my employer we can only have emergency calls only. He said O have several law suits against me, he spoke with a employee about me as well as she was trying to take an message. XXXX XXXX hung after I told him Im at work and couldnt talk at the moment he said he will keep calling back. They call me every 15 minutes on my cell phone.They have also called several family members whom I not related to but are my husband family.
|
| 04/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is an outstanding amount in collections totaling {$1900.00} from Plaza Services on my XXXX Credit report. It says the amount originated on XX/XX/2018. I do not know anything about this amount and it is not mine. I have not taken out any additional loans or debt other than the other items on my credit report. If you look at my credit history, I am 100 % on timely payments and have no missed payments. I filed a dispute with XXXX but they said the debt was accurate, even though I did not incur this debt.
|
| 01/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a formal request for a block or Deletion of XXXX XXXX XXXX ( CHECK INTO CASH ) according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of :
|
| 07/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently
|
| 10/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XXXX 2019 I noticed a strange debt on my credit report. I contacted the creditor listed ( XXXX XXXX XXXX ) and the reporting agency ( Plaza Servic ) Both refused to listen ; [ E ] ven after I explained that I received a denial of credit letter indicating someone already attempted to open an account in my name. SEE ATTACHED The letter also listed reasons for the denial.I filed a dispute that the account was open fraudulently, and the fact the account was even charged off to no avail.
|
| 10/17/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I took out a loan with XXXX XXXX for {$1000.00} XX/XX/2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from Plaza Services. I never received any communication from Plaza Services that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted Plaza Services who advised that they sent a notice XX/XX/2016. I advised them that I never received any communication.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
I appreciate your prompt attention to this matter, and await your reply.
|
| 04/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company
|
| 07/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let XXXX XXXX XXXX know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Please see attached documentation
|
| 11/23/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me.
I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state
|
| 10/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX appeared on my credit report. I had to do a little bit of research to see who they were. It appears that they said it is a medical collection. However once I got a notice from them. It is saying plaza service is the new creditor. Original creditor was XXXX XXXX XXXX. I have never had any dealing with either business and I believe seriously fraud is happening.. how can they list a debt I have no recollection of as a medical debt and trick me into paying.
|
| 02/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed on my credit report that Plaza servic just place a collection from XXXX XXXX XXXX on my credit report. They are not the original creditor. I never received a collection letter for me to dispute this prior for them placing this on my credit file. I mean for them to do this during this pandemic that the hardships is causing everybody is cruel and inhumane. They will try to claim they did send me a letter so it can stay on my credit file or say they can't find me.
|
| 03/28/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.
|
| 11/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from XXXX XXXX XXXX for XXXX XXXX pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is an account that has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this debt.
|
| 05/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.
|
| 05/18/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Plaza services was paid {$200.00} back in XXXX of XXXX , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.
|
| 03/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?
|
| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
its been si long ago that I really dont remember. However I went through a debt consolidation program and a bankruputcy. I realy dont rememberI but I know that anyone that responded to thw consolidation was taken care of AND any one included in the bankruputcy was dismissed.. I no longer have the paperwork.. Probably more than 9 or 10 years ago. Now they have put this on my credit file as though it si current.
It should not be on my file at all..
|
| 04/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently reviewed my credit file and noticed that a debt collector that goes by the name " Plaza Service '' was reporting a debt for a lending company by the name of " lendmark Financial ''. I was a victim of identity theft and this account was opened up fraudulently and was resolved with the original creditor. However, Plaza Service continued to harass me about the debt. The debt was reported by Plaza service to my credit file on XX/XX/2021.
|
| 09/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed my debt with this Plaza Services Inc PLAZA SERVICES XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX and XXXX several times asking for validation of debt. I have sent this company emails, left voicemails and mailed letters this company has not once contacted me to verify my debt neither phone, email or mail. I have also complained to XXXX about the company not verifying debt with me so I am uncertain of how they are getting responses.
|
| 04/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a credit card with XXXX which is under Plaza Services LLC. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
|
| 08/21/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was not aware that I owed this company this much..Its been years & Ive been thru a divorce so Im trying to get all my past due bills took care of ... And this company XXXX XXXX XXXX would not work with me so they turned it over to collection agency called Plaza Services & the opening date says XXXX-XXXX-16 so Im lost with that date cause I have not took any money from any company but one in years..The amount its stating I owe is XXXX
|
| 10/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft I did not receive a payday loan two years ago. They have not proven to me that this is my debt. I have reported identity theft and they do not respond. I have sent certified letters and waited and nothing. They continue to put this on my credit report. I was divorced way before this debt occurred and its under my ex spouse name. I do not go by any other name and it states on the debt the last name XXXX
|
| 07/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX sent my loan to Plaza Services LLC as i fell behind on my payment. I contacted Plaza Services LLC to settle the account on XX/XX/2021 in the amount of {$270.00}. This payment was made and the company informed me this account will be deleted from my credit report. This account is still reporting and I have contacted the company however they only sent me the attached letter and no update to my credit score as of now.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Plaza Services LLC Reference Number: XXXX
The Fair Credit Reporting Act (FCRA, Title 15 U.S.C. 1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically 1681s-3(b)).
15 U.S.C 1681 section 602 A. States I have the right to Privacy.
15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my permission.
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX is reporting to my XXXX report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Plaza Service # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this was in collections and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company has pursued this fictitious debt against me for several years and in the past has used threatening phone calls and other tactics. I have previously filed police reports yet they persist in harassing me.
XXXX XXXX XXXX continues to claim that Plaza Services , LLC purchased a debt for {$2000.00} from XXXX XXXX with account number XXXX for a loan prior to XX/XX/2019. This loan has never existed.
|
| 09/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.
|
| 08/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.
|
| 01/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it
|
| 04/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through XXXX XXXX XXXX and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another XXXX. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.
|
| 11/14/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I went to check my credit report and notice that Plaza services has put something on my report. I do not know what this is. I have not receive anything from this company saying that I owe anything. They should have sent me a letter letting me know who the creditor is so that I could have taken actions before it went on my report. They gave me no notice to get this resolved.
|
| 03/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Plaza Services of XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX I do not have an account with this company. Plaza Services have been sending me collection notices in the amount of $ XXXXThe collection has been reported as a past due balance. I do not owe this company. I have never done business with this company. This company does not have a contract with my signature on it.
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for
|
| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND XXXX XXXX REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT XXXX REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS.
AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM
|
| 12/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This charge was under a bankruptcy and some of this was already paid through that. Also, the collection company sold my car and is still trying to collect the full amount without taking into consideration the amounts that were already paid through the sale of the car and my bankruptcy. I want this removed from my credit report immediately as it is false information.
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.
|
| 12/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
|
| 10/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.
|
| 05/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I XXXX XXXX DIDNT EVEN APPLY FOR A LOAN SOMEONE ELSE DID AND THIS IS NOT MINE. I HAVE TRIED TO CONTACT THEM EVEN DID A CREDIT DISPUTE AND THEY HAVE NOT EVEN VERIFIED THE ACCOUNT OR SENT ME ANYTHING LIKE I REQUESTED FOR THEM TO DO. I DONT KNOW WHO DID IT BUT ITS NO MINE AND I WOULD LIKE IT TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY.
THANKS XXXX XXXX
|
| 01/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX reported on XX/XX/21 that i have a collection account reported from XXXX XXXX, GA in the amount of {$1400.00} which not belongs to me and i never got any communication with this collection company ever until i seen in my Credit Report.
This collection co. violated the federal law as consumer should notified before reporting to credit bureaus.
|
| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
|
| 02/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX reported malicious info to CRA. An account from XX/XX/XXXX ( according yo XXXX employee ) was reported as a XX/XX/XXXX delinquency, I'm not aware of this supposedly delinquency, as I did not receive any validation, I was only aware when I opened my credit report, I believe this an stale debt with a statue of limitation
|
| 10/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
|
| 03/02/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Plaza Services is reporting a collection on my credit reports for a " XXXX XXXX XXXX '' payday loan claiming it was opened XX/XX/XXXX for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
|
| 09/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...
|
| 04/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX but they told me to get in touch with the law firm handling the debt instead of them.
|
| 02/15/2017 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.
|
| 07/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.
|
| 12/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit report.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this is not my debt if you believe it is please provide a copy of a signed written contract. i have no knowledge of this debt. also consider this as a cease and desist and also i need you to remove yourself from all 3 of my credit bureaus immediately and delete all my personal information now.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021, Ive tried emailing, calling, chatting, and messaging and still cant get in touch with anyone. Today XX/XX/2021I tried again emailing, calling, chatting, and messaging and still unsuccessful. I really want to speak to someone so, I can get this removed off my credit. Thank you!
|
| 06/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Payday loan company DBA as XXXX and collecting as " PLAZA SERVICES '' inflated original debt of ~ {$400.00} to over nine hundred, and re-aged account at least once to XX/XX/XXXX. Account has XXXX of XX/XX/XXXX. May be fraudulently verifying inaccurate account details to XXXX, et al.
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PLAZA SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Has been sending me collection notices in the amount have {$5200.00}. This debt is not mines. I do not know this Company. I have never been business with this Company. The Company does not have a contract with my signature.
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.
|
| 05/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent out an Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a second notice, Notice of Default and Attempt to Cure, on XX/XX/2021.
My rights under the FDCPA have been violated and this company has committed fraud.
|
| 12/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
|
| 11/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.
|
| 12/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have reached out multiple of times informing this company that i have not taken a loan out at anytime and also requested they send verification and method of verification and i have yet to receive any information with my signature confirming the consent
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX I disputed XXXX XXXX XXXX and Plaza Services on my XXXX Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently sent a compliant of a unverified account from XXXX XXXX XXXX XXXX XXXXXXXX to the credit bureaus. I have already filed a request for proof of claim and affidavit. please see my attach documents. Please delete the above account at once.
|
| 03/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt collection reporting on my credit for services that I did not use. Based on the remarks on my credit, the debt originated from cash advance company which I've never used. This information appears to be frivolous as well as inaccurate.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The original loan was through XXXX, they were charging me the wrong percentage rate. I filled a complaint with this CFPD, they then transferred my account to Plaza services, which in term added to the loan amount and placed it on my credit report.
|
| 09/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.
|
| 09/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested in writing, via USPS, that Plaza Services provide validated proof of a purported debt. I have yet to receive any proof that the debt that are trying to collect and reporting on my credit reports, does in fact belong to me.
|
| 12/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Debt formerly held by XXXX, sold to XXXX XXXX, then resold to XXXX XXXX for a former debt holder XXXX?
A debt has been removed from my report, has now been resold and re-posted. A violation on of the Dobb Frank act if I am not mistaken.
|
| 02/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i pull my credit report and i see this debt that i am unfamiliar with i tried to contact them and also sent m, y dispute letters to them i have not received a respond and i want this debt to be remove because its hurting my credit score
|
| 05/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
A collection company by the name of XXXX XXXX will call me multiple times a day and makes several threats about the account they own and that I have a choice of paying the debt or will have me arrested and prosecuted for check fraud.
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.
|
| 07/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 06/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Plaza Servic for the amount of {$400.00}. Account says it was opened XXXX XXXX. Account has been placed for collection. However, I never received anything in writing saying this account was going to be placed in collections.
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I checked XXXX XXXX and found a delinquency report from Plaza Services XXXXXXXX XXXX in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be removed.
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS ACCOUNT WAS REMOVED FROM MY XXXX FILED BECAUSE I SHOWED THEM THIS ACCOUNT WAS NOT MINE. NOW IT IS SHOWING UP UNDER ANOTHER COMPANIES NAME. I HAVE ALREADY TAKEN CARE OF THIS. THE AMOUNT IS $ XXXX OPENED RECENTLY.
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report shows the account was open XX/XX/2018 with Plaza services I have no knowledge of this account and have filed a police report due to the alleged person committing mail fraud under my name as well.
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.
|
| 05/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Plaza service is trying to collect a debt that I don't owe that I never owed and I never made a payment on this is not my account. I have provided the ID theft documents this account does not belong to me
|
| 07/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.
|
| 06/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.
|
| 05/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of identity theft. I recently learned that my personal information was used to open an account at the company. I am not sure how the alleged debt originated, I am a victim of ID theft.
|
| 09/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.
|
| 07/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
This is account does not belong to me! The account was sold to this collection company who does not have an account with me as I have never done any type of business with this company.
|
| 03/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
account I am not responsible for being reported on my XXXX credit report by plaza services. Not mine and claimed original creditor XXXX can not even legally lend online in virginia.
|
| 07/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Notified original company in 2010 that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX deducts funds each month and is paid more than XXXX XXXX XXXX XXXX over a 3 year period. Now suddenly Plaza Services LLC is trying to collect the entire paid Balance of XXXX
|
| 01/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX
|
| 12/14/2016 |
No |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
So.. Yes.. I accept that I did owe a certain sum of money that dates from probably about 2 years ago and Now turned in for collection.. I did n't have a opportunity to settle this.
|
| 03/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.
|
| 11/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
who is XXXX? I am formally requesting validation of this debt, owed to this organization otherwise I am requesting removal for this posting from all impacted credit Bureaus.
|
| 07/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Just received debt validation from company that verified the agency is trying to extort for double the amount. This needs to be removed from my credit report immediately
|
| 11/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Was a victim of identity theft a fraudulent account was open in my name using my identity would not furnished me a copy of a sign documents with my live signature on it.
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
All of my information was compromised and used without my permission loan in my name and sent to a card I no longer possess used without my consent resulting in debt.
|
| 09/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 09/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I pay easy money {$230.00} and I have my bank statement showing that it was paid twice they send it to a debt collector is called Plaza service and
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 12/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 06/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
2018 plaza services. 5 years and 1 month old, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, says i owe XXXX $ and have no remembrance of this
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged XX/XX/XXXX
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Plaza Services LLC repeatedly contacts me looking for a person who is not me. I have asked them to stop, and have no resolution.
|
| 05/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a paid collections account with Plaza Services that was paid in full. I want it deleted from my credit report.
|
| 08/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.
|
| 05/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.
|
| 03/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX was closed charge off Plaza services reporting XXXX XXXX account with incorrect balance and open date
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have requested a verification of this account several times, I don't believe they have the right person.
|
| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I get a call almost every hour of the day. And was told my credit score will go down if I do not pay.
|
| 02/08/2017 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection
|
| 12/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX
|
| 03/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company trying to collect a debt but im asking them to validate the debt is mine.
|
| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The creditor told me this account was paid in full and should be taken off my credit
|
| 05/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not getting no response back to this high debt they say that i owe.
|
| 10/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
No one contact me about this debt. I do n't even know what this debt is.
|
| 04/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company is not bonded in the state of texas to collect debt.
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Talked to them and disputed with credit beareu several times.
|
| 02/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid debt in full and need it deleted from credit report.
|
| 10/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done any business with PLAZA SERVICES.
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is not mine
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
debt not mine.
|
| 02/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 02/02/2024 |
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
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/17/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/10/2023 |
No |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/21/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 10/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2021 |
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
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 04/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
Servicemember |
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 10/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 09/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 07/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
Servicemember |
|
|
| 06/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 04/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 11/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 10/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 03/16/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 02/22/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/14/2017 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/10/2017 |
No |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 01/28/2017 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 01/12/2017 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/01/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/18/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/16/2016 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|