Capstone Credit & Collection, LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33311	Web
Hello. I contacted Capstone regarding something that they have placed on my credit that is inaccurate. The woman was very rude and unprofessional and hung up in my face. In XX/XX/XXXX I applied for and was approved for an apartment with XX/XX/XXXX. i lived there with my boyfriend and also rented the apartment with his mother as my guarantor. I completed out my entire 12 month lease. I was never served an eviction notice before my departure and i was given my deposit back when i left because i did not renew my lease. In XX/XX/XXXX i checked my credit score for another apartment and it showed that i had two derogatory marks on my credit. One coming from XXXX XXXX Apartments and one from XXXX. I take full responsibility for the marks done by XXXX XXXX as i know i did not complete the last few months of my lease for that apartment complex. However the derogatory marks placed on my credit by XXXX XXXX through the credit company Capstone has been falsely placed on my credit. I lived my entire lease paid my rent and utilities and was never penalized until two years later. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a woman. I provided her my social security number so that she had access to my file. When she pulled up my file she asked me what was it that i wanted to know about the case. I explained to her that there is a debt on my credit showing that i owe an amount to this company for XXXX XXXX and i needed to know the reason why because i completed my lease agreement in full and was never evicted. The lady on the phone got so disgusting and rude and accused me of not paying my rent. She told me the debt is there because i never paid my rent, trash and sewer and also the cost and fees of an eviction notice. I applied and was approved for the apartment unit in XX/XX/XXXX meaning my lease ended in XX/XX/XXXX. Capstone opened this account on my credit some entire 1 year later. I explained to the woman i was never ever served an eviction through the apartment complex and i paid all of my bills on time and thoroughly. She was completely combative and nasty continuing to accuse me of not paying my rent and everything else Capstone placed on my credit. I asked her how was it possible for her to tell me that i did not live somewhere and pay something I know I lived and paid and she hung up the phone in my face. I tried contacting the company 7 more times after she hung up in attempt to dispute the charges and was unsuccessful reaching anyone. They screened my calls and did not answer the phone from that point on. I wasn't able to be escalated to a manager or dispute the chargers and I googled the reviews on this company and have discovered that this is not their first time doing this to customers. i need assistance with this discrepancy on my credit. i need it removed as there is false information placed on file about me living in the apartment complex and it is hurting my credit score. I reached out to the XXXX who have advised me that they have had many issues with this company as well. They were trying to reach out to the company and had many failed attempts. I have also filed a complaint with the Attorney General 's office in regards to this issue. This ( as I further research ) is not the first time this company has committed a fraudulent scam like this. There are other people who are affected by this company in the exact same fashion. On XX/XX/XXXX A man from Capstone contacted me regarding the issue. I spoke with him again very calmly regarding this report being placed on my credit. He asked me if I was willing to settle the account for 50 % of the balance so that it would be taken off of my credit. I declined and advised him that I am not willing to pay anything because I never owed anything. He explained that their company had proof of me being evicted, which once again I was never served. I asked him why wasn't I ever served this eviction throughout my entire lease and why ; if my lease became active in XX/XX/XXXX and ended in XX/XX/XXXX, would they place a debt regarding an eviction a entire year later on my credit report. The man became upset at my questioning and told me to send him something in writing. I couldn't understand what he wanted to me to send him in writing. I asked if they were provided a copy of my lease and he answered yes. Meaning they see that my lease was two years prior to them placing a debt on my credit report. He then became belligerent and accused me of only wanting to start trouble and file complaints against the company and then he too hung up the phone in my face. This company Capstone Credit & Collections have some of the most disrespectful, rude, judgmental employers I have ever encountered in my entire life. I am working on fixing a lot on my credit and have reached out to creditors for student loans and such and I have never been dealt with in such a manner. Maybe because they did not falsify documents to gain business. I need assistance with this issue. My next move is to contact an attorney to cover this case and investigate this company and also bring this to the media. I would like this issue dealt with and my credit restored.
08/29/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28269	Web
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Accountnumber XXXX Unverifiable CAPSTONE CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have change my new complaint to the status of False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) - false statements about me not sending letters of validation to CAPSTONE CREDIT COLLECTIONS is a LIE. - I've fax and mailed CERTIFIED MAIL /AN AFFIDAVIT OF DENIAL OF DEBT which has not been answer yet which brings me to the conclusion of the impersonation of a government official, because only a government official can ignore my document requested to be answered in the fashion that CAPSTONE has. -CAPSTONE HAS INSULTED ME ... by saying ''It appears he is mistaking the amount of time an account may remain on a credit report with the statute of limitations for legal remedy. '' .... I know exactly what statue of limitations I'm talking about, it is very clear that CAPSTONE is trying to collect a debt without proof of ownership of the account to me, also past the statues of limitations - insults number two " Furthermore, this account is a result of a broken rental contract with an apartment complex. It is not a credit card, promissory note, auto or installment loan. '' THIS IS WHAT CAPSTONE RESPONDED WITH TO MY COMPLAINT .... If there referring to a signed document containing a written promise to pay a stated sum to a specified person or the bearer ( XXXX XXXX XXXX XXXX ) at a specified date or on demand. -Translate promissory note that's the definition of a promissory note which no proof has been shown or provided to me CAPSTONE is saying i broke a rental agreement where is the agreement? who provided a THIRD party of this Alleged document or documents?, i need answers i need someone to swear that this debt is 100 % accurate and it belongs to me with proof!. -insult number three ''Mr. XXXX has disputed this account via the XXXX service, to which we responded their information matched ours on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX '' there saying that they matched records that they provided to public records, which is CLASSIFIED AS FALSIFYING DOCUMENTS at this point by verifying documents they submitted, which is illegal. how can they say that the account is my account basically just by saying it is? that's my question to CAPSTONE -insult number four ''On XX/XX/XXXX Mr. XXXX called our office and explained he wants to clean up his credit. He requested to settle the account for a lower amount than we are authorized to accept as well as to have the account deleted. We were not able to accept this offer. ( We counter offered a higher settlement ), but Mr. XXXX turned down the offer '' - Proof that CAPSTONE COLLECTIONS tried to collect this debt UNREASONABLY- I offer to settle a debt that's not clarified as my debt CAPSTONE clearly turned it down an told me that i should pay more to settle this alleged debt with no proof of this even being my debt. As i stated before : " In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, ( PROMISSORY NOTES ) and credit cards '' Why are they reporting this to the credit bureau when its past the statute of limitations CAPSTONE is updating records as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX '' reporting and collecting? as CAPSTONE CLEARLY STATED in the last complaint. verifying an alleged account with no proof of ownership.By reporting and validating this debt with the credit bureaus it is misrepresenting the debt and the legal status of it which is a violation of the FDCPA according to my attorney
10/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
On XX/XX/2019, I contacted Capstone Credit Collections in regards to a debt that showed up on my credit report when I tried applying for an apartment. It showed that I owed a debt to two apartment complexes. I have never been evicted nor have I ever owed a balance to any apartment complex. The complex I applied to gave me the number to XXXX XXXX. I called XXXX XXXX and explained my situation. They gave me the name and number of the companies that was reporting two collections in question that was showing on my credit report. When I contacted Capstone on XXXX-19, I spoke with XXXX/XXXX whom I explained that I had applied for an apartment and this showed up on my credit report and I explained that this was not my debt, I never lived at said apartment complex and I would like for it to be corrected. She asked me how was I going to prove that I did not owe the debt. I advised that I could provide a copy of the lease of where I actually lived at that time. She rudely advised me that, that was not proof of anything. So I asked well what proof would you need. She advised me to email a copy of my driver 's license to XXXX so they could compare signatures. Which I did immediately. As I was asking her if there was anything else she needed, she became accusatory and told me if she didn't receive anything, they were going to hold me responsible for the debt. Since it was only one day before the weekend, I waited until Monday, XX/XX/XXXX to call and see how the investigation was going, I did not get an answer so I left a message. When my call was not returned the next day, I called again and left another message and sent an email inquiring about my dispute. I repeated this several times throughout the week and I have to receive any correspondence or have any of my calls returned about this debt that I do not owe. When I spoke to XXXX/XXXX I advised her that I am in a time crunch and have to move by XX/XX/XXXX.. I have been assigned to XXXX by my job and I must find somewhere to stay and I would need a letter from Capstone stating that this is not my debt. This company has refused to return my calls or emails after I provided them with the proof they told me they needed in order to furnish me with the letter that I need to be able to lease my new apartment. I understand that this business may receive these type of calls on a regular and people are trying to get over to get something off of their credit. I actually do not owe this debt and am willing to provide whatever proof this company needs so I can get what I need to move into my apartment in about a week. This company is highly unprofessional and if I need to file a lawsuit for violation of FDCPA, I will.
05/14/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32258	Web
I had lived in XXXX XXXX XXXX, an apartment complex named " XXXX XXXX '' for XX/XX/XXXXyear starting XX/XX/XXXX to XX/XX/XXXX. I had signed the lease with my dad 's name, since I was a XX/XX/XXXXt. We had never missed a payment and was on the verge of leaving to another establishment in XX/XX/XXXX. When we told the apartment management that we are moving, they notified us that we had not given ouXX/XX/XXXX notice. So the lady notified that it was fine. However, on our departure, we were mailed a letter. Stating that our security deposit had been forfeited and there was another extra month of rent being charged. There was no reason stating why we were being charged for an extra month of rent. But the cost was not even our rent. It was {$920.00}, which was about {$130.00} cheaper than our normal rent of {$1000.00}. I assumed it was due to theXX/XX/XXXX notice. As a result, I decided to look back at our lease. The lease stated that " release of the security deposit is subject to following provision '', and under it was failure to notify of leave within XX/XX/XXXX. So I again assumed that we were being charged for something that was not on our lease. After moving out, I went back to the old apartment complex and decided to see what was happening. This was before theXX/XX/XXXX that the apartment complex had given us to dispute it. I went in, and one of the worker stated that their manager was not here and told me to leave a phone number. I did, but there was no call received. So then the collection was sent to a collecting agency. Of which who we called. The man decided to say that " they can do whatever they want '' and " it does not have to say in the lease ''. The man at this firm stated that I was attacking them, when I was solely stating the fact that " hey the lease says only the security deposit will be forfeited ''. The guy stated over the phone " Your credit will be destroyed, and you'll have to live with bad credit '' and repeated such statement in similar manner multiple times before hanging up the phone. We kept getting collection mails from the company. So after the first letter, a dispute letter was sent to the collection agency WITHIN XX/XX/XXXX, but nothing was done about it. It explained the situation as a whole and what we wanted to do about it. I have the receipt of the XXXX document that I have sent to the collection agency of the dispute letter, XX/XX/XXXX letters to be exact. One in the name of my father and one in my name. The letter explained the situation and stated that we were in no fault of the collection. Now the collection agency has placed the debt on our credit records as adverse credit.
07/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web
As per the FCRA RIGHTS FOR VICTIMS OF IDENTITY THEFT " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed 3 to 4 dispute letters to Capstone Credit & Collections LLC, via certified mail asking for them to provide me with debt verification in the form of, an apartment application that was used to open an account with Capstone Collections or the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. I was told by XXXX at Capstone Collections that, " they do not have the apartment application on file to send to me for verification. '' However, Capstone Credit & Collections has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of my rights under the FCRA! Capstone Collections is claiming I owe them {$2900.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! The information Capstone Collections sent to me was of a very old copy of my driver 's license and an apartment lease, however this does not prove, nor establish the debt belongs to me, because I have lost my license several times in the past and also the lease does not have my social security number, nor my signature printed on it. For this reason I am requesting that Capstone Collections send me the apartment application so that I may trace how this account was opened? Capstone Collections refuses to send me the application, which the FCRA laws state I have a right too, in order to validate the debt! Capstone Collections has also refused to send me proof this debt is not beyond the statue of limitations, refused to show me proof they are licensed to collect in my state of FL, and refused to provide me with their license numbers and name of their Registered Agent or Agent of Service that I requested in writing from them on XX/XX/2020. Please have Capstone Collections to follow the FCRA and send me all the information that I requested, as well as the application or signed contract that shows how the account with XXXX XXXX XXXX XXXX was initiated with my social security number. If Capstone Collections can not provide me with this proper verification ( application ) under the FCRA, then please require them to repair the damage they made to my credit score by reporting this debt to the Credit Bureaus as " NEVER LATE, NEVER DELINQUENT, '' and then have them delete this erroneous debt from my credit files!
11/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33071	Web
Capstone Collections out of XXXX, FL. Their phone number is XXXX, Fax XXXX. Their address is XXXX XXXX XXXX, XXXX, FL. XXXX. They have been harassing me by phone in the past and are extremely unprofessional with resolving this false claim. They are falsely claiming that I owe them {$3100.00} to be paid to XXXX XXXX XXXX XXXX for not providing a prior 60 day move out notice, which was indeed provided and logged into the property managers computer in front of me in person due to my need for permission to get a full tractor truck onto the property for relocation by our employer. I rented a XXXX apartment unit for several years at XXXX XXXX. Capstone told me to prove that that we gave a signed 60 day move out notice from 5+ years ago, and to contact XXXX to get proof to resolve their collections and they will not stop the collection until I pay Capstone. This continues to show negatively on my credit report and I need it resolved asap. They claim that we did not give the FL. statute 60 day prior move out notice before we ended our lease. We did not break our lease and we did certainly indeed give a written Word document signed with more than 60 day notice to the assistant property manager at the time, XXXX. We never received a receipt for submitting a written 60 day notice from XXXX XXXX or XXXX XXXX, the process was to have it noted on our account. We did sit with XXXX while she put the notes from our written notice into the computer under our account. We were both witness to that. I have our lease document copies which I showed you showing a XXXX balance when we moved out and we received our full deposit returned to us as well. We also gave her the name and date that our movers were scheduled to come relocate us at the end of our lease date so that we would not have issues with a large moving truck blocking our neighbors. After moving out, we also did the final walk through with assistant property manager and she stated that our unit was the cleanest move out she had ever walked through. We then gave her our keys and had a zero balance form printed out and given to us. I had our unit thoroughly cleaned and even paint touched up before moving out. The original creditor Capstone is fraudulently collecting for is now out of business since XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.Capstone Credit & Collection , LLC is falsely attempting to collect a made up debt without proven documentation for a creditor that does not exist anymore.
09/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web
I checked my credit karma a year ago and seen that I owe Capstone Credit & Collections {$5100.00} for the original creator name XXXX XXXX XXXX XXXX XXXX I XXXX the creator and these are apartments in my city. For starters Ive never had an apartment Im XXXX XXXX XXXX. Second I was able to access a site a year ago that gives me a full credit report and I seen on there the year that account was opened was between XXXX, one of the four Im not sure what site that was to go back and check but between those years I was between the ages of XXXX and I believe in Florida you have to be 18 and older to rent or lease or own anything. Also Ive lived with my grandmother my entire life and those addresses should be documented several places like school, doctors office, mail, and more systems I can even provide you guys with all of the addresses Ive stayed at in my life. Ive never known anything about credit until I turned XXXX thats when I began to check to see hows mine doing just to find out theres debt that could possibly effect me and my wants and needs because someone used my identity for their wants and needs and thats not fair. I contacted Capstone collections directly I even sent a written letter to them and I was trying to follow up with them throughout the entire process and there was a lady that I spoke with that was being rude the entire call when I was asking questions she told me You know where this comes from and hung up in my face I was very shocked because thats very rude to tell me I know something my that I dont know anything about so I made a police report so they could investigate and get to the bottom of it but nothing else happened after that so I gave up for a while until I realized that false debt will affect me Im XXXX and still learning a lot of stuff. I also contacted the credit bureaus thats who gave me the number and site to report the debt and here I am now looking for helpful solutions. I believe this collection needs to be removed from my account because it is false and I can provide you guys with any information you may need to further assist me. Thank you
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32256	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. 1st let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the XXXX XXXX XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
02/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43085	Web
Recieved letter from Capstone Credit & Collections, LLC XX/XX/XXXX stating a client of theirs, XXXX XXXX XXXX XXXX XXXX, has extended me a settlement offer on a debt placed in collection with their office. Immediately took action to review my credit reports in search of said collection, as i had no such contract with referenced creditor and letter was addressed to me with different last name. To my disbelief, this collection has been on my credit since XXXX in the amount of XXXX for a debt i had not incurred. In immediately trying to dispute the inaccuracy with all reporting credit bureaus, all had come back with a decision that it met all Fair Reporting Act requirements and was to remain on my credit. I then turned to research said creditor to obtain any documents or proof that collection exists. What I have found out is that XXXX XXXX XXXX XXXX XXXX doesn't exist. XXXX XXXX XXXX which consists of two adjacent communities that were previously known as XXXX XXXX and XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX in a deal that closed XXXX XXXX, XXXX. The seller was a partnership of Tampa-based XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, and that the current owners/management company, XXXX XXXX XXXX XXXX, has no knowledge or records of my supposed debt and can not find my name anywhere in the system. Needless to say I am beyond angry at this point, and proceed to contact Capstone Credit & Collections, LLC to rectify the innacuracy they are reporting. XXXX XXXX proceeds to tell me that i am in collections for an eviction per the records of the county and that its perfectly legal to continue with trying collect on said debt, as well as reporting with the credit bureaus and hangs up on me. I HAVE GOTTEN NOWHERE FURTHER WITH RECTIFYING THE SITUATION OR DELETING INACCURACY ON MY CRESIT AS XXXX KNOWS I HAVE TRIED EVERYTHING AND ANYTHING POSSIBLE TO CLEAR THIS UP. Please advise me of the next possible step in trying to clear this issue as your agency is designated to handle such affairs. THANK YOU AND HAVE A WONDERFUL DAY.
07/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
XX/XX/XXXX contacted the company to explain that debt was not mine im victium of identy theft i have also had on report fraud alert that nothing shouldn't be authorize unless creditor contact me the company advise me this has nothing to do with them i still owe the balance i advise i was living at address XXXX XXXX XXXX XXXX XXXX fl XXXX since XXXX XX/XX/XXXX ... ... ... ... ... ... ... also dispute this multiple times with credit breau XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX ...... XXXX credit report show CAPSTONE CREDIT & COLL Original creditor : XXXX XXXX XXXX XXXX XXXX {$4300.00} Balance updated XX/XX/XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Collection Agency CAPSTONE CREDIT SERVICES Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4300.00} Amount {$4300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAPSTONE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Account name CAPSTONE XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Paid off <1 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement
11/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33712	Web
Says I owe XXXX which I do not I paid the past due rent to the courts I have proof of that.. And also Im being charged for carpet which was cleaned I have proof of that from the person/company who cleaned it I have the bill and a live video and pictures of it being cleaned and the cleaning contract. Also Im being billed saying I left items in the apartment I have live videos and pictures of the apartment being cleaned and also a signed statement from the movers that will speak in court stating the apartment was clear of all items I have live videos and pictures of the apartment being cleaned and upon moving out.. I also have a receipt and email from the leasing office stating I paid the debt also receipt from the clerk of the courts.. I will take this company to court if this false information is not taking off my credit Ive already brought it to an attorney and Ive been told that I have a case and I will sue for damages that this false information has done to my credit. Ive spoken to the Park at XXXX management and was told that they have nothing to do with the case anymore and that I have to file charges against the collection agency which I will do its against the law to file false information on someones credit report and I will sue for damages if this false information is not taking off and I will also go to the News if need be about this company.. Im sending a picture of the carpet and also the receipt that I was emailed by the apartment manager also the clerk of the courts information where the apartment request a dismissal of the case From XXXX by the lakes which is now called the park at XXXX apartments I also have live videos of the clean apartment with the date and time and also statements from the movers and carpet cleaner. I will take this company to court for false information on my credit report.
06/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34668	Web
Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.
09/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33578	Web
I moved from the XXXX XXXX XXXX at the end of XX/XX/XXXX or the XX/XX/XXXX. My lease ended on XX/XX/XXXX and it was agreed between myself and the property manager that they would keep my security deposit in lieu of XX/XX/XXXX rent. I cleaned the apartment and left the key. I have never received a call, email, nor a letter in the mail from the XXXX XXXX XXXX stating that I owed them any money. I had all of my mail forwarded to my new address when I moved from the XXXX XXXX XXXX. On Wednesday, XX/XX/XXXX, at XXXX, I received a phone call from Capstone Collections stating that I owe {$690.00} to the XXXX XXXX XXXX for cleaning fees and change of lock. Prior to this phone call, I have never received a phone call nor letter in the mail from XXXX XXXX stating that I owed anything to the XXXX XXXX XXXX. Because I was disturbed and caught off guard with the call, and I did not want anything to hit my credit, I asked what I needed to do to keep it from hitting my credit. The lady told me that I could pay {$100.00} a month until it 's paid off. I asked for her to send me something in writing and I gave her my address. On Sunday, XX/XX/XXXX, I checked my credit report on XXXX XXXX, and saw that Capstone was reporting on my credit report as of XX/XX/XXXX, and that the account was opened with them in XX/XX/XXXX. To date, I still have n't received anything in writing from Capstone. Finally yesterday, XX/XX/XXXX, I received a letter in the mail from Capstone dated XX/XX/XXXX title *Credit Bureau Alert* stating if I do n't respond they will send the debt to the bureaus. The account has already shown up on my credit from Capstone!!!
06/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 322XX	Web
I received a call from an unknown number. The person calling kept asking me who I was but would only provide her name without telling me where she was calling from or what the call was about. I subsequently ended the call. I then called a different number to pay for a debt and just so happened to get connected to the SAME person. I asked her why she didnt just tell me who she was when I answered and she said you wouldnt identify yourself. As I tried to explain to her that there are scammers she continued to rudely talk over me. I asked to speak to a manager and she claimed that she was the managerat that point I once again tried to explain to her that I understood it was her job to call to try to collect payment but I would have appreciated if she would have just simply stated who she wasat which point she started to yell at me and told me that I was being shady screening my calls and I told her that was very rude to call me that and she started telling me I needed to fix my attitude because she has control over whether this gets reported to my credit or not WHICH IS CLEARLY a threat to me regarding damaging my credit simply because Im trying to explain to her that I dont want to be scammed? She was VERY rude and VERY condescending and jokes on her, Im a lawyer and I have all the time and energy. I already told her clearly that I had no problem with them trying to collect the debt because it was rightfully owed HOWEVER, how dare you tell me that I am not allowed to screen my calls and call me shady because I dont know who a person is calling asking me who I am? Absolutely unacceptable, unprofessional, and disrespectful.
01/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.
11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web
On XXXX XXXX I received a letter from Capstone Credit & Collections, LLC with the following statement : " As you are aware from our original letter, your account was placed with our office some time ago and remains seriously past due. As of this date, our client has agreed to settle the above referenced account for a lump sum payment of 75 % of the current balance if received within 30 days of the date of this letter. '' The problem, is that I never received any prior notification from this agency, or any information about the debt at all from the original creditor. After receiving the letter, I noticed a " derogatory '' account on my credit report - which of course had a significant negative impact. This debt was a surprise to me, and I feel the verbiage of the letter was intended to elicit panic and immediate action/payment on my part - and the fact that I never received any prior notification from them, seems deceptive and inappropriate. I am not sure of the timing of the debt, but from what I can tell, it is from earlier this year. I was employed prior to the pandemic, and assuming the debt was valid, could have investigated/resolved the issue before it suddenly appeared on my credit report. I have made an effort to repair my credit over the years ... and this surprise derogatory account on my credit ( with no prior warning - even from the original creditor! ) will certainly affect my financial recovery - and have a negative impact on my life.
11/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
I initially disputed this debt with the credit bureaus back in XXXX XXXX, with the results being that the account was verified as being mine. I have since sent the collection agency request for debt validation to the fax number that has been provide by them, however they repeatedly say they did n't get the faxes though the faxes state they were successfully transmitted. I have spoken with a representative at this collection agency and was advised of the company they were collecting on the behalf of. I contacted the company that is listed as the Original Creditor that this collection is " supposedly '' collecting on the behalf of and they do n't have any information in their systems for me nor that I ever had an account with them in any way. I was advised by XXXX at Capstone that they were collecting on behalf of a property management company by the name of XXXX, after doing extensive research and placing calls to the company that I did find with this name, they have never been affiliated with anyone " supposedly involved '' with this account, not Capstone Credit & Collections nor River Oaks Apartments. In fact, Florida is a state in which companies must be registered and licensed, and the XXXX company I pulled up is not " licensed '' and is not active. I have sent them this information and they continue to report this account to the credit bureaus.
09/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web
XX/XX/2019 i received a response from CAPSTONE CREDIT COLLECTIONS LLC i recently found out that the debt is not owned or bought by the company and the management is no longer in business i asked CAPSTONE CREDIT COLLECTIONS LLC IF I PAID THE DEBT WHO would they pay for my debt they told me to the management of XXXX AT XXXX XXXX. I DISCOVERS that the company has been bought out. the company has new management now which makes a new contract to be made in place, which CAPSTONE DOES NOT HAVE. Capstone has informed me that there trying to collect a debt that's pass the statues of limitations on top of not owning the debt in addition to that doesn't have a contract with the new management that there saying they would pay the debt to. so CAPSTONE is the only company that would be getting paid with no contract in place since the management that exist almost 6 years ago doesn't operate any longer CAPSTONE is trying to convince me that the new owners own the debt but, i have contacted the new owners at XXXX XXXX WHICH TOLD ME THAT they do not own any debt or are affiliate with XXXX at XXXX XXXX there committing fraud and i would like proof that they have permission to try to collect this debt in 2019 and i would like contact information for who owns this debt and who would i be paying this invalid debt to
05/09/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07202	Web
I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NC 28277	Web
I applied for an apartment complex here in XXXX North Carolina and was told that i have a judgement against me from the park at XXXX XXXX XXXX XXXX XXXX XXXX Located in XXXX Florida XXXX On XX/XX/XXXX, I called and spoke with the property manager and was advised to call back and ask for assistant manager XXXX XXXX on XX/XX/XXXX. I spoke with him and requested information on the judgement against me, He advised me that there was no outstanding balance and that i did not owed the apartment complex nor did i owed anything in collections. I ask him to please provide me rental verification letter verifying this information. XXXX XXXX emailed me the rental verification letter on XX/XX/XXXX. Assuming that everything was okay on XX/XX/XXXX. I later received a letter from Capstone Credit and Collections LLC ( XXXX XXXX XXXX XXXX, Fl XXXX ) stating that I have an outstanding debt towards the park and Via XXXX in the amount of {$1700.00}. This Letter was signed by XXXX XXXX Account number XXXX I did not have a balance nor an outstanding balance when I moved from the park at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Capstone Credit on XX/XX/XXXX, and left a message. However, no one has returned my phone call.
09/17/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33801	Web
this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX report and now they have added it back to my XXXX report and my XXXX report
09/24/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32835	Web	Servicemember
Capstone Credit and Collections settled a debt for {$1000.00}. Along with other debt collection payments done the same week the result was the removal of the collection from XXXX ; however Capstone Credit and Collection out of XXXX Florida and has not removed their name from my credit report after the debt was paid in full. They also refused to email a receipt of payment. They were called to dispute the matter of the removing the collection, and Capstone said if an addition {$1400.00} is paid to them they will removed it from the credit report. XXXX has put in a dispute for a fully paid account and further believes this is an unfair business practice. According to XXXX they have to keep reporting the collection as long as Capstone sends in an update ; however they see no reason why Capstone would charge an additional fee to remove it from the credit report. Capstone Credit and Collection agents both man and woman were very rude, aggressive, threatening, and demeaning ; even going as far as to yell and hang the phone up before the conversation was finished. The XXXX XXXX XXXX had said Capstone Credit out of XXXX Florida has over 38 complaints filed and has not responded to any.
09/13/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NC 28269	Web
XX/XX/XXXX I just got off the phone with CAPSTONE CREDIT COLLECTIONS LLC XXXX XXXX told me to stop wasting the governments money and go get a job to pay the money to them. i ask for the contract to show that they have the right to collect the debt he sent me an outdated contract from XX/XX/XXXX which was a general contract giving them permission to collect for XXXX AT XXXX XXXX along with the new contract which he sent that's from XXXX XXXX XXXX from XX/XX/XXXX now its a new owner new company XXXX XXXX i asked for the new contract CAPSTONE does not have a contract to continue to try to collect anything. the company doesn't own or have a agreement to collect any debt or report any debt since XX/XX/XXXX which was XXXX AT XXXX XXXX which no longer exist.the sole purpose of this company is to trick people into paying debt that they can dispute and for CAPSTONE to try to collect a debt an pocket all the money without having to pay the original creditor is FRAUD and criminal. also XXXX told me why dont i put this energy into getting some money instead of being a pain in his XXXX and bothering them, which is the reason i need this off my credit report in the first place.
03/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 206XX	Web
I originally had my own apartment at XXXX XXXX in XXXX, FLXXXX, and I was required to put a Security Deposit for my first year there in XXXX. I then upgraded to a three bedroom in XXXX, and got a roommate. My Security Deposit was moved to the new apartment account, and no additional funds were required. I found myself and my son in harms way about 9 months into the shared apartment. I notified the Office about my concerns, and I let them know that I was not going to renew my lease with them. I was forced to move out early, because the Office was not going to step up to help my son and I in the unsafe roommate situation. The Office had my parents address for any correspondence that was related to my not renewing my lease and Deposit return. It wasnt until 4 months later that I found out that the Office had placed my account in collections and kept all of my Deposit money. I never received anything by mail in reference to how much and why my Security Deposit was retained in full. This is not a debt I owe, and I deserve my Security Deposit back. It needs to be removed from my Credit Reports as well. Thank you in advance for your assistance with my request!
06/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01453	Web
Capstone Credit is reporting illegally to the credit bureaus in an attempt to collect on a fraudulent debt. They are not licensed to collect on a MA state resident. They were informed of their illegal activities via certified mail XX/XX/XXXX via 93A Demand, again in XX/XX/XXXX and again XX/XX/XXXX They have refused to provide validation of their claim and continued to report and attempt to collect in violation of state law : Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business
03/31/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/23 there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
03/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NY 10801	Web
Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}
05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
I was a previous tenant at XXXX XXXX and upon terminating my least I was informed that I had to give 60 days notice when I was not aware of it I was previously told 30 days notice. Because of this a charge was added to my account of {$590.00}. This account is from XXXX and has been forwarded to a collections agency. On XX/XX/XXXX I reached out to capstone credit and collection to inform them of the situation and requested to have this removed from my account and they said the best they could do was a settlement of 50 %. I informed them of XXXX failure to properly inform me of a 60 lease termination agreement which would result in a month 's rent company also kept my deposit which I believe should offset the caseworker named XXXX XXXX told me I should get an attorney because there was nothing that they could do. Said I got to go and basically hung up on me after I told them I was going to report them.
08/18/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28269	Web
my complaint is a bout ''CAPSTONE CREDIT COLLECTION LLC" trying to collect a debt that is past due and legally past the statues of limitations to e, also the 3 credit bureaus want tell me how the account was verified.In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, promissory notes and credit cards, Also there wasn’t any proof of the debt sent to me showing how it was verified. I'm having problems having this debt removed under the laws of the FCRA that states if the account is unverifiable it most be removed from all 3 credit bureaus this account is really effecting my future plans for me and my family please help me address this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Account number XXXX UnverifiableCAPSTONE CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX (XXXX) XXXX
07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
An Account with CapStone CC showed up on my credit report for an account with 09 The Park At XXXX XXXX. I sent a letter via certified letter 3 times which the company received. The tracking number with USPS is XXXX. This was sent to the bureaus and they directed the message and nothing was done. The company has not sent me any documents validating this debt and is ignoring the fact that this is IDENTITY THEFT. I sent them documents to prove its not mine and they have been ignoring my letters and not removing this account that IS NOT MINE off my report. I requested the agreement between the collection company and the original creditor with my signature and ID showing this was me and they never responded. This is an apartment leasing company and im sure they would need ID before adding this to anyones credit. This account is still reporting on my credit report.
04/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33617	Web
I was unaware of the debt and I offered settlement as they never notified me of my right to dispute the debt in writing. When I became aware that I could dispute the debt, in which I was just offering settlement to make this go away as the person at Capstone Credit Services, XXXX XXXX was very degrading, I did just that. I sent them a request to dispute the debt via email on XXXX XXXX , 2017 , and followed up with them as of XXXX XXXX , 2017 to advise them they had failed to send validation to the debt however they continue to report this to my credit report. They are in essence violating the law in the fact that they are reporting an unvalidated/unverified account. I have contacted their office as recent as today and spoke with a XXXX XXXX who advised me to leave her alone and find someone else to both er. ( How unprofessional! )
12/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33770	Web
We moved out of our apartment complex back in XX/XX/XXXX. I one day out of the blue for college needed proof of residency for college. Getting a record of my last apartment to prove I was living in Florida I had to email my apartment complex. When they responded they didn’t explain anything other than we owed them XXXX$. We sent certified mail to them and a check and they returned it to us saying they sent our information to a debt collector whom we’ve never even knew or heard about before. they weren’t going to bother us until I contacted them over almost 6 months later. We sent a certified letter as well to the agency within the 30 days of never receiving notice about such a debt. They are ignoring us and won’t respond back to our certified mail that was sent out. We believe this is unfair and the fact no notice was ever given. It’s all wrong.
07/24/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 342XX	Web
During covid pandemic I renewed my lease following month I saw an increase in rent as well as month to month charge. They said they did not receive my signed lease renewal. I then submitted another. XXXX apartments continued to charge me higher rate and month to month charges. I was promised wood flooring replacement which fell through as covid precautions prevented the service. I attempted to replace the wood floors myself. In XXXX I put in my 60 day notice to leave. Three days prior to end of 60 days. Someone dropped off an eviction notice even though 60 days prior I had given notice. Soon later I see a collection for 4x the amount I owed. I believe this company committed fraud on 4 different incidents. Upping rent, refusing to acknowledge signed lease renewal twice, upping rent during the pandemic, and wrongfully serving an eviction notice.
10/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33629	Web
It was during COVID. I received help with rental assistance for 2 months rent. I preceded to receive assistance for an additional 3 months rent. Rental manager got upset I was receiving help from government and that the assistance check from government would take a while to be received by apartment ( XXXXXXXX XXXX XXXX ) in XXXX FL so they decided to throw all my belongings out of my apartment while I was at work and change the locks. I was not given no eviction notice or anything. The collection account is being handled by capstone credit and collection. My lease was up and last 3 months living there I was on month to month but as I was in process to receive assistance from government for rent during COVID she had my items removed and locks change, left me homeless. Crooked apartment complex.
10/28/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33626	Web
I called CapStone collections a representative named XXXX XXXX answers the phone, I told him I think this account does not belong to me and that I have a police report, he said that I was a lair and that he do n't believe anything I say, that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the only way to get it fix was me paying the whole amount that they do n't do payment plans to stop calling them and he hung up on me twice. This is very upsetting, I do n't even think they are a local or a real collection agency, now every time I called he is the only one who answers the phone and he keeps hanging the phone. Please help me with this matter I do n't think they are fallowing the collection laws and I feel discriminated and harassed by this company and indivivual.
07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10027	Web
This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.
11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33604	Web
I was notified in 2014 from this collection company that I had an outstanding debt from a apartment community. I advised them that I was living in a house in a different county. I then referred the matter to my family attorney. The attorney asked them to validate the debt. He received copies of the paperwork and found that the social security number didn't match mine. The debt was then taken off of my credit reports. I had my credit reports pulled several months ago and saw that they had put it back on there. I have tried disputing the charge but they still say that I owe the debt. I contacted another attorney because the one I had is now retired. The other attorney told me to file this first and if the matter is not resolved then we can take it to court.
10/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33613	Web
On XX/XX/2019, XXXX XXXX XXXX XXXX put debt on my credit, I never received a letter to clear it up, I have never seen what the charges are for, I tried to contact CAPSTONE CREDIT & COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX. I was employed with XXXX XXXX and nobody will get back to me. The property manager is awful, I should have pressed charges against her when she threw a file at me and then XXXX me. I have tried over and over to contact and make a deal with them and nobody will work with me, I am a single mother and do not have much money to spare at all, I really need help with these 2 companies XXXX XXXX, XXXX XXXX XXXX XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
11/10/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33705	Web
First week of XX/XX/2021, after reviewing my credit reports & noticed a collection item that I do not fully recall. The alleged debt is being reported by Capstone Credit Services, for XXXX XXXX XXXX XXXX in the amount of {$3600.00}. As I understand, I have the right to validate the debt with the collection company. It has been over a month & I have yet to receive and validation from Capstone Credit Services. I specifically asked to cease any and all collection activity until this debt is validated. About a week after sending out the letter to Capstone Credit Services, a representative called me & she was very rude as well as unprofessional. Yelling at me that this debt is mine, and I better take care of it. I do not appreciate being treated this way.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33811	Web
CAPSTONE CREDIT & COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.
05/24/2023	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	FL 33880	Web
I have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.
11/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
Denied rental application XXXX XXXX XXXX in Missouri due to a collections on an alleged account for {$1900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Capstone credit collections verified when i tried to dispute. I called Capstone and was told the originator was XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX was listed as co-occupant from XXXX I called apartment XXXX XXXX XXXX XXXX XXXX spoke with someone stated " no would not know that cause we did not take over until XXXX, but yes we do. I immediately placed fraud alert on my report. Filed ID theft report. Filed local police report.
02/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web
Im writing in regards to Capstone Credit & Collections who has ruined my credit with a debt I do not owe. The company operated by XXXX XXXX are abusive, and unyielding in their efforts to not remove a fee from my credit from an apartment complex I vacated over 4 years ago. They failed to send a letter to me verifying I owe this debt and still refuse to show me evidence this debt is mine. Ive sent two certified letters to them with no response. They have a history of violating federal credit laws and I want this permanently removed from all three bureaus. XXXX also filing against bureaus XXXX, XXXX, and XXXX for allowing this to occur against my rights.
11/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98444	Web
This company claims I owe them nearly XXXX dollars and its hurting my credit score. Ive tried to dispute it as I do not owe this company anything. I asked for them to please send paperwork stating why I owe the said amount and to please verify that their information is correct and I explained how Id like proof. No proof was sent over. As a matter of fact the company was unable to pull up any information on their end. Please delete this account from my credit reports, all three bureaus please. I am tired of being ignored. I am tired of my disputes being ignored. I want proper verification and they refuse to provide or delete from my credit profiles
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 335XX	Web
I have an XXXX XXXX on my credit from Capstone and I have provided my marriage certificate and my drivers license to show that my name wasn't XXXX in XXXX. I have been married since XXXX so my old license was destroyed when I changed my name but the collection agency said they are not removing it because it was me The representative that I spoke to was rude and nasty and didnt want to hear anything I had to say when I called to find out how could I have gotten a apt in my maiden name 5 years later when I havent used my maiden name since XXXX. I am sending over this complaint to see if I can get some resolution to my problem. Thanks.
06/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web
Capstone collections working for XXXX XXXX I moved out 1 month early due to loss of employment I gave XXXX from XXXX XXXX my forwarding address where I could be contacted I left the house in move in ready condition and forfeited my deposit. XXXX never contacted me over a year later Capstone reporting on my credit for 5k plus. I called XXXX XXXX asked for documentation they can not provide it to me I called Capstone with documentation of charges they can not provide to me. I never received certified mail stating charges that needed to be paid I moved out XX/XX/XXXX lease was up XX/XX/XXXX had been a great tenent for almost 2years
09/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89147	Web	Servicemember
XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.
10/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80909	Web
I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.
10/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33755	Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 Capestone Credit & Collec has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.
11/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60516	Web
I need your help immediately. A company was reported on my credit file XX/XX/2021 from Capstone ( XXXX XXXX XXXX XXXX XXXX ) for {$10000.00}. This company never contacted me in any way ( phone, email or mail ) before putting it on my credit file. I sent in a request for validation XXXX times about this inaccurate information being placed on my credit. They didn't send my any documentation back so I have any contract or any association with this company. This is not right at all for a company or creditors to do this and the credit bureau to allow it. Please help me with this matter.
12/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33603	Web
There is a collection account listed on my credit file from an apartment complex. At no time did they ever notify me of this debt. I demaned proof as per the STATE OF FLORIDA landlord tenant law they had to send me information within 30 days the move out date. I did send them a certified letter letting them know they were out of compliance and that this should not have hit my credit report and they are still reporting the debt which is a clear violation and I want this removed from my credit file ASAP! I do not care about the deposit I just want this off my report!
10/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
Capstone Credit and Collections , LLC has claimed that I owe them money they are claiming that I owe them {$820.00}. I have no recollection of ever doing business with this company knowingly or unknowingly. I have written to them asking them for proof of this alleged debt and to provide me with a contract bearing my signature between us, and they have failed to do this. This is not a company I have ever done business with and they are unable to provide me with any proof that I have any sort of contract with them for this alleged debt.
07/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28262	Web
I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. XXXX
11/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33712	Web
This company is charging me and have a collection on my credit report when Ive paid the debt and do not owe anything. When I left the apartment I have pictures of the condition it was clean and I also have live videos and the movers as witness. I also have old work orders that were never taking care of which they are trying to charge me for issues that were already going on when I moved in. I will take this company to court and sue because I do not owe any debt at all.. I paid the debt that was owed and I will sue ...
05/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32301	Web	Servicemember
Correspondence was sent to CapStone Credit Services on XXXX / XXXX / 2016 inquiring about a {$380.00} debt reported to XXXX , XXXX & XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.
02/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33712	Web	Servicemember
I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
06/25/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33612	Web
Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections
02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28269	Web
Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.
05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 766XX	Web
I have a debt collection for {$9700.00} with Capstone Credit Stone & Coll. The apartments name XXXX XXXX XXXX. They located in Florida, XXXX which I never been too ever. I called the company letting them know what was going on, no help. So I filed a dispute twice with XXXX back in XXXX & XXXX. I filed a police a police back in XXXX and sent it to XXXX the debt still on my collection. So another dispute is being open XX/XX/2022 with a copy of the police report.
05/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33629	Web
This debt is not mine and it still continues to show up on my credit report. I have yet to receive any information regarding this debt and never was contacted by phone either. The amount owed is also incorrect due to damages done by tenants ( not me ). There were other tenants on lease and I am not responsible for this. Also, I have called and emailed and nobody will respond as well ( I can provide proof ). This needs to be taken off of my credit report asap.
11/04/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33615	Web
I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.
04/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33624	Web
eviction statement on my credit tried disputing asking for valid proof or some sort of documentation to confirm this was an account that belonged to me back in XXXX XXXX no documents received also went through collection XXXX to have information dispute still remains active on my account after 7 years per my credit report this have been on it since XXXX of XXXX . * Capstone Credit Ser vices # XXXX ( this is the name of the creditor. )
10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Paid apartment complex debt off and debt is showing on my credit report as paid however not deleted. The rep verbally told me that the item would be deleted. Capstone collection ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX balance paid on XXXX XXXX ... Capstone collection ( XXXX XXXX ) XXXX balance paid on XX/XX/XXXX XXXX ... Both accounts paid and NOT deleted as stated to me verbally during the transaction of paying this debt off..
10/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	FL 33647	Web
Capstone credit & collections llc is still reporting on my credit report even though a paid-for-delete letter was submitted and granted. The letter I received in the mail from Capstone stated that they received my payment and the account will be deleted within 60 days of receiving the letter, however capstone is still reporting on my credit report as a collection. The letter has a date of XX/XX/XXXX
06/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 322XX	Web	Servicemember
I filed for bankruptcy on XX/XX/XXXX ( case bk 23:00556 in Florida XXXX XXXX. Capstone was listed as an owed creditor. On XX/XX/XXXX, I received two letters requesting for a settlement of the debt which was listed on my list of creditors. The creditor used my filing notice to update the address in their records and violated the automatic stay which is in place today.by contacting me via mail.
10/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	FL 33511	Web
i just recently looked on my credit report and seen a whole bunch of loans and accounts oppened in my name with out my permission and knowledge of it, one back in XX/XX/XXXX i was actually in XXXX at the time and get out XX/XX/XXXX another one in XX/XX/XXXX that i didnt know about i knew about only one thing which was a light bill that i helped my step father out with
08/29/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28269	Web
Capstone Credit collections LLC at this point i would like to SUBPOENA XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to court to talk with him in person and handle my alleged debt that's 1year an 8 months away from being deleted from the credit reports CAPSTONES IS VIOLATING THE LAW by holding me back from my future goals for my family and business.
09/30/2023	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	FL 34759	Web
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested CAPSTONE CREDIT & COLL to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.
11/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76039	Web
Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.
06/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web
Capstone collection is fraudulently adding collection accounts my credit report without providing the liable signature document showing proof of ownership to the collection account, I never lived or applied at XXXX XXXX and they added a collection to my credit report without attempting to call to verify nor did I receive any mail
04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
03/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33823	Web
I was a victim of identity theft. I repeatedly submitted my identity theft report to XXXX and XXXX XXXX stating this account was opened fraudulently and was not mine. It has remained on my credit report and they refuse to remove it, and they continue to call me repeatedly trying to collect.
02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33570	Web
I have been sent to collections for apartment I never lived in, i sent a letter from the state of florid highway safty and motor vehicle stating there has been a fraud infestigation possible fraud. i have sent this letter to all three credit compainies and they still validateing this debt
05/16/2020	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	WA 98034	Web
I have reached to both : all three credit bureaus and original creditors in order to get full information whats on my file because I cant recognize those accounts All they said was as its accurate without providing me original information. Please provide me information of those account
10/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34286	Web	Servicemember
I got one phone call about a debt owed. No formal notification of the debt from the company or the company that we supposedly owed the debt to. Next thing I learned was that it was added to my credit report without any type of formal communication or the ability to dispute the debt.
08/13/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33604	Web
Capstone credit & collections appeared on my report with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX which I never lived or affiliated with at all. Account # XXXX appeared on my credit report XX/XX/2020 I would like this removed asap because it is hurting my score badly.
05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34677	Web	Servicemember
I keep getting calls and letters trying to get me to negotiate a debt Ive never contracted with them ( Cap Stone Credit & Collections, LLC ) NOR that they've never verified was mines. It's very embarrassing and upsettings to keep getting harassed about this.
06/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 335XX	Web
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
06/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28081	Web
Debt placed for collection on XXXX / XXXX / XXXX . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.
12/02/2020	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 Was not notified of investigation status or results	RI 02860	Web
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
04/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NV 89509	Web	Servicemember
I never received any dunning letters or notification from this company about this alleged debt. I disputed it with the 3 cred bureaus, ( XXXX, XXXX, & XXXX ). It was removed from XXXX and XXXX but not XXXX. It is not my debt.
01/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10801	Web
I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}
10/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
I have never signed anything with this Capstone Credit. This has to be a mistake. I do n't know this company nor do I know that amount. If you could help me I would truly appreciate it.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28208	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. * XXXX - Removal
05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 336XX	Web
XX/XX/20 Reached out to Capstone collection in regards to a account I have paid and they refuse to inform the Credit Bureau about me paying off the account.
01/05/2022	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	WI 532XX	Web
I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
04/04/2021	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 Was not notified of investigation status or results	FL 33604	Web
I sent a dispute to the credit bureaus about a collection ( CAPSTONE CREDIT & COLL ) name and have not received a response back or any results
10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	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.
10/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33710	Web
There is an unknown account listed which I have disputed and requested validation which came back to me in the mail. Please help
11/17/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33625	Web	Servicemember
Repeated phone calls with obscene language. Poor customer service. Rude, disgraceful, no customer satisfaction provided.
03/23/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 337XX	Web	Servicemember
Capstone Credit & Collections, LLC is not licensed to collect debt in Florida. They continue to report the debt.
04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34481	Web	Servicemember
I requested validation of the debt Capstone Credit Services Inc say I owe on XXXX XXXX XXXX .
10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33556	Web
I paid this debt and it should not be still reported. Please help
01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33973	Web

11/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33559	Web

10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33559	Web

10/12/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 34609	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34232	Web

09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33324	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34689	Web

03/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63348	Phone	Servicemember

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60612	Web

02/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32209	Web	Servicemember

02/24/2023	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	WV 24740	Web	Servicemember

01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33624	Web

01/04/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33578	Web

12/30/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32810	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33437	Web

08/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32808	Web

07/16/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	FL 33781	Web

02/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33801	Web

01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web

11/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32311	Web

11/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33805	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33054	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32117	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33024	Web

05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78758	Web	Servicemember

05/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73106	Web

04/05/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77019	Web	Servicemember

02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web

01/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34668	Web

09/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web

08/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33542	Phone	Older American

07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web

05/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web

02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web

01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32245	Phone

12/23/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33801	Phone

11/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32807	Web	Servicemember

11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32807	Web	Older American, Servicemember

09/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

09/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

08/14/2019	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	FL 33612	Web

08/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33614	Fax

07/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33624	Postal mail

04/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

04/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33755	Web

03/20/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 33762	Web

03/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web

03/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33351	Web

02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

01/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32114	Web

01/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32114	Web

12/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33779	Web

12/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34484	Web

12/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33907	Web

10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33907	Web

05/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

04/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34234	Web

04/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

03/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33509	Phone

03/20/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33351	Web

03/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33509	Web

02/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32937	Web	Servicemember

01/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78130	Web

01/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web

12/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33635	Web

12/02/2017	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	NY 11236	Web	Servicemember

11/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11220	Postal mail

08/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

07/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34241	Web

07/02/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28204	Web

07/01/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28204	Web

05/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28205	Web

05/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34481	Web	Servicemember

03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32825	Web

11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33618	Web

09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33605	Web