Collections Acquisition Company, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 622XX	Web
A company by the name of XXXX ( a company which, by the way, no longer exists ) has been unlawfully reporting XXXX invalid " collection '' accounts in my name since XX/XX/XXXX, for the amounts of {$210.00} and {$210.00}. I first discovered these errors and several others when I pulled my own credit report for the first time in many years while looking for a house. I pulled XXXX initially and upon receipt was shocked and highly concerned to find a significant number of invalid, inaccurate, and just blatantly false information. I immediately entered a credit dispute with XXXX for each and every " collection '' account listed due to the fact that : 1. I recognized NONE of the companies reporting said " accounts ''. 2. I HAVE NEVER even sent a payment in late, let alone missed one entirely, and would most certainly not allow a debt to simply go unpaid. Fortunately, XXXX and each " creditor '' they contacted in an attempt to validate the supposed collections agreed that not one of the accounts were valid, and the outcome of that dispute was that all were deleted/removed within a 45 day period between XXXX/XXXX/XXXX - XX/XX/XXXX. The XXXX XXXX accounts did differ from the others in the fact that, once I was provided the name of the original creditor, I did recognize the situation in question. What they are calling " accounts '' were actually XXXX checks written for textbooks to the campus bookstore at XXXX XXXX XXXX XXXX College, but that had been PAID IN FULL immediately upon notification that the checks had been returned due to NSF ( calculation error on my part when reconciling my checkbook ). I realize 7 years is a long time ago, however, there is no question that the checks were paid promptly and in full. Here 's why : - The one and only time I had to physically go to the Bursar 's office was to remit payment for those checks. All other tuition and fees were paid online as it was an XXXX course. - XXXX XXXX XXXX is not my XXXX XXXX. I took XXXX XXXX class through them to fulfill a XXXX hour XXXX requirement I needed to graduate on time with my XXXX from XXXX University. - As a XXXX, if I had had ANY outstanding balance whatsoever, XXXX XXXX XXXX would not have released my transcripts. Clearly, though, they did release them. Otherwise I would not have graduated as planned, and yet here I am staring at both that XXXX degree and my XXXX from XXXX, as we speak. After realizing how riddled with errors my XXXX report was, I pulled XXXX and XXXX as well. Sure enough, I found many of the same completely invalid " collection accounts '' were being reported to XXXX and XXXX as well. So I entered credit disputes with both XXXX and XXXX just as I had with XXXX. To my shock and disgust, the results of said dispute indicated that these collections would remain on my report. I have since filed re-disputes for these items through XXXX with the same results. I 've also contacted XXXX by phone and explained that these accounts have already been deemed invalid and deleted from their records. Not to mention the fact, that it IS THEIR duty to conduct a reasonable investigation, and I 'm not sure how you can claim to have received a response from a company that no longer exists. They have been entirely unhelpful. I 've also attempted to contact XXXX ( currently know as Payliance ) directly to bring to their attention to the fact that they are not fulfilling their legal obligation to have these accounts deleted from any/all credit bureaus to which they 've been reporting falsely. I noted the dates the accounts were invalidated by XXXX, and receive nothing but a form letter in return. The bottom line is XXXX is not doing their due diligence in investigating this issue and XXXX/Payliance is just blatantly breaking the law by continuing to report information that they 've already conceded as false.
09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44460	Web	Servicemember
This debt has been resolved with the original creditor XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. Further, XX/XX/XXXX, XXXX Last Name unknown ( XXXX ), a mail employee of Payliance, was advised via telephone I disputed the validity of the debt since I had resolved the issue with the creditor. I provided Payliance / XXXX, a faxed and mailed copy of the pay voucher signed by XXXX, employee of XXXX XXXX, XXXX, Ohio, in the amount due and waiving any further fees. This information was updated in the system Payliance and XXXX XXXX share and utilize for collections, as verified by Customer Service, XXXX XXXX XXXX XXXX a female employee of XXXX XXXX in XXXX, Ohio. Payliance has made NO attempt at collection or verification of this debt. I have not received any written correspondence or telephone calls in regards to the validity of this debt once I disputed the debt with XXXX XXXX of PaylianceXX/XX/XXXX. I have recently attempted to resolve this disputed debt as it has come to my attention it is reported on my credit report as a derogatory item. I have attempted to resolve this with the Payliance/XXXX with no resolve. XXXX XXXX XXXX XXXX of Payliance has not attempted to collect the debt during my phone calls and has not attempted to provide any further resolution to the debt. I am providing the a log of the attempts I have recently made to resolve this issue : On XX/XX/XXXX, XXXX : Called Payliance at the listed number ( XXXX ) and was on hold for four minutes and then hung up on at XXXX. XXXX : Re-dialed Payliance at the listed number ( XXXX ) and was on hold for two minutes and then hung up on at XXXX. XXXX : Re-dialed Payliance at the listed number ( XXXX ) and spoke to XXXX XXXX XXXX ) regarding the derogatory entry on my credit report. XXXX XXXX XXXX XXXX stated he " possibly received a fax receipt for XX/XX/XXXX. '' XXXX further stated that I needed to contact XXXX XXXX and request they update the XXXX system to state the debt was paid. XXXX : I called XXXX XXXX, XXXX, Ohio, and spoke to XXXX. XXXX initials of individual who signed pay voucher and did not state her name, ) and she advised the Payliance/XXXX shows that the debt was paid XX/XX/XXXX, for the amount owed and all other fees waived. XXXX : Called Payliance at the listed number ( XXXX ) and received a voicemail message. I did not leave a message. I hung up and Re-dialed immediately, at XXXX : Spoke to Payliance/XXXX and advised XXXX XXXX XXXX XXXX that XXXX XXXX had updated the XXXX system shared with Payliance XX/XX/XXXX when I paid the debt in the store. XXXX advised XXXX XXXX needed to confirm the payment to Payliance XXXX XXXX that the debt is resolved. During the conversation, I advised XXXX XXXX XXXX XXXX I was willing to pay the {$40.00} Service Fee if I could resolve the debt and Payliance would take the derogatory information off of my credit report. XXXX refused to acknowledge my statement and continued to repeat that I needed to contact XXXX XXXX to have them update the XXXX XXXX System. XXXX : I called XXXX XXXX, XXXX, Ohio, and spoke to XXXX XXXX XXXX XXXX Customer Service Supervisor, who verified the Payliance XXXX XXXX system was updated XX/XX/XXXX, with the payment. XXXX of XXXX XXXX sent a fax confirmation to Payliance XXXX XXXX. I have made additional attempts to contact XXXX at Payliance, or anyone at Payliance, to verify if the verification has been received and updated in the XXXX System so that I can resolve this issue. I have made attempts to contact Payliance at XXXX, and no one answers, or I received the voicemail message to leave a message. I have attempted to contact XXXX XXXX at XXXX, this is the creditor information on the credit report.
02/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30039	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PAYLIANCE XXXX XXXX XXXX, XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
10/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
The XXXX XXXX XXXX business was a XXXX XXXX XXXX XXXX that I was paying for my child. Suddenly around fall of last year, I noticed that my son 's tutoring program was changed without my permission. I asked why, and I was told it was by his father. I promptly called him and told him to desist from doing so, because I am the one paying. At the same time, my bank changed their systems and needed me to re-install all standing orders and so on. Unfortunately, this XXXX XXXX XXXX company was unable to take their amount. And why it took such time for them to communicate this problem to me, was puzzling. As soon as I knew I fixed the problem at the bank. Still, this XXXX XXXX XXXX failed to honour my request to return my son 's program back to what it was supposed to be ; despite being the paying parent. And having my knowledge than all of them about education pertaining tot he child who I literally tutored from birth. In any case, I reset the account information and they continued to receive their payment. No one ever told me anything about collection action and no documentation of that notice was ever sent to me. I had no way of knowing such an action existed and this had caused it to be damaging to my credit in many ways. In fact, it was by sheer chance that I found out today that this had happened and has been since XX/XX/2019 ; despite the fact that I do not owe this company, I do not owe this amount and I have no debt with them. In fact, this company owed me for failing to inform me of changes even though I was the paying parent. In addition, there were months my son received no classes before and after the pandemic while they kept charging me repeatedly. For these reasons, I want them to refund all the money I paid for classes from XXXX to XXXX. Thus, this company is fraudulent and can not be trusted. They did not care about the impact of this unknown development on the parent of the child they are teaching, and who has been paying them for years ; but choosing to report me to the credit bureau on a whim, and keeping the information from me in a way that was damaging to me is unconscionable. I only found out this morning while checking for an unrelated item. Despite my continual payments to them for services, they never corrected the error, or deemed it necessary to inform me of this problem. This is a shock to me and I find it hard to believe that the manager could support an action like this and not tell me. This action shows a lack of humanity and I want this to serve as a lesson for others to share.
05/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67216	Web
I have previously filed a complaint against this company for refusing to return my calls and messages I left on their voicemail. They claimed in their response to the CFPB that they had no record of those calls and voicemails which is a lie. They provided an email address and a fax number for me to send documents to, which would be used help remove the debt that was placed on my credit report due to identity theft. I have sent a fax from my bank on XX/XX/2022. I was not aware until I attempted to send another fax today XX/XX/2022 from my bank and it came back that the fax number they gave me was not working, I attempted to send an email to the email address they provided and I got an email back that their server rejected it due to a setting they have. I was able to speak to a collections rep at Payliance on XX/XX/2022 and she was very rude. She antagonized my wife and I and made up lies. She claimed that Payliance received so many emails in the last week it crashed their server. I explained to her again it was a fax not an email. She told me they are processed in the order received. I told her this needs to be urgent as I would have sent the required documentation months ago had I received a call back when I left voicemails. She asked if I would hold while she called the supervisor of the dispute department which she claims is the department handling the accounts now. I responded yes and then immediately she said he just responded. I am completely unsure how she got a response from someone so fast that she claimed she needed to call when she never actually put me on hold or even had enough time to call someone. Either way she gave me the same response of all claims are handled in the order they are received. Before I got off the phone with the collections rep she told my wife and I that she prays that Payliance will resolve my issue soon. It has now been 20 days since my first fax, and 13 days since I talked to the collections rep and sent the email. They have continued to lie over and over. I need my issue resolved now.
07/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 54902	Web
The dispute is with the collection agency Payliance. Original creditor name XXXX XXXX XXXX. Date assigned-XX/XX/XXXX original amount owed- {$28.00} Amount now- {$40.00} as of XX/XX/XXXX. Status on my credit report is UNPAID. Account Designator Code-INDIVIDUAL ACCOUNT. Creditor Classification-Retail. Comments listed in my credit report, Returned Check. The second account disputed is with the same company. Date assigned-XX/XX/XXXX. Original amount owed- {$36.00}. Amount- {$40.00}. Status date same as above as well as account Status-UNPAID. Account Designator Code same as first account and so is the Creditor Classification. Comments also the same- Returned Check. I have tried contacting these people a couple years back and explained that these accounts are not mine. They are the result of my ex-boyfriend 's. I also filed a dispute through XXXX regarding the accounts, and for about a year and a half these accounts disappeared off my credit report. Now for the last year about, they have returned to my credit report only on my XXXX in the Derogatory section. They are not listed on my XXXX anywhere. I do not know what else to do. I was told by someone at Payliance that this would be removed and the matter was resolved. Which it appeared for a short time that it was. I do not know how else to handle this. I understand that the accounts are in total only {$80.00}. I have been told I should just pay them and get it over with. But I feel like I am admitting that I have done something wrong. I have had other delinquent accounts in my ex-boyfriend 's name somehow end up on my credit report. This was with XXXX XXXX XXXX for a utility bill for his home in his name and some how it ended up on my credit report as a delinquent account. I filled a dispute and within 6 months those two accounts were removed and have never reappeared. I hope someone can help me resolve this issue once and for all. Thank you
06/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73071	Web
I contacted payliance dispute department about fraudulent checks that were written in my name to XXXX XXXX XXXX XXXX. I opened a case with XXXX police department regarding identity theft. I contacted the bank regarding the checks that were supposedly written. The bank stated, " that their was no existing account and the checks were fraud. '' The checks were not my correct name, not my signature and the ID used was reported stolen with XXXX police department way before checks were written. I've set several emails to payliance with the fraudulent case reported to the police department. I have called and left messages. The company does not return calls, gives the run around and does not respond to emails. I have requested that the debt be removed from my credit on numerous occasions and it still has not been resolved. -- -- -- -- Original message -- -- -- -- Date : XX/XX/23 XXXX XXXX ( XXXX ) To : XXXX Subject : Attention dusputes department Here is the following here is the following " XXXX Police Department Case Summary '' report requested. After contacting XXXX XXXX for a second time after speaking to you. I was told by XXXX XXXX that due to the fallowing fact regarding the fake checks all charges should be immediately dropped and my credit should be restored. 1, The checks are fake and there is not actually account associated with them. 2, The name is not my actually name. 3 The signature does not even remotely resemble my signature. 4 The ID number is written on the check was reported stolen way before the check was ever written. You can also contact XXXX police to get that report. XXXX, XXXX XXXX has given me his contact information to pass on to you if you have any further questions regarding this case.
02/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 14206	Web	Older American
I sent a check to pay for my property ( in XXXX ) XXXX I transferred money to my credit union only my bank sent the transaction twice, leaving my checking account short, and my check NSF. Before the county could cash my check, another company, called XXXX XXXX XXXX, cashed my check, then the debt collector for the county cashed my check, then I received a letter ( XXXX ) from a company in XXXX called XXXX, stating they were collecting a debt for XXXX XXXX XXXX XXXX So, not only did XXXX XXXX XXXX hack into XXXX XXXX to get the copies of my check, but so did XXXX I called them that day demanding to know who XXXX XXXX XXXX was and the girl on the other end was very rude and hung up on me.I received another letter from them on XX/XX/XXXX. On that same date I sent the bottom of the first letter back to them requesting that they give me the name and address of the original debtor. I received an answer from that on XX/XX/XXXX. I called the accounting number associated with that address for XXXX XXXX XXXX, and after sharing civil conversation, they did not have my information nor did they have anything to do with cashing my redeposited check. On XX/XX/XXXX, XXXX filed a bad debt on my credit report for non payment of debt. I called them .I told her I had paid my taxes directly to the county that I owed them to and that she was a fraud. I asked again who XXXX XXXX XXXX was and she said it was a typo. And I said 3 times? I had to send electronic copies of proof of payment of my taxes and now it's going to take this fraudulent one person company three weeks to remove a bad credit report from my score
10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80127	Web
On XX/XX/XXXX, my wallet was unfortunately stolen. I promptly called my creditors and had them cancel my debt cards. On XX/XX/XXXX, I received a piece of mail notifying me that a check under my identity had bounced. This came at a complete shock to me as I have never ordered checks from my bank. To be quite frank, I barley know how to write a check. On XX/XX/XXXX, I went to my local police station to file an identity theft case. The police officers advised me to call my creditors and freeze all my accounts due to the circumstances. From XX/XX/XXXX, I continuously received mail regarding NSF checks and collection notifications. I personally called each of these debt collectors and provided them with my case number. I also made a copy of each piece of mail I received and emailed that to a detective that was assigned to my case. A women was arrested earlier this year ( XX/XX/XXXX ) and had my licence, as well as many others, in her possession. She was put into a drug program and later missed her court date and is currently on the run. This women wrote approx 16 checks ( that i know of ) in my name totaling about {$3700.00}. That is not including all the added fees for the check bouncing in the first place. I am now in a place in my life where I am trying to buy a house with my boyfriend and its so crushing to know that something I had no part in is effecting us so greatly. I could not even get a loan for a car right now if I needed to do so and its very frustrating to be going through this at XXXX years old.
10/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60564	Web
Dear Sirs, XXXX on XXXX XXXX XXXX XXXX IL made charged {$XXXX} to my account by mistake and gave it to Payliance for collection.After I spoke to Miss XXXX of XXXX XXXX she cancelled it on XXXX/XXXX/XXXX. Payliance XXXX told me that they sent cancellation notices to three credit bureaus on XXXX/XXXX/XXXX. I got a email alert from XXXX XXXX credit secure on XXXX/XXXX/XXXX that my credit score went from XXXX to XXXX because Payliance did not cancelled the item from my credit which they reported to three credit bureaus .I called again Payliance / XXXX on XXXX/XXXX/XXXX and they told me the same thing again that they sent cancellation to all three credit bureaus. Payliance on XXXX/XXXX/XXXX updated my credit report saying that they are in process of collecting debt from me, which is totally wrong. Because I dont owe any money to XXXX or anyone else.I have the email from XXXX XXXX of XXXX that I dont owe anything. I also have two voice messages of XXXX XXXX that she called Payliance XXXX and told them to cancel it on XXXX and XXXX.XXXX is not removing the item from my credit report. I am never late on my payments ever and I work really hard to keep good credit. Sirs I request you to help fight Payliance to remove the wrong charge on my credit report.Thanks a lot. Best regards
06/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 559XX	Web
On XX/XX/2015 I submitted a FULLY VALID check ( convenience check with plenty of available balance ) to a grocer and it was sent to collections erroneously as a " returned check '' because they did n't process the check properly. The debt collector it was sent to lied to me, stating they sent me a notice XX/XX/2015 about this check being " returned ''. I never received that letter and they sent me a " copy of the letter '' ( dated XXXX XXXX when they sent it after I called, not XX/XX/2015 ), when I discovered the error on my credit report. The bank on which the check was drawn NEVER RECEIVED the check and thus could not have returned it. I have that letter in writing from that bank proving it was never received, thus not returned. Now my credit scores have plummeted, and is marked as a collection. Just today on XXXX XXXX it is saying the collections were removed, but my score is still disgustingly low, and it has marred my standing for anyone looking at my report all this time. It is showing I wrote a " bad check '' when I did no such thing! My scores were " Excellent '' and now " Poor '' due to something I did not do, and the involved bank gets off scott free.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 283XX	Web
After reviewing my credit profile on XX/XX/2023\| identified a discrepancy with account listed under PAYLIANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
04/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 33712	Web	Servicemember
I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all
01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 93550	Web
I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. I am requesting that these damaging items be removed from all three credit reporting agencies. Respectfully, XXXX
12/20/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 292XX	Web
I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.
07/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92804	Web
When I was doing my routine bank reconciliation with my bank account, I noticed that there were several checks that was cleared by my bank that is a complete fraud ( the check itself ) and forged ( signature of my wife ). What I did is to contact my bank and have these checks dishonored due to fraud. I completed some paper works that the bank asked me to do. Several days later, I received a collection letter from Payliance ( Collections Acquisition Company , Inc. ) collecting money. It was sent to my address. A copy of the check was even included in the letter. What is absurd is that a certain XXXX XXXX XXXX XXXX name is printed on the check, together with my name as well as my wife 's name. I called up Payliance several times and what I always get into is to wait, and after a long wait, I will be prompted to leave a message. How can I get this cleared when this is the kind of service I get from this Payliance. I have nobody to talk to.
04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39466	Web
I have repeatedly disputed a collection account appearing on my credit report. On XX/XX/2017. I wrote a check to the USPS. I wrote the check on an account that I had closed. I just happens to have the old check book still in my car and used the wrong check book. Once I was notified by my local Post office, I immediately went back to the post office and redeemed the check with a money order. However they still gave it to a collection agency and it has been passed around for several years. I have made several trips to the post office to no avail. I have called the toll free number and gotten no results. I have called the collection agency listed and they will not remove the incorrect information. I have disputed with all three credit reporting agencies with no positive results. My credit score suffers and I am repeatedly denied credit because of this. Please assist me in resolving this matter that has persisted for several years now.
11/18/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MO 64119	Web
We received a letter from debt collector, Payliance dated XXXX XXXX, 2015 stating that we owed {$150.00} plus a {$35.00} service fee for our XXXX payment to our son 's orthodontist XXXX XXXX. However, This payment was PAID XXXX XXXX, 2015 Payliance had deducted the amount of {$150.00} PLUS a {$25.00} fee from our checking account. I sent them documents on XXXX XXXX, 2015 disputing the outstanding debt and documbents showing where they automatically took the money out of our checking plus their fee. Since then, our orthodontist has verified the account was current. But, Payliance is continuing calling us claiming we owe them the money. they called : XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX., XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX., XXXX XXXX at XXXX a.m. and XXXX XXXX at XXXX. They are calling to collect on a debt that is not valid as of XXXX XXXX when they automatically took the money out of our checking account.
05/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 776XX	Web
sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from XXXX XXXX IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND
12/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
I recently discovered that XXXX XXXXPayliance is reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to me )
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20904	Web	Older American
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX with proof of payment and mailing on XX/XX/XXXX. This debt is reported by CYBRCOLLECT # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. I have tried numerous times to call CYBRCOLLECT using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to CYBRCOLLECT on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WI 53204	Web	Servicemember
I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
04/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80234	Web
I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today XX/XX/2017 I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice
06/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94605	Web
The account reports it was open on XX/XX/XXXX. I was notified via credit alert in XX/XX/XXXX about the account. I canceled a service with XXXX XXXX XXXX in XX/XX/XXXX. I was aware I was sent to a collection agency. I emailed the XXXX director on XXXX XXXX who stated that I was charged for XXXX despite canceling the service. She also stated in the email that the record will clear once the balance was paid. I reviewed all of my informed delivery notifications between XXXX and XX/XX/XXXX and I do not have anything from CyberCollect/Payliance. I emailed them on XX/XX/XXXX informing them I did not receive any notices and I am willing to pay provided the account is removed from all 3 bureaus. They did not respond.
10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10039	Web
I submitted a dispute against XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; was told that once I did so the vendor had 14 days to respond. I was also told to wait An additional 7 days before inquiring the decision. a total of 21 days ; I called and spoke with XXXX and she tried to reach the dispute dpt but to no avail. I also called the disputes Dept right after ; No one answered but I left a very detailed message. Waited till Friday ( 48hrs later ) never got a return call; left another msg. Called again today Tuesday XX/XX/XXXX. It's been nearly 30 days and I have no update. No one answers the phone or returns messages. I have be given no correspondence. This is greatly affecting my credit score and life.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 223XX	Web
The creditor CYBR refuses to remove {$200.00} debt from credit reports after prematurely submitting me to collections. The attached documents show I was an active paying customer when my account was sent to collection in XX/XX/2019. The attach documents also show that I paid my six month contract in full at {$150.00} a month. The credit can be reached using the following contact information. I also attached where the debt was removed from my report and then reappeared. I have also put in complaints with both XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Or Contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
08/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75034	Web
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 40216	Web
ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.
12/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11203	Web	Servicemember
I had a Dispute with XXXX XXXX XXXX and the owner is named Ms. XXXX XXXX. I removed my child from the Program. However, Ms. XXXX XXXX claimed that I still owed her for the upcoming month that my child would not be in attendance. I filed action against her in the Civil Court of New York , County of XXXX and won a " Notice of Judgement '' Index # XXXX in the amount of {$330.00}. She was also notified of this judgement by the courts. However, she sent a false amount that I owe her to a crooked collection agency named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX http : XXXX Email this Business ( XXXX ) XXXX
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22310	Web
On XX/XX/2022, a company by the name of Payliance added two accounts to my credit report for XXXX XXXX. I did not authorize or open these accounts and I was only made aware after receiving an XXXX alert on XX/XX/2022 that the accounts were added to my credit report. The accounts have an adverse effect on my credit report therefore I am working to get the reports removed and the accounts are being investigated. The original creditor is XXXX. The creditor on my credit report is Payliance. After speaking with XXXX, this is an XXXX XXXX forum where my stolen identity was used. In addition, the impersonator is in MD.
04/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33461	Web
Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76017	Web
XXXX credit bureau issued a collection debt on my credit report for {$540.00}. I called customer service and was told that somebody opened a debit account in my name, used it to make a bet in " horse racing '' for XXXX XXXX XXXX then immediately closed the account after placing this bet. This charge happened in XXXX, I am currently a XXXX resident. I have never made any bets in horse racing and am completely unaware of how this could have happened. The lady said my identity had to of been stolen for this to happen due to it being a bank account that was used and not a credit card.
11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28273	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53704	Web
My name is XXXX XXXX, I happened to have a person who shares the same name and last name with me in XXXX Wisconsin. I paid off all my debts on my credit but collectors keep putting his activities on my credit report. 1 ; three account all from woodmans grocery store. the amounts are {$130.00}, {$120.00} and $ XXXXThese are negatively affecting my credit report on XXXX. I know this person and talked to him about it and he admitted the accounts are his. Can you please help me and make sure this doesn't happen again. This not the first time,
07/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38801	Web
In XX/XX/XXXX, an amount of XXXX appeared on my credit report from XXXX XXXX XXXX A check had been written on an account that has been closed since XXXX, when I had identity theft. This is not my debt. I received a call From Sheriff department in XXXX county in XXXX XXXX. There has been another check forgery in XXXX county. I have not written any check to XXXX XXXX XXXX. These checks are forgery. I disputed these allegiations but the calls continue. Numbers-XXXX, the recording states time sentive, call XXXX Reference number XXXX
08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 672XX	Web	Older American
A check bounced that is not in my name, on an account I do not have, and the debt. collector refuses to remove it from my credit report. I have been sent a copy of the bounced check, and when I have tried on several occasions to call them they will not return my calls. The company XXXX debt. collecting agency XXXX is Payliance. The phone number I keep calling is XXXX. Address XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX This is on my XXXX credit report. The amount is approximately {$330.00}. The police report # in XXXX, XXXX is XXXX
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA XXXXX	Web
I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91739	Web
I created an account to monitor my credit and see the XXXX collection still on my credit. This account was paid with the agreement that it was to be deleted from my credit profile, yet it was only updated to paid. I was advised I needed to dispute this with the bureaus with no reply on the status, hence this complaint. Due to manipulative collection tactics with not following what was advised I am filing this complaint as it needs to be removed promptly to rescore my credit, per agreement.
07/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I received a letter on XX/XX/2022 from Payliance debt collector that it said a have to pay a debt from XXXX of XXXX XXXX I sent back a letter to explain that t debt was not mine, I did not make any transaction on XX/XX/2022, and I have my bank statement from this period to prove it. I was trying to contact the phone number that the letter provided but was disconnect. please, I need your help, because I believe I have been a victim of identify theft
09/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32548	Web
Someone stole a check from me and used it at XXXX XXXX XXXX XXXX. The store obviously didnt ask for Id to verify the check belonged to the person because I didnt write the check. I have contacted the business years ago and also disputed it with the collection agency and the credit agency. This is still on my credit report and signature on the check is not even mine. This has affected my credit score for years and its time it be removed.
08/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33547	Web	Servicemember
Old Checks were compromised and transactions were made twice to XXXX XXXX XXXX. I didnt receive notification about this until I received a called from the collections agency. I explained to them this was fraudulent activity and I will be submitting a police report. I filed a police report and submitted it to Payliance several times. This was the 6th attempt reaching out to them and no response. I have documents to support this problem.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60634	Web
Again, this fraudulent debt has been disputed with Payliance thru the credit bureaus several times. Their company name listed on XXXX is Cybercollect and Payliance on XXXX. So from now on all of my complaints with this company will be handled thru The Cosumer Finance or the FTC. I've attached my official statement of ID Theft for this account. If this isn't removed from my credit file I will go further with the process.
09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67212	Web
I have four accounts that were submitted to me from collections. Company name Payliance. The checks that were written were fraud/identity theft against me. I have submitted police reports and have resolved this with local District attorney in the county that the checks were written. Amounts {$220.00}, {$140.00}, {$120.00}, {$380.00}, Two were written on XX/XX/2020 and two on XX/XX/2020.
10/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 456XX	Web	Servicemember
i sent a debt validation letter on XX/XX/2023 requesting validation under the fair debt collection practices act, 15 USC 1692g.the company has failed to validate this request within the 30 days. so i got there phone number and called to talk to them and i was told that they are not required to answer the validation request.
05/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07030	Web
i was looking thru my credit report and noticed this account from cybrcollect which i had never applied for. This account does not belong to me and is the result of fraud and i have never given them permission to have access to my personal information. I have filed an identity theft affidavit to support my request.
10/10/2023	Yes	Debt collection Telecommunications debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 346XX	Web
CybrCollect, a collection agency, showed up on my Credit Report and it is a claim that I owe USPS {$550.00}, but I talked to USPS and they don't do collections for XXXX XXXX es or anything like that. I also never opened a po box , or had any other services, involving that much money as claimed in the collection.
10/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 356XX	Web
Payliance and XXXX XXXX credit card have recieved my police reports i sent them along with a copy of my drivers license but they say im still responsible for a returned check and an outstanding balance i did not right in XXXX of 2021. I sent them multiple police reports and its still showing on my credit report!
05/27/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 93536	Web
Payalience has continued to try to charge me for a debt that was already taken care of in my XXXX report its closed and a different Collection agency is listed so makes me believe that XXXX disclose my information to XXXX different collection agency 's which its illegal the XXXX XXXX is XXXX and second payliance
06/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN XXXXX	Web
Payliance has failed to provide notification of debt collection. Payliance has not responded to my request to verify the debt. Payliance is required by the FDCPA to provide validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation with Payliance.
06/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77053	Web
PAYLIANCE is sharing my nonpublic personal information with non affiliated third party XXXX, XXXX, & XXXX. I did not give my consent to have nor share my private personal information. In the FCRA section 1692b states without the prior consent of the express permission of a court.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 645XX	Web
I paid off a delinquent collection account it was reported on my credit under 2 company names one being Payliance and the other cybrocollect but are both for the same debt. I paid the debt and creditor agreed to remove account but XXXX XXXX has refused to remove the information
07/05/2017	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX drawn on a bank that I have never had an account with.
04/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web
My compliant is regarding USPS XXXX XXXX TX account shows delinquency on my credit report. As of XX/XX/2020, this account with USPS XXXX XXXX TX were paid in full. Please have Payliance Collection update account USPS XXXX XXXX TX paid in full on my consumer XXXX report.
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA XXXXX	Web
company called me didnt know who they was never received anything from them. put on my credit report. said that i owed them {$59.00} for a {$29.00} ups bad check. told them never wrote a check, send a copy of a check, told them must be fraud they refuse to do anything.
10/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29483	Web	Servicemember
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote
11/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 129XX	Web
Cybrcollect is showing up on my credit report stating I owe {$420.00} and {$120.00} for XXXX. I have never heard of this. I have also never received anything in the mail. I would assume the company would mail me something.
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	GA XXXXX	Web
kept calling my phone, asking me to pay the bill, and refusing to speak to attorney, attorney asked them remove this from my credit and provide her with the necessary party that provided them the information, they refused.
04/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40229	Web
I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.
10/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11206	Web
This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.
04/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 65802	Web
I noticed collection on all 3 credit bureaus. I did not make a purchase from any XXXX XXXX XXXX XXXX! The collection amount is XXXX. I filed a dispute with all 3 credit bureaus to no avail!
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
08/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
10/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48186	Web
XXXX has been hounding me for years about a account that's not mine in the amount of {$58.00} for the XXXX. I want it removed I keep disputing it but it remains. Please help me.
04/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29414	Web
I have not has any personal dealings with Payliance. never sent anything in the mail stating that I owe them and how. I just say this information on my credit report one day.
12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35244	Web
This debt is not mine. I have never owed the original owner of the debt as I never had an account or dealt with the original owner nor this XXXX party.
04/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 776XX	Web
I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money
11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 293XX	Web
on XXXX 2020 i disputed the items with XXXX about i have already the debt to the original creditor and they have not remove it from my credit
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA XXXXX	Web
they refused to provide the address and contact information of the original creditor, just the XXXX and no other info ...
03/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 324XX	Web
I've got text and emails various be loand places I didn't sign up for. Some say XXXX denied and etc idenity stolen
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA XXXXX	Web
they never sent me a first letter, just started calling me and sending me letters to pay the bill
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72206	Web
Payliance send me a bill for {$530.00} that I owe XXXX I have never been on this site.
06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web
Someone used my personal information as a result of IDENTITY THEFT
08/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 15601	Web
Was never notified of the debt.
06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79763	Web
This debt is not mine.
02/05/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 72204	Web

10/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48304	Web

10/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55103	Web

09/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 67063	Web

06/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97239	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12401	Web

04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12401	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77084	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20850	Web	Older American

10/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72217	Web

10/24/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72217	Web

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72355	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72217	Web

04/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67216	Web

03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93108	Web

11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78217	Web	Servicemember

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

11/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78217	Web	Servicemember

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07201	Web

09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH 45335	Phone

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67039	Web

04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30314	Web

02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93584	Web

12/10/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	NC 29732	Phone

11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07010	Web

10/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55112	Web

09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14626	Web

02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33432	Web

01/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32245	Phone

09/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33611	Web	Servicemember

07/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28277	Web

06/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75203	Web

05/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60634	Web

05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53083	Web	Servicemember

04/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72209	Web	Servicemember

04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22553	Web	Servicemember

12/04/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WY 82001	Web	Servicemember

10/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08053	Web

10/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75150	Web

09/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30458	Phone

08/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 36330	Web

07/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60647	Web

06/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91739	Web

04/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22203	Web	Servicemember

03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22405	Fax

01/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

12/29/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27713	Web

12/15/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 31324	Web

12/13/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29202	Web

12/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

10/05/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21902	Web

09/30/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21902	Web

09/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31324	Web

04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29485	Web

03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ME 04342	Phone

03/15/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29418	Referral

01/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45207	Postal mail

12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30302	Web

10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37650	Web

10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00791	Web

04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94928	Phone

04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47117	Web

11/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29645	Web

09/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93953	Web

11/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77588	Web

11/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89142	Web

09/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	MT 59860	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91607	Web

07/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NY 11703	Web	Servicemember

07/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98360	Web	Servicemember

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 62221	Web	Servicemember

05/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48101	Web

05/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29644	Web

04/07/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	SC 29466	Web

04/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53806	Web

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91308	Web

01/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84057	Web

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 16003	Phone

11/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85331	Web	Servicemember