Concord Servicing Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC XXXXX	Web	Servicemember
See XXXX XXXX Response At Bottom XX/XX/XXXX Dispute Concerning XXXX XXXX XXXX & Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX timeshare location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. The prior management company later regained control of XXXX XXXX XXXX XXXX and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. This negative report needs to be removed from my credit report. I have filed a complaint through XXXX. Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report. Company 's Response XX/XX/XXXX Good afternoon : Thank you for bringing this matter to our attention. Please know that Blackwell Recovery is a completely independent, third-party collection agency providing services for XXXX XXXX XXXX. Blackwell Recovery provides these services to its clients within the guidelines of all state and federal laws and regulations. On receipt of XXXX XXXX complaint Blackwell requested verification from XXXX XXXX XXXX that the records in our system are factually correct based on the circumstances included in XXXX XXXX complaint. As part of the validation of the debt, XXXX XXXX XXXX provided Blackwell a copy of the warranty deed signed by XXXX and XXXX XXXX on XX/XX/XXXX. As part of their investigation, XXXX searched the XXXX county records in Tennessee and indicated the deed is still in the XXXX name. This verification is being provided to XXXX XXXX. The information Blackwell Recovery provided to the credit reporting agencies is based on the information in our system. This information has been validated by XXXX XXXX. While our agreements with the credit reporting agencies preclude us from removing factually correct information, we will notify the bureaus in our next file transmission that the information is disputed by XXXX XXXX. XXXX XXXX XXXX has no record of any opt out options offered by the Management company. Finally, Should the XXXX have documentation to the contrary, we respectfully request they forward this information to our attention and we will reopen our investigation. Sincerely, XXXX XXXX Compliance Manager XXXX XXXX Response XX/XX/XXXX This investigation is not closed. Blackwell Recovery Compliance Manager XXXX XXXX XXXX has completely avoided responding to the issues of my complaint. The only information XXXX XXXX has provided is the assertion that the deed to the timeshare interval previously owned by my husband and myself has not been transferred back to XXXX XXXX XXXX. XXXX XXXX information only confirms the allegations made during the XX/XX/XXXX to XX/XX/XXXX multitude of e-mails between the first management company and the second management company that was sent to timeshare interval owners, asserting that there was negligence, mishandling of information, fraud and improper licensing of the first management company. Now, 3 to 4 years later, XXXX XXXX asks for documentation of these events. Does XXXX XXXX keep e-mails for 3 to 4 years after an issue is assumed to be resolved? I think not. XXXX removed the negative report from my husbands credit report on XX/XX/XXXX. This is clear evidence that the issue occurred and was resolved. You can not remove negative information from my husbands credit file and then report the same negative information on my credit file years later. XXXX XXXX advises that XXXX XXXX XXXX is currently managed by XXXX XXXX XXXX. Apparently the management has changed for at least a third time since our experience. Obviously the first or second management companies did not complete our Opt Out request and XXXX XXXX has no information about an issue back from XX/XX/XXXX/XX/XX/XXXX. Please be advised that I will not be held XXXX between multiple hostile management companies and the negative information on my credit report is unacceptable. In addition to filing an additional complaint with the Consumer Protection Agency, I am contacting the Attornies General of South Carolina my home state, Tennessee the state XXXX XXXX XXXX is located and Arizona the state Blackwell Recovery is located. I am also filing a complaint with the Tennessee Real Estate Commission, asking them for a full investigation into this matter and the proper licensing allegations that were reported during XX/XX/XXXX/XX/XX/XXXX. I am also pursuing legal advice from my attorney, to discover all avenues of relief available to me in this matter. See XXXX XXXX Response At Bottom XX/XX/XXXX Dispute Concerning XXXX XXXX XXXX & Blackwell Recovery Reporting On My Credit Report There was a XXXX management take-over at XXXX XXXX XXXX timeshare location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. The prior management company later regained control of XXXX XXXX XXXX XXXX and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. This negative report needs to be removed from my credit report. I have filed a complaint through XXXX. Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report. Company 's Response XX/XX/XXXX Good afternoon : Thank you for bringing this matter to our attention. Please know that Blackwell Recovery is a completely independent, third-party collection agency providing services for XXXX XXXX XXXX. Blackwell Recovery provides these services to its clients within the guidelines of all state and federal laws and regulations. On receipt of XXXX XXXX complaint Blackwell requested verification from XXXX XXXX XXXX that the records in our system are factually correct based on the circumstances included in XXXX XXXX complaint. As part of the validation of the debt, XXXX XXXX XXXX provided Blackwell a copy of the warranty deed signed by XXXX and XXXX XXXX on XX/XX/XXXX. As part of their investigation, XXXX searched the XXXX county records in Tennessee and indicated the deed is still in the XXXX name. This verification is being provided to XXXX XXXX. The information Blackwell Recovery provided to the credit reporting agencies is based on the information in our system. This information has been validated by XXXX XXXX. While our agreements with the credit reporting agencies preclude us from removing factually correct information, we will notify the bureaus in our next file transmission that the information is disputed by XXXX XXXX. XXXX XXXX XXXX has no record of any opt out options offered by the Management company. Finally, Should the XXXX have documentation to the contrary, we respectfully request they forward this information to our attention and we will reopen our investigation. Sincerely, XXXX XXXX Compliance Manager XXXX XXXX Response XX/XX/XXXX This investigation is not closed. Blackwell Recovery Compliance Manager XXXX XXXX XXXX has completely avoided responding to the issues of my complaint. The only information XXXX XXXX has provided is the assertion that the deed to the timeshare interval previously owned by my husband and myself has not been transferred back to XXXX XXXX XXXX. XXXX XXXX information only confirms the allegations made during the XX/XX/XXXX to XX/XX/XXXX multitude of e-mails between the first management company and the second management company that was sent to timeshare interval owners, asserting that there was negligence, mishandling of information, fraud and improper licensing of the first management company. Now, 3 to 4 years later, XXXX XXXX asks for documentation of these events. Does XXXX XXXX keep e-mails for 3 to 4 years after an issue is assumed to be resolved? I think not. XXXX removed the negative report from my husbands credit report on XX/XX/XXXX. This is clear evidence that the issue occurred and was resolved. You can not remove negative information from my husbands credit file and then report the same negative information on my credit file years later. XXXX XXXX advises that XXXX XXXX XXXX is currently managed by XXXX XXXX XXXX. Apparently the management has changed for at least a third time since our experience. Obviously the first or second management companies did not complete our Opt Out request and XXXX XXXX has no information about an issue back from XX/XX/XXXX/XX/XX/XXXX. Please be advised that I will not be held XXXX between multiple hostile management companies and the negative information on my credit report is unacceptable. In addition to filing an additional complaint with the Consumer Protection Agency, I am contacting the Attornies General of South Carolina my home state, Tennessee the state XXXX XXXX XXXX is located and Arizona the state Blackwell Recovery is located. I am also filing a complaint with the Tennessee Real Estate Commission, asking them for a full investigation into this matter and the proper licensing allegations that were reported during XX/XX/XXXX/XX/XX/XXXX. I am also pursuing legal advice from my attorney, to discover all avenues of relief available to me in this matter. Company responded on XX/XX/XXXX Company 's Response As part of our renewed investigation, XXXX XXXX provided some additional details about XXXX XXXX concerns regarding the property management company responsible for her timeshare : XXXX XXXX, XXXX has been the Management Company for this owners timeshare property, hired by their Home Owners Association since XX/XX/XXXX. XXXX XXXX XXXX, XXXX is still the Management company for this owners timeshare property. XXXX XXXX is a DBA used by XXXX XXXX XXXX, XXXX. In XX/XX/XXXX, another Management Company, XXXX, illegally took over managing this owners timeshare property. There was a lawsuit by XXXX XXXX XXXX, XXXX to fight this issue. XXXX XXXX XXXX, XXXX won the lawsuit in XX/XX/XXXX and XXXX was forced to vacate. Any promises made by that Company were not valid. XXXX XXXX points out the many years that have transpired. We would like to agree that it has been several years and during that time, XXXX XXXX has diligently sent annual Statements, Reminders and made attempts to contact the XXXX regarding this debt. During that time, XXXX XXXX has no record of the XXXX contacting them to let XXXX XXXX know that they believed that they were no longer owners and provide any correspondence they may have had to substantiate that claim. The possible credit reporting removal in the past by XXXX regarding this debt is not an indication of the validity of the dispute but could easily have occurred because the dispute was not responded to in a timely manner by the data provider and it was automatically removed by XXXX. XXXX XXXX does not reflect that they received a credit reporting dispute from the 3rd Party Default Recovery Company hired at that time. In regards to XXXX XXXX complaint about the Blackwell Recovery tradeline appearing on her credit report, we believe that the information is correct and should remain unchanged. The debt was validated by XXXX XXXX and remains active in our system. XXXX XXXX has updated the settlement parameters regarding the XXXX account to include an option to release them from ownership. This option would release the XXXX from their past obligations owed and any future maintenance obligations for the property. We encourage the XXXX to contact us to review the parameters of the offer. XXXX XXXX XXXX XX/XX/XXXX The XX/XX/XXXX response from Blackwell Recovery is complete hogwash. Blackwell admits there was an illegal management company takeover which I have correctly maintained all along. Blackwell Recovery needs to review the legal aspects of a contract both verbal and written are enforceable by law. We had an agreement with the second management company this does not go away just because XXXX XXXX XXXX and Blackwell does not want to admit they are wrong or the second management company was forced out. As far as XXXX removing the negative information from my husbands credit report in XX/XX/XXXX, there was several communications and the negative information was removed because it was incorrect not because there was no response. Blackwells assertion that there was no response from XXXX is completely false. I have received no letters or communication from XXXX XXXX the assertion that annual billings were sent to me is completely false. I have lived at the same address for 28 years, and my address has not changed. If I had received communication from XXXX XXXX, I certainly would have contacted them immediately. I challenge Blackwell Recovery and XXXX XXXX to provide proof of any communications mailed to me. As far as receiving a settlement agreement from XXXX, that is also completely false. I have received no communication from XXXX XXXX XXXX. I challenge XXXX to prove any communications with me.
03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92128	Web	Servicemember
I and my husband are XXXX XXXX timeshare owners in XXXX since XXXX. Since the start of our timeshare ownership, we have been paying our maintenance dues on a quarterly basis thru XXXX 's automatic payment plan. Until this day, we have not missed a single payment nor ever late. The 1st quarter payment for XXXX was collected on XX/XX/XXXX. After over a month, on XX/XX/XXXX, I called XXXX XXXX services and had a female agent walk me through in switching the credit card on file for our maintenance dues payment. On XX/XX/XXXX, I was shocked to receive a collection letter from Blackwell Recovery dba Concord Servicing in Arizona. I immediately called XXXX XXXX XXXX to find out what was going on with our account. I was told the payment plan got cancelled in the system on XX/XX/XXXX and as a consequence, our account is thereby considered 80+ days past due with the full remaining balance of {$1900.00} for XXXX Maintenance Dues now due for payment. I shared with the agent that there could have been a system glitch on XX/XX/XXXX because what I did on that day was to switch the credit card on file and it should have not cancelled the payment plan. I also argued that we are technically paid for the 1st quarter which covers XX/XX/XXXX to XX/XX/XXXX so how can XXXX flag our account as past due and impose an interest fee of {$18.00} and miscellaneous fee of {$35.00}? Where did these fees come from? The agent told me it was stipulated in the payment plan agreement. I reviewed the literature on the payment plan agreement and there is nothing in it that would prove we are in violation. There was no reason for us to inform XXXX of anything concerning the payment plan because it was not the intention to cancel the payment plan nor were we aware of an existing issue. XXXX did not practice due diligence to reach out to inform or make us aware of it. Most businesses will make a call, send a notice letter or email about an issue but we didnt receive any of these from XXXX XXXX. Its obvious that XXXX does not review owners accounts to check of anything out of the ordinary before imposing fines or penalties. I asked the agent a few times if we could be extended a one-time courtesy because it was all a mistake and that we've been owners for 16 years with excellent payment history. The agent kept instructing me to deal with Blackwell Recovery directly so I decided to ask for a supervisor hoping to get someone who can exercise better discretion and with a higher level of authority. I had to repeat the circumstances again to XXXX XXXX XXXX of XXXX XXXX XXXX so she emailed me a form to fill out and send back to her immediately in order to reinstate our payment plan. When I asked XXXX XXXX on how the fees can be reversed, she had to transfer my call to Blackwell Recovery because Blackwell is the one to deal with that. I had to go through the same hoops with Blackwell Recovery until I had to ask for a supervisor again. XXXX XXXX XXXX handled my call but unfortunately, I heard the same script from him. He reiterated that we violated the payment plan agreement and that the remaining balance of {$1900.00} is due. XXXX XXXX also said that XXXX XXXX XXXX should have not sent me the form because we can not be put back in a payment plan for XXXX. I reasoned with XXXX XXXX in all possible ways. I mentioned that our excellent payment history for 16 years should at least mean something about our credit worthiness and that our situation is just an isolated case. I also mentioned how the full payment will be a financial burden to us considering the global economic crisis we are in not to mention how illogical it would be to put whatever reserved funds we have into something we can't even use or enjoy during the pandemic. I pleaded to have the fees reversed since these are not even legitimate charges and for our payment plan to be reinstated but to no avail. I decided to pay {$640.00} for the second quarter which is usually collected on XX/XX/XXXX. I wanted to show XXXX XXXX that we are not running away from our financial responsibilities. The next day, XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX again but only to hear from her that she made a mistake in sending me that form. Her excuse was that she just joined the company and didnt know well. I then told her how unfortunate of me to always end up with someone who causes me problems instead of getting help. Knowing now that she is not credible enough to handle the situation, I asked for a supervisor. She said she sent an email to XXXX, a supervisor, to give me a call but I have not received a call until this date. To impart better understanding of my complaint I have attached files to show that our account is in suspended mode ( Exhibit A ). It is flagged not authorized to make payments on the top left. Below the My Account Summary in green background, it also shows that our account is 85 days past due. When you click on Set up a payment plan, the page will then change to show Exhibit B which is the Payment Plan Agreement. There is nothing stipulated in this Agreement that would tell we violated the XXXX. There is nothing mentioned in the agreement that cancelling the payment plan will revert the account to Annual which would then require immediate payment of the remaining maintenance dues otherwise fees will be imposed. On the contrary, it actually allows termination or cancellation of the Card Authorization for electronic debits as long as another payment method, acceptable to XXXX, is used for the Periodic Payments. The {$35.00} fee is actually imposed only when a payment is denied at the time of charge and yet XXXX charged us this {$35.00} fee ( Exhibit C ) when payment for the 2nd quarter is not even due until XX/XX/XXXX. We dont have a loan or owe anything in default to be assessed {$18.00} in interest ( Exhibit C ). Also on Exhibit C, Blackwell Recovery entered my 2nd quarter payment of {$640.00} and also showed it waived the {$7.00} as late fee when this {$7.00} is actually the processing fee collected every Periodic Payment mentioned in the payment plan agreement. I dont want to think that XXXX XXXX of Blackwell Recovery did this to make it look like he extended me a favor because I know these tactics. XXXX did not even exert any effort to resolve this with us first. XXXX took the easy and most convenient route for them to get what they want with utmost disregard of their owners welfare and consumer rights. Our concern is far from complicated but XXXX turned it into a nightmare which brought us immense stress and inconveniences. We dont deserve to be treated this way! XXXX and Blackwell Recovery opted to be cold-hearted and greedy rather than be fair, compassionate and considerate. These two companies ' business ethics and practices must be scrutinized and penalized because they take advantage, deceive and violate consumer rights. The issue here is far more than the {$53.00} fees but this is a matter of respect, fairness and justice. We fervently hope for your intervention and to act as our advocate. We appreciate your assistance and will look forward to your reply.
06/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 81007	Web
SECOND REQUEST LETTER XX/XX/XXXX Concord XXXX XXXX XXXX XXXX, AZ XXXX Concord Servicing Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Dear Concord : This is the second request letter for an audit of the above account with XXXX XXXX XXXX XXXX, regarding late payments on the solar loan account. The information contained in this letter was sent to Concord AND XXXX back in XXXX. As of XX/XX/XXXX, none of the information contained in this letter has been investigated as requested in the first letter sent to Concord and XXXX XXXX years ago. In the first request we asked that your company supply all the information below within 30 days so that we would be fully informed of the late payments XXXX claims we have missed and/or they have not credited to our account properly. We have not received anything from Concord or XXXX regarding this request in two years. This is the second time we have asked for this information and we need to hear from you to make an informed decision about the collection claim of past due payments. This is the second time we are requesting that all question be answered in this audit complaint and that all communication be done in writing within the proper amount of time. It has been two years your collection company should have completed this request within 30 days and that is not the case. Your collection company has far exceeded the 30-day requirement by the Fair Credit Bureau. Please answer the following questions and forward the completed documentation and results to the name and address above as soon as possible. 1. Why you think WE owe the debt and to whom WE owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. NO RESPONSE to first request made two years ago If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. NO RESPONSE to first request made two years ago Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? NO RESPONSE to first request made two years ago If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. NO RESPONSE to first request made two years ago 2. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. NO RESPONSE to first request made two years ago State the amount of the debt when you obtained it, and when that was. NO RESPONSE to first request made two years ago If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. NO RESPONSE to first request made two years ago If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. NO RESPONSE to first request made two years ago If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. NO RESPONSE to first request made two years ago Tell me when the creditor claims this debt became due and when it became delinquent. NO RESPONSE to first request made two years ago Identify the date of the last payment made on this account. NO RESPONSE to first request made two years ago Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. NO RESPONSE to first request made two years ago 3. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. NO RESPONSE to first request made two years ago If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. NO RESPONSE to first request made two years ago In addition to providing the information requested above, please verify the amount that is past due, how/why this account was sent to collections in the first place and any/and all updated information you may have found in your two-year investigation. We have attached the letter from Concord d ated 12/10/2019 which is the only communication from Concord that we have received in two years. What happened and why did Concord not honor our first Letter of Request? Respectfully, See Attached Letter from Concord Dated XX/XX/XXXX. We have not heard back from Concord in two years regarding this matter. This is the only written notification we have received and Concord has far exceeded the 30-day time limit.
10/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29673	Web	Servicemember
See XXXX XXXX Response At Bottom - XX/XX/XXXX Dispute Concerning XXXX XXXX XXXX XXXX XXXX XXXX Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX timeshare location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. This negative report needs to be removed from my credit report. I have filed a complaint through XXXX. XXXX XXXX falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report. Company 's Response XX/XX/XXXX Good afternoon : Thank you for bringing this matter to our attention. Please know that XXXX XXXX is a completely independent, third-party collection agency providing services for XXXX XXXX XXXX. XXXX XXXX provides these services to its clients within the guidelines of all state and federal laws and regulations. On receipt of XXXX XXXX complaint XXXX requested verification from XXXX XXXX HOA that the records in our system are factually correct based on the circumstances included in XXXX XXXX complaint. As part of the validation of the debt, XXXX XXXX HOA provided XXXX a copy of the warranty deed signed by XXXX and XXXX XXXX on XX/XX/XXXX. As part of their investigation, XXXX searched the XXXX county records in Tennessee and indicated the deed is still in the XXXX name. This verification is being provided to XXXX XXXX. The information XXXX XXXX provided to the credit reporting agencies is based on the information in our system. This information has been validated by XXXX XXXX. While our agreements with the credit reporting agencies preclude us from removing factually correct information, we will notify the bureaus in our next file transmission that the information is disputed by XXXX XXXX. XXXX XXXX HOA has no record of any opt out options offered by the Management company. Finally, Should the XXXX have documentation to the contrary, we respectfully request they forward this information to our attention and we will reopen our investigation. Sincerely, XXXX XXXX Compliance Manager XXXX XXXX Response XX/XX/XXXX This investigation is not closed. XXXX XXXX Compliance Manager XXXX XXXX XXXX has completely avoided responding to the issues of my complaint. The only information XXXX XXXX has provided is the assertion that the deed to the timeshare interval previously owned by my husband and myself has not been transferred back to XXXX XXXX XXXX. XXXX XXXX information only confirms the allegations made during the XXXX to XXXX multitude of e-mails between the first management company and the second management company that was sent to timeshare interval owners, asserting that there was negligence, mishandling of information, fraud and improper licensing of the first management company. Now, 3 to 4 years later, XXXX XXXX asks for documentation of these events. Does XXXX XXXX keep e-mails for 3 to 4 years after an issue is assumed to be resolved? I think not. XXXX removed the negative report from my husbands credit report on XX/XX/XXXX. This is clear evidence that the issue occurred and was resolved. You can not remove negative information from my husbands credit file and then report the same negative information on my credit file years later. XXXX XXXX advises that XXXX XXXX XXXX is currently managed by XXXX XXXX HOA. Apparently the management has changed for at least a third time since our experience. Obviously the first or second management companies did not complete our Opt Out request and XXXX XXXX has no information about an issue back from XXXX. Please be advised that I will not be held hostage between multiple hostile management companies and the negative information on my credit report is unacceptable. In addition to filing an additional complaint with the Consumer Protection Agency, I am contacting the Attornies General of South Carolina my home state, Tennessee the state XXXX XXXX XXXX is located and Arizona the state XXXX XXXX is located. I am also filing a complaint with the Tennessee Real Estate Commission, asking them for a full investigation into this matter and the proper licensing allegations that were reported during XX/XX/XXXX. I am also pursuing legal advice from my attorney, to discover all avenues of relief available to me in this matter.
05/11/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 94605	Web
On XX/XX/XXXX, I purchased a time share contract from XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX. The contract was handled by Concord Servicing Corporation, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The contract provided two options for payment. Option A : Cash Purchase allowed me to make a single {$44000.00} payment to pay the contract in full if paid prior to XX/XX/XXXX. Option B : Financed Option required payment of {$49000.00} plus fees in twelve monthly payments of {$4000.00} beginning on XX/XX/XXXX for a total cost of {$49000.00} ( an increase of {$4800.00} ). I received a notification dated XX/XX/XXXX notifying me that a loan serviced by Concord was set up and I would receive a statement prior to my XX/XX/XXXX payment due date, indicating that Concord was proceeding with Option B prior to the XX/XX/XXXX option date. On XX/XX/XXXX, I phoned Concord at the XXXX ( XXXX ) XXXX number and provided my bank routing number and checking account number and authorized Concord, in a recorded message, to withdraw {$44000.00} from my account. The representative gave me a transaction number indicating the transaction was complete. I received a letter dated XX/XX/XXXX, congratulating me on payment of my contract stating " Your loan is now paid in full as of XX/XX/XXXX. '' I later received a Reminder Notice dated XX/XX/XXXX, stating " This communication is from a debt collector '' indicating that a payment of {$4000.00} was due as of XX/XX/XXXX. The letter indicated that unless the amount was paid a negative credit report could result. On XX/XX/XXXX, I phoned Concord at the XXXX ( XXXX ) XXXX number and received confirmation that my contract had been paid and that a correction would be issued. Later I received a Loan Statement indicating that a payment of {$8100.00} was due on XX/XX/XXXX. The statement indicated that it was printed on XX/XX/XXXX and it showed the Last Payment Amount of {$44000.00} was received on XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Concord explaining what had occurred regarding my payment. Having received no response, I called Concord on XX/XX/XXXX and inquired whether corrections were made to my account. When I told the representative that my contract had been paid he said that the funds had not been received. He then told me that the funds were still in my account. I asked why the transaction was not completed. He said that my credit union had denied the transaction on XX/XX/XXXX. I asked why I was not informed. He said I was called but no message was left. I went to my credit union and the account manager indicated that there was no evidence of an attempt by Concord or any other entity to withdraw funds from my account. The funds remained in my account. Later on XX/XX/XXXX, I called Concord and provided the same routing and account numbers and authorized withdrawal of {$8300.00} to make loan payments due for XX/XX/XXXXand XX/XX/XXXX including a {$200.00} late fee. This transaction was completed without incident on XX/XX/XXXX. This action was necessary to prevent Concord from declaring this unauthorized loan to be in default. It is my contention that Concord made no attempt to obtain the funds from my account since the loan had already been put in place. At a minimum, if there had been an attempt that was denied, Concord failed to notify me as would normally be the case for a denial of a transaction. Since I have received no information regarding the status of my original authorization for the withdrawal of {$44000.00} from my checking account, I placed a stop payment for any ACH transfer in that amount at a cost of {$15.00}.
03/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21117	Web
On XX/XX/XXXX I called Concord and I spoke with XXXX who took a payment because I was trying to access the website from XXXX to make payment and the page to make a payment would not load. He told me he was aware of that the website was having issues and he took the payment and waived the late fee. I asked him if this payment would cause a 30 day delinquency and he said it would NOT, and not to worry because they only report 60 day and higher delinquencies. On XX/XX/XXXX I called and spoke with XXXX and XXXX after seeing that I did indeed get a 30 day credit marker. He told me he would speak with his supervisor and have the call reviewed to confirm if XXXX DID indeed tell me that I would NOT get the marker and that someone would call me back, to date I have not gotten a call back or a reply to 2 email communications that I am attaching and the credit marker has not been removed. I have since gotten another marker and they told me on at least 2 phone calls that they only report 60 day and higher delinquencies I have all communications documented. On XX/XX/XXXX I spoke a young lady who told me a XXXX XXXX would review the calls and get back with me, which has never happened. This matter has affected my credit score and I missed a home purchase offer because of this. This has been mentally and emotionally draining. I have requesting a copy of all communications I have had with this company since XX/XX/XXXX. I have asked them for an address or contact person to have the call recording subpoenaed. The reporting on my credit report is not complete. The time share loan was opened in XXXX of XXXX but Concord did not start reporting payments until XXXX of XXXX when I went past due, due to me being set up on auto pay and my bank went through a merger and our debit card number changed and I didn't remember to update the card which was indeed my fault but as I explained to them I was paying every month on time and then they only start reporting me once I was behind, I do not believe that that is right. They are not giving me credit for my on time payments prior to the delinquency. I am desperately in need of help because I am not able to purchase a home because of this. I have 9 other open lines with no delinquencies. I again got another marker in XXXX because I called on the XXXX which is the payment due day and they said because it was 31 days past due. I didn't understand that if my payments are due on the XXXX of each month. Because I had been told anything under 60 days is not reported I thought I was ok. No, another 30 days delinquency. I need these calls reviewed because if I was given correct information these credit markers would never have happened. I feel I am being taken advantage of and being that they have not responded to my emails or returned my phone calls they are very much aware they are wrong. They are currently only showing me with 7 payments made when 17 payments have been made which is causing my payment percentage on this loan to be 70 % due to the delinquencies which is damaging my score tremendously. Please help!!!!
05/13/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92688	Web
We attended a timeshare presentation with XXXX. We were picked up from our hotel, driven to XXXX, and in the midst of everything, we were being promised vouchers for food, massages, etc. This was all to entice us. They forced us to stay at the presentation due to them providing us our ride back to our hotel. We were given mimosas before and during the breakfast, margaritas during the presentation and viewing the property, and then more alcohol while the salesperson was discussing the timeshare. It seems to us that they were doing so on purpose to make a sale. Our sales representative told us that he even had purchased a timeshare. He used stories of how him and his family would fly all over the world for very minimal costs, if any. He said that he was able to reserve at anytime, anywhere and it would be available. He even went as far as saying that he could keep in touch with us and assist us in any way possible. This was his tactic to get us to feel comfortable with him, because he never once contacted us nor could we ever reach him. He truly made us feel as though this was an investment for our families, however, its been far from that. Ultimately, he continued pushing us to purchase. We felt as though we would not be able to leave without signing. They continued bringing us cocktails, feeding us promises, and made us restless until the breaking point of signing just so we could leave. After signing, we have found out that we are not able to rent it or sell it, especially not for profit as he told us. They never told us what the interest rate was, even after the multiple times of me asking. The maintenance fees have since gone up and continue to do so each year. Again, something not explained to us. There are so many more fees that are involved with this that was never expressed. For months now we have been reaching out to XXXX regarding our complaints, our concerns, our hardships that we have endured since purchasing this. They have blatantly ignored our correspondences and our communications, solely contacting us for payment. Unfortunately, as expressed, the only solution there is at this point is complete cancellation of this account in its entirety. We look forward to hearing back from XXXX with an amicable resolution of We have explained our situation directly to the resort and instead of assisting us they have decided to use Concord to berate us. It is ruining our credit at a time we can not afford for that to occur. We never agreed to work with Concord and demand they return any debt to the resort so we can finally resolve this matter with XXXX directly. We have sent cease and desist letters to Concord as well and they have blatantly ignored our requests to return the debt to XXXX and to stop contacting us, which is a violation of our rights. We dont even consider this debt to be legitimate due to the false pretenses XXXX was sold to us under and Concord pursuing this balance confirms they believe in deceiving and mistreating people.
10/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85747	Web	Servicemember
Our family went on a one week vacation to an XXXX XXXX at the end of XX/XX/2018. We were offered a presentation to join the XXXX XXXX and given a list of many benefits and ultimately joined the membership on XX/XX/2018, paying a deposit of {$2700.00} with expected monthly payments of about {$200.00} for 24 months. Upon our return home we reviewed the documents regarding the membership and realized the language in the contract was vague and not consistent with the information provided to us during the presentation nor with the initial documents we reviewed. I also attempted to log into their website and was unable to. In the process I discovered a consumer website with disgruntled customers stating the benefits of the club are a scam. I reviewed the XXXX and realized their rating is an XXXX I immediately contacted the XXXX XXXX XXXX XXXX on XXXX XXXX and requested cancellation. I was told the benefits were accurate but the contract merely doesn't read that way and to rest assured it was a good program. I insisted to cancel and was asked to write an official request and email it to their member services department. I did this on XX/XX/XXXX. I also contacted my bank on XX/XX/XXXX and filed a claim. In the interim I was contacted by a person from the XXXX, XXXX XXXX, and he continued to ask me to remain a member, stated I was unable to cancel past five days of signing the contract, and no new contract was offered. I continued to express my concerns though several emails and he continued to state I was unable to cancel. My bank has now informed me that my claim is valid and my deposit monies were returned to my credit card. I emailed XXXX XXXX again and again requested cancellation based on my banks determination of my claim and no use of services. He has not responded but I am now getting letters from XXXX, a debt collector. I attempted to call XXXX on XX/XX/XXXX but they stated they needed to verify multiple pieces of personal information before they could discuss the issue at any level. I was not comfortable disclosing the information requested as I don't know this company and I have not dealt with debt collectors before. I gave them my name, address and account number listed on their letter to me and they said they still could not use that information to verify me. The call was ended as they insisted on getting additional information prior to discussing the matter. The letter from XXXX states non-payment may result in garnishment of social security, veterans pay, wages/salary, and credit bureau reporting as they are a collections company. I would like to clarify how this company is sending me to collections for an account I repeatedly have requested closed and my bank has agreed is not a valid charge.
03/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 27405	Web
I made a payment of XXXX for my XXXX XXXX bill, I purchased a XXXX XXXX money order on XX/XX/XXXX and mailed it off that same day and in XXXX of XXXX I received a statement that my payment was never received, they never once called me but the statement says I now owe for 2 months, I called them, they were rude I tried to talk calm and reasonably with them but they always talked over me, I heard that postal services are behind and its my fault I could not find my money order stub with the number on it, so I called them again on XX/XX/XXXX about that payment with was still showing never received, I spoke to a representative named XXXX, I ask if they could let me talk to a supervisor and he says that they are going to tell me the same thing he told me and that was that I still owe the XXXX payment and I insisted that I speak to a supervisor because I said they have more authority than you to help me, he placed me on hold for over 5 minutes and came back and said they are all in meetings, I asked for the supervisor name and I get the run around, he says they will have someone to call me, they are always verifying your number and email, but they never call me or reach out to me by email, I was given an email address for them if I have a complaint, I did email and still no response. I called back on XX/XX/XXXX to talk to them, I again spoke to a representative and says that I have called several time to get someone to help me and to talk to a supervisor because all I wanted to know is if they can take that XXXX payment and put it at the end of my loan and I continue to make my original payments of {$120.00}, and I let them know that I was not happy about when you make a payment they are charging extra {$5.00} to do it over the phone with them or when you make it online and that was never told to me nor did I receive a letter from them that my loan was sold to them from XXXX XXXX, and Concord Services never provided me with there loan number and that my old loan number was still attached from XXXX. XXXX the supervisor I spoke to about putting that XXXX payment at the send says it should be no problem but he would have to send it to his Account specialist for a payment deferral request and it may take up to 3-4 business days for a response and he verified my phone number and email, I let everyone that I spoke to that I was very unhappy with the service that I have been receiving from Concord and this was on XX/XX/XXXX and here it is XXXX XXXX and no one has attempted to reach out to me about anything.
05/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 955XX	Web
STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 8. Debt Collector has defaulted. 9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond
12/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 507XX	Web	Servicemember
Concord Servicing is the BIGGEST, RIPOFF Company that EVER EXISTS!!! I wish there was a MINUS RATING that I could give them they REALLY DO DESERVE IT!!! DO NOT EVER DO BUSINESS WITH THEM IF YOU HAVE A CHOICE!!!! I had an account through XXXX XXXX and and never missed a payment or never late on a payment. After a few months XXXX transferred my account along with thousands of others to CONCORD SERVICING. WHY my account got transferred is a mystery to me. My payment was due on XX/XX/2020. I called Concord to make the payment and was told that they could not take my payment ( so they REFUSED my payment ), I was told to call back on XXXX XXXX, I called them then and was told the same thing that they could not take my payment and to call back the next day. I called again on XXXX XXXX and was again told they same thing that they could not take my payment and to call back the next day. So I called again on XX/XX/XXXX and was finally told that they had my account transferred over in their system and that because of the delay and the fact that it was their fault they were waiving my XXXX payment and that my next payment would be due on XX/XX/XXXX. I logged onto the website today ( XXXX XXXX ) to make my payment and it shows that I am 30 days behind in payments and there is 2 months payment due. My XXXX payment was NOT WAIVED as promised. I called in to complain about it and was told that yes they did make a mistake in their computers and that the people I spoke with in XXXX LIED to me ( and MANY others ) and gave me incorrect information and that XXXX payment is still due along with XXXX ... I am XXXX and live on a tight budget so with that and all of this XXXX issues it really helped to not have to make a payment for XXXX. BUT now I find out that XXXX is screwing me over and messing up my credit rating and causing MAJOR problems and inconveniences this month. WHAT A HAPPY HOLIDAYS this is going to be!!! And DO NOT expect any compassion from ANY of the people that you will talk to on the phone. I have called many times and have NEVER spoke to ANYONE who can speak more that 2 words of English in a row, it is almost impossible to understand them without asking them to repeat themselves over and over again. These people DO NOT CARE that they are hurting their customers!!! So like I said at the beginning - DO NOT DO BUSINESS WITH THESE CROOKS!!!!
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30253	Web
XXXX I was notified creditor-Concord Servicing report 30 day late in XX/XX/XXXX to credit bureaus. I contacted Concord to get this resolved for several days from XXXXtoday XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to XXXX on XX/XX/XXXX. It is very difficult to speak with someone at Concord on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. My acct was paid several months ahead periodically, the account has never been late. I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. XXXX I emailed Concord Resolutions Dept to get a status on the correction. I then contacted XXXX and was advised a Concord Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXX XXXX XXXX XXXX and Concord Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. XXXX never showed the Concord account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from Concord XXXX Concord Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and Concord Customer Service Rep and that I need to speak with a supervisor. I called Concord and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
07/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
I am XXXX XXXX, a consumer, and I am the executor of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, you have violated the consumer rights of XXXX XXXX XXXX XXXX XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. You also violated 15 U.S.C. 1692f - Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Also taking or threatening to repossess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property can not be taken, repossessed or disabled. XXXX XXXX, the co-applicant on this file with the original creditor, XXXX XXXX XXXX, passed away in 2021. I need a copy of a definite statement and an audit trail on this file and the forward flow agreement immediately. My aunt XXXX XXXX has been paying on the debt which XXXX XXXX XXXX sold the debt and another company sold it to you and the debt has been paid in full. You, Concord, purchased the debt which is a breach of the Gramm-Leach-Bliley Act since private information has been compromised and was given without our consent. XXXX XXXX did not sign any contract with Concord. There is a lien on the property of XXXX XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXX, the original creditors, and they can not find records of this account. I sent your information to our closing attorney and they rejected your pay off. There was some confusion on the invoice at the bottom stating $ XXXX ; there is no mention of our UCC financing statement and there is also no reference of the property address in question. If proper validation of this alleged debt is not provided immediately upon receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. I have attached the following files for your review that states me, XXXX XXXX, being the executor of XXXX XXXX Estate. As a consumer we have a right to ask for an audit trail on this file.
01/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 801XX	Web	Older American
Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.
11/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94014	Web
I was on a vacation in XXXX on XX/XX/2018. When i checked in to the hotel they offered me free upgrade if i attend a Timeshare presentation for 90minutes. I attended the presentation and they were selling vacation packages. From the different packages i chose the cheapest one that best fits my budget. the packages was about {$6000.00} i was told to make monthly payments of {$160.00} for 36 months. I get 2 weeks free Presidential Suite every year for the next 25years at a resort of my choice anywhere around the world they gave me a booklet and a website where i can choose the hotels from. In addition i will get {$3000.00} virtual credit that i can use for massages and free breakfast at hotels that i stay at plus 20 % or more discounts on other days througout the year if i choose to travel. I asked them whats the catch? They said none. By signing up for Timeshare you get all this. I asked when can i cancel? They said within 90days before the contract takes affect. With a {$760.00} penalty which is their application fee. Paid upfront upon sign up. I went ahead and signed up. Provided my SS # address etc. i come back home to the united States and read online about XXXX XXXX XXXX XXXX XXXX. And many people said its a fraud or scam. Some said its true and it works if you travel more frequently. So 2 weeks later i called them to cancel it in XX/XX/2018. becacuse i am from a poor class family and i dont make that much money to travel every year. After numerous emails and phone calls they finally cancelled it. However now i keep getting phone calls to pay the monthly payment of {$160.00}. I keep telling them i cancelled it. I even have emails from the manager of the Timeshare. And yet they are saying the account will stay actice. And if i dont make monthly payments my loan will default and will be reported on my credit as Deliquent payments. I have proof of cancellation and over 50 emails i Exchanged about the cancellation. I do not want this charges to reflect on my credit. Please assist and if you see any charges from XXXX XXXX or Concord services should not be counted against me.
08/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28115	Web
My HVAC loan was transferred to Concord Servicing Corporation. I paid off the loan with XXXX electronic bank transfer checks on the same day with the same account # 's and same address. I was only credited with the first check. Subsequently, I started receiving calls and bills demanding immediate payment ( I never received any statements because they had an incorrect address listed ). I told them over and over again that this debt had been paid off. They demanded proof. I sent them my credit card statements. They said that was not sufficient ; they demanded a cancelled check which there wasn't one since it was an electronic check. The original checks were sent in XXXX and cashed XX/XX/XXXX. My credit score dropped XXXX points. They refused to talk to my bank XXXX XXXX XXXXXXXX XXXX XXXX so I finally got a copy of the cancelled electronic transfer check which I sent to them. Still they did not clear my account nor did they contact the credit bureaus to clear off my record. My business was denied a credit card because of this ; it has been an embarrassment to me because I pay my bills early and this has damaged my reputation. I contacted the XXXX XXXX XXXX and filed a complaint with them ; the company replied saying they finally " found '' my payment, were re-amortizing my loan and would take off any late payment fees. They would then figure out what the accrued interest that I still owed was and then send me a letter stating what that was. All I got was 2 more letters demanding payment. No apology has been offered. They also said they will notify the credit bureau the next time they run their files which won't be until XX/XX/XXXX but they certainly were quick to notify the credit bureaus that I was " seriously delinquent '' back in XXXX. I demand that this be fixed immediately, that I get an apology and that they close my account. No further payment will be forthcoming from me. They need to be fined for gross negligence.
02/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXX XXXX stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. I have not received any written communication from XXXX XXXX XXXX to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX XXXX account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXX about the account. Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact XXXX XXXX. The phone number at the XXXX XXXX office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, Concord. I have also attempted to contact XXXX XXXX via email and through the form on the XXXX XXXX website but have not received a reply. I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against me.
04/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 380XX	Web
On Wednesday XX/XX/2023, I called Concord and asked for payoff information and where to wire funds. I received an email with instructions on how to wire the payoff on the same day. at XXXX. On XXXX XXXX the amount of XXXX was wired to Concord. On XX/XX/2023 XXXX was wired to Concord to complete the payoff of my loan. The wired funds have been confirmed that Concord has received these funds. I called every day thereafter the see if they have received funds. They kept telling me they have not received funds. I called one time and ask could i talk to someone about wire transfer. I was told that department does not have a phone and the only way i could communicate was with an email. I sent an email on XX/XX/XXXX with the information of wire tranfer. They responded they need more information. I sent the copy with all routing and account numbers of where it came from and where it went to. XX/XX/2023 I received an email from concord ee resolutions Team stating they have not found two payments. they are still working to locate the wires and as soon as they know more they will let me know. I am very frustrated. It does not take almost 3 weeks to confirm a payment. That is a large amount of money that has been missing for 3 weeks. I just want my loan paid off and do not have anymore daily interest. It should be paid off the date it was sent. I do not want to continue paying monthly payments so my credit will not be affected. Please help me. All numbers matched from the email that was sent to me. I can not figure out to send you the email sent to me but if necessary i can send to you with direct wire instructions from them
02/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07083	Web
On XX/XX/XXXX I checked my credit report because and I saw that my score had dropped and noticed that I had a collection debt added to my report for an unpaid account form XXXX XXXX, XXXX. XXXX XXXX, XXXX, AZ in the amount of {$3200.00}. On XX/XX/XXXX, I received a letter from XXXX XXXX, see the original amount on letter {$2000.00}, at which time I informed them that I do not owe this debt and that this is the first time I that I learned of this debt from the XXXX XXXX XXXX XXXX! I learned that they have purchased the unpaid maintenance fees from the Timeshare - The XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX and placed me in collections on the same date. The original contract with the XXXX XXXX XXXX XXXX was paid in full on XX/XX/XXXX. I started the proceedings to file chapter XXXX on XX/XX/XXXX and was discharged in XX/XX/XXXX at which time I did not reaffirm the XXXX XXXX XXXX Timeshare which would have discharged me from all obligations to the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. I obtained the phone number and tried contacting XXXX XXXX again, and left messages and no one has called or contacted me. I contacted XXXX and XXXX to report this and filled a dispute against this creditor on XX/XX/XXXX. On XX/XX/XXXX, I received an answer from XXXX stating that they contacted the creditor and the collection will stay on my report, they will not remove it. I would like some help removing me from collections and have this creditor not do this to me again and also, removing this negative account reported on my credit report.
10/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 95118	Web	Older American
This complaint concerns Concord loan # XXXX. At time of loan approval ( XX/XX/XXXX ), I was informed Concord would be contacting me with further information about loan financing and when payments would be due. I did not receive any loan information, billing statements, or other form of written communication from Concord over the following year. Not having information on when the loan needed to be paid to avoid interest charges, I made contact with a Concord representative via phone on XX/XX/XXXX. I requested information on my account, inclusive of when payments were due and whether there was any on-line system where additional information might be available. Once this was provided, I was able to establish an account and access my loan information. I then paid the original loan amount of {$29000.00} in full on XX/XX/XXXX payment confirmation # XXXX. On XX/XX/XXXX I received the first written correspondence concerning this loan from a Concord-related company, Concord Servicing LLC , a debt collector. That correspondence was postmarked XX/XX/XXXX in XXXX XXXX, FL and indicated an amount due of {$29000.00}. Please reference the attached file XXXX. On XX/XX/XXXX I received the first written correspondence from Concord concerning this loan. That correspondence was titled Billing Statement for account # XXXX and was postmarked XX/XX/XXXX in XXXX XXXX, FL. It indicated a Principal Balance of {$29000.00} and a Deferred Interest Balance of {$5200.00}. Please reference the attached file XXXX.
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NJ 08873	Web
Previously I owed XXXX timeshares with my ex-husband. Both are paid except the annual maintenance fees. In the divorce decree, I was awarded XXXX and my ex-husband the other. My ex-husband has not paid the fees on his timeshare and now the company calls me and says I am legal responsible for the past due fees because they ca n't contact him. When I told them I was no longer responsible and it was spelled out in the divorce decree, the company apologized and asked me to send a copy of the decree. I sent it and provided the husband 's phone number. A few days past and the company called again stating they could not contact my husband so I am still liable because the divorce decree does not supersede their contact. I again advised I am not legally responsible and they should call my ex-husband. I have asked them repeatedly not to call me and they continue to do so on my home and cell phone. I believe they have also reported this debt on my credit report ( I am obtaining a copy to verify ). My credit score has dropped and all my bills are paid on time. I am feel harassed since they continue to call and are not honoring the divorce decree which is a legal document. I have paid all fees associated with the timeshare I was awarded. I want this company to stop harassing me, remove this debt from my report and contact my ex-husband to obtain payment. I believe the tactics of this company are horrible. Please advise how I can stop the harassment from this company.
08/21/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91387	Web
I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play. I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights. They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference. This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind. I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence. I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity. Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights.
03/29/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33172	Web
In XX/XX/XXXX we consented to the XXXX XXXX XXXX XXXX XXXX Direct Install program. A letter was finally emailed to us on XX/XX/XXXX notifying us that the first payment was due back on XX/XX/XXXX and to a company by the name of Concord Servicing Corporation. The letter did not have our correct mailing address. We mailed the XXXX letter with corrections and included a check for {$1100.00} ( six months of payment ) to Concord Servicing Corporation. We received a letter from Concord Servicing Corporation in XX/XX/XXXX for a second loan ( Smart Start Program ). We called the company and asked them what is the status of the first loan ( Direct Install ). Come to find out, XXXX still had not updated their records to the correct mailing address. To date, we called them several times, emailed them, and sent them a certified return letter. They have credited us back {$35.00} in late fees ; however, we found out today that when the first check was received, they applied the payment towards the late fee leaving a balance of {$170.00} ( {$20.00} in late fees ) They should had back dated the credit for the late fees ( {$35.00} ). To this date, Concord Servicing Corporation has never applied the {$170.00} and the Customer Service Representative does not know what happen to the {$170.00} and the company continues to charge us a late fee every month. We have made every monthly payment due by the required due date.
07/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85254	Web
In XX/XX/XXXX, I hired an HVAC company called XXXX XXXX to replace our AC/furnace. They offered financing through a company called XXXX XXXX XXXX ( XXXX XXXX, IA ). The interest rate I agreed to and that is clearly indicated in the handwritten proposal/contract I signed on XX/XX/XXXX was 9.9 % fixed after 12 months with no interest. On XX/XX/XXXX I received notice that XXXX XXXX had sold/transferred the servicing of my account to Concord. In XXXX of this year I finally went online to check the account and saw that Concord has been charging me 11.95 % interest. I emailed to request a correction and was sent a typed contract ( a " Copy of Original '' ) that I had never seen before and did not sign, although there is a XXXX XXXX XXXX Facts '' / '' Disclosures '' page with my signature on it. ( This page includes my name printed by some other than me. ) Key to the issue is that this contract indicates 11.95 % interest rate on the terms page ; however, the original handwritten contract is included as the last page, and it clearly shows the 9.9 % rate. Again, I did not sign an agreement for anything but 9.9 % interest. This company is engaged in fraudulent activity, specifically apparently electronically forging my signature after creating a sham contract that does not reflect the handwritten agreement I signed with the XXXX XXXX sales agent present in my house.
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29673	Web	Servicemember
Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
08/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92025	Web
I was notified in XX/XX/XXXX via phone by Blackwell that I was in collections with XXXX for my quarterly dues, which in fact I was and did not dispute, due to incorrect ownership information. They had my ex husband 's contact information, and I am the owner by court order of the XXXX XXXX. I paid those dues once notified on XX/XX/2019 directly to XXXX, as that is who my account is with and whom I should have been paying. I was notified mid XX/XX/XXXX that I owed an addition {$75.00} for late fees, by my EX HUSBAND, who received a call, I went the same exact day and paid the {$75.00} on XX/XX/2019 to XXXX for a late fee. I received a call on XX/XX/2019 from Blackwell stating I now owe over {$200.00}. I have tried getting information from XXXX and Blackwell. I have sent a request in writing requesting a detailed statement of everything I have been charged, and why, when the payments were received and posted. I also have asked that all fees be in line with my original contract with XXXX. They are not responding to my request. They are only leaving voicemails. Please advise on how I can get help. I believe that XXXXof the $ XXXXis my quarterly fees due XX/XX/XXXX I am willing to pay, however, I should have been told that previously. I am not being notified until it convenient for them to 'collect '
01/11/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95209	Web
I traveled to XXXX XXXX XXXX and was persuaded into attending a timeshare presentation for XXXX XXXX. Unfortunately, I made the mistake of signing up for the membership. After a day or 2 I realized the company was scamming tourists out of their money and not providing the type of service advertised during the presentation. I notified them verbally and in writing on multiple occasions ( within the 5 days legally given to cancel ) that I wanted to cancel the membership. Despite confirming the account was closed because our credit card transactions were reversed/disputed, I still received notification that the account had been sent to Concord Servicing Corporation in XXXX Arizona for servicing. I verbally confirmed with XXXX XXXX that the account was closed but Concord continues to say the account shows it is active and suggests that I call XXXX XXXX for this issue. When calling XXXX XXXX you end up in a Rabbit hole trying to speak to anyone which I believe is all part of the scam. People answer the phone and immediately hang up, phone calls go unanswered, voicemails go unreturned, etc. I continue to receive debt collection mail from Concord threatening to damage my credit if I do not pay them.
03/01/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08902	Web
We have bought a timeshare with XXXX since 2019 and it has not benefited us. Instead, we have been throwing our money to the wind. The sales representatives did not go into further detail and were manipulative. They made it seem as if this was a great deal and available only for that day to get me to feel like I had to sign right then and there. They had me feel as though I could not walk away, no matter how many times I said no to this contract. I was misled and pressured into signing this contract. The increasing fees for this membership have placed a strain on our finances. This has become an extremely stressful situation for our family and continues to be a burden in our lives. We have made countless requests to be released and the only solution is for XXXX to move forward with the cancellation of this account entirely. We do not want to be partnered with a company that has such disregard for its owners and is purposefully manipulative. They have enlisted Blackwell Recovery to damage our credit even more and keep us in an unfair contract. We never agreed to work with Blackwell and are resolving this matter with XXXX directly. Blackwell needs to cease all collection efforts.
06/01/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	CA 92234	Web
Reference : Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX My loan for my windows ( for my home ) started with XXXX and now its with Concord. I am very unhappy that when I make a payment online that there is now a {$5.00} processing fee to make that payment. Same thing when you make the payment on the phone. When the service provider was XXXX there was no processing fee ( made 2 payments before Concord took over and no processing fee. ) The original loan should be honored that did not include a processing fee for this service. Also I will be reporting and filing a complaint with Consumer Financial Protection Bureau. I await your response. Best Regards, XXXX XXXX Sent XXXX reply from Concard on XX/XX/2022. they would waive one fee if I signed up autopay I replied back and advised that there was no fee to payment with previous loan provider and asked them to honor my agreement with the original loan provider. No fee for making a payment using checking account. The new loan provider needs to honor all agreements made when I took loan out with XXXX.
07/17/2023	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 78230	Web
A financing Agreement was signed and dated XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX which is named XXXX XXXX with XXXX XXXX ID XXXX with a corporate address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX, XXXX as financier. In Exhibit A under the Authorizations section of the Financing Agreement ; NO is checked stating that XXXX XXXX XXXX XXXX XXXX XXXX is authorized to investigate the members credit history. We never provided them with a social security number either. We were contacted by Blackwell Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, AZ XXXX communicating as a debt collector for XXXX BY XXXX XXXX XXXX They state in their letter that " your credit report will also be updated to reflect a paid account. '' I am at a loss as I was unaware that the US allowed foreign entities to report negative items on US based credit reporting agencies especially since my credit was never authorized to be investigated our social security number be utilized for this transaction on XXXX XXXX XXXX as per the agreement signed in XXXX with jurisdiction in that Country.
04/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA XXXXX	Web	Older American
First I DID NOT RECEIVE A WELCOMING LETTER FROM CONCORD! Inform delivery shows that the Concord letter was on Saturday, XX/XX/XXXX, was NEVER DELIVERED TO ME!! I barely receive mail through the USPS ; my neighborhood DOES NOT HAVE a regular postal person so I signed up for USPS INFORMED DELIVERY so I could see when any mail was coming. This is why I pay EVERYTHING ONLINE, because I do not get my mail timely. Mailing my payments could get lost, misplaced be considered late and ruin my credit which is excellent. I haven't mail a letter in almost a year and a 1/2 ; because of the poor service from USPS. I'm a senior on a fixed income and emergencies do happen such as the sewer backup then 3 days later the waterheater went out. I DO NOT WANT AUTOMATIC PAYMENTS WITHDRAWN FROM MY ACCOUNT BECAUSE XXXX HAPPENS THEN I HAVE CHECKS BOUNCING. I have applied for a loan so I may pay off Concord in full, because your company has caused me XXXX already. Also I mailed my payment on XX/XX/XXXX let 's see how timely it gets there! I had to wait in line at the post office with the Covid virus!!
07/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33414	Web
I did sign a contract with XXXX XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. I did stop with my bank the automatic payment that was provide when I was signing the contract. Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation
07/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28031	Web
I made an over payment of {$100.00} to Concord Servicing. They have acknowledged the over-payment but refuse to make the refund. -Account paid in full XX/XX/XXXX XXXX received dated XX/XX/XXXX confirming paid in full -Letter received dated XX/XX/XXXX initiating refund of over-payment -Spoke to customer Service " XXXX '' XX/XX/XXXX advising XXXX I will require a physical check, not an ACH, mailed as the bank account associated with auto drafts is now closed. He confirmed a physical check would be mailed to my home address. -Spoke with customer service, " XXXX '', XX/XX/XXXX, confirmed check issued and in the mail -Spoke with customer service. " XXXX '', XX/XX/XXXX. Was told ACH was sent. No physical check was ever mailed -Confirmed with XXXX XX/XX/XXXX ( the facilitating bank ) that no pending transactions and no transaction ID of ACH being ever being received or returned to my closed account. XXXXEmail sent to " resolutions '' XX/XX/XXXX requesting assistance with reimbursement. This is now over 90 days of chasing {$100.00} due to me.
02/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90713	Web
I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.
08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92683	Web
I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to Blackwell recovery and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
03/13/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92123	Web
XXXX XXXX XXXX sent me to collections with Concord Servicing as retaliation for trying to cancel my contract. Ive notified Concord several times ( see attached letters and timestamped emails ) that I was disputing the debt, and those notices have been disregarded. Concord continues to send me bills. I called earlier this week, and the only advice they could offer me was to call XXXX, who wont talk to me while my account is in collections. According to my rights under the Fair Debt Collection Practices Act, I notified them, and Concord needs to get with the program. I told them in my letters that Id make a complaint with the Consumer Finance Protection Bureau, and Im making good on my promise, something XXXX knows nothing about. They need to either offer a settlement that will cancel my contract with XXXX or return the debt to the original creditor so I can continue to fight for my contract cancellation.
04/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37043	Web
They charge {$5.00} for payments over the phone or on-line, but not on the much more manual method of sending in a paper check. Then they categorize that charge as 'Late Fees '. The payments made over the phone or on-line post in XXXX hours. According to Subsection 1026.10 ( e ), fees can not be imposed on payments made by mail, electronic, or telephone unless that method involves an 'expedited service '. XXXX hours posting seems a standard for creditors to post payments, no an 'expedited service '. Is this creditor, Benji/Concord , hiding these {$5.00} per payment charges to their customers by categorizing them as 'Late Fees '? If so, is this an illegal business practice? Any and All interest accrued or paid is not reflected at all on the paper Billing Statements they send out. My final payment made and discussion had with Concord was on XX/XX/2022, at XXXX, with representative XXXX XXXX
11/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24019	Web
I bought a water heater from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 using my credit card. They installed the water heater on XX/XX/2023. The charge to my credit card was made on XX/XX/2023 for {$2900.00}, even though I had called, sent emails, and informed the company that I was using my credit card to pay for this and not a loan company on XX/XX/2023 and several times after this date. They did not send me a receipt for this transaction and they did not cancel the loan to XXXX, XXXX that I had paid the company for the water heater in full. I am now receiving collection notices from XXXX, XXXX, because they have not cancelled this loan debt, that I have paid in full. I need a response before XX/XX/XXXX. I do not understand why they have not sent a printed receipt showing that I paid for this water heater in full or a confirmation that they have cancelled the debt owed to XXXX, XXXX.
08/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48091	Web
On XX/XX/XXXX, I sent a notice to rescind to Concord Servicing Corporation along with an affidavit of fact to which they have not responded. I submitted an application to them extending my credit for personal, family, and household use on or about XX/XX/XXXX. I discovered they used my application information to obtain monetary advances through pooling pursuant to 17 CFR 229.1101 ( c ) ( 1 ). They did not provide me with proper disclosures or notices which is a violation of the Truth In Lending Act. In addition to this, they also changed my address on this loan. They have been very deceptive with their criminal behavior and have caused me significant harm. Since they failed to respond to my notice to rescind and my affidavit, I am submitting this complaint. I have attached a copy of the documentation I submitted to them which details their criminal behavior for your review. Thank You!
04/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 15206	Web	Older American
I because a client of XXXX XXXX, in XX/XX/2020 when I had a sewer problem in my home. XXXX got me finance with XXXX XXXX. On XX/XX/XXXX, my account was transferred to Concord Servicing. Today I called Concord to get information on how to create an account so I could pay my bill, since I had not received any kind of communication from them. My payment is due on the XXXX of each month and I did not want late charges on my credit report. I was given a new account number and Web info to log in. ONCE I GOT IN TO PAY MY BILL I NOTICE THAT THERE IS A {$5.00} FEE FOR USING YOUR CHECKING ACCOUNT. THIS IS THE ONLY WAY THAT YOU CAN PAY YOUR BILL. NO CREDIT OR DEBIT PAYMENTS. I never paid a fee with XXXX, so why is Concord charging this extra fee and why can't I pay with my credit or debit card ... This is a rip off and I have excellent credit.
05/30/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90044	Web
I have an account in collections with Blackwell Recovery, and I'm actively working with XXXX XXXX XXXX ( the original creditor ) to cancel my membership. I asked Blackwell, in writing, to return my debt which I'm within my rights to do under the Fair Debt Collections Practices Act. The person I spoke to on the phone was incredibly rude and tried to gaslight me into thinking I didn't understand my rights. I told them they'd get no payment out of me and that I'd report them to your office. They're incredibly rude and dismissive of my rights as an American. I need my debt returned so I can continue to work with XXXX. Force them to return the debt to my original creditor. I followed all their instructions to the letter and they don't get to be paid because they want to act like schoolyard bullies.
03/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85225	Web
The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. The number they call from is XXXX. Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89431	Web
On XX/XX/2021 I obtained XXXXXXXX XXXXXXXX XXXX XXXX to give me an estimate on home repairs and was given a quote of {$7800.00} and decided to use XXXX XXXX fiance company at the time was XXXX XXXX and then changed to Concord Services. The job was completed in XX/XX/2021 and I made my loan payments on time and paid the loan off XXXX21. This morning XXXX2021 I had an email from XXXX noting a new loan reported on my credit report from no other than Concord Services showing my account is still active and it should be showing closed out. I filed a complaint with XXXX and there are numerous complaints with this company with same issues. This reporting has cost me -22 points on my fico score and I want this false reporting removed ASAP!
05/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91387	Web	Servicemember
On XXXX 's date XX/XX/2022, I received a letter from the company Concord servicing corporation about an alleged/disputed loan with the company XXXX ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, XXXX and XXXX XXXX You can refer to the current investigation conducted by the state of California Department of consumer affairs XXXX XXXX ), as well as the police report from the XXXX XXXX sheriff department XXXX XXXX XXXX ), and the complaint with CFPB against XXXX ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with XXXX.
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60107	Web	Older American
On XX/XX/2011 my timeshare membership was included in the Bankruptcy Courts. The membership was with XXXX as shown below. I have been receiving collection notices from Concord that will be affecting my credit scores that I have been trying to improve since 2011. XXXX, even thou I have sent them the paperwork from the courts showing that the membership was included in the bankruptcy, say that the membership was not discharged with the bankruptcy and that I owe the fees and the late fees as well. and that my membership is still valid. Thank you in advance for your help with this problem. XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
03/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SD 57702	Web	Servicemember
For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.
06/05/2023	Yes	Debt collection Private student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28105	Web
Sophisticated Phishing Scam Beware XXXX XXXXXXXX XXXX and/or XXXXXXXX XXXX XXXX XXXX XX/XX/2020 we co-signed a college student loan for a very responsible young man, the son of close friends. We have known this man 's parents since before he was born. In XXXX we received letter from XXXX XXXX XXXX in XXXX AZ confirming " per our request '' that the account was paid in full. The letter directed us to a website XXXX and a phone # XXXX. Neither of these are legitimate. XXXX XXXX XXXX is not the servicer of the loan. Our student has consistently made all his payments but there is a considerable outstanding balance on the loan. This letter is a phishing scam to lure us into responding.
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78624	Web
I have never been issued credit from Concord Financial nor have I ever surrendered property or had a repossession. However, I recently terminated a right to use timeshare contract that was executed in XXXX, XXXX XXXX that had a payment processing company in the United States, Concord Servicing, but I dealt directly with XXXX XXXX in XXXX to legally terminate the foreign contract and note according to their terms. I was told in an email, prior to termination, the the contract and note would be cancelled if the right to use documents were terminated. We have never used the XXXX timeshare due to recent events with COVID and international travel warnings.
12/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15146	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
09/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 800XX	Web	Older American
I signed up for a time share and I had been unable to use it every time that i went to use it due to blackout dates that weren't in the contract. I was still honoring the contract in good faith. However once the pandemic hit in XXXX of 2020 i had my XXXX 's taken from me due to no fault of my own. Due to this i was unable to continue to make the payments. Since that time the time share has continued to add maintenance fees on my account and interest payments. I am unable to pay at this point and it is becoming to much but in addition i don't believe the company has honored their contract in good faith. Can you please help me resolve this matter.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78253	Web	Servicemember
My credit report shows an open account with Concord Financial for {$17000.00} which was last updated on XX/XX/XXXX. The account is no longer open with Concord Financial and should be shown as either closed or cancelled. I called and recorded a call with Concord Financial on XX/XX/XXXX with a third party credit validator for a home mortgage to verify the account was in fact closed/cancelled. I asked Concord Financial to update my credit report and they have not updated my file. It is still showing as an adverse account. I can provide the recorded call if needed to show that Concord does agree that the account is closed/cancelled with {$0.00} due.
09/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 972XX	Web
A timeshare contract was entered into with XXXX XXXX in XXXX of XXXX. XXXX XXXX breached the contract after receiving several thousands of dollars from XXXX. XXXX XXXX then sent the account to collections with Blackwell Recovery. XXXX disputed the collection account with Blackwell Recovery, and provided proof of XXXX 's claims to Blackwell Recovery, and Blackwell Recovery refused to process the dispute and provide a written response to the dispute. XXXX then requested that the collection account be closed since Blackwell Recovery told XXXX they had to deal with XXXX XXXX.
10/18/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93704	Web
We have contacted Blackwell Recovery and advised them to stop contacting us. We have sent multiple letters advising them to provide verification that they are authorized to act on behalf of XXXX XXXX XXXX XXXX They continue to reach out to us without the requested information provided. We have requested that they cease and desist all collection efforts, reporting a soliciting from their services. This is absolutely ridiculous for them to be still reaching out to us. This is extremely frustrating and stressful. The calls and the letters must stop.
11/11/2023	Yes	Debt or credit management Debt settlement	Didn't provide services promised	TX 78108	Web
I purchased some solar panels in 2015 from a small company called " XXXX '' and during the pandemic the company went out of business so there's no one to replace or repair nor service the panels so I'm stuck with paying for panels that I can't use because they has no service agreement. No solar panel company wants to repair or replace nor service another companies product. So the collection agency says I still owe the original {$30000.00} that I've been paying for the last eight years with no reduction in the amount that I purchased them for.
09/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19438	Web
This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.
07/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 040XX	Web	Older American
Blackwell Recovery XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX On XX/XX/2020, I received a letter from you dated XX/XX/2020. The letter claims that I have a balance due to XXXX XXXX XXXX subject to a contract. I dispute the validity of this debt. I know of no such contract. Please provide evidence of such a contract showing my valid signature. Our arrangement with XXXX was based on monthly payments, which we ceased several years ago. Since then, we have not used nor intend to use XXXX 's services.
06/28/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AK 99507	Web	Servicemember
On three separate occasions, Blackwell Recovery has called my cell phone and then immediately hung up when I answer. When I attempt to return the call, I am placed on hold for 3 minutes, and then hung up on. I know that it is Blackwell Recovery, because they identify themselves that way on the automated answer to my call. I don't know of any account that I have in collections, and I don't know what Blackwell Recovery believes I owe, or how much they believe that I owe, because they refuse to speak with me.
09/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20850	Web	Servicemember
XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid XXXX XXXX XXXX XXXX off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a zero balance,
03/31/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60540	Web
The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.
07/19/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 66061	Web
I've submitted written requests for Blackwell Recovery to return the debt that I have disputed because I am trying to work with the original creditor to work out a cancellation option, and can not move forward with the account in collections. I plan to work this out and settle with the original creditor, and all of this has been explained to Blackwell Recovery. They are actively ignoring my disputes and continuing communication. I need this situation remedied ASAP!
09/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61761	Web
Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ).
05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28105	Web
I have been receiving phone calls from XXXX for XXXX a year. I have received as many as XXXX calls a day. I do not owe money to anyone and the person has neglected to say who I owe money to. I have told them to stop calling but they still persist. I have never received any communication as to why I am getting these calls. They even call on the XXXX. I have all call records from my cell phone, which is also registered on the Do Not Call registry.
10/11/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 84075	Web	Servicemember
Bl ackwell Recovery has attempted to collect a debt in the state of Utah and they are not licensed or bonded to collect said debt. They have placed a mark on my credit report when they are not allowed to due to not have a debt collectors license in this state. They have also tacked on added charges to which I h ave not agreed nor ever signed a contract for. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX fax email : XXXX XXXX
03/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60645	Web	Servicemember
Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.
02/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92373	Web
Repeated robo calls attempting to collect a debt for someone we don't know. We haven't answered because we were told that if we did, we'd just get more calls. They identify themselves as Concord Servicing caller ID ( XXXX XXXX XXXX. My husband recently had a XXXX XXXX and is recovering at home. This company is calling at XXXXXX/XX/XXXXon the dot. Waking him up. We have started unplugging our phone, what else can we do?
11/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92115	Web
I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
06/19/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80013	Web
I disputed a debt with Blackwell Recovery, and they're still making attempts to collect despite being informed in writing that the debt was disputed and they had no right to do so. I informed Blackwell Recovery that the debt needed to be returned multiple times, in writing, and they've thus refused to do so. I'm exercising my right to have the debt returned to the original creditor and are violating that right.
05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92407	Web
I had a Home Improvement loan with Concord and a balance of {$16000.00} which I paid off on XX/XX/XXXX and they wont update the credit report with a XXXX balance so my rating is going down because it looks like I have XXXX more debt then I should have total. I submitted a dispute and they said the info is correct which it was for XXXX but they have not updated the info to the credit bureaus for 3 months.
12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90602	Web
I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.
06/29/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 96130	Web
I've submitted written notices to Blackwell Recovery telling them that I was disputing the debt and it needed to be returned to the original creditor for me to handle. They have refused to do this and claim my rights to do this don't exist. I need them reprimanded for their business practices and the debt associated with my name returned to the original creditor.
12/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91773	Web
I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. I also receive calls on my cell phone but they don't leave a message. I do not owe Concord and have never heard of them. I don't have loans outstanding!
09/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94596	Web
My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 308XX	Web	Servicemember
I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.
01/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75211	Web	Servicemember
I received a letter from the debt collector that If I paid {$1000.00} to the account the balance will be {$0.00} and the collection be removed and shown as paid in full It still remains on my account with a balance no change I have sent the document to verify this communication with and it still remains
07/24/2018	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	PA 18940	Web
I have sent a letter from myself and my wife asking them for a copy of the contract and our signature as required by FCRA and they have not responded to our letter. It is a legal matter that they are not complying to. I will attach the letter and certified confirmation that the letter was received.
02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34208	Web	Servicemember
I keep getting calls from Concord Servicing Corp Phone number XXXX. They are looking for a " XXXX, XXXX ''. I am not that person. I have called them and emailed them asking them to remove my number from their system and to stop calling me. They continue to call. Please make them stop.
05/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95687	Web
Hello, I was granted a loan through XXXX lender, a company that no longer exists. That loan was bought by Concord Servicing. I am trying to get a copy of my original loan terms through Concord Servicing, but they have repeatedly ignored my requests for a copy of the loan terms.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KY 426XX	Web
I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85641	Web	Servicemember
My wife and alI are victims of identity theft the company XXXX XXXX XXXX XXXX is very much aware of this yet they turned an account that was not ours after receiving verification from the Official police report, to a collection company called, Blackwell Recovery.
03/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02780	Web
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92373	Web	Older American
LAST YEAR WE ASKED XXXX XXXX XXXX TO CANCEL THE CONTRACT AS WE ARE IN OUR XXXX AND CANT TRAVEL ANY MORE. THEY CONTINUES TO SEND NOTICES AND TREATEN TO DESTROY OUR CREDIT. ENCLOSE IS COPPY OF DEMAND. PLEASE HELP XXXX XXXX
10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 541XX	Web
Blackwell Recovery is not authorized to use my info for any reporting and refused to disclose why they are attached to my account.
04/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60605	Web
I demanded that the following account be removed from my credit report : XXXX XXXX XXXX Account # XXXX
01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30135	Web

12/23/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28262	Web

12/06/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 936XX	Web

09/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 972XX	Web

08/17/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 27603	Web

08/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21213	Phone	Older American

08/01/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90277	Web

07/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32163	Phone	Older American

07/31/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 50009	Web

07/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77386	Phone

07/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 76092	Web

03/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 324XX	Web

10/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21157	Web

07/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web	Older American, Servicemember

07/05/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28262	Web

03/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NJ 08081	Phone	Older American

03/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	WV 26525	Phone

10/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NV 89032	Referral

07/12/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76034	Web

07/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web

06/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32563	Web	Servicemember

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Web

01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95476	Web	Older American

11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI 96766	Phone

11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21229	Web	Older American, Servicemember

08/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91913	Web

05/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 991XX	Web

08/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92677	Web	Older American

06/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90650	Phone

04/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone	Older American, Servicemember

03/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95032	Referral

07/14/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76504	Web

06/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76504	Web

05/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80134	Web

04/12/2018	Yes	Mortgage Other type of mortgage	Improper use of your report Reporting company used your report improperly	CA 90221	Web

03/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90266	Web	Older American

03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39503	Fax

02/08/2018	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 Problem with personal statement of dispute	GA 30024	Web

01/23/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TX 76063	Web

01/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SD 57719	Web	Servicemember

12/11/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06851	Web

11/08/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06851	Web

10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75025	Web

09/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98026	Web

08/28/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77388	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95363	Referral

02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80433	Web

12/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	XXXXX	Web

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95125	Web

08/31/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 56628	Web	Older American

05/26/2016	Yes	Mortgage Other mortgage	Other	GA 30324	Referral

03/02/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 95747	Postal mail

03/02/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CA 95747	Postal mail

01/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78640	Web	Servicemember

11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93619	Postal mail

10/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92652	Web

08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 74133	Web	Older American, Servicemember

08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85395	Web

06/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30135	Web	Older American

05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	UT 84404	Postal mail

04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NE 68046	Postal mail

03/05/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 65803	Web	Older American

02/04/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	TX 78727	Web

01/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 92056	Web

12/22/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 91360	Postal mail

11/26/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	CA 92583	Referral

11/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	IL 61883	Postal mail

11/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95401	Postal mail	Older American

10/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95630	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91356	Fax

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35080	Web

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NY 13903	Web	Older American

09/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 11520	Phone

09/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95762	Web

08/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11413	Web

07/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 63146	Web

03/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	DE 19933	Web

03/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 22193	Web

02/18/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted me after I asked not to	OR 97222	Web	Older American

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PR 00919	Phone	Older American

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95228	Phone

10/08/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11735	Web

09/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 85628	Web

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 96122	Phone

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32713	Web	Older American, Servicemember

08/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29440	Web

07/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30075	Web