COMMERCIAL SERVICES GROUP, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
Web
COM SERV GRP has been on my credit report since XXXX of XXXX. However, I never gotten a phone call nor a letter in the XXXX from them stating they was trying to collect on this debt and I had the right as a consumer to request validation. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the 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 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Putting this false information on my consumer report has damaged my reputation 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or A negative balance means I owe something but if balance in positive amount, how is it a bill/debt owed? 15 US Code 1666- Correction of billing errors : if sending me a bill or statement, then billing error and violates my consumer rights. 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company has tarnished my reputation and violated so many of my consumer rights. - Volenti non fit XXXX XXXX for to a willing person, it is not a wrong. The legal maximum holds that a persona who knowingly and voluntarily risks danger can not recover for any resulting injury. - Debt collector willingly bought bad debt to try and get consumers to pay still. You are at fault not me because you bought this bad debt not me I was denied for many things because of this collection on my account and with no way of knowing about it before reporting to consumer agencies denied me my consumer rights of requesting validation. This is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection : 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
10/14/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23601
Web Servicemember
I am showing on my credit report that this company is reporting an incorrect debt on my report. I am showing on my credit report that debt collections company " commercial services group '' is reporting a debt in the amount of {$580.00} for XXXX XXXX in which is a telecommunications company in the state of XXXX in which I do not live. I have disputed this several times and I have sent over valid photo ID showing that I have lived in XXXX since XXXX and since have moved to the state of Virginia. I did not live at the address that they are stating that this service was established at. I have sent over supporting documentation and I am demanding to have this inaccurate debt removed from my credit report.
09/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06790
Web
XXXX 's was my employer from XX/XX/XXXX until XX/XX/XXXX and during that time I used bereavement time that was given to me and approved by my supervisor. I had called to talk with payroll about my bonus that I was awarded and the woman I spoke with had decided that I had used too much time for her liking and sent me a bill for {$1300.00} which I have no idea how she came to that number. As I said my time off was approved by my supervisor therefore this debt is not valid. Can you please contact me with details on how to move forward. It is now at collections Commercial Services Group XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX Thank you XXXX XXXX XXXX
12/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • XXXXX
Web
I ordered some coins from XXXX in the amount of {$670.00}. I never received the coins so my bank issued a chargeback. Now XXXX XXXX XXXX is trying to collect money for a product I never received. Its pretty simple to prove I never received the package. It was shipped with a signature required for delivery. There is no signature because I never received the coins!!! XXXX XXXX XXXX said to notify them within 30 days if I dispute the validity of this debt. So this is my dispute, with the CFPB as my witness. I do not owe this money.
07/07/2021 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
  • IL
  • 60901
Web
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29016
Web
04/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38024
Web
07/16/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53744
Web