| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I took an unusable XXXX rocker to a furniture company for restoration. It was missing the caning and the finish had weathered away. It was to be a surprise present for my mothers XXXX birthday. This was on XXXX. They required a 50 % down payment to start the work, and the remainder upon delivery. The target date was XXXX. The company owner said they could handle the request, and i called in a credit card payment on XXXX in order for work to commence. By XXXX i had heard nothing from the furniture company regarding the status of the rocker, so i called the company and talked to the same representative with whom i had initially left the rocker. He assured me the rocker was on track and would be ready by the anniversary date. I heard nothing else from the company from that point on, and they missed the target date of XXXX. I called on that date and left a message, but was not called back. A payment to the credit card company was due on XXXX. When i had not received the rocker by this time, nor been supplied any proof that work had been started, i disputed the charge with the credit card company. 52 days transpired from the time i made a down payment to the time i disputed the charge. The next month the charge was still on my card, with still no contact from the furniture company. I disputed the charge, again, but the credit card company would not accept on-line dispute this time. This forced me to call the company, which i did on XXXX. I waited, on hold, for 56 minutes to talk to a representative, and completely explained the situation to her. She advised me to send a secure message thru my on-line account. I advised her that i already had sent a message on XXXX and had gotten no response ( save an automated acknowledgement ). She told me to wait for a response, and be patient since XXXX had become an issue at the time. I went on a XXXX week vacation the first XXXX weeks of XXXX, and was sent a response on XX/XX/XXXX by the credit card company on what they needed. The problem was they didnt send it via secure message, they sent it to my XXXX. They gave me 2 weeks to reply with the info they needed. By the time i got back from vacation, i saw an email saying they had denied my dispute and i owed the money. I went back and found the first email and realized what happened. I still had not heard from the furniture company, at all, and did not have my rocker. I called the credit card company and talked to a representative. While waiting on hold for a supervisor, i was hung up on.
I filed a XXXX complaint on the furniture company on XXXX XXXX XXXX # XXXX XXXX. The company did not respond to the XXXX so they closed the case after the required time period. The owner did, however, send me an email saying they wanted to do the rocker for no charge.
I provided my credit card company with proof of my XXXX complaint and the email response from the business, and they still insisted that i owed the payment and started charging interest on the amount. I refused to pay for services not rendered. I responded to the furniture company, via email, and advised them that they needed to advise the credit card company that i did not owe the debt, as i was not provided the service as agreed upon.
As it turns out the furniture company never started on the rocker ( which explains why no updates/pictures were ever provided ), despite my putting a down payment on my credit card. The rocker sat in their stock room with no work done. Furthermore, they never contacted the credit card company to let them know the debt wasnt owed. The credit card company wound up charging off the debt and sending to a debt collector.
I made face-to-face contact this month with the furniture company, and they still had my rocker. No work was ever started on the rocker, and the furniture company could not provide me evidence that the initial down payment had been returned to the credit card company. They have apologized to me, and have agreed to write a letter absolving me of the debt, and agreeing to pay the debt unfairly assigned to me. The problem for me, now, is how to proceed with what the furniture company has agreed to do.
I have been unfairly treated by the credit card company, who claimed to have done an investigation, but never provided any details about said investigation. I had an impeccable record with this credit card company, with an unblemished payment history and no history of disputes. My XXXX score was in the XXXX range when this began. Due to the misguided actions of the credit card company, my XXXX has dropped below XXXX. I did my due diligence with the credit card company, sending multiple secure messages from my on-line account updating what i had done. Not once did i get a response to these messages ( only automated acknowledgements ). I was disconnected on, twice, when forced to call them, after spending literally hours on the phone between the 2 calls. I work XXXX hour nite shifts and sleep in the day. The credit card company made it extremely laborious and difficult to contact them, and refused to utilize the secure message feature for contact. They have shown no courtesy to the efforts i made to solve this, and ignored my assertions that no work had been proven to be done, as part of the agreement to make a down payment. In addition, they asked for patience in getting a response ( due to covid ), and responded to my initial secure message 4 weeks later. However, they did not extend the same courtesy, giving me only 2 weeks to respond before the denial of my dispute. I was provided no details as to how they came to their conclusion. Now the furniture company has admitted fault and wants to make restitution. I need restitution for the damage to my hard-earned credit. It is disgraceful how i was treated by the credit card company.
I will include the letter from the furniture company absolving me of this debt. I am also including several secure messages, sent from my on-line account, to support my stance.
I am including a picture of the rocker, taken this month, showing no work done. They have had my rocker for over a year and a half now. Needless to say, my mother did not get her XXXX birthday present from me, and the credit card company, apparently, could care less.
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| 06/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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We have reached out to multiple agencies and gotten little response and our finances are in ruins as well as my family up north because of my mothers ignorance and reluctance to see the truth of all the fraud this person has committed in her name and acts she may have done out of stupidity. My Mother has fallen in love with an online scammer and he is ruining us all. Please, Please help. She has sent this man pictures of our children, our home, car, my aunts ( her sister ) and told him personal information which has gained him access to all aspects of our lives because she believes he loves her. I have screen prints from one of her instagram accounts stating many illegal acts and I reached out to some banks over the phone and in person to try to stop and recapture something. Since XXXX we all have had multiple issues regarding bank transfers, credit card accounts, Missing mail, cashed checks and various cards showing up on our credit or unusual transactions done between various accounts and charges appear on various statements over the past few years, plus XX/XX/XXXX my information was stolen on a layover at the XXXX XXXX XXXX XXXX in XXXX XXXX one at a Convenience Shop called XXXX XXXX XXXX ( Owner ) Police Report filed with XXXX Report # XXXX I had realized a couple of cards had unusual charges and were missing i notified creditors we found reporting on our credit reports and banks immediately ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had just been awarded my Unemployment settlement of XXXX and a majority of it was used and taken. My billing address was changed to a XXXX XXXX XXXX on some accounts, our emails were hacked or new ones similar to our own created, my XXXX information was accessed, XXXX transfers, XXXX transfers and so much more was invaded. Our life and credit have been destroyed, my XXXX XXXX and my Aunt were exposed and compromised by this online love interest my mother met in XXXX. We discovered that my Mother who lives with my XXXX has continued this online relationship with a FB profile claiming to be XXXX, a civil engineer out of XXXX. We have discovered this false persona had been deceiving my mother and acquiring all our personal info from her such as SS numbers, bank card and account information on all of the above mentioned. We have found correspondence online supporting these findings as well as wire transfer info from fictitious shell businesses and various names Sent to and from my mother over the last few years. XX/XX/XXXX or XXXX We had been contacted by a Florida detective XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. Regarding my mothers ss and name on accounts with over {$30.00} XXXX in wire transaction at a few banks down in Florida. I spoke to this XXXX again in XX/XX/XXXX and he claims another XXXX daughter like myself has claimed her mother has involved herself and her family is the exact situation we are experiencing. My mothers name had popped up in their investigation of business contacts with this Fl women and her XXXX. Also XX/XX/XXXX we discovered my mom was supposedly a member of XXXX XXXX XXXX XXXX and had received a substantially large wire transfer of {$67.00}, XXXX that was deposited XX/XX/XXXX into an account in her name that this XXXX had opened for her to reallocate funds they managed to take from us and various other individuals by withdrawing via XXXX, XXXX, bitcoin, atm withdrawals from other inviduals credit cards/atms, depositing checks, fraudulently collecting unemployment in my mothers name, and online transfers the list goes on an on. When i notified these creditors they sai they would investigate and did nothing or closed the account and said i owed even after i provided police reports and statements from the business owner confirming the fraud and theft had occured
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| 04/18/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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Unresolved XXXX issue ( {$250.00} ) XXXX XXXX, XXXX {$23.00} was the original amount for an administration fee ( everything else is late fees imposed by XXXX ).
This was a government issued credit card that was used for official traveling purposes only.
The training class that I was attending ended a day early so I did the right thing and changed my flight to an earlier one. Upon return, I filed a timely expense report, as required. There was an additional amount charged of {$150.00} and a XXXX fee of {$5.00} ( original fare was {$340.00} ). These were all the charges. I have all records. There was no other administration fee at the time I filed my expense report that I was made aware of. If there was I would have included it, obviously. I only became aware of it after I was terminated from this job when I received a letter from XXXX. ( If I was still working there it would 've been an easy thing to amend. ) I immediately contacted my employer. I was told that I did not owe it and they would take care of it.
XXXX XXXX Received first letter from XXXX for {$23.00} ( this is when I first became aware of the charge ) Called employer ( XXXX ). XXXX left me a voice message on XXXX XXXX stating that I did n't owe anything ( I have the voice message ). He forwarded emails stating this to XXXX several times. I also called XXXX several times and left several messages. I never heard anything back from him.
XXXX XXXX XXXX called and left messages for XXXX, XXXX and XXXX ( heard nothing back ) XXXX called and left messages for XXXX, XXXX and XXXX again ( heard nothing back again ), Also called and left messages for XXXX and XXXX, two name given to me from XXXX. ( heard nothing back from anybody ) XXXX XXXX XXXX called and left messages for XXXX, XXXX, XXXX, XXXX and XXXX XXXX talked with XXXX and XXXX. XXXX said he was going to look into it. XXXX was not helpful.
XXXX called and left messages to the same 5 people.
XXXX XXXX finally got back to me. She said XXXX ( XXXX ) is refusing to pay it.
XXXX talked with XXXX again.
XXXX called and left messages for XXXX, XXXX and XXXX. XXXX returned my call and left me a message stating that they are working to get it resolved ( I have the voice message ).
XXXX talked with XXXX again. Left messages for XXXX and XXXX. XXXX returned my call and said it should have been paid in the beginning. She said it will be paid by the beginning of the following week but not the late fees! Nothing has ever been paid!
All along I continued to make calls to XXXX with no luck. I ask for a manager to call me back and he was completely dismissive. He was unwilling to do anything and refused to talk with me.
XXXX XXXX XXXX has now sent this to a collection agency ( Client Services Inc ).
XXXX called Client Services twice. Spoke with XXXX. He filed that I 'm disputing it and forwarded it back to XXXX. He said it should be there by Thursday. Also called XXXX twice. Spoke with XXXX and XXXX. They said they could not do anything until they get it back.
XXXX called XXXX again. Spoke with XXXX who was no help and said they are not able to do anything with government cards! She refused to forward my call to a supervisor. She continued to refer me back to Client Services even though I repeated several times that they sent it back to them. XXXX has refused to work with me since day one! They have harassed me continuously with 29 voice messages!
I have done all I can to resolve this matter and have been unable to do so. I have spent hours on the phone alone. It has affected my health over the last several months as well.
This was a legitimate business expense and I expected the government to pay all along.
I had spotless credit before this and insist that it be rectified immediately. Thank you for your attention to this matter.
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| 06/10/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Client Services INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Client Services INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Client Services INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Client Services INC. Providing that Client Services INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( XXXX ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C XXXX
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| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I sent a debt validation dispute letter on behalf of XXXX XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX via Registered Mail ( receipt no. : RF XXXX XXXX XXXX XXXX ), which they received on XX/XX/XXXX. ( See Exhibit A ) I sent this debt validation letter ( See Exhibit B ) to XXXX XXXX XXXX XXXX XXXX because upon checking the credit report I noticed that they are reporting an account as being charged off. However, there is another entity by the name of CLIENT SERVICES, INC. claiming to be the company in charge of this alleged debt. ( See Exhibit C ) I sent a debt validation letter to CLIENT SERVICES, INC. as well on XX/XX/XXXX ( See Exhibit D ) which they received on XX/XX/XXXX, and I still have not received any response from CLIENT SERVICES INC. either.
I received a response letter from XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureau Resolutions department on XX/XX/XXXX stating that they could not provide any information or locate an account unless I provided the exact same information that was already listed in the original debt validation letter. ( See Exhibit E ) By their response, we are in agreement that pursuant to 15 USC subsection 1681 et seq., XXXX XXXX XXXX XXXXXXXX XXXX failed to comply with the terms of the original debt validation letter that was sent to them on XX/XX/XXXX. On XX/XX/XXXX, I responded with a formal notice making XXXX XXXXXXXX XXXX XXXXXXXX XXXX aware that they have acquiesced because they failed to comply to the original debt validation letter and they have failed to state a valid claim that a debt actually. Furthermore, the formal notice response letter I sent to XXXX XXXXXXXX XXXX XXXXXXXX XXXX gave them an opportunity to cure. ( See Exhibit F ) On XX/XX/XXXX, I received a response from XXXX XXXXXXXX XXXX XXXX XXXX admitting that they located this alleged account and they have placed a disagreement code with a resolution of dispute on my credit file with all of the major credit reporting agencies. This was done without them actually validating that a debt even exists.
By their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX, once again, acquiesced because they failed to comply to the formal notice which gave them an opportunity to cure. In addition to this, by their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX, can not provide any contract bearing the signature of XXXX XXXX XXXX XXXX XXXX as requested. Furthermore, by their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX is trying to state a claim in this alleged debt while another entity, CLIENT SERVICES, INC., is additionally stating a claim in this alleged debt matter as well. This is a violation of 15 USC subsection 1692 et seq. and 15 USC 1681 et seq. ( See Exhibit G ) XXXX XXXXXXXX XXXX XXXX XXXX has had more than 60 days to provide proof that an actual debt exists pursuant to 15 USC subsection 1601 et seq. and have acquiesced several times, which leads me to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX is being willfully negligent and willfully non-compliant. In addition to this, it leads me to believe that I can not receive a remedy.
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| 08/13/2017 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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This is an official complaint against XXXX XXXX XXXX ( XXXX ) and its collection agency, Client Services Incorporated ( CSI ). On XX/XX/XXXX, I contacted CSI by phone to amicably settle my debt with XXXX. XXXX XXXX XXXX who is a Customer Service Representative with CSI took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to XXXX. Also, within the attached settlement letters of CSI, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI for a 30-day deadline of XX/XX/XXXX to settle my debt with XXXX. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX Payer of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and CSI. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against CSI, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX of this year. See attachment letter. ( 5 ) During my same above phone call with CSI on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my CSI letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, XXXX and CSI has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by XXXX and CSI is a direct violation of the Fair Debt Collection Practices Act.
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| 12/19/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Affidavit of Denial XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear Client Services, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft.
Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
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| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a bill from XXXX XXXX XXXX regarding a visit in XXXX 2015. I paid this debt in full in XXXX 2015. XXXX did not credit the payment and has continued to send me bills. Then, I received a letter from a collections agency today for this bill that had been paid in full. When I called the debt collection service they told me their records did not show me owing anything. If that 's the case they should not have even had me in their system. " XXXX '' told me he would contact XXXX to reconcile the account so that I would get no further correspondence. When I asked for " XXXX 's '' last name for future reference to ensure this matter had been reconciled he refused to give it to me.
This matter is problematic for a couple of reasons. First, if I do not owe the debt then I should not have been in their system. Second, I had to give XXXX my full name, date of birth, and address before he would speak to me. There is no way for me to determine if he really was a valid debt collector and not just somebody asking for my name, birthdate and address. This could have been a scam and I just gave some unknown person my personally identifiable information.
In addition, I had the same problem with ASE last year where they did not credit my account with my payments and I had to fight with a different debt collection agency to get my payments credited and to have them remove the improper and un-owed debt from my credit report.
I would like someone to look into XXXX and their billing and payment received actions. This is not a company that I can simply stop using as they are emergency room physicians in this area.
I would also like someone to look into Client Services Incorporated, the supposed debt collection agency. Refusing to give out a last name but refusing to talk to an individual before they give them their PII is unfair and insecure. I have already been advised that my information has been compromised due to a recent cyber-hacking incident and I need to be vigilant about watching my information. It puts people in a very bad position since if they do n't do anything and everything asked of them the debt collection agencies will ruin their credit and never have to answer for it.
I would appreciate your assistance in this matter.
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| 10/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports.
On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from XXXX.
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| 08/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account.
I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior.
I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.
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| 08/20/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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I recently, XX/XX/XXXX, had XXXX and was out of work for XXXX months. I could not drive nor do anything that may aggravate my XXXX while it heeled. This is why I fell behind in my finances. However, once I went back to work, my wife and I sought some help from a financial planner. She was able to get us into a situation where we were able to put food on the table and not worry about our finances. That is until the phone calls started from the credit agencies that we could not budget into the finances. We constantly kept asking the financial planner about paying others but she stayed the course and so far we have been able to pay off XXXX credit cards. We are by no means trying to get out of paying our debt. We just have to take small steps to get it all taken care of.
On XX/XX/XXXX, I received a call at work from XXXX with XXXX XXXX. She is attempting to collect a debt for XXXX. I explained to her that I would have to discuss certain payments and see how we can pay this off. She came back and said normally they expect the full amount but in my case they XXXX make an exception and want XXXX % up front and we can work on the rest. I then had to mention that if I could n't pay the minimum due, how do you expect me to pay XXXX %? She has since contacted my home phone XXXX times to get a response from my discussion with my wife. This is considered harassment in my opinion. However, when you talk to XXXX she will phrase sentences in a way that makes you tell her when a good time to call is and that she was just doing as you instructed. I understand they are collecting a debt and that a lot of people have XXXX excuses. I guess I just blend in with the rest. But, I had worked my XXXX off to get a credit score above XXXX and in XXXX months watch it dwindle to XXXX. Not happy about it but I can probably bounce back as long as I do not get harassed about it. It is embarrassing enough to deal with the problem at hand. I do not need someone to rub it in.
|
| 03/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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Company : Client Services Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and my spouse continue to receive so many phone calls for over a year from this entity that during our work days we have to silence ringers to prevent work disruption. The phone numbers will change up to 3 times in a day.
I received a debt settlement offer dated XX/XX/XXXX in the mail on XX/XX/XXXX. This is for a XXXX XXXX XXXX XXXX credit card balance of {$7100.00} with a settlement of {$2100.00} I have chosen to accept this offer and pay in full. The offer is stated to expire on XX/XX/XXXX. Please see attached document for verification.
Over 10 attempts to make the payment since XX/XX/XXXX have been unsuccessful due to the below mentioned issues.
Document indicates 4 methods of payment including ; XXXX ) csiezpay.com The online site requires specific reference number, birthdate, username and password to access site and make payment. After multiple attempts, a red box indicates 'there is no account connected with this information ' or 'we are having difficulty authenticating this account '.
XXXX. ) Pay-by-Phone XXXX with multiple attempts, various responses are prompted- account was verified and once payment information was given, response was that payment is declined or unable to process then abruptly disconnects.
XXXX. ) contact the office- XXXX receive a busy signal or prompt to speak to representative directs to call another number, XXXX which states office is closed or busy signal.
XXXX. ) contact phone number provided on document- voice says 'sorry we missed your call, please leave message. ' No response to messages left requesting making payment.
I have researched legitimacy of this business due to unacceptable response or function of the entity from all points of attempted contact. All I want to do is pay the offered amount before the offer expires on XX/XX/XXXX and have no way to do this.
|
| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CLIENT SERVICES INCORPORATED I reject there offer to contract I did not consent to any NONAFFILIATED THIRD PARTY DEBT COLLECTOR CLIENT SERVICES INCORPORATED # XXXX to be in possession of my Nonpublic Personal Information. THIS IS A MAJOR VIOLATION OF THE GRAMM-LEECH-BLILEY ACT, AND THE FEDERAL TRADE COMMISION ( FTC ) CONSIDERS MY PRIVACY VERY CRITICAL. I never gave any permission TO CLIENT SRVICES INCORPORATED use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications. I am NOT requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter XXXX STATING that SXXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CLIENT SERVICES INCORPORATED AND THEY BOUGHT IT. I now have reason to believe THEY YOU ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN XXXX CLIENT SERVICES INCORPORATED THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY ( CLIENT SERVICES INCORPORATED ). THE FAIR, DEBT COLLECTION PRACTICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) CFPB, WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) AGAIN CLIENT SERVICES INCORPORATED WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH CLIENT SERVICES INCORPORATED NOR DO I DESIRE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME IMMEDIATELY.
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Couldn't find a suitable selection for this one as I have no idea who these people are. So I picked whatever just to get this going. I've been getting calls from a XXXX area code based out of MO for some time. I also get them from a XXXX area code in the same state. This harassment has been going on for weeks if not months especially for the XXXX area code. No idea if the 2 are associated. I've blocked all of the numbers they call from. Today I got sick of it! I picked up the phone and before I could hang it up I heard a prerecorded voice say that it had something to do with XXXX XXXX I didn't listen to the rest I just hung it up. I called the number back and this guy named XXXX XXXX XXXX. I asked who they were, he kept giving me the name of the company as if that means something to me. It doesn't! He refused to tell me who this company was, why they continued to call my number like the numerous scammers that keep harassing people. He just kept assuming if he told me the name of the company that some how I'd know who they were! I still don't! Then he suggested I look them up, I did after I got him off the phone and still don't know who they are. He refused to tell me who they were trying to reach but kept trying to get me to give up personal info to him as if I'm that stupid! He's the stupid one! He was polite and professional but I wasn't. I don't appreciate anyone interrupting me with stupid nonsensical calls that don't tell you who they are, who they're looking for or why they're calling. I lit him up verbally and hung up. I have no business dealings with them and they're not in my contact list. I'm sick of scammer calls and will not tolerate any from so called legit businesses. I no longer care why they were calling it better not happen again.
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Creditor : XXXX XXXX Amount : {$200.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account and another XXXX XXXX I had with a different collection agency. So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe.
Creditor : XXXX XXXX Amount : {$400.00} Open : XX/XX/XXXX Contacted by Collection company to collect debt and I let them know I would like to get this negative account taking care by paying them and in return to turn this bad debt into a positive debt by updating this the account as paid and remove the negative notation. The rep made me believe once I make the payment to settle this account will reflect positively so I went on and paid the settlement for this account So the account now said paid but the negative notation is still there as charged off and with a Remark of Payment after charge off which is hurting my score I felt like I was taken advantage of. I want the account to be updated by removing these bad notes as the collection company representative made me believe.
|
| 11/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores.
In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund.
A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus.
The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX.
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 - {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX XXXX/ Clients Services last update in my credit file was on XX/XX/2018.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Beginning on XX/XX/2021, I started receiving calls from an unknown company named Client Services , Inc., a company I learned through XXXX to be a collection agency. They placed incoming calls from the number XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX of which I answered, but the call was automatically cut off. I also attempted to call back on XX/XX/XXXX but the line would not connect. Finally, on XX/XX/XXXX, I received a call from an alternate number, XXXX, and an actual agent was on the line. When I heatedly informed her that I was aware of the nature of her business but not my business with her and demanded to know why they were making these harassing calls, she became quite belligerent and, after checking her papers, told me she was calling about my {$3000.00} credit account with XXXX XXXX.
Although they have lovely furniture, I have done business with XXXX in my life and own none of their pieces. When I informed the agent of that, she told me to hold on ( shuffling papers, whispers... voice returns to line ) - Oh yeah, I had the wrong information here. I told her, " That's right, you do, '' and ended the call. I am confused by the mix-up, but I'm furious about the harassing tactics that they used. This mix-up could have been much easier resolved if they simply spoke to me on their first call like an actual professional company - or if somebody even answered the callback number.
|
| 06/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Client Services Incorporated.
This Company is harassing me for a debt that they claim that I owe to XXXX ( XXXX ) at XXXX.
This company has consistently called my cell phone several times a day, they have been harassing me without even prior verification of the debt that they are claiming that I owe.
The enclosed collection letter, I just received from them on XX/XX/2020, and I want to make it clear to them that I do not owe XXXX any amount of {$410.00}.
I did not run up any balance of {$410.00} to the above named creditor, and I want this collection agency to cease and desist from contacting, and harassing me, or I will contact an attorney.
I want Client Services Incorporated to remove any, and all collection information that they have placed onto my credit files, as well as their company files.
Any communication from this company is to go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
I want hard copy proof from a letter with their letterhead when they have removed any, and all derogatory information from my credit files.
I would like proof that this company is licensed to collect in my state, as well as I would like for them to provide their license numbers, and Registered Agent documentation.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2019 SENT XX/XX/2019 Client Services Incorporated ( CSI ) XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, MO., XXXX REFERENCE NUMBER : XXXX ATTN : XXXX XXXX AND/OR Client Services P.O. XXXX XXXX XXXX XXXX, MO. XXXX ATTN : XXXX XXXX RE : FOLLOW-UP COMMUNCIATIONS TO CEASE AND STOP XXXX XXXX XXXX XXXX ( XXXX ) Complaint ID XXXX and Internal Revenue Service LTR XXXX of identity theft claim Dear XXXX XXXX and XXXX XXXX, This letter is sent to Client Services Incorporated to cease and stop due to Client Services Incorporateds fraud, lying, and violating debt collection laws in the state of New York.
Please stop hazing me immediately. Hence, Client Services Incorporated is charged with past due debt fee of {$5000.00}, for the costs of my legal investigation fees, losses, Citibanks negligence, and my Personal Identity Theft protection.
Client Services Incorporated has misused my name, identity, and is to cease hazing me.
Citibank is aware of the fraudulent charges in XXXX XXXX XXXX XXXX and XXXX which caused identity theft and fraud.
This is my notice to Client Services Incorporated of a debt collection notice that is going to be past due in three days from the date of electronic notice of XX/XX/2019, in the amount of {$5000.00}.
XXXX and Client Services Incorporated failed to care and investigate properly thus committed fraud, and lies.
Respectfully yours,
|
| 06/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Collection company has been calling to collect a debt that we never owed. The loan was in my maiden name, years after I was married, to an account that had been closed 4 years prior. I contacted them back and requested information of where the loan originated. After being hung up on multiple times, we find out it was from a payday loan service XXXX We verified the email address hadn't been used since XXXX, and contacted the bank that the loan amount was deposited into. The account itself had been paid in full and closed since XXXX. This company is saying the loan was deposited into an account that had been closed 4 years on XX/XX/XXXX. We contacted back the collection company and explained how these dates didn't make sense, and that the birthday was in XXXX, I am XXXX. After raising these concerns that this was obviously fraud, the company said they would " investigate it. '' After several more calls and being hung up on multiple times, I was told they had already closed the account due to fraud. They are unwilling to help find where the loan originated from, and seem hellbent on protecting people who defraud the system and other people. Without being able to verify anything with TheNorthTrust.com, as the address is a home in Delaware, this almost seems like an internal phishing scheme, possibly on this debt collector 's behalf.
|
| 11/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 10/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2019 we opened a XXXX credit card in connection with our XXXX account. Afterward we received several statements and promptly paid them in full. After those statements we received no additional statements. Several weeks ago, we received a call from Client Services indicating we had a balance of XXXX, and they wanted payment. We had no idea we had an unpaid balance because we were not receiving a bill. After some investigating, we discovered XXXX was sending the bill to XXXX XXXX XXXX instead of XXXX XXXX XXXX. Apparently, there was a typo on our application of which we were unaware. We dont know how we received the two bills we got early on, perhaps a kind postman or neighbor.
We paid Client services in full. Since we got no phone calls or emails from XXXX indicating there was a problem, and our credit rating is impeccable I asked XXXX to correct their reporting to credit bureaus After several requests they refused saying such contact was not required, only a courtesy. With a modicum of effort, they could have gotten a correct address for us and could have contacted us by email or phone. This conduct clearly is a violation of fair business ethics and credit reporting rules. We want two corrective actions : reversal of report to credit bureaus and refund of any late charges and penalties.
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. CLIENT SERVICES, INC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. 7018 3090 0001 0743 8142. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
|
| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I contacted XXXX XXXX XXXX company in regards to my account that was charged off. They informed me to contact the Client Services a collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to XXXX XXXX. So I contacted XXXX XXXX again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to XXXX XXXX and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
|
| 07/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Client Services for Client Service 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a complaint from XXXX XXXX against Client Services for Client Servicess failure to provide requested information for the debt alleged. On XX/XX/18, consumer received a demand letter from Client Services. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter.
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I look forward to hearing from you, XXXX XXXX
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I had a credit card account with XXXX which went into collection. The collection was assigned to XXXX XXXX XXXX XXXX ( XXXX ) to collect on behalf of XXXX the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX.
XXXX reassigned to account to Client Services to continue with the recovery of the debt. I have paid Client services {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to XXXX.
In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact XXXX XXXX XXXX at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. XXXX has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX.
XXXX has been called several times about this and all they will tell me is that there is a dispute.
|
| 02/24/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Client Services is attempting to collect an alleged debt from me after I sent them dunning letters requesting validation of the debt on XXXX XXXX, XXXX and XXXX XXXX, XXXX. The third letter from them dated XXXX XXXX, XXXX is in violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).
Client Services has not provided a copy of any agreement between their business and the original creditor. Client Services has not proven the Statute of Limitations has not expired on this account. Client Services has not proven they are licensed to collect in Oregon. These three legal requirements among others are included in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ).
Their letter of XXXX XXXX, XXXX also violates Federal Law by continuing to attempt collection without meeting the legal requirements of the Fair Debt Collection Practices Act.
In addition Client Services continues violating Federal Law by telephoning no less than 9 times in the past 2 weeks. Documentation available upon request.
I am filing a formal complaint against this business for operating in violation of the Fair Debt Practices Act, and am notifying Client Services of this filing.
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Requested validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if XXXX XXXX XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
|
| 10/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX, XXXX, XXXX, XXXX Bank, and Client Services has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well.
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, XXXX, XXXX, XXXX bank XXXX XXXX Client Services has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
|
| 10/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/2018. Received a Debt Validation Notice from Client Services from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX.
Per Federal Law and guidelines established by the Federal Trade Commission, I advised this debt was time-barred and the statute of limitations expired months previously. Response was in writing as the law requires, including copies of supporting documentation and copies of the Statutes as they apply in the case.
In my written response, I asked Client Services to notify me of any course of action they took, and/or notification once they closed this account. My written response was mailed on XX/XX/2018.
On XX/XX/2018 at XXXX ( EST ) I called Client Services and spoke to two different people. XXXX XXXX and XXXX XXXX. Both employees were unprofessional, dismissive, and claimed repeatedly, There is nothing in this office that I can discuss with you. They advised me to contact the original creditor, XXXX, who they are representing. I advised Client Services that I sent my written validation notice to Client Services, not XXXX.
Client Services refused to assist or discuss anything with me.
|
| 01/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I told them on several occasions the person they are calling does not live here and they still continue to call.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX
|
| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
CFPB Response Closed With Explanation XXXX XXXX ( Case # XXXX ) XX/XX/2022 Client Services , IncXXXX XXXX XXXX ) is a financial services provider, which represents clients in recovering delinquent account balances. Please be aware, XXXX does not purchase delinquent debt or file litigation against consumers. XXXX collection efforts are limited to telephone calls and written correspondence. XXXX appreciates that XXXX XXXX has taken the time to make the company aware of the situation. XXXX strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that XXXX takes all complaints very seriously. XXXX has conducted a thorough investigation of XXXX XXXX claims. We received XXXX XXXX accounts on XXXX. Per XXXX XXXX request, the accounts have been placed in cease and desist status and XXXX XXXX will not receive any more communication from Client Services , Inc . If they would like to discuss this matter, XXXX can be reached at XXXX. Thank you for giving XXXX the opportunity to investigate this issue.
|
| 03/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX defaulted my XXXX account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with XXXX XXXX, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. XXXX also made no attempt to contact me about issues with my address or account. My account was then sent to collection with Client Services without notification. Client Services was able to send me the debt collection notice to the address XXXX XXXX and XXXX had on file. I have not received one statement, late payment notice, or account delinquency notice from XXXX XXXX or XXXX. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of XXXX XXXX XXXX and XXXX XXXX actions.
|
| 09/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency.
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.
|
| 02/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.
Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification.
see enclosures ( 6 )
|
| 04/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Failure to Validate Debt XXXX XXXX XXXX XXXX XXXX.
XXXX, PA, XXXX XX/XX/2021 After reviewing your response, which is attached, I saw what looks like a bank statement that was sent from your company as an attempt to validate this alleged debt. A bank statement in no way shows any originality nor proof of this alleged debt which means it does not validate that this alleged debt is mine, as your company assumes. Those alleged charges could have been made by anyone, therefore it does not prove nor validate anything. Pursuant to 15 USC 1692g an assumption by any debt collector is not validation. Since your company, Client Services, has failed to provide any of the documents that was requested in my original letter, except a bank statement, to prove and validate that the alleged debt is mine, in which your company assumes. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file.
Best Regards.
|
| 03/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have asked Client services on three separate occasions to provide me with debt verification, including : 1 ) the identity lf the original creditor 2 ) an Original copy of the contract between myself and he original creditor 3 ) the proper and legal assignment contract between the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor just buying debts for pennies on the dollar to collect illegally ) ; 4 ) proof you are licensed to collect debt in Colorado. 5 ) a line by line accounting of the original account ( transaction history, a full breakdown ) 6 ) proof that you the collection agency are in compliance within the statute of limitations for Colorado.
They just keep sending me copies of statement that shows no activity. They send statements of a charged off amount continually being charged more fees. I have asked them on 3 separate occasions to provide this or cease and desist from contacting me. I am still getting phone calls and mail.
|
| 04/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
On XX/XX/2023 I contacted XXXX XXXX credit card to set payment arrangements after I was hospitalized and off of work. They agreed to do the payment arrangements of {$300.00} dollars total of XXXX payments. We agreed on it I received my confirmation letter for payments I got online to make my first payment and could not do it by the app online. I called them and spoke to a representative who took my payment over the phone. A few weeks later a get a call saying my payment was returned I said no not possible they read the information the representative prior who made arrangements had the incorrect information. I gave them correct information for my bank and first payment was withdrawn from my bank. I had to call back to do the the following payment. When I called XXXX XXXX representative said my credit card was closed I asked to speak to a super and no one could give me an answer other than wait for a letter. XXXX XXXX had a breach of contract after arrangements were made by both parties myself and XXXX XXXX
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them.
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX number XXXX XXXX XXXX at XX/XX/XXXX XXXX number XXXX XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX XX/XX/XXXX at XXXX XXXX number XXXX This is what I have documented on my recent calls list!
I would appreciate any help or guidance on how to stop these fraudulent annoying calls.
Thank you XXXX
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Client Services can use to call my phone, my spouses phone and my mothers phone leaving detailed information on all of our voicemails. When I tried to call back I am told they need my information to pull up the account. I refuse to give my information because I dont know who Im talking to. I did call the number listed.
Below is the voicemail left my name is process server XXXX XXXX I've been retained to execute a five at your place of residence your place of employment between the hours of XXXX and XXXX XXXX today as per lawyer _filing party 's contact information because you do have a legal right to attempt to stop here served now the name of the following party on your document his client services that their telephone number is XXXX but I must hear from your filing party before my scheduled attempt some type of stop order to prevent me from executing your summons if I do not hear from this company when I meet with you you're required to show me two forms of identification when you sign for your
|
| 11/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I recently discovered my XXXX XXXX account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or XXXX XXXX Card.
I am only willing to pay for the purchases made on the account.
Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed.
Again, please note that I never received any calls, billing statement summaries, or XXXX XXXX Card. I am a college student trying to establish credit and I do not want this to affect my present or future credit history.
When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.
|
| 09/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX CREDIT CARD CLAIM AMOUNT : {$6500.00} I had XXXX account number : XXXX XXXX XXXX XXXX ( became acc # XXXX ) I found out on statements 4 fraudulent amount : - XXXX XXXX : {$1100.00} _ XXXX / XX/XX/2019 : {$3400.00} _XXXX XXXX : {$190.00} XXXX : {$1700.00} 4 unauthorized transactions because delivered different address. by the time fraud transactions actions, i am still at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( have document proof ). I did not made 4 fraud purchase below the list, i am not responsible for 4 unauthorized transaction..
i move to XXXX XXXX XXXX XXXX CA XXXX 6 moths after the fraud purchase happened.
NOW, XXXX pushed my account into collections at CLIENT SERVICE, I did try to call them but nobody answered, than i go online ..with reference number is XXXX... .business looks not nomal... ( picture included ) i dont know howto solve this problem for my account.
CFPB Please help me to solvethis siatuation. im appreciate with all my heart.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately.
I appreciate any assistance you will provide.
|
| 02/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX of 2022 Client Services Inc. called me at XXXX from XXXX, I was at work when I got the call and did not pick up. On XX/XX/ 2022 they called again at XXXX from XXXX again I was at work and did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I was at work yet again so I did not pick up. On XX/XX/XXXX they called at XXXX from XXXX I did not pick up. On XX/XX/XXXX they called at XXXX I did not pick up. Up until today when I finally started looking them up I did not realize they were a debt collector I figured it was someone trying to offer me a job. In all this time of trying to contact me over the phone I have not received anything in writing from them about any debt. I prefer to email as debt collectors are not pleasant to deal with over the phone. Not sure why they are calling but, until I get something in writing that shows why they been calling since XX/XX/XXXX which is over the 5 limit for debt validation I will not answer.
|
| 01/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received a call from XXXX XXXX this morning at XXXXXXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX.
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to.
Thank you.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I made payment arrangements with Client Services regarding XXXX XXXX XXXX, XXXX. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXXXXXX XXXX XXXX, took payment to close this account on XX/XX/XXXX.
|
| 03/11/2016 |
Yes |
|
|
|
Web |
|
|
Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019 I settled a XXXX XXXX debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have XXXX XXXX update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report.
I just received notification today on XX/XX/2019 that the balance went down and XXXX XXXX is listing me as delinquent on my account. This has made my credit score go down.
Client Services Inc. did not say that this would occur. They only said that it would go from a charge off to a settlement in full.
XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days.
This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.
|
| 01/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future.
Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''.
I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.
|
| 05/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2020 I sent a 3rd party debt validation letter to Client Services , Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated to it. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Client Services , Inc. has failed to validate this alleged debt within the ( 30 ) day allotted time frame as pursuant to 15 U.S.C section 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
|
| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX.
I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call.
I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I have received several phone calls from this one company. Yesterday, they call my personal cell phone and today my home phone. When I returned the call, whomever answered identified themselves as client services. I asked the name of the company and was told the name of our company is client services. I realized this was the same person that contacted me the prior day, so I again asked what the nature of his call was. He asked if he could speak with XXXX XXXX. So, I asked if he was looked for XXXX or XXXX and again asked what the nature of his call was and asked him to identify himself and again state the name of his company. I was then informed that they will just move forward with legal action will see me in court.
Client Services phone number is XXXX
|
| 06/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Client services have been collecting {$180.00} for the last 2 years from my checking account to pay for XXXX master card. I never signed anything or talked to anyone either from XXXX or from client services incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, client services stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all XXXX credit card company that I have not payed XXXX for 3 months, I called XXXX 3 times and all they tell me is that they dont have my account and I have to keep calling client services because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
|
| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from XXXX was {$5400.00}, per XXXX. Client Services, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to Client services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. Client Services is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what XXXX states I owe. I tried to resolve this with Client Services, with no resolution.
|
| 07/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
|
| 05/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Due to hardship I had a XXXX XXXX credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then XXXX XXXX reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.
|
| 03/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
This company comes up on my phone as XXXX XXXX. I called the number back and asked the name of the business and where they are located. The lady said Client Services , Inc. in XXXX XXXX, MO. They call several times a day from different numbers, but it's most always from area code XXXX, with the exchange of XXXX. As soon as I block one number, they use another one. However, in the past week, they have began to call before 8 am. Repeatedly. I have lived in the state of Texas for over 12 years. I'm in the central time zone. If the caller is unaware of this, they are more than likely trying to collect stale debt. I have received no written communication for a company with the name of XXXX XXXX about any debt owed.
|
| 12/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a credit card debt with XXXX XXXX and was referred to Client Service Inc. After several phone calls, I was able to finally talk to an agent who did verify that this debt was referred to them. However, this particular individual was very aggressive in working a payment plan and demanded immediately my bank account information. I was told to do that in order to avoid further action, although that was never specified. XXXX XXXX never notified me that they were sending my account to a third party. There is very little information regarding this matter from either agency except to what was said to me over the phone. I have no access to any information regarding my account from XXXX and CSI.
|
| 05/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received the letter for debt settlement from XXXX XXXX XXXX showing the balance of {$7300.00}. I have not had a chance to review the credit card invoices and also no explanation of how the total amount shows {$7300.00}. Also, the collection company has offered for 30 days for the amount of {$2200.00} but not sure how that amount came about and must send payment within 40 days fo the notice dated XX/XX/2019.
I would like to receive all the copies of the credit card debt that shows {$7300.00} since the account is closed. Also, the explanation of how the settlement has been offered.
If the settlement is offered, I would need to work out payment plans instead of the lump sum.
|
| 05/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt validation notice dated XXXX XXXX ,2017 from XXXX XXXX XXXX stating that an account ( XXXX XXXX XXXX XXXX . ) h as been placed with their organization for collections with a balance of {$3100.00}. On XXXX XXXX , 2017 I sent Client Services Inc a letter that they received on XXXX XXXX , 2017 to provide me with proof that this debt belongs to me. As of XXXX XXXX , 2017 I still have not received a response from Client Services Inc. Therefore, the collection agency failed to validate this debt I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
|
| 04/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a XXXX XXXX account in collections. I was told by the debt collector that if I paid the outstanding balance that the negative information and late payment history would be removed once paid. I paid the agreed settled amount of {$93.00} to Client Services who collects for XXXX XXXX as their in-house collections, that the debt and history would be removed within one business day. I have checked my credit report and still see that there reporting an open collection with XXXX XXXX and a history of late payments. I feel this is Deceptive Trade Practice to tell a consumer if you pay, we delete. The account remains unchanged from my credit report by XXXX XXXX. Account
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
The Caller 's ID is : Client Services. The automated calls to my home phone number come in XXXX times daily.
The area code for Client Services is ( XXXX ).
The following are the ( XXXX ) exchanges + a total of ( XXXX ) different phone numbers so far : ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX and ( XXXX ) XXXX / XXXX
|
| 06/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
|
| 02/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.
|
| 10/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The company called CLIENT SERVICES, holding my debt from XXXX, XXXX ( XXXX XXXX ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file!
Client services account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
|
| 02/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
|
| 02/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received numerous phone calls from Client Services Incorporated over the past several months. They call looking for XXXX XXXX attempting to collect a debt. I have explained to them that I am not XXXX XXXX and ask for my number to removed and for them to not call me again, but they still do. The most recent phone call was on XX/XX/XXXX at XXXX p.m. I received another phone call on XX/XX/XXXX, and prior to that, on XX/XX/XXXX. I have told them several times if they do not stop calling I would file a complaint, and they still call. My phone number is also registered on the " Do Not Call '' registry.
|
| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX contacted XXXX XXXX, XXXX XXXX XXXX and Client services for XXXX XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and XXXX XXXX last reporting activity was XX/XX/XXXX, and no updates XXXX XXXX was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home
|
| 04/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Client Service submitted a response. Their response in insufficient. They continue to provide old credit card statements, just showing fees on top of fees. There is no transaction history. I have asked several times, for them to provide me with a signed contract, full details of every purchase on the credit card. Client Services doesn't get to choose what it sends in to verify the debt. Please refer to my previous submission for what I asked for. This is required by FCRA and FCDPA. If your going to ignore these requests I will hire an attorney to sue you back for insufficient validation.
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been repeatedly called by this phone number multiple times per day at all sorts of hours. Everytime I pick up no one responds. I Have returned the calls to find dead lines, no one able to assist me and flat out rudeness. I was refused to be given a business name, phone number and address on several occasions. Additionally without veryifying any information to confirm my identity someone just gave me all my personal information over the phone.
I dont know what this is for and the few things I have placed in collections does not show this company on the chain of title.
|
| 09/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Client Services is reporting negative information on my credit reports. They claim I owe {$1300.00}. I have asked for validation bearing my signature and they have failed to provide this information numerous times. This is the collection company that XXXX XXXX sold the account to.
I also noticed that Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is violating North Carolina state licensing requirements. ( I've attached a copy showing that their license was surrendered. I am asking for this account to be removed from my credit files immediately.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXXXXXX XXXX XXXX XXXX THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR XXXX XXXX AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED XXXX XXXX AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Debt Collector, Client Services has recently sent me a collection letter regarding a matter that was supposedly, resolved, several years ago. They are claiming that I owe XXXX. They are so kind and wonderful to offer me to pay only XXXX to resolve a debt that I DO NOT OWE. This matter was resolved with XXXX XXXX and XXXXXXXX XXXX two years ago. You can reference my previous complaints with CFPB regarding this matter.
Please reach out to Client Services and notify them that their attempt to collect a XXXX XXXX is considered fraud. Thank you.
|
| 12/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me three times while I'm at work from XXXX XXXX to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
|
| 07/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Multiple calls through the day ( 2-3 ) all from the same area code but changing constantly so unable to block. Numbers are from the area of XXXX, Missouri. Have told them " stop calling this number '' repeatedly. This has been going on for months. They rarely talk. It's often a hang up, but one of them finally identified the company as " Client Services Incorporated. '' Which is some kind of debt collector according to the web site, which means they potentially violating the Fair Debt Collection Practices Act.
|
| 03/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But XXXX has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! XXXX NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
|
| 08/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Client services continues to send debt request by mail and I have filed several complaints against the original creditor for selling off a fraudulent debt when they were supposed to honor the fraud claim on this debt after receiving the police reports. This debt is a result of fraud. Send the the debt back to the original creditor and cease seeking to collect a debt in my name as this is fraud. You can retrieve the police reports from the XXXX XXXX police department report XXXX, XXXX or XXXX.
|
| 04/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX store card belonged to my wife who passed away in XXXX and the card kept being charged. I tried to have the card stopped and report this but they ignored me. Not only did I lose a ton of money while still working during COVID but I was hit by a car while at work on XX/XX/XXXX and I am totally XXXX per XXXX. This should NOT be on my credit and I should not be responsible for this charge as many others that happened due to my wife 's account being stolen after her death and illness.
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This collection agent continues to call even though whoever they are trying to contact does not live here. I have called the company and was told they would stop calling. They call every single day!!!!! I cant get them to stop. The agency is Client Services Inc and the number they want me to call is XXXX. That is where I called and told them to stop calling as the person they are trying to reach does not live here. They have called at least daily for a week since I told them to stop.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information.
The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.
|
| 06/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been bombarded with phone calls for someone I don't know. Numerous times per day EVERY DAY!! I have told them several times I don't know the person they are looking for and to stop calling my number. Only to have them say ok and call a few hours later from a different number. The name of the company still shows up but the number is different. I am seeking a work from home job and these continuous phone calls all day impedes on my ability to provide for my children.
|
| 11/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The company Client Services reached out to a minimum of two contacts, who I am not related to, and disclosed that the purpose is to collect a debt on XX/XX/XXXX and XXXX, 2019. I have not heard of others that they may have contacted yet with my personal information. I have not received any attempt to contact or verify the debt through my phone, mail, or email. I did reach out to the company requesting they stop contacting others with my personal information.
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Client services, inc is a fraud. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX mo They have my name and address. Sent me a letter saying I owe them {$2500.00}. They say they are debt collectors. This letter looks so real who knows how many people they have frauded by this! Reading their comments, this has happened to many people. Also, people who work there have commented as its a horrible place and that its not for the kind hearted. Ya because yall are scammers!
|
| 01/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt.
Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food.
My car has been repossed so I have no way to work.
I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.
|
| 04/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company
|
| 03/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each credit bureau.
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made an agreement with Client services Inc. in XXXX of XXXX to have a certain amount of payments automatically withdrawn from my account. The payments were all made and the account was supposed to be paid off. There was not supposed to be Interest charged. I had XXXX in XXXX and was very ill. Apparently I mad a payment during that time. They are now calling me saying that I owe over {$300.00} and the account is interest bearing.
|
| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested that Client Services Validate an alleged debt that they were contacting me about in early XX/XX/2021. Instead they responded by sending medical conditions, diagnosis, and procedures in a correspondence on dated XX/XX/2021. Under the HIPAA law I am allowed to protect my privacy and medical records from third parties. Medical providers are not allowed to share this type of information without a HIPAA authorization.
|
| 11/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute an account fraudulently opened in my name.
I am a victim of identity theft and did not open this account.
I am a victim of the XXXX data breach.
State issued ID have been compromised and my social security has been compromised.
My postal mail was being forwarded out of state where theft of my personal information took place.
I am not responsible for any charges made to these mentioned accounts.
|
| 04/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.
|
| 03/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I kept getting phone calls from Client Services Inc twice a day once in the morning and once in the evening. When I answered the call no one picked up and I hung up. This went on for months.
Company address is : Client Services , Inc .
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Spoke with : XXXX XXXX, XXXX XXXX and XXXX XXXX.
All completely useless and offered no information other than " they are sorry. ''
|
| 10/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Client Services Inc. Calls every 3-4 days without permission. This violates the public law 104-208,110 Stat. 3009 Subsection 805 [ 15 USC 1692c ] ( a ) which states : Without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Repeated phone calls from Client Services , Inc. from XXXX XXXX, Mo. Repeatedly call multiple times a day. When I answer to ask them to remove me from their list, they will not answer why they are calling, or will even hang up. The voicemails they leave are vague and leave no details as to debt they're trying to collect. Pair that with I have no debt in collections, this is getting to be a nuissance.
|
| 04/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
This collection agency is using unethical tactics to collect a debt. I requested the following information from them to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees to validate this debt.
|
| 03/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive about 10 calls in a 5 hour period from the collection agency for XXXX debt of {$1000.00}. This has almost costed me my job at times. I have told them to stop calling me after they started demanding I find someone to help cover the cost after having XXXX. I have blocked over 20 numbers they call me from and I still receive muliplte calls a day from them from all different numbers.
|
| 05/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
|
| 06/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
CLIENT SERVICES IS ATEMPTING TO COLLECT A DEBT WHICH IS NOT MINE, REFERENCE # XXXX FOR THE AMOUNT OF XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT, IN A TIMELY MANNER, IN WRITING WHICH BY LAW IM ENTITLED TO. THEY ARE ATTEMPTIING TO MAKE SOMETHING NEWR THAN IT IS REAGING, AN ACCOUNT THAT WAS NOT MINE TO BEGIN WITH. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS.
|
| 05/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I received a letter from client services attempting to collect on a debt that was already charged off and removed from my credit report I was also contacted by phone by the same credit service the following day. They are attempting to collect a debt of XXXX dollars it is from my understanding that in this time that no one is supposed to be collecting any money at this time
|
| 03/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
My digital wallet was closed by XXXX and sent to Client Services and reported ad bad debt written off..We agreed to settle the account for {$320.00} which would be full payment and account was to be reported as fully settled. I made the payments in installments on XX/XX/20 for {$150.00} and XX/XX/20 for {$150.00}. No corrected report has been sent to the credit bureaus.
|
| 09/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Since XX/XX/2018, I have received 121 calls from Clinet services Inc. The company has called me from two different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have no outstanding debt and there is no reason for this company to call me repeatedly. I have received as many as sixteen phone calls from this company in one day. I believe this is harassment.
|
| 12/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I owe Client Services, debt collector agency, ( Add : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; Ph # XXXX ), an amount of {$1300.00}.
I wish to pay the amount but they are refusing to accept payment by Credit Card.
I have no other way to pay this amount but they are refusing to accept the amount from Credit Card. Say that it ia aginst their policy.
|
| 01/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency XXXX XXXX continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
|
| 06/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Client Services INC. A company that sent me a letter in the mail saying that I owe them debt in the amount of {$1200.00}. I do not know this company nor do i have a contract with this company about said debt. I sent them a letter asking for validation and they did not send me validation. Nor are they licensed in my State to collect said debt.
|
| 06/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Multiple calls each week from Client Services regarding a very old payday loan debt that was discharged in bankruptcy. I have asked them to stop both nicely and not so nice and they continue to call and threaten to take me to court. Not sure of the amount, it is less than {$1000.00}. They called on XX/XX/2022 and they call once a month.
|
| 12/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.
|
| 06/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a collection demand letter in the amount of {$19000.00} from Client Services. I am disputing this debt it has never belonged to me. I am a victim of identity theft. I will not pay this debt of {$19000.00}, because it never has belonged to me. This account is a fraudulent account opened without my permission.
|
| 11/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Client Services INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. Has been sending me a Collection notice with balance {$2600.00} The credit has been reported as a pass due balance. I dont know this company. I never had done any business with this company.This company doesnt have a contract or signature of mines.
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am still receiving calls from Client Services , IncXXXX despite informing them 3 times, to cease telephone communications. I requested that all contact from them be in writing.
Despite three notifications to cease calling, the calls continue. This is a violation of the Fair Debt Collection Practices Act.
|
| 01/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
This company has contacted my family, my job, and me after they were given a cease letter over a month ago. Also, I have been working with an attorney to file bankruptcy after my divorce and they were notified if this. They have been bothering people I know to give them information as to where I work, etc.
|
| 07/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
CLIENT SERVICES. Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number.
I have attempted to block their phone number to make the calls stop ; Ive blocked at least 10 phone numbers but they use a new one every time they call.
|
| 01/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company keeps sending me correspondence advising me of a debt they claim I owe. The letter did not include name of original creditor or any identify data. I believe I do not owe this company anything. I want them to stop.
The letter with no information on a debt may be out of compliance with FDCPA.
|
| 11/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They offered settlement and before the end of payment schedule they sold my account to different company, I paid 7 installment of 10 and when I called them to pay the balance, they said the account sold.
I received a letter from the new collector dated XX/XX/ and my payment schedule suppose to end XXXX
|
| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I assume this is a scam, since we owe nothing to anyone. The voice mail on my cell XXXX states " from client services Inc a debt collector and call XXXX ''.
The calls were made on XX/XX/XXXX & XX/XX/XXXX from phone number XXXX. I will not contact them because I will not use my minutes for a scam.
|
| 06/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
A collection agency for XXXX XXXX named " Client Services '' contacted my employer to reach me. I told him he can not contact me at work. He stated he could. I am a therapist and work with people in crisis. I can not take personal calls at work. The phone number to Client Services is XXXX.
|
| 05/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I requested a documentation that shows that i have a binding agreement with the collection agency or the creditor, whom they are trying to collect on behalf of. They did not send me any information other than a letter stating that i owe an amount that i do not remember ever having.
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I have never had a XXXX XXXX XXXX XXXX XXXXXXXX that gave me {$700.00} in credit.
I have always been denied.
I do not owe this money, this is first notice I have ever gotten, I do not have XXXX XXXX XXXX XXXX credit that allowed me to have any kind of credit.
This is not mine
|
| 06/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They call me at least 3-5 times a day and I have repeatedly asked for written communication only and debt validation. The call from all different numbers and call me and my family several times a day. They have use abusive communications and threatened me and my family.
|
| 01/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I was contacted by the company in question, repeatedly, on XX/XX/21 and XX/XX/21. They claim to be a legal process service company and urged me to make a payment for a debt that I do not owe. When I refused, they threatened to call my employer and family members.
|
| 06/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Client Services INC fax notice on XX/XX/2019 wrong person associated with my phone number requested future contact to only be in writting recievec phone calls on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The company has noted stopped trying to contact me on my cell phone.
|
| 06/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Calls From Client Service I keep telling them to send the debt thru the mail and do not contact me anymore unless its thru mail or email everytime I tried to tell client service this they hang up on me in the middle of the conversation and calls me the next day
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Client Services has repeatedly called me at all hours of the day, nearly every day, since XX/XX/2022. I have blocked the multiple phone numbers that they use, and have told them to stop calling me. They have yet to do so. If needed, I can provide receipts.
|
| 03/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.
|
| 12/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Several of weeks ago I received a notice from Client Services Inc in reference to an alleged balance owed to XXXX in the amount of {$14000.00}. In accordance with the Fair Credit Reporting Act ( FCRA ), Please provide validation of this alleged account.
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
*See 5 Attachments Client Services Inc . Mailed me a Form creating the impression that I owe them for a debt. Within that form is multiple FDCPA violations and i have marked and noted them on the form and included it as an attachment!
|
| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am not XXXX XXXX, do not know XXXX XXXX and they call and call and call and every new number is blocked and they spam call and spam dial non-stop. This is clearly illegal and this is a cell phone which is prohibited by law.
|
| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I recieve phone calls all week long and I just received a dozen letters in the mail. This is workers comp and not once in the process did anyone bill correctly. I do not want to be harassed about this anymore.
|
| 09/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Have called multiple times, but they have never spoken to me or left a message. When I pick up they hang up. Upon looking up the phone number it comes up as Client Services, which is a debt collection agency.
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Client Services Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company of which is calling me, calls 3 times In a row at a time, will leave 30 second to a minute long voice mails, not saying anything and not claiming who they are what they are calling about.
|
| 05/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been notifying them that the debt is not mine but they insist in me paying something that isn't mine.
So please stop contacting me about this because I won't be paying someone else 's debt.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Im receiving notices from client services that I do not feel I owe. I would like a validation of this bill that they claim I owe. I am retired and on sis and would like to stop being bothered.
|
| 08/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I NO NOTHING OF THIS COMPANY DIDNT GET DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY NEVER HAD ANY CONTRACT OR CONTACT WITH THIS COMPANY.
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Client Services , Inc. tries to collect this debt I do not recognize. Please investigate this account thoroughly to resolve this issue in timely manner.
|
| 08/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received correspondence from XXXX XXXX XXXX about an alleged debt in my name. I have no business dealings with them and have no idea who they are
|
| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I owed {$100.00} on the balance and was making payments. I haven't received a bill in the mail in over a year so I took it that this debt was paid.
|
| 12/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have reported to XXXX that I am a victim of identity theft with police report but this company kept sending me collection bill.
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
1. Unlawful Collection Practices & Extortion 2. Violation of HIPPA 3. No Contract or agreement with Client Services Inc.
|
| 06/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Called me threatening to sue me without giving me any information. Also called my daughter threatening her also.
|
| 01/10/2017 |
Yes |
|
|
|
Web |
Older American |
|
XXXX sold acct ( XXXX ) to clent services as theiur is XXXX insurance they failed to activate
|
| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Hello this is XXXX XXXX and I cant pay the whole {$820.00} that I now owe to XXXX XXXX XXXX
|
| 03/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX account reported written off as bad debt was fully settled with CLIENT SERVICES.
|
| 06/11/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a phone call at XXXX XXXX.i block out the number and they still try to call.
|
| 02/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling my employment and i have asked them to stop
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They keep calling on a debt that is not mine.
|
| 01/31/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
Older American |
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
Older American |
|
|
| 11/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
|
|
|
| 04/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/20/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
|
|
|
| 04/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 04/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 11/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 03/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Referral |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 12/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 07/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 05/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 01/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Referral |
|
|
|
| 10/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 09/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Phone |
|
|
|
| 09/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 04/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/29/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 08/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Postal mail |
Older American |
|
|
| 03/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Referral |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 02/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
|
| 02/19/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/05/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 11/29/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/01/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/19/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/06/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/05/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 08/27/2013 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 08/14/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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