| 08/24/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Over the last XXXX ( XXXX ) years I, XXXX XXXX XXXX ( Consumer and/or Plaintiff ), have been DENIED access to extended credit opportunities via Credit Cards XXXX XXXX of XXXX for XXXX XXXX XXXX and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my Secret level security clearance restored because of the fraudulently perceived Bad Credit image that has been falsely stained my character by XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( PHEAA ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and other XXXX XXXX XXXX ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq.
I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because XXXX XXXX ) reported by XXXX XXXX to them at a XXXX rating ; and XXXX ) have negatively and falsely reported me having over XXXX instances of DELINQUENCIES and/or LATE PAYMENTS over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! XXXX Exhibits XXXX & XXXX.
Ive constantly disputed the accuracy of the information in my credit file over the last 5 years.
Most recently, on or about XX/XX/XXXX, XXXX XXXX posted a Collections on my credit file for all CRAs in the amount of {$17000.00} and I want to know WHY????? The last semester I attended XXXX was the Fall of XXXX ... and this was NEVER on my CRA accounts until XX/XX/XXXX?? THIS IS NOT MY ACCOUT NOR DEBT!!! This needs to be resolved ASAP because this issue is both putting my XXXX XXXX in jeopardy and it is interfering with my purchase of a home that I'm due to go to closing within the next 30 days.
As such, the actual damages sustained by the XXXX as a result of the Breach of Contact, Theft, Breach of Fiduciary Duty, Negligence, XXXX XXXX, and other collective acts of the Defendants include, but are not limited to : Financial monetary loss of {$20000.00} in XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Financial monetary loss in the {$590000.00} appraised market valuation of the Subject Property due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference in the {$7800.00} in monthly income from the Billboard and Cell Tower revenue from the Subject Property due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from XXXX Bank for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference with the planned future Planned Unit Development ( XXXX ) Mixed-use rezoning of the property valued in excess of {>= $1,000,000} USD due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from Plaintiffs new lender, Cleared for Closing for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference regarding the XXXX separate Realestate appraisals and fees that the XXXX paid for to support his cash-out refinance of his XXXX asset properties totaling over {>= $1,000,000} in valuation due to decreased credit ratings and inaccurate reporting.
Financial monetary loss and Tortious Interference with the planned future redevelopment of the site into XXXX Multifamily Apartment units with a planned estimated investment and valuation in excess of {>= $1,000,000} due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX Bank due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX of XXXX XXXX, GA due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX of Georgia due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX government due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX Department of Veteran Affairs due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX Department of Treasury.
Tortious Interference with Plaintiffs business relationship with the XXXX Department XXXX Housing and Urban Development due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX and other local and national media outlets due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs image, brand, and likeness for XXXX XXXX XXXX and XXXX XXXX, XXXX due to decreased credit ratings and inaccurate reporting.
Tortious Interference with Plaintiffs reputation and good name due to decreased credit ratings and inaccurate reporting.
XXXX, emotional, physical pain and suffering Negligence Criminal Negligence Negligent Infliction of XXXX, emotional, physical pain and suffering.
Breach of Duty of Good Faith and Fair Dealing.
Breach of Fiduciary Duty Breach of Contract Others to be determined.
Furthermore, under Georgia law, damages for mental suffering and emotional anguish can be recovered, when there is an intentional infliction of mental distress, without a showing of contemporaneous physical harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ).
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| 12/16/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX : Account Number XXXX - {$1200.00} Balance Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6. ) Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.
15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.
15 U.S. Code? 1692f-Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on envelopes which violated the law.
15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 U.S code 1692a so the debt is owed to me.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.
Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you already committed.
Sincerely, XXXX XXXX
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| 02/18/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Between the years XXXX, I attended XXXX XXXX XXXX University and had my education put on hold a few times. Eventually the holding time expired as I discontinued my education. Between these years I started paying back my loan but I also moved a few times. I have been meaning to update my information with the collection agency, however they would always call while I am driving. I know this because when they call, the intro is always " we are attempting to collect a debt ''. Despite being on the road, I usually take the calls and ask them to give me a call back in a few minutes. They never do.
There used to be a portal that I would be able to login and make a payment, however the website URL has changed and my credentials no longer grant me access to make a payment. I am talking about www.ecsi.net. So without them calling me back, and no portal to make a payment, it seems to be a situation were I can not uphold my end of the deal.
After passing by my old home, to pick up some mail I noticed a letter in mail addressed to me. It isn't from the collection agency, rather it is from XXXX XXXX XXXX University.
I quickly call XXXX XXXX XXXX University to see how to resolve the situation and they ask me to deal with Conserve directly as it is already in default.
Thereafter, in late XXXX, I give a call to Conserve a call to clarify that there is miscommunications and update them with my address. I told them I am okay with paying the fine as long as it is the correct amount assessed. The amount they stated is a mismatch with the amount XXXX XXXX XXXX Stated. They said they will look into the situation and asked me to contact XXXX XXXX XXXX University.
The information seems to be delayed moving back and forth and it is quite possible there is some collusion or intended delays to increase my balance. Conserve with the updated information, rather than reply back to me, they send me a new statement with higher and higher totals.
It is apparent that I am unable to work with them directly as they are in the business to take every XXXX from me and misguide me. I tried calling them on the matter and no one dares to give me a straight answer.
Conserve Case Number XXXX Student ID : XXXX Early XX/XX/2017 I pick up a letter dated : XX/XX/2017 : A letter from XXXXU requesting {$1600.00}.
And another letter XXXX : XX/XX/2017 : Conserve requesting {$1500.00}.
Thereafter, I first call Conserve to check, they asked me to contact XXXX XXXX XXXX University. I call XXXX XXXX XXXX University requested information how to to make a payment or resolve this case. They said they will get back to me. I think his name is XXXX XXXX.
XX/XX/2017 : A reply from XXXXU of : Conserve XXXX A 2nd reply from XXXXU of : XXXX ( required a user ID and password/ i entered my credentials and no user ID was found ) Between XX/XX/XXXX to XX/XX/XXXX : I call conserve, and they stated that my debt is {$1700.00}. I told them XXXX XXXX XXXX is requesting a different amount, and asked how did they arrive at that number?
They said they will look into it and get back to me shortly.
At this point, I kindly updated my communications with them, giving them my address, contact information, etc. I was willing to work with them and settle the debt but only by paying the correct amount.
A letter dated XX/XX/2017 arrives. Conserve is now asking for {$2800.00}. At this point they have successfully scammed me into thinking they were looking to resolve the debt, but they were only looking to see how much more can they XXXX out of me. The possible collusion is that my credentials are unavailable in the XXXX website or the https : XX/XX/XXXXwebsite. Making it resolvable on my own.
Both entities fully control the timeline and misdirection, adding more to the debt and making this case worse and worse. They have negatively affected my credit score and made it very difficult for me to borrow any money.
I have been agreeable to paying the debt during this time, but it has to be the right amount as I have letters documenting the amounts. I ask the CFPB to look into their intentional delays and to help me retrieve a number that was originally stated.
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| 02/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, I am sending this letter to you in response to multiple notices I received from you on : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This letter does NOT serve as an admission to any of the debt collection notices you have sent and its contents, rather, this is a request for VALIDATION. I respectfully request that your office provide me with factual evidence that I have any legal obligation to pay you.
Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; -Provide me with your license numbers and Registered Agent ; and -Provide me with the purchase agreement of this debt between you and XXXX XXXX XXXX XXXX.
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character Found in THE FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692e 807 . False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including, but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 09/30/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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My student loans went into default last year, and were taken over by Conserve. After researching options for resolving default, I called Conserve yesterday and spoke to " XXXX '' who was not my particular assigned agent ( " XXXX '' was not there ). He insisted on collecting a great deal of contact information from me before talking to me about options available, asking what I was capable of doing. I told him I was interested in getting information on Consolidation or Rehabilitative payments, but he said he wanted to " run through a list of options, beginning with paying off the entire loan ( ~ {$140000.00} ) with the included ~ {$67000.00} in penalties ( ~ {$200000.00} ). Next, he wanted me to pay a " settlement amount '' in the amount of the original loan. XXXX options are beyond my means. After I let him know again that I was interested in either rehabilitative options or in consolidation, and primarily options concerning consolidation, he moved on to rehabilitative payments and he began to ask questions about my financial situation and household, saying he could n't talk to me about anything else until he had that information. He began to collect more information about my job, my salary, household, etc. etc. and insisted that I send paycheck stubs to him immediately. When I let him know these were not immediately available, and again that I was primarily interested in talking about consolidation, he finally looked at the XXXX separate loans I have through the XXXX, then explained that once you consolidate, you ca n't consolidate again. As a result, I " could n't consolidate '' because of the XXXX ( of the XXXX ) I 'd already consolidated. XXXX immediately went back to asking questions about my financials so he could figure out a payment plan for me. Again, he was asking for paycheck stubs and personal information about my family and household. I interrupted him to tell him that I believed I did qualify for consolidation, at least on the loans that had not already been consolidated. He said he was n't aware of any information on that, and asked me where I 'd thought I 'd read that. I pointed him towards the XXXX website on getting out of default and read it to him, and he then quickly explained that had assumed that since I could n't qualify for XXXX of the loans that had already been consolidated, that I " was n't interested in doing that. '' I asked him how to go about applying for consolidation ( through them or through the XXXX ) or finding more information on that, and he said he was not aware of the program and that I should go ahead and arrange a payment plan with Conserve. I told him that I 'd call them back when I contacted XXXX, or able to talk with someone who understood student loans, and XXXX then let me know that maybe I could talk with XXXX and figure this all out with Conserve tomorrow.
In subsequent research, I have found that ALL my loans qualify for consolidation, without the {$65000.00} in penalties Conserve was attempting to impose.
XXXX, acting as an agent of Conserve, was clearly trying to obfuscate options available to me to resolve my defaulted student loans. XXXX was intentionally and deceptively withholding information. He was clearly working from a Conserve script to present only the options that were advantageous to Conserve ( most profitable ) and to ensure that I, as a borrower, did not feel confident in either in my understanding of the loan or default process in order to assure that they make maximum profit. XXXX did so by pretending to be ignorant of policies and practices ( consolidation, and policies surrounding consolidation ) that would be clear to anyone working in this field.
Thank you for your time, and I appreciate your help and attention to this.
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| 01/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You have no proof that this transaction even took place.You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not Fair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False informaton properly utilized to a manner that is or was equitabie to me. If This transaction even took place it should've been confidential so you in fact betrayed my confidence. You are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report.
Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report.
Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card referred to in the following section is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. BANKS OR FINANCIAL INSTITUTION CAN NOT LOAN MONEY STATES CLEARLY BY CONGRESS UNDER TRUTH IN LENDING AND YOU HAD NO AUTHORIZE CONSENT FOR CREDIT TRANSACTION OR FURNISHING FALSE RULES INFORMATION. Pursuant to USC 15 1692g ( c ) I request validation of this debt..
**NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT! I DEMAND TO RESCIND PAYMENT ALLEGED
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| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In the latter part of XXXX, I withdrew from a class from XXXX XXXX XXXX. I did not think anything of it, as I never attended said class and withdrew for health reasons. After dealing with the same issues throughout XXXX, I re-enrolled in XXXX. XXXX informed me I owed money, which I tried to pay online. I was told I needed to pay Conserve, so I got their information and called them. Upon calling, I verified two things. One was how/when would the school would be notified of payment. The other was verifying that this would be removed from my credit report, which they confirmed.
So after paying, I enrolled in classes and I thought everything was back to normal. Except Conserve never removed my tradelines. All attempts to dispute was met with the very typical, verified debt under FCRA, confirmed as paid.
I submitted a XXXX dispute, and they said they were legally required to report this debt. I let them know you can read plenty of reviews online of them removing tradelines, and much bigger companies do this often, and that this was what they promised to do for me initially. Mind you Conserve never contacted me one time to collect on the debt beforehand.
To dispute their FCRA claim that they were required by law, I then, using the same FCRA laws, asked for the following : Under section 609, I invoked my rights to receive the documentation to support Conserve claims that this was a valid debt.
Furthermore, I wanted the above information to show that they were also negligent in Section 623 of the FCRA.
To highlight areas in which Conserve is not following the laws that they will bring up, I have listed specific examples below : You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous.
- Conserve not only is reporting a debt that they promised to remove, they are also inaccurately listing this debt, which they have verified. This would be illegal under the FCRA and, at minimum, would require them to remove the tradeline to do this activity ( See attachment - They have me listed as being put in collections XXXX of XXXX, this is inaccurate, makes my score look worse and provides an unnecessary financial hardship.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
- As stated above, I have previously disputed the tradeline and inaccurate reportings. Conserve just gives the same generic answer over, and I do not believe they have really looked into this matter at all. Since they did not delete the inaccurate information, they are in violation of the FCRA laws.
Furthermore, the original creditor has reached out to Conserve and ask them to remove this tradeline. The same generic response was given to them.
On top of everything listed above, I think the burden of proof should be on the creditor. They have provided me with no documentation that has been requested, per my legal right, months ago. They have no phone call recordings of the initial call to back up their claim that the removal was not promised. They have not provided anything other than their generic responses.
With my documentation attached, I would ask that the CFPB escalate this up if Conserve is not willing to do what they originally said they would, and currently legally should do.
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| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, Unit # 2 Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Debt Validation and Cease and Desist Dear Conserve, I am responding to your contact about a debt you are trying to collect. You contacted me about a debt that I do not owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I 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. 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.
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? 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. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was. 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. 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 the debt. 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.
Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. 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. Please only contact me to let me know that you will cease and desist from asking me about a debt I do not owe .In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, and cease reporting this debt to the credit bureaus until you can provide me with all this information.
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| 05/01/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Can't repay my loan
- Can't get flexible payment options
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Web |
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I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. XXXX My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, ran XXXX, XXXX in school XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX, that I began to have a breakdown. I was attempting XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended XXXX leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have XXXX documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the XXXX economy by doing things like buying a home, buying a new car, etc. It is my right as an XXXX to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered XXXX, and it is a direct cause of me being delinquent on my loans in the XXXX place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and XXXX bless.
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| 02/19/2022 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I want to report Univ of XXXX for attempting to collect a debt of {$410.00} that I do not owe. On multiple occasions I have disputed the collection account through XXXX XXXX and XXXX and XXXX individually. The debt has been turned over to a New York based company, Conserve since XX/XX/XXXX. Furthermore, the school unfairly discharged me for no reason. I was a student in good standing, with a current XXXX GPA ; I always paid any balances owed while attending. However, it was in XX/XX/XXXX that academic advisor XXXX XXXX, cancelled all of my Fall XXXX classes, with the intention of abusing her authority after being promoted to XXXX of the XXXX department. Prior to this misfortune, XXXX acted as if she cared about her students. That year, XXXX, was an unfortunate year for myself because I had already paid the school in the summer XXXX, in the amount of {$2200.00} for housing. Yet, I was waiting to hear back from XXXX again to discuss my official class schedule to be able to start back in Fall XXXX. It was then that I learned that XXXX XXXX had planned to remove me from the school, regardless of all the hard work I had endured for my almost three years there. Even crazier, is that she waited to disclose this decision so close to the time that students are charged for the fall housing period. So, to clarify, I was sitting on campus with no idea that I was going to be let go, which led to me still living in the dorms at the start of the Fall XXXX school semester, Therefore, they took advantage of the fact that I was living on campus, awaiting a decision and when the decision was made, unbeknownst me, they charged me with a housing fee of {$390.00} and a {$20.00} mailbox fee, for still remaining in the dorms the early part of XXXX, a week before school was about to begin again. Next, I was contacted through campus email by the XXXX XXXX, XXXX XXXX, who was threatening me to get off the campus for non-payment and no longer being a student in the XXXX program. I was treated unfairly. Why would I pay these ingrates anything more? The last they were truly owed, was for the summer XXXX housing. And they did receive that payment. This school should be investigated in my opinion, due to the fact, that the cohort of students I worked with, all left under disheartening circumstances. I am a victim of this university 's abuse as well. Fortunately for me, I did find a place to live in XXXX, not long after being discharged from the school. Nevertheless, I request that the collection company Conserve, remove the collection from my XXXX report. I disputed in XXXX XXXX through XXXX XXXX and again through XXXX website XX/XX/XXXX. They did remove the collection account from XXXX when I checked XXXX XXXX a month ago. However, I feel if they removed it from one, they should remove it from my other reports as well. I refuse to be responsible for a debt that I did not acquire in the first place. Again, I have no intention to EVER pay Univ of the XXXX, especially after the unnecessary abusive practices.
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| 03/31/2015 |
Yes |
- Debt collection
- Federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Conserve has been calling my number since XXXX stating that I owed a student loan for {$3900.00}. They indicated that I could be placed in a repayment plan and after XXXX months, another provider would take over and I would be out of default status. At that time, I started paying {$150.00} per month. They still called constantly requesting financial info such as pay stubs, XXXX and XXXX form. They called once and stated that I needed to start paying {$1600.00} per month on this loan. I told them that I could not afford this. They continued to call and call. They then stated that I needed to pay {$900.00} per month which I stated that I could not afford. All the while, they were drafting {$150.00} per month. At XX/XX/XXXX, their XXXX XXXX indicated that I was never really in a repayment program, when I asked why they drafted my bank account monthly if I was not. She started lying at that time about how I needed to pay more. Then XXXX XXXX started calling me and stated that I need to submit more financial documentation and that my payment would be $ XXXX monthly which I agreed to. The XXXX payment due XX/XX/XXXX. On XX/XX/XXXX, I received my pay check and that Conserve had my check garnished. I called XXXX and she asked like she knew nothing of this and stated that she needed to speak to her manager. She came back and stated that if I made payments along with the garnishment, that after a XXXX months, they would stop the garnishment. I told her that was ridiculous because my check was garnished {$450.00}. I stated that the loan was only {$3000.00}. She stated that I now owed {$5400.00} which is ridiculous. She then stated that they would offer me a XXXX settlement of {$4200.00}. This company has lied, took money illegally and was deceitful. Conserve has unfair collection practices. I called the Dept of Ed about this and they stated that any actions taken was not by them nor order by them but it was done by Conserve only. They did n't know where the increase came from and had no knowledge of how Conserve was handling the accounts for them, They redirected me to Conserve which is a waste of time since they violate all of the Fair Consumer Act. Conserve needs to made to answer for all of their collection practices. The New York XXXX has numerous complaints regarding this company. Please help the consumers who are being harassed and deceived daily by Conserve. When I questioned XXXX XXXX why I was not notified about the garnishment by them, she stated that they mail a letter to me on XX/XX/XXXX regarding this. I asked what address was it sent to and she then gave my current address. I told her that she was lying about this because I purchased a new home in XX/XX/XXXX which is the address that she stated. I was not living at this address in XX/XX/XXXX. When I stated this she became belligerent and wanted to argue with me at which time I discontinued the call.
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| 12/14/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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I was contact by Conserv XXXX ( a governement debt collection agency ) regarding a housing and tuition debt through the VA. The women ( XXXX ) on the phone contacted me at my place of employment and kept saying she was calling on behalf of the United States Treasury Department. She repeated the name several times in an attempt to scare me. She used a very stern voice as she repeated " The United States Treasury Dept '' many times. I explained to her that I was going through a divorce and was a victim of XXXX XXXX and I was trying to get my affairs in order. I asked her if there were any hardship programs or anything available to me to help resolve this isse. She said no that I was beyond that point and needed to set up a payment plan immediately. She updated my monthly income and monthly expenses. After doing so she offered me a payment plan at over {$900.00} a month for 24 months. I told her that was completely unaffordable, she then said the longest she could go is 36 months for $ XXXX a month. I told her that was still unaffordable. She said that's the best she could do. I told her I couldn't start making payment until XX/XX/XXXX and she insisted I start on XX/XX/XXXX. After I told her I couldn't commit to that she said ok that the calls collection action would continue. After she got coerced the information out of me and was closing the call her tone of voice was completely different and even friendly.
The issue I have with this is she seemed as though she was trying to impersonate some sort of collector from the US Govnernment becuase she kept saying " US department of Treasury during the call, the plan she offered DID NOT taking any of my shelter, utitilities or food costs into consideration and I felt completely scammed after dealing with her because of the sense of urgency she tried to set. After doing research to see if they were a legit company I see they pride themselves in being the # 1 in getting results. That's because they use deceptive practices to con people into commiting to something that isn't feasable in an attempt to meet their collection numbers. She did not help me come up with any kind of plan that would help me resolve this debt taking into consideration my living expenses. I also see where the department of treasury goes longer than 36 months for payment plans after she told me she would check with her " manager '' then comes back on the phone to say no they don't go longer. If they company did this to me then they are certainly using scare tactics on other people. Not only did they call to collect balance due which I understand I'm responsible for and want to make good, they tacked on over {$8000.00} in " admin '' fees.
I'm obviously struggling with the actual debt but then adding the admin fees on top doubled the amount I owed and made the payment plan unaffordable.
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| 10/17/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This complaint is for XXXX XXXX College as well as Conserve Collection agency. I called XXXX XXXX College in XX/XX/XXXX to inquire about a balance on my account when I was trying to register for classes. To my surprise, she stated that I had a {$390.00} balance for a registered class for Fall of XX/XX/XXXX. I let her know that I delivered my premature son in XX/XX/XXXX and I did not take nor drop or withdraw from a class- it was not possible. She stated that I would have to come in ( I live an hour away ) and file an appeal for it.
TWO weeks later, I get an alert on my credit report that there is a new account listed, Conserve. I called to find out what company was the original creditor, and they stated that XXXX ( XXXX XXXX College ) was the original creditor but they didn't know for what. XXXX NEVER notified me that there was any sort of balance on my account- let alone one that would possibly be forwarded to collections, I HAD TO CALL THEM TO REGISTER then all of a sudden 2 weeks later its already in collections? How?
I drove the hour to XXXX in XX/XX/XXXX to file the appeal. When asking about this balance, I asked how it would be possible to have a balance for a class that I never took. If I was registered for a class, after 24 hours of non-payment, the class is automatically dropped. Also, after being a no-show for a class, ( online or in person you are dropped ). They are attempting to charge me a balance for a class that I was not even able to log into ( my doctor verified this with the letter he faxed to XXXX ) and that I should have been automatically dropped from this.
After sending in all supporting documents and a statement explaining why I was appealing this balance, I got a call from someone at XXXX saying that they changed a rule that you only have 90 days to appeal something like this and now it is too late. She gave me the email address of the woman who made this decision- XXXX and that was it. How is someone supposed to appeal something within 90 days if they are not given ANY notice of this at all? I would have never known this was even amount that I was being charged, had I not contacted them about registering for a class. Conserve and XXXX are now single-handedly ruining my credit by reporting an account that is not even a valid debt EVERY WEEK. This is literally a scam and {$400.00} may not be a lot to many to where they would just pay it but this is WRONG. This is not a valid debt- these are not real charges!
XXXX and Conserve are trying to make money off of people by bullying them into paying XXXX charges. I called Conserve again this morning and advised them that I am attempting to handle this with XXXX and this is being disputed and the rep stated that they will continue to report this every week. Please help.
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
I look forward to your immediate co-operation.
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| 10/11/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This account is one that I have been fighting with XXXX XXXX college for sometime now. It is from Classes that their counselor enrolled me on for fall XXXX after I told them that my financial situation has changed and I will have to work instead of going to school. The counselor put through the online enrollment despite me telling her not to leaving me with a bill for the classes. I had sent in petitions and letters to the school informing them of the error but each time their financial department pretended that they received nothing and then proceeded with sending me to collections.
I tried to explain to them numerous times that had I intended on enrolling these classes I would have filled out a BOGG waiver as I had done for every other semester. The fact that I out of nowhere stopped filling out financial aide when I am a single mother of two should have been enough for the financial department to at least investigate and work with me on a solution but they just kept ignoring me.
The first letter I received from Conserve, XXXX XXXX XXXX, was in XX/XX/XXXX It was the typical letter giving me 30 days to dispute before it hit my credit. I sent in my letter of dispute explaining this situation and informed them I would like any further contact via written letter so that I can keep it for my records since the college kept trying to dodge me and I was left with no proof. They never responded. I waited the 30 days as allotted by law and when I didn't hear from them and when they did not respond I relaxed figuring that they had removed the account due to my dispute. However, they did not. They ignored my dispute, waited a few months ( maybe hoping I would forget that I sent in a dispute letter within the legal amount of time? ) then reported the account to Credit Agencies for {$180.00}.
I disputed this account back and XXXX and they did not report on my Credit report until XXXX.
I started receiving several phone calls with from XXXX and have ignored all of them due to my request for all info to be in writing.
I disputed VIA my credit report as soon as I saw it and they finally responded in the mail. But what they sent me was only proof that the counselor had enrolled me online and that I had applied in school in general. They did not acknowledge that they did not respond to me original dispute and proceeded to illegally ignore it and report me to credit anyway. They also marked this dispute as resolved and the dispute is not resolved.
I am reporting the agency for reporting to credit while ignoring my legal right to written dispute. As well as harassing me via phone after being requested that there be no phone calls.
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| 02/17/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I attended XXXX XXXX XXXX during the Spring XXXX semester and took two evening classes. One class I was extremely happy with, however the second class ( interior finishing ) I was completely disappointed with the instructor and instruction and the lack thereof. I spoke to the administration regarding the instructor and the fact the not only I, but other students were unhappy about the instructor and the class. From my understanding the instructor was spoken to regarding this situation, however nothing changed regarding his behavior. After giving a chance for the level of instruction to change but hadn't, I ended up dropping the class.
On or about XX/XX/XXXX I received a notice from XXXX stating that I owed {$4100.00} in tuition for the class that I had dropped. I spoke with XXXX XXXX in the Business Office and informed her that I had dropped the class due to the lack of XXXX not providing a competent instructor for the course and that I would not be paying the tuition amount because of this. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX to inquire about this issue. After getting off the phone with XXXX it was my understanding that XXXX would not seek to collect the tuition. However on or about XX/XX/XXXX I received a second notice, which I thought perhaps was an oversite on XXXX XXXX part. However on or about XX/XX/XXXX I received a " Final Notice '' from XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX. and spoke to a XXXX in the Business Office and advised her that I had sent a letter to XXXX dated XX/XX/XXXX and to delay any further collection activities.
On XX/XX/XXXX I received a letter from XXXX XXXX law firm, XXXX XXXX XXXX, seeking to collect the debt. According to their letter I had 30 days to dispute the debt in writing and they would provide me with verification of the debt, which I did. After my letter I never received any further correspondence or verification of the the debt. I assumed that matter had been dropped.
On or about XX/XX/XXXX I received a collection notice from Conserve regarding the alleged debt from XXXX. I called XXXX once again and spoke with XXXX XXXX and she inform me that I would have to speak to a XXXX XXXX the VP of Finance. I asked that she have him call me. I never received a call. As per the letter from XXXX, I had 30 days to dispute the debt, which I did via mail on XX/XX/XXXX. I never received a call or any correspondence from Conserve.
On XX/XX/XXXX I received an email from XXXX Identity works which reported that Conserve reported their collection activity to the credit bureau which has damaged my credit rating which I have been trying to rebuild over the past few years.
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| 11/23/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XX/XX/XXXX, your company placed a collection account on my credit report without providing me with any prior notification that I owed this debt. Additionally, I was unaware that a small balance of {$190.00} was allegedly owed to XXXX XXXX XXXX. In XX/XX/XXXX, I started the process of trying to finance my first new home. On XX/XX/XXXX, my mortgage lender obtained my credit report and requested a letter of explanation on any negative reported on my credit report as per the requirement of obtaining a VA mortgage. I was provided with a small list of accounts that required attention, and this was the first time I had any knowledge of a debt owed to you. On XX/XX/XXXX, I had mailed the enclosed settlement offer letter to attempt to pay the balance off in full to your company in exchange for a courtesy removal of the account, even though I had no knowledge of this debt being owed. This also included a debt validation request in the event you wouldnt honor my offer. The debt validation portion came directly from the CFPB website and shouldve been subsequently treated as a dispute. This wouldve allowed you 30 days from receipt to provide me with all the requested information which I am entitled to. This was sent certified and was received by you on XX/XX/XXXX, signed by A KNG. Two days later, I started receiving phone calls from Conserve, so naturally, I had assumed your communications were being made to address my offer letter. It was not. I had informed the rep that I had submitted an offer letter which also included a debt validation portion should ConServe choose to not honor my offer and had asked her to please respond to my mailed requests. At this point, any collection attempts shouldve been stopped so that a proper investigation could be completed. That didnt happen. The rep proceeded to state that no letter was received and accused me of lying to the credit bureaus ( or that theyd be lying to the credit bureaus by responding to my letter ). I wasnt quite sure what was meant by that, so I kindly ended the call requesting that a rep responds to my letter On XX/XX/XXXX, a remark was noted on this account since the bureaus had been informed by ConServe that I was requesting a validation of debt. The remark reads, Account information disputed by consumer, meets FCRA requirements. As of today, the only information that I've received was legally should've been an initial debt notification notice. This should've been provided with prior to this account being placed on my credit report. There were no additional items provided, none of the my questions were addressed, and my credit shows no update/removal of this account.
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| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I am writing to report an action of a company. The company Conserve they are handling a debt I owe. I 'm writing this because I was treated unfairly. I was never given a notice. Which in this notice states I has the right to challenge or make a payment arrangement. Some how they sent the notice to wrong address I have n't lived in in years. I contacted the original debtor. I told me they did have my correct address. I informed the company Conserve sent the notice to my old address. I said they had the new address for awhile. The biggest problem is when I informed Conserve. That i never got the notice. I was meet with attitude and bad business ethics. Conserve said it was my fault they had the wrong address and not their in a very angry and discomfort way they told me. As if they was saying we do n't care what we did. The confusing is Conserve some how had my current employer address correct. But had my current address wrong. I started working for this company while after I moved. It seems to be Conserve did this so I could n't fight the claim. I would n't had thought this if someone would had said sorry we had the wrong address. But instead they made it seem like it was my fault trying to be little me or bully me into saying nothing. I felt a lot of discomfort. I felt I like I just got bullied into something and had not control. Cause I was never given my right to settle or make a payment arrangement. I told Conserve they they do n't show up on my credit report. They informed me that they would n't show up. This is what scarred me an outside party is collecting something and there is no paperwork on my credit report of them. I felt like i was be even more bullied. And that the none notice was intentional to collect on a debt before I could stop it. I filled out all their requirements to have the debt lifted. I was told I could fax it in so I did. They said they sent it off to the original debtor to go over to see if the debt can be lifted. I was told I could send in extra information. I sent in extra info later. So I called and was informed they they do n't know if the extra info would be used. They just told me that it would be. So I ask is it a way I can check on it. They told me no. That they do not know who is handling the debt. They just sent it off and wait. I have no clue if they really sent it off or not. They had my address wrong and something do n't seem right. I do n't trust them. They said it can take two months to hear something. I do n't feel it really takes that long or they just stalling. I just feel helpless and looking for some help.
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| 09/10/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Around XX/XX/XXXX i attended at XXXX college when i first registered for classed the course i was signed up for was event planning 1 while applying for a GRANT the classes where almost starting and i later found out they were no longer offering that Main class which was Event planning 1. The Financial Aid office had me listed as a male with selective service and for over 2 weeks with me going back and forth to the office trying to get them to change it they kept sending home to check my app. well i checked and it was no a mistake on my behalf so the last time they tried to send me home and told me to mail a letter to selective service i refused to let them continue to give me the run around so i stay in the office and call selective service to let them know what was going on considering my classes had already started. The rep from selective service said that was crazy and said for me not to leave he asked to speak to the case worker there in the FA office so that he can tell them to simply look at me and they can tell i was a female will needless to say the young lady went right in and changed the status from male to female i had been in and out of that office over 7 different times trying to get in my classes and for them to release my GRANT. because classes had already started and i had to wait on my grant money to post before i could get my books i was so far behind it was to late to turn around i wanted to attend school badly just couldnt keep up. i notified the instructors that i could not keep up and they agreed to allow me to drop with full refund ... while checking my credit report i realized the school put my account in collections for {$530.00} i had no idea they put this in collections saying i owe the school money ... i called the school and they told me the school paid for my classes so now i owe them. I said i never agreed to let the school pay for my classes thats why i applied for a grant i did not have money to pay for any type of load..if i had to take out a loan i would have never signed up for school. This has never happened before.if the did pay for classes they did it with out my permission or knowledge they never spoke to me about it and never was given permission to do so. They never gave me a chance to even address the issue i never got a letters and when a person from the school did attempt to call me she only stated that she wanted to discuss me coming back to school never saying anything about collections or a threat of a collections. now its reporting on my credit report on XX/XX/XXXX for {$530.00} please help
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| 07/27/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file.
Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file.
I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work.
Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '
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| 05/22/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023 I put a disputed for this Collection account from CONSERVE with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
*Account was verify/Updated as been verified and accurate*.
On XX/XX/2023 I resend a disputed for this collection account from CONSERVE with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY.
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
On XX/XX/2023 I receive what its to be verification from Conserve collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERY ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!!
At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.
PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer.
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
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| 01/25/2018 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : The attached photos are proof of failure to adhere to FCRA law. Credited reporting for XX/XX/XXXX before request to dispute began signed for XX/XX/XXXX and XX/XX/XXXX 39 days after dispute process began no mark of dispute.
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| 12/26/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Fact, Title 15 Chapter 41 of the U.S. Code is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibits A-D, Continental Service Group , Inc. , is in violation of 15 USC 1692f ( 1 ).
Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not obligated to remit payment for bills. Exhibits A-D are the responsibility of the United States.
Fact affiant is aware and has proof pursuant to 15 USC 1692c ( a ) ( 1 ) and Exhibits A-D, Continental Service Group , Inc. communicated with me at an unusual place and time by mailing 4 letters to my location.
Fact affiant is aware and has proof pursuant to 15 USC 1692e ( 11 ) and Exhibits A-D, Continental Service Group , Inc. failed to state in its communication that it is attempting to collect a debt AND that any information obtained will be used for that purpose.
Fact, affiant is aware and has proof pursuant to 15 USC 1692a, Continental Service Group , Inc. is a debt collector.
Fact, affiant is aware and has proof pursuant to 15 USC 1692d ( 2 ), Continental Service Group , Inc. used profane language in Exhibits A-D to abuse me.
Fact, affiant is aware and has proof pursuant to 15 USC 1692j ( a ), Continental Service Group , Inc, furnished a deceptive form and furnished the form to create the false belief in me that it was participating in the collection of an alleged debt and not the creditor.
Fact, affiant is aware and has proof pursuant to 15 USC 1692k, Continental Service Group , Inc. is civilly liable for violations herein.
Fact, affiant is aware and has proof pursuant to 18 USC 1341 and exhibits A-D, Continental Service Group , Inc. devised a scheme for obtaining money from me and committed mail fraud.
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| 09/23/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce.
On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX .
XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt.
I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer.
I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.
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| 10/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Subject : Complaint Against Conserve - Illegal Collection Practices Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the debt collector agency, Conserve. I have experienced what I believe to be illegal collection practices and wish to file a complaint with your organization to seek justice and resolution.
Conserve initiated collection efforts against me for a debt that I firmly believe to be inaccurate and unsubstantiated. Despite my repeated attempts to request validation and proof of this debt, Conserve has failed to provide any supporting documentation. Furthermore, they have continued their aggressive collection tactics, including harassment and intimidation, in clear violation of my rights as a consumer.
I kindly request that the CFPB conduct a thorough investigation into the activities and practices of Conserve, as these actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws.
Specifically, I have experienced the following illegal collection practices by Conserve : 1. Failure to provide validation of the debt : Despite my written requests for verification, Conserve has consistently failed to provide any supporting documentation or proof of the alleged debt.
2. Harassment and intimidation : Conserve 's agents have repeatedly engaged in harassing phone calls, using aggressive language, and making false threats of legal actions against me. These actions are explicitly prohibited under the FDCPA.
3. Inaccurate reporting to credit bureaus : Conserve has irresponsibly reported the disputed debt to credit bureaus without conducting a proper investigation or validating the accuracy of the debt. This has caused significant damage to my creditworthiness and overall financial well-being.
I urge the CFPB to take immediate action against Conserve to put an end to these illegal collection practices and to protect other consumers who may be similarly affected. I request that appropriate penalties and sanctions be imposed to hold Conserve accountable for their actions.
Thank you for your attention to this matter. I trust that the CFPB will take swift action in investigating this complaint and ensuring that justice is served. I look forward to receiving updates on the progress made and the resolution of this.
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| 05/04/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Received Federal student loan from the University XXXX XXXX XXXX XXXX for the Fall of XX/XX/XXXX. I had some issues that affected my ability to successfully complete the classes as I normally would. As such, I contacted the financial aid department to inquire about the financial consequences before making a decision regarding dropping the class. The representative informed me that I would not need to return funds if I was not receiving Pell Grant. I asked the same question four times and received the same answer each time. As such, I proceeded to drop the classes. On XX/XX/XXXX, I received an e-mail from the university stating that I needed to return funds. I contacted the university and spoke with the head of the financial aid department. After explaining the situation she instructed me to file a formal grievance. I filed the grievance, and during the grievance process the university proceeded to send my account to the aforementioned collections agency. After receiving correspondence from this agency, I contacted them by phone and sent letters via certified mail and first class mail. I explained the situation that caused my account to have a balance.On XX/XX/XXXX, I received a letter from said agency stating that it didn't have sufficient time to investigate my account. On XX/XX/XXXX, I received another letter stating that the account is accurate. I contacted the agency via phone and was told by a " supervisor " that the amount in dispute was from XX/XX/XXXX. I tried to tell him that the amount in dispute was not added to my account in XX/XX/XXXX, that I was notified of the charges on XX/XX/XXXX. I also informed him that I didn't drop the last class until XX/XX/XXXX, so it was impossible to have incurred these charges in XX/XX/XXXX. However, he concluded that the charges were added in XX/XX/XXXX, and that is false.
P.S. The agency also tried to argue that the grievance process does not prevent collection of the funds. My question is, why would the financial aid department instruct me to file a grievance to resolve the issue knowing that it would not resolve the issue, and would only delay a resolution? This account should not be a collections agency account, because we could have worked something out before my account got to collections. To conclude, this is an unfair debt collection, and is a violation of the Fair Debt Collections Act.
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| 10/26/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Unfortunately, the collection Agency ConServe XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Sent me into collection, which I believe was unfair, with all due respect, allow me explain what happened : I was registered in XXXX XXXX XXXX from XXXX online classes during the pandemic time in XXXX, but I never actually got to attend any of the classes at XXXX XXXX and decided to go to XXXX XXXX XXXX instead because it was closer to my house. I felt XXXX XXXX was a better fit for me. In this time I was living in XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX XXXX sent a laptop and I called the college because I wanted to return the laptop but they didnt accept it. They told me I have to pay for the laptop.
In this time my single mother had financial hardships, with her being a XXXX XXXX and her XXXX was closed for COVID-19, also with reduced hours and myself not working also. We absolutely didnt refuse to pay the laptop It was just the circumstances, those times were uncertain and fearful. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. schools closed, businesses closed, many people losing their jobs, houses and their loved ones, The pandemic was a very difficult time. My mom did not stop paying the rent, electricity, water and food. quarantine was two months and it lasted much longer. We don't know how we have survived those difficult times we had during the pandemic.
I started working last year of XXXX in XXXX and I was finally able to pay the laptop. The laptop is now paid for in full at this moment. My mom called the collection agency and told them that we were going to pay the full amount, with the condition that they remove my name from the 3 agencies ( XXXX, XXXX and XXXX ) and they accepted, but my name still there. My mother and I, are extremely responsible people, and we know the importance of making payments on time, my mother has achieved a good credit score.
Please, I beg you, if you would be willing to make a goodwill gesture and remove the Collection from my credit report. Because it is affecting me, having a better line of credit, applying to rent an apartment and car.
If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with any company.
Thank you for your consideration and time,
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| 02/28/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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My loans from the US Dept of Education ( Federal level ) have been in default. There are 11 loans in total.
My loans are apparently handled by the US Dept of Education and a Collection Agency called ConServe.
I had a federal tax offset of {$4200.00} which was handled by the USDept of Education. I called and spoke with ConServe and the USDEdu, asking if I could apply my offset to specific loans so they would be paid off. I was told their policies does n't allow for this and they will divide it among all 11 loans equalling about {$380.00} per loan. Doing the financial analysis on this, that is pointless as the interest will accrue and make that money worthless.
I spoke with the supervisor at USDEdu, named XXXX, Employee number XXXX and she told me they will apply the money to the loans of my choosing. I confirmed that this is OK to do from the Department of the Treasury. About 2 weeks ago, around XX/XX/XXXX, I called back the US Dept of Education to confirm which loans I wanted the money applied to.. Strangely, the balance they gave me on these loans was suddenly {$400.00} more than the previous week when I received my loan information from XXXX. I asked to speak to XXXX about it but they claimed they have no employee there by that name and have no way of verifying employee extensions.
Frustrated, I reluctantly let it go for the time being. Today, XX/XX/XXXX, I contacted ConServe to verify those two loans were indeed paid off. They are now telling me that the money was applied to ALL 11 loans per the US Dept of Education guidelines, and there was a note in my account on XX/XX/XXXX by the US Dept of Education saying they would not apply the money in full to the loans in question. ConServe basically always tells me theres nothing they can do and to contact the US Dept of Education. The US Dept of Education always tells me theres nothing they can do and to contact ConServe. I do n't understand why I ca n't apply MY money, the way I want it applied to MY loans. This seems like unfair practices designed to work in the creditors favor and oppress me as the borrower who is trying to take care of these loans.
It is also my understanding that tax offsets can not be applied to collection fees, and I believe they have done this as well based on the sudden {$400.00} increase per loan but they refuse to send me a financial statement.
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| 12/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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To Whom it may Concern : Centental Service Group # XXXX This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this debt.
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| 08/02/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX, XXXXXXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSERVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONSERVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX SEC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/14/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed this debt numerous times. I sent Conserve a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Conserve has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Conserve : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
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| 09/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a collection notice from Conserve stating I owe them {$1800.00}. Before calling them I called the XXXX loan company and they said the debt was sold to Conserve and that they ( student loan co ) could not help me any further. The reason for my call is that on XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I had a remaining balance of {$310.00}. This letter will be attached in my complaint. That is the only debt I know of owed to the XXXX loan company.
On XX/XX/2018, I received a collection notice from Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. This was a " notice '' collection letter giving me 30 days to dispute the debt or pay it before it hits my report. The letter stated that I owe the collection company {$1800.00}. This letter is also attached to this complaint. I spoke to someone who called himself, XXXX, but would not give me his last name and only that he was a XXXX.
I told XXXX XXXX was confused about this collection notice. That I had a letter from the student loan company, in XX/XX/2018, stating I only owe {$310.00} and I have not received notices stating I owe any more then that. I requested, over the phone to XXXX, that he send me a statement or something verifying the amount owed as I am not willing to pay someone {$1800.00} if I only owe {$310.00}. XXXX then stated ( I hope his calls are recorded ) that he did not have to verify the debt that people who call here know they owe it and simply make payment to them. I told XXXX that I need the actual facts before I make a payment to you or anyone else. He stated he did not have to provide any information to me. I then told XXXX that I am officially disputing this account and that until this is resolved I don't wont it reported to my credit report. He said nope, On XX/XX/XXXX if you have not made payment we will report it to the bureaus. I told him how can I pay {$1800.00} when I believe I only owe {$310.00}. I need to see what the difference is before I make a payment. Also, your letter states that I can dispute this debt. He basically said he doesn't have to provide any information, that I should know I owe it, and that it will report to the bureaus regardless of my complaints and official dispute on XX/XX/XXXX.
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| 05/15/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I enrolled at XXXX last year to start fall school in XXXX. I had some pre-requisuite classes I needed to take as a result of my poor XXXX scores. Due to the cost of attending college at XXXX, I decided to dropout and enroll at XXXX. XXXX has specific instructions on how you can dropout and a dropout request can be submitted online. Due to my pre-requisite classes that I enrolled in, I was flagged as a student who was not authorized to dropout online ( something that I wasn't aware of, when I called the advisor hotline # I was told to go online to fill out dropout request ). I reached back out to the advisor general email box, sent an email on XX/XX/XXXX to explain my situation and screenshots that I couldn't drop out online, an advisor by the name of XXXX XXXX informed me I can't dropout onine and to contact my assigned advisor XXXX XXXX ( only he can submit the request I was told ). The same day I reached out to my advisor, he specifically said to send him an email with my student ID number and a statement that says " I will not be attending XXXX, please accept my dropout request ''. My advisor specifically said " I will take care of it and make sure it does get processed ''. It wasn't until XX/XX/XXXX ( after the withdrawal date ) that my advisor told me, " oh you actually have to fill this dropout form out and send it back ''. This was all after the withdrawal date, so now I didn't qualify for for full 100 % refund and now XXXX claims it is my responsibility to pay this amount, along with Conserve the debt collection agency. I submitted 2 written letters to Conserve explaining my situation in DETAIL, even sent copies of email communications from my advisor with this instructions on how to drop classes. Altought I supplied Conserve with facts, they don't actually research the dispute. They just send a copy of the " XXXX withdrawal dates " and claim my debt is valid. This has happened twice now and CONSERVE is not actually RESEARCHING my concerns. They are not reaching out to the advisors to confirm what they told me to do to succesfully drop my classes. As a result, I'm submitting a CFPB complaint against them. They are not truely a debt collection company that RESEARCHES consumer debt disputes. Please help!
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| 08/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX XXXX Colorado XXXX, CO XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, as depicted in the attached picture/documentation. It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account.
I hereby demand an immediate and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation.
Activities that I have not authorized or been a part of include : XXXX. [ Describe unauthorized activity in detail ] Photo/Documentation attachment : [ Add any supporting evidence, such as screenshots or pictures, if available ] Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest.
I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities.
Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner.
I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so XXXX result in further legal remedies being pursued, should it become necessary.
I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly.
Yours sincerely, XXXX XXXX
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| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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ConServe, a debt collection company, sent a letter dated XX/XX/2022 to my employer ( XXXX ) to garnish my wages for a debt in the amount of {$1400.00} that my father, who has the same name, had incurred with the U.S. Department of Interior XXXX Bureau of Land Management in XXXX OR where my father owns a piece of land that he had a contract for access rights. I do not own any land in OR nor have I ever been to XXXX, OR, and I was not a party to this debt in any way.
ConServe took this action against me without a court order and without notifying me in advance of the existence of this debt, as all previous correspondence had been sent to my father. I became aware of this letter on XX/XX/XXXX when XXXX payroll sent me an email about it. I spoke with representatives from ConServe over the phone on XX/XX/XXXX to ask about the nature of the debt. When they mentioned it had something to do with the XXXX in XXXX OR, I suggested that this was likely related to my father to which the male representative responded they had " verified my social security number with the Dept. of Treasury '', which I discovered when speaking with the Dept of Treasury hotline ( after being on hold for 3 hours ) was not true as the debt provided to ConServe never included my social security number.
I later obtained letters from my father and spoke with ConServe again on XX/XX/XXXX, providing them both the letters as well as proof of the debts being paid in full on pay.gov, where I was reassured that ConServe would cease garnishing my wages, but this did not happen. I spoke to them again on XX/XX/XXXX, but by this time it was too late and the full amount would still be garnished from one final paycheck.
The amount illegally garnished from my paycheck, for a debt that wasn't mine, is on top of the full amount that my father owed ( and paid ).
The dollar amount in dispute is {$1400.00} plus {$25.00} in interest ( 5.45 % rate for 4 months ) = {$1400.00} My wages were garnished in 2 paychecks ( XX/XX/XXXX and XX/XX/2022 ) There was no product, I never signed any contracts with ConServe or the XXXX.
I have not contacted any agencies or attorneys, there is no court action pending or previous lawsuits.
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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We moved to XXXX XXXX , MA in XXXX of XXXX . In XXXX of XXXX our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house. In the fall of XXXX I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in XXXX XXXX was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and we had been living there and nowhere else since the summer of XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected. In the winter of XXXX I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since XXXX . I heard nothing back. In the spring of XXXX I received a letter from th e Dept of US Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back. In XXXX of XXXX Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back. This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this still does not allow me to obtain credit of any kind. Thank you for your consideration in this matter.
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| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
|
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On Monday, XX/XX/XXXX at approximately XXXX, my father texted me that someone had called him, looking for me, he gave me the phone number so I can reach them. Right away, I called them and asked them what is going on that they have to contact my father. They proceeded to explain they were a debt collection agency named Conserve and hired by XXXX to collect a debt. I asked why didn't they contact me via mail, email, phone call, or even leave a voicemail. They explained that they sent one letter, I explained that I am traveling for work so I didn't receive it. We both understood each others side. The next explanation is that they did try to call me and I didn't answer. I said I don't answer to phone numbers that I don't know who they are, plus I'm working and I return voicemails if they leave one. They explained they don't leave voice mails if the voicemail isn't setup stating my name, so they don't give information to the wrong person. Fair enough to both sides. They didn't give me an explanation on why they didn't try to send me an email. I understand they have a job to do, like all of us in this life, but they didn't need to embarrass me to my father. Ever since I entered adulthood, I have never put his information on my legal documents. To avoid situations like this one. I asked them if its " right '' for them to look up my information to get into contact with me. They told me " yes '', if we can't reach you, we have the authority to do anything necessary to contact you. They proceeded to explain that they have a list of phone numbers to find me, I asked politely which numbers and to remove those numbers that are all family 's phone numbers. One phone number is actually my old phone number from my teenage years when I was on my family 's phone plan. From what I understood, the representative explained the " search '' of my information may have started when my old number popped up on their system as disconnected. That makes me question the steps they took in this whole process and to have my information from when I was a minor?! Am I the only one that sees the wrong in that?
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| 10/07/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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T
his company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act
1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud
where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 08/25/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus.
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately.
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop!
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )
|
| 09/15/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
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ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!
|
| 08/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor account # XXXX Subject : Cease-and-Desist Notice for Account # XXXX Dear ConServe I am writing to formally bring to your attention a matter of great concern regarding my account, It has come to my attention that certain activities, unauthorized by me, have been taking place within the mentioned account.
I hereby demand an immediate removal of collection acc. # XXXX and thorough investigation into this matter as it raises serious legal and ethical issues. As per my rights and responsibilities as an account holder with XXXX XXXX XXXX XXXX, I expect prompt and appropriate action to rectify this situation.
Allow me to emphasize that this account is under my sole ownership, and I am the only individual authorized to conduct transactions on it. Therefore, any transactions carried out without my explicit consent are considered illegitimate and must be reversed or nullified at the earliest.
I kindly request that you immediately cease and desist all related operations on my account until a full investigation is conducted and a resolution is reached. In addition, I wish to be informed of the steps being taken to rectify this matter and secure my account from further unauthorized activities.
Please ensure that all communication regarding this issue is conducted in writing and directed to the address provided above. Furthermore, I request that all necessary documentation pertaining to this case be provided to me in a timely manner.
I trust that XXXX XXXX XXXX XXXX, an institution known for its commitment to customer service, will promptly investigate this matter and take all appropriate actions to resolve this situation. Failure to do so may result in further legal remedies being pursued, should it become necessary.
I look forward to your immediate attention to this matter and appreciate your cooperation in resolving this dispute promptly.
Yours sincerely, XXXX XXXX
|
| 10/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.
|
| 06/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX NY, XXXX Conserve XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
On behalf of my company, I am writing this letter because we are distressed that you have included the information below in XXXX XXXX XXXX credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information listed below needs to be re-investigated.
Alleged Debt : {$3300.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is.
Alleged Debt : {$2200.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is.
I on behalf of XXXX XXXX XXXX respectfully request to be provided proof of this alleged debt, specifically the contract, note or other instrument bearing my signature.
Failing to do so, the item must be deleted from the report as soon as possible. The item that is listed above is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.
In addition, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Sincerely, XXXX XXXX XXXX of XXXX XXXX XXXX.
|
| 03/19/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
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InXX/XX/XXXXIenteredintoarehabloanagreementwithConservetobringmeoutofdefault.Theyneversentmeanyfinalpaperworkorcorrespondence,theyjuststartedtakingautomaticpaymentsoutofmybankaccountwhichIauthorizedundertheassumptionthepaymentswerebasedontheloanrehabagreement.Thepaymentshavebeentakenoutmonthlyfor2years.Isporadicallywouldreceivealetternotifyingmethattheamountpursuanttomyloanagreementandpriorauthorizationwouldbededucted(acopyofoneofthelettersisattached).IreceivedNOothercorrespondenceotherthanthesesporadicletters.ThisyearmyhusbandandIfiledjointtaxreturnsandreceivedanoticethattheentireamountwastakenasanIRSoffsetduetomyUSDeptofEdloanbeingindefault.IcalledthenumberontheIRSletter(USDeptofEducation)andtheautomatedsystemsaidmyaccountiswithConserve&transferredmetothem.TheytoldmethatafterIfilledoutallthedocuments(backin2016)theydidanauditanditwasdeterminedIshouldbepayingmorethanwhatmycurrentamountis,butIwasnevernotified.IreceivednocorrespondenceinanywayormessagesoremailsoranythingfromConserveabouttheproblemwiththeamountotherthanthesporadiclettersImentioned(oneisattached)andsincetheautomaticpaymentswerebeingtakenmonthlyfrommybankaccounthowwouldIknowtherewasanissue.IaskedthemwhyIwasnottoldabouttheoffsetsoIcouldhavetriedtorectifythesituationandwastoldwecantgeneratethattypeofcorrespondenceIaskedwhynobodycontactedme,Iwastoldwetriedtocall.IaskedwhenIreceivednomessagesandiftheycouldntgetmebyphonewhydidnttheysendmecorrespondence.Iwastoldwecantdothat.Sohowisapersonsupposedtorectifyasituationthattheyarentevenawareof?HejusttoldmetohavemyhusbandfilloutaninjuredspouseformbutwouldnotgivemeananswerofhowImindefaultifIhavebeenmakingpaymentsfor2yearsandwasNEVERtoldtheirwasanissuewiththeamount.Theywouldnothelpmeatall.IcalledtheIRSoffsetnumberitsaidtherewerenone,IcalledUSDeptofEducationtheytellmecallConserve,IcallConservetheywontgivemeananswerofhowImindefaultifIvebeenpayingwhatIthoughtwasalegitimateloanrehab.Nobodywillanswerme,nobodywilltellmyhowthishappenedandwhatIcandoandwhy/howImindefaultifIvepaidmonthly.
|
| 04/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 07/09/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
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I have made several attempts to get resolution since XXXX to current. No matter what the companies name was at the time XXXX XXXX, XXXX XXXX XXXX, Conserve, Ombudsman, etc No avail EVER.
My wages and Taxes are being garnished, I really do n't understand why both are being taken I have asked that multiple times. I still do n't have an answer to why the last payment arrangement XX/XX/XXXX with Concerve ( ph # XXXX XXXX XXXX XXXX ) that was set up and money was withdrawn from my account ceased.
XXXX Ombudsman had someone name XXXX XXXX assisting me at one time I was told yes I have a case XXXX had made contact with a supervisor of the collector at the time. I kept writing and requesting a hearing to stop pay/tax garnishments and to also request to only contact me at XXXX XXXX XXXX ONLY. ( never happen ). The alleged hearing was pending and no more information after that. Another garnishment.
I have made several complaints / request for assistance thru Ombudsman to no avail. I receive a generic letter stating issues were resolved however, they were never properly looked into.
I contacted Ombudsman on another occasion to request a different investigator whom also did not assist me.
My Recent attempts was on XX/XX/XXXX. I called XXXX XXXX XXXX I was advised as long as I pay I would receive over {$1100.00} off of my debt. I called XX/XX/XXXX spoke with someone name XXXX ID # XXXX when I asked about the {$1100.00} the line was disconnected. I called about got another XXXX the line was dropped again.
I have a garnishment which has already caused a financial strain on my household. I can not borrow another {$1.00} from anyone. I am being over charged with these garnishments. I can not afford my household expenses ( food, bills, Car Note ) and everything is behind and past due.
I have requested my payment be lowered to {$100.00} bi-weekly. I am not getting assistance from anywhere.
I would like to know whom the regulators are.
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| 08/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
|
| 07/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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This company contact on several occasions speaking about a debt I owed to a college. I told the supervisor that I never received any letter from the school stating I owe them. I told them that I didnt owe the school and I was disputing it. They sent several letters to my home, calling me asking me how I want to settle the account. I spoke to as supervisor XX/XX/XXXX, told them that I didnt owe this amount and the college stated that they could not speak to me about this account. She told me she couldnt help me with this account other to take payment. I told her to not call me again about this account since no one can explain this debt cause I didnt attend no school Summer 2018. On XX/XX/XXXX, they called me again, left message since I declined the call. On XX/XX/XXXX, they called me multiple times when I answered the phone, it was the same thing, how was I going to settle this account. I told the agent that they wasnt supposed to contact me, she placed me on hold and a supervisor came to the phone. I told the supervisor that I dont owe this money because student loans was paid out for when I was attending. I didnt attending school during that time and there was nothing to talk about. I told her that I had requested they dont contact me the last time they call, she told me they not going away. I told her I would hire a lawyer if this continues. At XXXX XXXX, I received another call after hanging up with the supervisor, asking how I was going to settle this account. They are disrespecting my privacy and request. Since no one has an answer to this debt but assumptions, I still state that I dont owe this amount. They have filed it on my credit repair before they contacted me about this account which is wrong since I never was notified of this debt from Conserve or XXXX University beforehand. They received my information by credit report since this is an unpublished number. Complete Violation.
|
| 01/15/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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|
Web |
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I had a loan with XXXX XXXX, that originated XX/XX/XXXX for {$35000.00}. By XX/XX/XXXX I was unable to continue to make payments on the balance of {$7700.00}, as I was in danger of losing my home and had to use any available cash to make my mortgage payments.
According to all three of my credit reports this debt was charged off XX/XX/XXXX.
XX/XX/XXXX I received a notice from the SBA, dated XXXX/XXXX/XXXX, that I had a debt due to them for {$5800.00}. On XXXX XXXX, XXXX I asked for records in regards to this debt, which were sent and received XX/XX/XXXX.
I researched my records and SBA records. When I called the SBA, on XX/XX/XXXX, to discuss the amount that was truly owed, I was told that the debt was forwarded to the Department of Treasury for collection.
After talking to the Department of the Treasury on XX/XX/XXXX I filed a Cross Servicing Dispute. I had been told that I could not enter into any payment plan until issue were resolved with the SBA.
During the time I have been trying to resolve the issue of whether or not or I had been given due process by the SBA, the Department of Treasury has intercepted {$2100.00} of money due to me from the Department of Health and Human Services. They have also sent this debt to a collection agency and added fees and interest of {$1600.00} and {$62.00} respectively.
I do not dispute that I may indeed owe the SBA some money.
The contract with the SBA, XX/XX/XXXX was to guarantee 50 % of the loan with XXXX XXXX. The amount that is truly owed has not been made clear to me.
Why did it take five years for the SBA to contact me? I communicated with them about this debt within the 60 day time frame on the notice yet, now I have been sent to collections as if I have paid no attention to the original notice from the SBA dated XXXX/XXXX/XXXX.
I have documentation for all I have stated in this letter.
Please help, XXXX XXXX
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| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I was contacted by a Debt collector company Conserve to my personal phone number twice today on XX/XX/22 on some issue my father is currently trying to resolve. The collector would not give me any information on dates of letters sent out or how many attempts just that they had done it " many times ''. My father does not speak English and this collector does not speak XXXX. I asked her to not call again and as a result and I told her one of the accountants of my father was probably handling that information but I did not have a contact because I do not work for him. She then demanded for me to provide a number for the accountant and act as a translator even though I am not responsible for this nor do I work for my father or her company. I told her I would try to make the accountant aware of the situation although I made no promises because it is not my job to do her job. She also refused to send my fathers business an additional letter for filing purposes and told me that they already had many times but they had 2 addresses on file and she refused and kept demanding I get my father on the line. She kept telling me they were trying to avoid extreme ramifications like forceful debt collect by vague implication a couple of times during the call but not vague enough by making sure to inform me that they " have his social security on file '' as part of that threat, I told her that it was unnecessary to mention that because obviously to go through this a social security number was provided when the loan was made that's how loans work. I am also an individual on the XXXX XXXX so I don't understand what she was trying to do with all her threats and mean tone that she probably got as a result of my monotone voice and telling her that some things don't make sense to me. I told her I am not responsible for anything relating to this part of her job and to not call again.
|
| 01/19/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.
|
| 07/26/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Older American |
|
Threaten and did garnish XXXX Check for a federal loan that was discharged through the Ombudsman Office, and XXXX loan that was charged back somehow, and was discharged because of hardship and XXXX since XXXX. Documents were sent as requested to Debt Collector and the XXXX XXXX XXXX. Collection Agency-Conserve harassed me even though I complied with the XXXX XXXX XXXX providing documentation, proof of bankruptcy of the loan, and again provided proof of XXXX as requested to XXXX and again to XXXX XXXX XXXX approximately 7 days ago.
I was advised by the XXXX XXXX XXXX to ignore initial garnishing XXXX up to a year for their investigation including XXXX as I provided all documentation again to XXXX XXXX XXXX. The same month XXXX harass me and again I told them and notify XXXX XXXX XXXX that I was being harassed.
My XXXX XXXX XXXX check was garnished off XXXX and sent a letter from the Dept of Treasury dated XXXX XXXX, XXXX, ConServe, XXXX XXXX, XXXX, XXXX XXXX in XXXX harassed me again, and I again indicated the XXXX Resolution told me they would directly correspond with me and it would take up to a year. Collector was rude, argumative and again I told her I provided all documentation necessary and was waiting for the XXXX XXXX XXXX to investigate and make a decision. There toll free number is XXXX. After the garnish I spoke to XXXX XXXX XXXX, Total @ XXXX XXXX, who indicated they would notify garnishing XXXX to stop up to XXXX while they requested yet again confirmation of XXXX, which I recently sent again. I became XXXX in XXXX, I attempted to go back to work after graduation in the year XXXX, but became ill in XXXX and work was not possible up to this date. Letters from my physician was sent to the XXXX XXXX XXXX and most recently again providing proof, in addition a letter from XXXX verifying being XXXX since XXXX.
XXXX XXXX XXXX. ConServe XXXX
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| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was charged a collections fee of {$650.00} from Conserve from the XXXX XXXX XXXX XXXX These charges they explained were from housing charges even though I never attended the university. I planned to attend the university all the way back in XXXX but after they took away my scholarship for no reason, I decided not to attend because I could not afford it without the financial aid they promised me. Since I decided not to attend they charged me housing fees and late fees for their university and put them on my school portal that I had created when I planned on attending. When I decided not to and gave them notice that I would not be attending in the fall ( and quite frankly had a very sour taste in my mouth about the university ) I did not log into my portal anymore. 2 years later, I saw a huge drop in my credit score and I discovered it was due to this issue that I had all the way back in XXXX where I was treated unfairly. I have tried discussing the matter with XXXX themselves and have only gotten in touch with one person. When I spoke to him he said he was going to help me handle my case and said he would call me back the following week. I never got a phone call, I tried to call and email several times and never got a response back. I have also attempted to dispute it through the credit bureaus and that was unsuccessful. I even started thinking maybe I will just borrow {$650.00} from someone to be able to pay this off even though I do not feel like I owe them ANYTHING just so I can get it off my creditbut my credit advisor informed me that even if I do that, the company conserve does not completely remove it off my credit so therfore, it would not benefit me. She advised me to this option as a last hope effort. PLEASE help me resolve this and get this issue off my credit so I can get my score back to where it was ( almost 800! ) thank you!
|
| 12/10/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am writing on behalf of my teenage son, who just turned XXXX and was a student at the University XXXX XXXX Florida in XXXX. He stopped going to school temporarily until he could decide what he wanted to study. He knows he owes the university money, but he received absolutely NO communication from the school regarding his debt, not even a notice that his debt would go in to collections if he did not submit a payment.
My son was first contacted by PHONE from the XXXX XXXX XXXX collections agency of XXXX, NY. This was his first ever dealing with debt and neither I or his mother were home to advise him. Instead, the company told him over the phone they needed his credit card number and to pick a date to start taking money out of his account. About a week later, on or about XXXX XXXX, he received a debt collections letter and a few days after that they removed {$360.00} fro his bank account.
I am upset with the University XXXX XXXX Florida for failing to contact my son FIRST to try to make an arrangement to pay. There were no letter sent to our house, no phone calls made to alert my son they were going to send his debt to collections if he did n't make a payment.
Both the University XXXX XXXX Florida as well as the XXXX XXXX XXXX XXXX XXXX ( ConServe ) took advantage of my son and did not provide him with an adequate opportunity to make arrangements to pay back the university. Furthermore, the collections cost on his {$3300.00} debt was {$1000.00} -- approximately one-third of the cost of his debt. NO credit card company, no mortgage lender, no bank I know of levies a 30 % penalty on debt, especially without attempting to make an arrangement to pay.
The university should be ashamed of themselves for this practice. My son simply did not know how to react and this is his first " real world '' challenge as a young adult.
|
| 05/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Conserve collection popped up on my credit report early XXXX . I tried calling the company but could n't discuss the account with anyone as they claimed they could n't discuss the account with me unless I verified my social, I refused to verify my social because I gave them an account number and according to FCRA rules that is the only information necessary when consumer are asking about an alleged debt. The representative go on to repeat my birthday, which was inaccurate and kept trying to get me to give her my social. I kept repeating I needed proof of the debt baring my signature and the representative kept asking for my social. I asked fo r a manager because absolutely NOTHING about this debt for conserve has come to my house. The manager infor ms me the original debt is through XXXX University. I explained I had gone through this with XXXX before in court and it was proven the debt was n't fine as I 've never attending XXXX and they XXXX and closed out my account with them. I informed Conserve they purchased a bad debt as I never owed the original creditor for them to sell the account, the manager then told me they needed to recover their money and tried to negotiate a settlement. At that point I asked again for proof with my signature that I owed Conserve ( as they are reporting it ) & n ot XXXX ( whom it has been proven I do n't owe in court ). The manager then hung up in my face. I sent a request in writing for proof that I owed Conserve and received a bill for XXXX not anything with my signature confirming I owe Conserve! They just placed this debt on my credit without giving me the opportunity to defend myself nor do they have proof to that their reporting is legal in accordance to FCRA rules. Since they do n't have my signature showing I owe them please delete it from all reporting agencies.
|
| 08/27/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Disputed Debt that is paid in full and has been for over 13 years. I paid in full in XX/XX/XXXX the amount due of {$58000.00} which is noted and reflected in the US Department of Educations own financial records which I have copies of. Since then they have stolen my federal Tax returned declaring right of offset to the sum of over {$9800.00}, and yet ConServe continues to threaten Wage Garnishment which has been tried over 5 times in the past 13 years never once being successful because NO DEBT IS OWED. Account Number : XXXX ; Debt Number : XXXX, XXXX. Under the rights of the Fair Debt Collection act I am disputing the debt as it does not appear on any of my Credit Burrow files from XXXX, XXXX, or XXXX. I currently hold a XXXX XXXX XXXX, and my current mortgage on my home is an FHA backed mortgage. The only company who seems to believe I owe this money is ConServe and I am demanding that they cease all collection efforts and stop harassing me. I was called on XX/XX/XXXX at XXXX and the lady on the phone who would not give me her name marked the collection as disputed. On XX/XX/XXXX my lawyers at XXXX XXXX XXXX responded to a letter post marked XX/XX/XXXX. Under the Fair Debt Collection Practices Act where ConServe & the US Department of Education finally produced a forged part of what appears to be a fictitious promissory note that clearly says pages 1 of 3, but pages 2 of 3, 3 of 3 were not provided. There is no indication in the copy they provided, of the terms of repayment, the amount borrowed, and many other significant terms of valid loan agreement. I have requested numerous time for an accounting of the payments, I have made on these loans - both to the department of education and the various loan servicing companies- and no account has ever been provided. I have paid these loans in full 14 years ago this XXXX.
|
| 01/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is being sent to you in response to a notice sent to me on XX/XX/20. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 04/24/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Accepted a student loan for the spring of XXXX on XXXX XXXX XXXX . All but {$90.00} went towards paying tuition at XXXX XXXX XXXX XXXX . On XXXX XXXX I withdrew from classes, and moved back to XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in XXXX XXXX stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called XXXX and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In XXXX XXXX , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in XXXX XXXX and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in XXXX , and subsequent calls to the XXXX XXXX XXXX did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in XXXX XXXX despite me making a timely payment. So I sent another XXXX . I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on XX/XX/XXXX , and they said they are still reviewing the information, and I should hear back in a week.
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I responded to a letter, dated XX/XX/2019, that I received at my address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The letter stated that I am responsible for a debt that no longer belongs to me.
Timeline : XX/XX/2019 - A letter was sent to my employer stating that my wages were to be garnished. Please note that I was not informed of this garnishment by either the creditor or employer until XX/XX/2019.
XX/XX/2019 -I called ConServe, the debt collector, to dispute the debt. I spoke with a representative ( XXXX ) at XXXX. XXXX flagged the account as a verbal dispute and informed me he was sending paperwork to dispute in writing within the 30 days. XXXX requested that I call back on the XXXX if the paperwork didnt make it to my address. He stated that it could take up to a month to receive.
XX/XX/2019 ( 11 days after my call ) - I received a notice from my employer that my wages were to be garnished. I called ConServe to discuss the matter and spoke with a representative by the name of XXXX. XXXX informed me that the dispute paperwork was sent to the wrong address. An address that I have never lived at. Since the letter was never returned, they assumed I received the letter and choose not to dispute. After some discussion and questions, I asked to speak to a manager for more clarification. I spoke with XXXX XXXX and she said I could call the garnishment department the following day.
XX/XX/2019 - I spoke with a gentleman from the garnishment department by the name of XXXX. XXXX recognized the clerical error as well, but said there was nothing he could do. When I asked how they received my XXXX XXXX XXXX XXXX address in the first place, he didnt have a clear answer other than the Post Office gave it.
I was never given my due process of 30 days from the original letter dated the XXXX of XXXX.
|
| 02/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )
|
| 02/08/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month.
Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX.
It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX, and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing.
The original debt amount shows {$220.00}.
Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}.
Conserve is not licensed to collect said debt in the state of Florida.
|
| 06/22/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also read the attached letter and review all of the violations by your company
|
| 06/21/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!
|
| 12/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I called ConServe to pay a loan I currently have in default with recent spike in discretionary income I 've received. The person I spoke with informed me that the call could be recorded and it was an attempt to collect a debt. I let them know I wanted to make a hundred dollar payment. Following the successful entering of my payment information over the phone I asked for my balance. The informed me it was upwards of {$1800.00}. I asked what fees did they add when they received the loan from XXXX. The person on the phone said {$28.00}. I informed her that before XXXX sent my loan to collections the balance was {$1100.00}. She told me that the interest accrual was 5 % a day. I ended the phone call and immediately called the Consumer Finance Protection Bureau hotline to inquire whether those actions were lawful. The person I spoke with informed me that they could n't dispense legal advice but that the interest on a perkins loan was fixed at 5 %. I asked what I should do if I were looking to file a dispute. The representative informed me to contact the company and have them send me their policy in writing. I ended the call and called ConServe back and asked to be sent the policy. The woman I spoke with became very irate and aggressive, and almost shouting said they had no policy and that the interest and extra fees tacked onto the remaining balance were set by the University XXXX Georgia. I have no idea who to believe and need clarification as to where over {$700.00} in fees came from and whether or not this addition to the principal was lawful before I pay so much as a dime to an independent loan servicer.
|
| 09/29/2017 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
Conserve is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month.
After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted Conserve and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status.
Not only have I reached out to Conserve regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself.
This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : 1. XXXX -- - XXXX XX/XX/XXXX {$25.00} 2. XXXX -- - XXXX XX/XX/XXXX {$25.00} 3. XXXX -- XXXX XX/XX/XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
|
| 01/29/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.
|
| 04/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/XXXX, XXXX XXXX in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why XXXX XXXX let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name.
On XX/XX/XXXX, I received a letter from Treasury Dept stating that I owed the US government {$120000.00}. I talked Treasury Dept over the phone and explained it. Treasury Dept did not try to find out the truth. Instead, Treasury Dept sent the debt to XXXX XXXX XXXX, aka ConServe. On XX/XX/XXXX, ConServe sent me a collection letter and asked me to pay {$120000.00}. I wrote to ConServe to dispute the collection and request a copy of Proof of Debt. ConServe confirmed receipt of my dispute and request over the phone. I have not heard from ConServe for more than half year since I disputed the collection, nor have I received a copy of Proof of Debt. ConServe can not practise business in such a bad manner!
|
| 10/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi, In regards to our phone conversation I am emailing to dispute the unfair collection of {$1400.00} from me by XXXX XXXX college through XXXX XXXX XXXX.
In my defense, I asked XXXX online chat assistant to help me with information about available courses for a XXXX program through XXXX XXXX College XXXX XXXX. Later that day the system was not working ( their online registration link ). I tried to register and was unsuccessful then I called XXXX help desk and found a lady who offered to assist me.
In the process of registration she disclosed to me that it would be expensive to take just courses if I was not going to complete XXXX XXXX program. This prompted me to WITHDRAW all the courses she helped me register for during the phone conversation ( someone yesterday on call told me that he was able to see that I withdrew from the courses ) You can see attached Pdf too shows that courses were dropped.
Further, XXXX has claimed to be sending me emails and mails in regards to this courses of which I never received any information from OCC via email or mail or phone. I am not a student at XXXX.
I think this is unfair treatment by the XXXX college to force me to pay for classes I have never attended and a school I have never been a student at! The online customer service from XXXX should deceist from creating prospective students account numbers and registering them on courses against their wish.
I will appreciate your help.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
| 11/09/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.
During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018.
I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports.
As soon as I became aware of the balance I contacted XXXX University closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that CONSERVE NET is willing to work with me on erasing this mark from my credit reports.
Your kind consideration in this matter is greatly appreciated.
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I talked to XXXX XXXX and XXXX XXXX about a debt they claimed I owed to XXXX XXXX XXXX.
I did not know I can dispute debts with XXXX, and when the collections Agency called they didn't ask to verify that the debt was mines they just assumed that the debt was mines.
I paid the debt because I had no idea how collections worked and how much of a deceptive business it is.
On the phone, the collections agency agreed that if I pay this {$260.00} amount, I would be able to open an account with XXXX again and the agency agreed that I would have my charge off removed from my account.
I paid the {$260.00} and called the collection agency for months before they actually made any updates on the charge off.
When they made remarks to my credit report, they didn't even report the balance as fully paid and so I called them again to fix it.
The agency finally decided to reflect a balance of {$0.00} left on my charge off, but the agency never removed my charge off from my credit report. The agency also did not tell XXXX that I paid an extra {$40.00} to unban my XXXX account. The agency just kept the money and I had lost access to the only credit union account that I ever had.
This charge off from a XXXX XXXX made it where whenever I applied for any credit union banking accounts, I was immediately denied.
These collection agencies are allowed to perform practices which are very deceptive and just downright lie with confidence.
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Since 2022 I have attempted to dispute a debt with the XXXX XXXX XXXX XXXX XXXX XXXX ). My dispute claims have gone unanswered. XXXX has no sent me to a collection agency, XXXX XXXX XXXX XXXX. XXXX has also sent notice to the State of Alaska to have my PFD withheld. This is in all in addition to reporting this disputed debt on my personal credit reports. When I received a phone call from Conserve identifying they had received the account from XXXX as a debt for collection I informed them it was in open dispute with XXXX directly. I also asked for the address to send them a copy of the dispute as well as written dispute specifically regarding the collection activity. They refused stating they had already sent me a letter. I was driving my car and could not take their phone number down. The number was masked on my caller ID as well. I explained this and was still denied any assistance to be given contact information for later to send in my dispute on the debt. Additionally, XXXX has been nonresponsive to my dispute. I have finally reached out to the XXXX of XXXX directly for assistance. The origination of the issue is explained in the supporting attachments. XXXX has ignored my dispute, enabled by Conserve. They have continually upped the collection actives rather than answering the original complaint. Conserve has failed to acknowledge my dispute status or provide reasonable avenues to properly dispute the account.
|
| 02/07/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.
|
| 04/05/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks
|
| 10/01/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To whom it may concern, I am not connected to this debt with Conserve. I have attempted sending several disputes asking for Request for VALIDATION, NOT Verification mutiple times through certfied mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, and recently again on XX/XX/XXXX. I sent these disputes to all three credit bureas and Conserve collection agency. Conserve will not reply to my letter directly but when calling the credit Bureas I am told that Conserve responded to their own inquiry saying this date is mine by using my CURRENT Address and name.
My address and name should not be the only proof that shoud be used to connected to a debt. After disputing for the last three months I never got a response from them which is against the fair credit reporting act. My dispute said the following : " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. " I again recieved no response unless I call the credit bureaus asking why isnt this file in dispute and why is it still on my report if they are not responding to my letters.
|
| 07/31/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Morning or Afternoon, Please see the attachment! - My name is XXXX, and for the last 6 months, I been trying to resolve a student loan collection of {$2400.00} with ConServe, a debt collection agency on behalf of XXXX XXXX. I finally got hold of someone like 90 days ago and resolved the account and paid off the entire balance. I was told by several representatives that once that payment clears, and I should give the company up to 30 days and they should be able to demand the credit bureaus to PERMANENTLY DELETE THE TRADELINE FROM MY CREDIT REPORT. I was actually shocked when I reviewed my credit report and found that it still reports as such. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a immediate deletion of this account from my credit report. Also, look at the DATE OF LAST PAYMENT, the account status and payment status hasn't been even updated. Please deleted as promised
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had withdrawn from XXXX XXXX XXXX before beginning my first set of classes for medical reasons. I disclosed this to the school and they successfully withdrew me. I had already received a few books and attempted to return them. They rejected the return multiple times and charged me over {$600.00} for these few books! Next thing I knew I was receiving calls and letters from Conserve attempting to collect this debt and charging me over {$800.00}, which is more than the actual balance! Then, without validating, they reported to the credit bureaus! I sent three certified letters requesting validation ( XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received responses in XXXX and XXXX to the XXXX and XXXX letters. These letters did NOT validate, did not provide ALL that I requested, NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. They reported to the bureaus before responding to my request for validation and are collecting an inaccurate amount, therefore not only inaccurately reporting they are FRAUDULENTLY reporting this debt to all three bureaus! I've now sent a fourth certified letter ( XX/XX/XXXX ) requesting deletion. I have yet to receive a response or deletion on my credit report from this final letter, nor the XXXX letter that I sent.
|
| 08/12/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.
|
| 04/30/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
Conserve debt collection agency set me up on a payment plan to get my student loans out of default. I had to make 11 consecutive payments, then my account would be sent to a company and would be in good standing again.
I gave Conserve authorization to do automatic debts from my checking account. They took it out twice a month on my pay days. On the last month they didnt take my payment. I contacted them and they stated I called and told them not to contact me anymore. That was a complete and utter lie! I was then told I had to start all over again and make eleven more payments to get out of default.
I contacted the Department of Education and filed a complaint. I was told I would receive a response in the mail. I never received the response and was told they denied my claim.
The fact that they must get paid for the money they bring into the Department of Education, is the reason they didnt accept my last payment. I want to be able to pay my loans off, but dont feel safe paying Conserve. I asked for another company to work with and was denied. Now my teacher salary is being garnished and Im being told I have to pay Conserve as well the garnishment from The Department of Education. I cant live like this and need assistance.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX {$2200.00} Creditor XXXX : XXXX XXXX XXXX {$150.00} Creditor XXXX : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
|
| 01/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
1. Conserve collection agency alleged I owe {$5900.00}, this information is inaccurate and not validated.
2. Conserve Collection Agency fail to contact me about alleged debt before reporting the debt on my credit file with the 3 major credit bureaus ( XXXX, XXXX and XXXX ).
3. Conserve Collection Agency failed to respond to my validation request letter within 30 days of receiving it. Return receipt and certified mail received and signed by conserve collection on XX/XX/XXXX. Under both State and Federal consumer law I have the right to have my debt validated, while CONSERVE Collection is obligated to respond within the statutory time limit.
4. I sent a follow up debt validation letter on XX/XX/XXXX, as a reminder to Conserve Collection Agency with no reply as of date.
5. CONSERVE COLLECTION AGENCY reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX and XXXX ) this action might constitute fraud under both Federal and State Laws.
6. Conserve Collection Agency is legally obligated not to report a debt that has not been properly validated to any of the credit bureaus.
7. Conserve Collection requested for copies of my credit report file from the credit bureaus without my consent or permission.
|
| 08/17/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Today, XX/XX/2018, i received a call at XXXX from the phone number XXXX. I was scheduled to get a call at noon from XXXX XXXX XXXX regarding a service issue I have been having and the same lady i spoke to yesterday about the issue was to call back. The same lady with the same name called and informed me that she was calling back to discuss the issue as scheduled, and says but before we start, I have a personal business matter to discuss, can I get the last four of you social security number?, assuming my att account needed to be re accessed to start the process i gave the number. She immediately proceeded to disclose that she was with a different company, the company associated with that phone number ( ConServ? ), and stated that this is an attempt to collect a debt from XX/XX/XXXX for the amount of ... i hung up the phone because This unacceptable behavior. An associate at XXXX XXXX XXXX is imposing as a customer service agent and using this as a lure to retrieve personal information of a customer to broker a collection. I can not confidently be a customer if XXXX XXXX XXXX any longer, and this deceiving strategy to collect does not make me comfortable giving any further information to settle said collections.
|
| 05/20/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I received a letter via USPS from a debt collector, Conserve. I was unaware I owed my community college any money, so I contacted Conserve XX/XX/XXXX to immediately get on a payment plan to avoid anything getting reported on my credit. They assured me over the phone I would avoid any negative marks on my credit if I set up a payment plan. They refused to provide me anything in writing. I paid XXXX dollars on XX/XX/2021. On the XXXX, I paid an additional XXXX. On the XXXX another XXXX, XX/XX/XXXX another XXXX. On XX/XX/XXXX I received notice that a collections account was reported to the credit bureaus. Not only was a collections account from conserve reported, but the entire amount of the debt was reported UNPAID. As if I had never paid them anything. I paid the debt collector as promised on time, compliant with our payment plan. I called conserve on XX/XX/XXXX and they told me payment plans dont mean anything and they wouldnt help me resolve the problem. In result I ended my payment plan with Conserve because I no longer trust the company. Ive paid them nearly {$300.00} dollars and in return theyve reported to credit agencies that Ive paid them nothing and the account is UNPAID.
|
| 04/25/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
The collection com pany Conserv curre ntly h olds my Federal Student Loan. I spoke with a representative from the company on Friday XXXX XXXX to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not eligible for. I was misled into a monthly payment arrangement that would have only given Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my requests with no resolutions.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect.
I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency.
I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR.
The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine.
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT.
was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this.
I am tired of this harassment and plan to seek out legal assistance to resolve this matter.
XXXX XXXX
|
| 10/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Conserve collection agency is wrongfully reporting a collection on my credit report and it is affecting my credit score drastically.
I received NO written letters via mail or email about the pursuant of this debt and I do not believe this debt belongs to me at all. While I do recognize the original creditor I have no recollection of having received any loans from them.
ConServe collection agency has never contacted me to inform me of this debt, so I was not aware of it until it showed up on my credit report also, with no notification.
A debt validation letter was sent, requesting verification of the debt, including information about the original creditor, to which no response has been given.
ConServe has violated many laws of the Fair Credit Reporting Act including ; 15 USC 1692f Sec. 807 ( 11 ) - states that I have the right to be informed of an attempted debt collection.
15USC 1692H- Sec . 809 " Validation of Debt '' states that a collector must be able to validate the debt by providing information about the original creditor.
Sec. 809 also states that a collector must report that the account is in dispute upon receival of a debt validation letter.
None of which has been done.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The exact date is no longer listed on the debt. It says 8 months ago with a XX/XX/23 update. The amount exceeds the actual withdrawal made at the bank. I was issued a cashiers check and the check was verified by the teller. There was an available balance of approximately {$280.00} at the time of the presented check and there was a cashback with the deposit of no more than {$1000.00} or so. The deposit slip for the transaction was stolen and the second copy was deleted from the home computer. The person who picked up the phone from the desk at the bank was supposed to assist with fraud investigation and repayment options, and instead blocked the atm card so no deposits could be made for the actual cash back amount which was taken at the time of the deposit. There was then a collection sent to the credit bureaus for the total amount of the cashier 's check without the deduction of my available balance and without considering that no additional withdrawals were made against those funds. The total amount of the check showed up as a negative the next day and the bank said they couldn't find my transaction after that. They also entered it as though I had been the person who wrote the check.
|
| 04/09/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
My loan is in default and a debt collection agency named Conserve took over the account. They added a XXXX wage attachment to my payroll check, and each year my federal and state tax is offset and is applied to the student loan. So far, conserve has collected XXXX, for the defaulted student loan. They agreed to put me in a rehabilitation program by allowing me to make 9 voluntarily payments of {$69.00}. After I made the 9 payments they told me I needed to pay {$91.00} instead. I was perplexed, because they took the payments out of my credit card with my permission and they are receiving {$380.00} a month out of my pay check. So now they have not allowed me to get into the rehabilitation program after they broke our contract. I called Higher Education in XXXX. and they explained that my account is now with the debt collection agency Conserve and they can not help me. Also I borrowed {$16000.00}, of XXXX Loans and paid back {$15000.00}, and Conserve is telling me I still owe them {$19000.00}. How can I owe back {$34000.00} off of a XXXX Loan for {$16000.00}. Please help me with this matter I think I am being over charged and defrauded by the debt collection agency Conserve.
|
| 03/21/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir or Madam, Please accept this as my formal complaint that ConServe lied, in their attempt to settle my accounts. On XX/XX/2018 at XXXX I spoke to a lady at ConServe. When speaking to ConServe, she misrepresented which accounts would be taken care of with my payment. She stated that my payment of {$620.00} would settle all 3 debts ( 2 for XXXX XXXX XXXX and 1 for XXXX XXXX College ). She specifically used the terms " released and forgiven '' when referring to all 3 accounts if I made the payment. If I had known that it would not have forgiven all 3 debt accounts, I would have made other arrangements to secure their release.
It should be made clear that I was fraudulently told that my payment would satisfy all 3 debt accounts. As of today, a different agency is now calling for the XXXX XXXX XXXX University accounts and I am being informed that payment has not been made.
It should not be legal for ConServe to misrepresent their ability to settle on behalf of their client ( the schools ) in order to obtain some of the money that is owed. I was willing to come to some form of agreement and was given the impression that I was settling all the accounts.
XXXX XXXX
|
| 08/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have sent numerous requests for account transactions because the home was sold and the account was not closed out for extended time incurring interest in error. Have sent Disputes to the USDA servicing center, US Dept of Treasury, and 2 different collection agencies with no response or resolve. Additional administrative fees were then added with no communication. Federal tax refunds have been offset for 3 years and no balance changes are reflected on collections or my credit report. I have sent a dispute and documentation 3 times this year to the collection agency and the fiscal treasury office and have not received any correspondence other than the auto receipt email. I have proposed a payoff in each dispute. My credit continues to suffer because I can't get anyone to listen to my concern, my calculations, or payoff offer. I have contacted attorneys, state politicians, consumer credit counseling, and the creditor and the only response from the third parties is that I have no option or support when it comes to communicating with the federal government. I just have to sit back and allow them to do what they are going to do because my voice doesn't matter.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I initially found out that I had a debt that went to collections after it had already ended up on my credit report. I immediately looked up the phone number to Conserve and contacted them when I saw it listed on there. I also paid this debt immediately. My husband and I asked them why I had not received any communication about this debt and their response was that they werent ever able to get ahold of me and they arent allowed to leave a voicemail ( company policy based on a law about being leaving information about debt on a voicemail ). It would have been appropriate to AT LEAST leave a voicemail to request a call back. I would have also appreciated a notice in the mail, but I never received anything in the mail. I was given an address over the phone that was several years outdated. It is unfair to me that I was NEVER made aware of this debt and wasnt allowed the opportunity to pay it immediately when notified of it. I work for a XXXX XXXX, so I do not answer phone calls from unknown numbers. However, I will call them back if they leave a voicemail and I know that theyre legit. This is unfair practice and I want Conserve to be investigated.
|
| 05/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went to a class at XXXX XXXX XXXX Florida for as little as two weeks before dropping the class, I couldn't make the class because of work schedule changes. There was apparently an amount for a STUDENT ID that I needed to pay that I never was notified about for some reason. I then got a notification that I had a collection on my account, I contacted them immediately and was notified that once I pay the debt it would be removed from my account. I have filed a dispute with XXXX ( who is the ONLY creditor reporting it ) and the company " Conserve, XXXX XXXX XXXX, XXXX, NY XXXX '' filed to collect the debt will not remove as I was told on the phone.
This is ridiculous that I don't even attend a college for a full semester, don't take a full class, never received mail, and now have a collection I was told was going to be removed that is affecting my finances over a student ID card that somehow amounted to {$210.00}!? Not only bad practices by a state University putting collections on, as I read online happens a lot with them, multiple students records over a Student ID card. Horrible, I can't imagine how many other students this has effected.
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I owed {$150.00} to a school ( XXXX XXXX ) I attended. I paid the amount ( {$150.00} ) to my school. However, the debt was incorrectly given to a debt collection agency ( XXXX ). The debt was first reported as {$53.00} for the first 5 months of it being on my credit report, which was incorrect. Then, it was updated to {$150.00} for the last 2 months of it being on my credit report. I contacted my school to confirm this debt ( {$150.00} ) was paid in full directly to them, and that it was mistakenly handed off to a collection agency. The debt has been reflected as paid in full on my credit report. However, I have never interacted with the collections agency and it was paid prior to going to the collections agency. This incorrect submission on my credit report is in violation of the following FCRA statutes : no correct date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
|
| 02/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately.
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer.
3 ) I demand all settlement offers be send through the US Postal Service or to my email address stipulated in the CFPB complaint.
Please adhere to my request under my right with the Fair Debt Collection Practices Act.
XXXX XXXX
|
| 03/12/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have reached out multiple times to ConServe to ask for information surrounding this account, as the information they have is mistaken. Not only has ConServe not provided this information in full, but they have also failed to substantially respond to errors in the information they have provided as to why this debt in this amount is valid to me.
Currently, ConServe has indicated that I owe {$780.00} for a registration fee of XXXX of {$620.00}, a registration fee of {$510.00} for XXXX, and 3 late fees totaling {$45.00}. However, records show that I dropped the classes on XX/XX/XXXX. According to XXXX 's reimbursement policy, the last day to drop classes with 80 % drop of charges is XX/XX/XXXX. The charges ConServe claims that I owe do not reflect 20 % of either classes ' registration fees- which would result in a {$220.00} charge, before late fees. Further, XXXX 's policy is to charge a late fee for each late payment. The records sent to me indicate I owe 3 late fees though there are only 2 payments due on the account.
I last reached out to ConServe on XX/XX/XXXX regarding this issue and have received no repsonse.
|
| 08/15/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Older American |
|
Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.
|
| 06/12/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
on XXXX / XXXX / 2017 I called ConServe about getting my delinquent school loans in a repayment plan. I asked questions about garnishments and taking my taxes because the loans were quite behind. I spoke to a XXXX and told her I had n't filed my taxes yet this year and I did n't want to have to worry about a garnishment. She said not to worry, I had no garnishment on file yet, and that my taxes would be fine until I got into a repayment plan with them. Then for the next 9 months my tax returns could be taken. I agreed to that and entered a payment arrangement with them on XXXX / XXXX / 2017 . I filed my taxes prior to XXXX / XXXX / 2017 and received a letter from the dept of treasury letting me know my taxes were taken and applied towards my school loans. I was misled by XXXX of ConServe as she told me this would n't be an issue. I called ConServe to get this resolved and spoke to a manager who said he could n't do a thing, they were already taken and I would have to call the dept of education. This is a violation of the FDCPA, as I feel I was intentionally misled in order to set up a payment plan.
|
| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I woke up this morning and noticed XXXX removed CONSERVE collections from my credit report which is admission to liability so in fact they were TOGETHER in undermining my confidence and ruined my eligibility to an FAIR AND ACCURATE CREDIT HISTORY in ALL OF THE PARTYS ABOVE IS IN VIOLATION of CONSUMER RIGHTS by removing the false and deceptive information. XXXX XXXX XXXX ALSO basically admitted to selling the debt to a collection company which is against FEDERAL LAW FINANCIAL INSTITUTIONS CAN NOT EXTEND CREDIT OR GIVE 3rd PARTIES PRIVATE CONSUMER SERVICES NFORMATION THIS IS A VIOLATION OF CONSUMER PRIVACY UNDER U.S.C. I DEMAND REMEDY FOR THE VIOLATIONS COMMITTED AGAINST A FEDERALLY PROTECTED CONSUMER. I DEMAND {$1000.00} per violation or will go public with LAWSUIT. INVOICE IMMEDIATELY.
** VIOLATIONS ** 15 USC 1692c ( b ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 1 ) 15 USC 1692e ) 2 ) 15 USC 1692e ( 2 ) ( 10 ) 15 USC 1692e ( 2 ) ( 14 ) 15 USC 1692 ( f ) ( 1 ) 15 USC 1692g ( c ) 15 USC 1692 ( h ) 15 USC 1692j ( a ) 15 USC 1692j ( b ) 15 USC 1692k ( a ) 15 USC 1692k ( 2 ) ( a ) 15 USC 1692i ( c ) 18 USC 1006
|
| 11/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am filing this grievance as Ive exhausted communication attempt with ConServe. I created an account to monitor my credit and was alerted to a collection from ConServe that I had no knowledge of as Id received no communcaiton attempts via USPS mail or phone call ( s ). Due to this, did not obtain the full statutory period that would have allowed me to dispute the validity of the debt in question as I did not receive any initial notification regarding the debt prior to the update with the bureaus. Being a Veteran, the GI Bill should have addressed any debts in question for said balance. However, in my haste due to the collection alert, I reached out to ConServe and made the payment with the intent and understanding the collection would be removed from XXXX, XXXX and XXXX on XX/XX/2022 in the amount of {$3700.00} ( account number XXXX ). However, ConServe only updated the bureaus to paid status and did not delete their collection record, which was the agreement. I would like this collection removed from my credit profile post-haste with the bureaus due to erroneous & misleading collection practices.
|
| 04/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
It is my debt, I tried making arrangements to keep it from my credit report but was advised that if I could not pay the debt in full by a certain date it would be reported to my credit report. I am currently making XXXX payments a month.
I checked my credit report, and it shows this collections agency has reported the same derogatory remarks 4 times in one month. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX.
I called today XX/XX/XXXX @ XXXX EST spoke with the representative, I did ask her if it was illegal to such reporting. She started that I would need to speak with an attorney or get help from an outside entity. She started they report weekly to the credit bureaus. I have worked hard to get my credit score to where I'm able to get credit. I owe the money. I'm trying. I did tell her in the beginning I worked hard at getting my credit score up, and please do not send it to my credit report. She advised that I should try to get a personal or school loan to pay off the balance or its going to be sent to my credit report. If they have to report it, please only once a month.
|
| 07/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Conserve XX/XX/2018 Account placed for XXXX in collections from original creditor XXXX University on XX/XX/2018. I have spoken with representatives from both XXXX and Conserve and disputed the charges.
I was in a XXXX program where supervision is supposed to be given to us even as an online university. I was unable to receive adequate supervision for my program and I had to pay out of pocket which was not in the original contract upon attending the university. I experienced unethical events with the approved staff from this university and unfortunately had to transfer school because I could not continue the program with supervision for the XXXX program track. I completed my required courses and the rest of my student loan was returned. I don't find what I owe a balance for. On top of the tuition increase in the middle of a semester with no prior knowledge in also unethical and unprofessional for current students.
I have an ongoing investigation with my federal student loans to reverse the loans entirely and sue the school and I don't feel I owe this debt either.
|
| 11/10/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.
|
| 09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I saw a collection on my credit report by Conserve. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus.
Trying to select ConServe is says do not use.. The company I am is ConServe aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX sent my balance to collections. XXXX XXXX was supposed to cover the cost of that semester through the GI bill. I cant control what, when amd how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.
I spoke with a rep today and was informed that they the collections even though I am paying the school directly. Then what is the point of a collections agency if I am paying the school directly. The rep also OPENLY ADMITTED that they did not received anything from the school other than the INCORRECT balance owed. No info about my XXXX staus, no info on my contract with veteran affairs not info on my financial hardship. im paying the school 2-3 per month. CONSERVE needs to be removed they serve no purpose other than aggravation
|
| 01/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.
|
| 04/25/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
My son 's student loans were referred by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) toXXXX Services of XXXX, New York for collection. I wrote ConServe on XXXX/XXXX/XX/XX/XXXX requesting copies for balance sheets for the XXXX loans, showing how the payments I had made for several years had been credited. On XXXX/XXXX/XX/XX/XXXX, they responded with statements of the totals owed for the XXXX laons, but not the breakdown of payments that I had made. I wrote them on XXXX/XXXXXX/XX/XXXX again requesting balance sheets for each loan, so I could ascertain how the payments that I made had been applied. I received no response from them. On XXXX/XXXX/XX/XX/XXXX my son receioved notification that his federal tax refund of over {$1000.00} had been offset at the request of XXXX. On XXXX he received notification that the same XXXX loansad been referred to XXXX XXXX XXXX for collection. I wrote XXXX on XXXX/XXXX/XX/XX/XXXX disputing the debt, and requesting the same information that I previously requester from ConServe.
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ConServe Accounts Receivable Management is reporting an account to consumer reporting agencies and in doing so they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Conserve debt collection agency appeared on my credit report, reporting a balance of {$4200.00} that is allegedly owed to XXXX University. I disputed the account with the XXXX major credit bureaus and received a letter from Conserve, as notice of completion of their investigation and determination of verification of the alleged debt.
The letter includes a financial statement that lists the charges and payments that the University allegedly imposed and collected. It also lists a charges total of {$10000.00} and a payments total of {$10000.00} and a balance of {$0.00} ; also included in the letter is an admission and enrollment agreement.
The letter does not validate the accuracy of the alleged account or the amount of the alleged debt. The financial statement shows there are inaccuracies in accounting and the alleged account 's financial statement does not show transactions that would validate the alleged date, nor does it provided any information that would validate the alleged amount of debt.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I obtained a loan from the Small Business Administration ( SBA ) on XX/XX/XXXX for the quantity of {$25000.00}. The monthly payment amount was {$93.00}.
Covid hit and I was unable to make payments on the loan due to economic difficulties. On XXXX XXXX, I reinstated my loan payments.
Nonetheless, the US Department of the Treasury, Bureau of the Fiscal Service referred my small business administration account to the collect company called Conserve for collections.
Two weeks ago I contacted Conserve and informed them that I was going to make the payments, but I needed a payment plan.
I must mention that since XX/XX/XXXX the US Department of the Treasury, Bureau of the Fiscal Service is debiting from my Social Security the amount of {$100.00}.
Nonetheless, Conserve is continuing harassing me and telling me that they are going to be suing me for the amount owed, and they also increase the amount of the loan ( $ XXXX increase ).
I need CFPB assistance in order to resolve this situation.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX charged me for my federal student loans for one semester. I failed the classes so I decided to drop out of my XXXX and continue at a later time. XXXX ignored my request to drop before the due dates. I text message chain to show when I asked to be dropped. So now I have student loans for the failed classes as well as the classes I requested to drop. Understanding I owe the money on the classes I failed, I have them as a student loan debt. They then try to tell me that I owe the school on top of the federal loans for the class I failed, and then added on top of that for not dropping in time. They sent those claims to collections with ConServe. My Federal Student loans are currently frozen under the coronavirus relief, but the school is wrongfully billing me on top of charging student loans and making money off that. ConServe received all documented proof and is still attaching to my credit report. Its clearly fraud and a mess up with the billing department.
|
| 12/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After checking my credit report on XX/XX/XXXX I noticed that there was an open collection with Conserve that was reported sinceXX/XX/XXXX. I 've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act.
Withholding Notices You are entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices
|
| 09/05/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I intend the dispute this account : CONSERVE : {$3700.00} Account # : XXXX I reached out to XXXX XXXX College as well as the conserve collection institution for sending an invoice for {$3700.00} several months after dropping the college courses. I did not receive the college education and dropped the courses.
No invoice or payment notification was mailed to my address Prior to sending to collections.
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
|
| 02/17/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education.
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan.
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc.
Apparently Conserve has me confused with another individual, as I never applied for a student loan.
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary.
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.
|
| 02/04/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX college sent me to collection with conserve for {$890.00}. Then they add their fee on that. They are saying it was for financial aid. I made too much money to qualify for any financial aid or pell grant. I was only able to take out sub and unsub loans through student loans using my SSN. I ended up dropping out of classes but My student loans are currently through XXXX and are on deferment. So I am trying to figure out how they are trying to make me pay back money that im already paying back anyway which is my student loans that are in deferment. I called conserve and they said they couldn't remove it from my report and that they have to dew what XXXX college tells them. So I emailed the business office at XXXX to ask about the debit and maybe settling on it if I actually infarct owe it and they said I would have to discuss settlements and payment with conserve. So I am being drug around in circles and its very frustrating.
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Complaint ID # XXXX ConServe responded to my initial complaint .stating their records do not reflect any previous telephone communications directly between you and any of its representatives. And a cease and desist has been noted by Conserve and I will receive no further communication from them. With that being said.
I am fallowing up to make sure all negative reporting are removed from the credit report in question.
According to FDCPA unfair and DECEPTIVE PRACTICES ARE A VIOLATION OF THE CONSUMER RIGHTS AND MUST BE REMOVED. AND DAMAGES ASSESSED ACCORDING TO CONGRESS.
Also, Parties may be considered volunteers if, in making a payment, they have no interest of their own or protect, they act without any obligation, legal or moral and they act without being requested to do so by the person liable on the alleged original obligationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Acct # XXXX **** ConServe claims I owe a debt of {$3000.00}. This claim is fraudulent and inaccurate, and it is being formally disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Be aware that I am making a final goodwill attempt to have you clear up this matter.
|
| 02/27/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Web |
|
|
In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.
|
| 04/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was with XXXX XXXX XXXX XXXX I left in good standings and my ex wife didnt which they made me pay on her bill illegally. I am total XXXX XXXX XXXX XXXX XXXX which they took advantage of my situation. The person at XXXX XXXX XXXXXXXX XXXX of XXXX XXXX XXXX He called them and set up for me to make payments on XXXX $ I dont owe. The dept collection for XXXX XXXX is Conserve dept collectors Which it messed my Credit card up right now as they investigate XXXX days XXXX XXXX said this would help my credit, and on a recorded line he said I will call when I get home explaining about my wife and I just wan na do the right thing thats a lie Why? Because I would never pay someone bill when I only get low income.
Conserve took my card off but I made a {$89.00} and a {$100.00} payment already FRAUD is what it is I want to sue them for my damages and whatever else come with it XXXX XXXX if unavailable leave message
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX, and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA.
However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.
|
| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX XXXX XXXX XXXX XXXX Conserve XXXX XXXX XXXX Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
|
| 05/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX I contacted via telephone company ConServe, a Debt Collection Agency located in XXXX, New York that I did not owe a debt to the US Postal Service. ConServe has also " reported '' this information to all 3 Credit Bureaus and the US Treasury Department ( IRS ) to take any " tax refund ''. I explained that I had information that the Judicial Officer of the US Postal Service, Chief Administrative Law Judge XXXX XXXX ruled " twice '' in the year XXXX that I " DO NOT '' owe the US Postal Service.
On XX/XX/XXXX I was told by ConServe employee that once the information is received by fax they would investigate. To date ( XX/XX/XXXX ) the deragotory information is still on my credit report and ConServe still calls my cell phone number. I need the information deleted from all three ( 3 ) Credit Bureaus and from the US Department of Treasury for the IRS to take my tax refund.
|
| 01/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.
|
| 10/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a correspondence dated XX/XX/XXXX from Continental Service Group attempting to collect a debt in the amount of {$1700.00}. I immediately responded with my own correspondence disputing this alleged debt due to the fact that I had never been notified prior to the correspondence dated XX/XX/XXXXXXXX that was previously mentioned. In my letter I requested verification of the alleged debt. I received a reply correspondence that did not verify any debt at all, but only claimed that this alleged debt was placed with their office on XX/XX/XXXXXXXX ; that's almost three years ago. Another question I would have is why was I never contacted in nearly three years? I had no prior knowledge of this alleged debt up until the recent correspondence I received dated XX/XX/XXXX. This appears to be a form of gross negligence on the part of staff at Continental Service Group.
|
| 09/01/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.
|
| 08/08/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I am currently being garnished by an organization that says they represent the DOE ( dept of ed ). They have taken over {$3000.00}, but have not given ANY of it to the DOE. I ca n't get anyone to verify the actual amount of the debt so we can pay it off and no one at the DOE will speak to me. ( they said we need to deal with the servicing agency ) ( Comserve ) I am willing to pay it off IF I could get a definitive answer as to the amount of debt. No one will give me any paperwork from Comserve ( they say by MD law they do n't have to ) NO one will talk to me at the DOE, they say we need to deal with the agency. Can you help me get an answer from the DOE? I would like to talk to you in person if possible, but an email/ letter with a point of contact at the DOE is really all I am asking for. Thank you in advance for any help you can provide.
Respectfully, XXXX XXXX
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX.
Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone.
Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
|
| 09/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved.
The documents submitted are at best inaccurate and at worse, fraudulent.
|
| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, ConServe, the debt Collectors for XXXX XXXX XXXX XXXX ( XXXX ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my XXXX checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed.
I contacted XXXX several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, XXXX still has me owing them $ XXXX.
|
| 10/04/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I entered the Loan Rehabilitation program with Conserve back in XX/XX/2021 and have been having a very difficult time with the XXXX XXXX XXXX XXXX XXXX XXXX in getting my credit updated. I was promised after going through the Loan Rehabilitation program ( which I successfully have ) that they would be updating my credit, but they haven't done so. I've tried to contact XXXX XXXX XXXX XXXX XXXX XXXX and they are very difficult to get a hold of even after scheduling a phone call with them. I've had a few calls with them and they send me back to Conserve saying it's on them, and then Conserve says it's up to the XXXX XXXX XXXX XXXX XXXX XXXX to update the credit as the loan is back in their hands. I want my Credit updated as they said they would as I've done my part and know they aren't standing their end of the equation of updating my credit.
|
| 02/20/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a debt with XXXX Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to Conserve. Conserve is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to XXXX. I asked them to please return my account to XXXX or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in XXXX payment to make this fast and they refused. I am able to make the monthly payments to XXXX again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
|
| 09/04/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I noticed this company on my credit report not once but twice with the same amount of debt with two different account numbers. I attempted to call the company and advise them that they should contact the school regarding the matter. I was a involuntary withdraw from online classes due to a car accident that left me incapacitated during the time class were in session. Therefore the debt that have as owed is incorrect. I gave the company my attorney information however, they have since done nothing about this. Not only do school policy relieve me of financial obligation but so do federal regulations. I was hospitalized for almost one month putting me behind in the class. I was not able to attend and NEVER logged back in after the accident happened. I only called the school to advise them of what happened some time after by way of attorney.
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 11/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I received a phone call with the caller ID marked as " XXXX XXXX. '' Thinking it was XXXX because I had recently chatted with their support services, I picked up the call. The caller on the other line said something along the lines of being part of the XXXX trying to collect a debt. I immediately hung the phone up. I wanted to make sure this person was caught or something be done about these people so I filed a complaint with as well as here at the CFPB. The incoming call was named " XXXX XXXX '' and the phone number received was from XXXX. I understand that the phone receipt information can easily be spoofed. Perhaps you can work with XXXX XXXX XXXX ( my service provider ) and run a network trace of the call made to my number ( XXXX ) by this caller at XXXX AM on XX/XX/2020, you may have a clue to whomever is behind these calls.
|
| 07/21/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received an alert from XXXX that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information
|
| 12/28/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I had a debt for a student Loan with XXXX XXXX. I set up a payment plan for {$50.00} per month, and payed monthly until I recieved a letter from them saying that I was caught up and my debt was payed. I also stopped recieveing any bills, or other correspondance from them.
A few months ago I got a letter from Conserve saying that i now owed them {$2200.00} and that I had 30 days to dispute. I called within the 30 days and left a message that I had payed the debt.
I have not recieved an email, phone call, or paper bill from Conserve. Conserve does however keep putting derogatory remarks on my credit score.
I have emailed them twice and left another voice message, with all of my contact information.
They refuse to correspond with me regarding the matter, but today they made yet another deragatory remark on my credit.
|
| 10/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I signed up for classes at XXXX Connecticut XXXX university XXXX XXXX XXXX in XXXX, but couldnt secure loans so I called to cancel my classes I had signed up for. I had spoken to a student worker who said I was all set and back then I didnt know I had to formally withdraw so I ended up being charged for the classes.
By XXXX I had eventually disputed the debt and had it removed from my credit report and it was cleared up.
Supposedly in XXXX XXXX reissued another debt for a slightly different amount than the XXXX debt had been, and to the collection agencies its a debt as of XXXX.
In XXXX of XXXX it was submitted to collections as a debt accrued on XXXX.
I believe it was reissued to be within the statute of limitations so I could be continually pursued ALSO after it had been disputed, settled, and closed out in XXXX
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/2019 I paid a debt in full, the amount of {$280.00} that I owed XXXX XXXX XXXX college over the phone. They told me my balance was paid in full and I was all set. I was not informed this bill had been sent to collections, I paid the college directly. XX/XX/2019 a collections was reported on my credit report with ConServe debt collections l with a balance of XXXX reported from XXXX XXXX XXXX on XX/XX/2019. I disputed this, as I had paid the balance with the college in XXXX. The college informed me in XXXX when I inquired about the collections. that they had sent it to ConServe, but would report that I had indeed paid the debt in full. ConsServe debt collections is now reporting that I owe XXXX dollars in collection fees. I have attached my payment and receipt history with XXXXXXXX XXXX XXXXXXXX college.
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.
|
| 05/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I did get a loan with the XXXX which was turned over to Treasury. Treasury seems to think I have money. I think what is more true is that if you are without money you get hassled more. Look a t Donald Trump. He h as managed to not pay anything for a long time. I have attempted to resolve this issue with the Treasury department. I submitted an offer of settlement to ConServer. I have asked Conserve to provide me the correct document would be a current loan statement which verifies the account number, the account balance, the current amount due, and will verify if there are any past due payments pending. ConServe failed to forward on any information, including taking payments. ConServe negatively reported me to XXXX . Because of this negative reporting I ca n't get a student loan. Ha more debt.
|
| 05/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
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In 2016, when I was still a teen, a debt was not disclosed with me as being sent to a collection. I was under the impression that my student loan of roughly {$2000.00} was covered with XXXX college of XXXX XXXX.
I was young and unaware of any debt that I owed, as my parents told me it was paid in full.
As time passed and I finally discovered this was on my credit report, it was paid in full immediately.
I did not neglect this debt or deserve to have it sent to collections at such a young age with no warning.
Based on my other credit history, I have never missed a payment, nor have a been in this situation with any other company.
I believe this situation needs to be looked at more seriously and a fair solution needs to be provided.
This should be removed from my credit report immediately.
|
| 04/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I Received a debt collection letter from ConServe XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX XXXX on XX/XX/2023 The letter states I owe XXXX XXXX XXXX XXXX {$530.00} On XX/XX/2023 I notified ConServe that I am disputing the debt and I requested a debt verification / validation letter.
I received photo copies of vague account information, payment transactions. and a list of dates.
They have not provided me an original contract with XXXX with my signature.
They have not disclosed when the account became delinquent They have not provided proof the company is licensed to collect debt in the state of Texas.
Associates have been calling me repeatedly and demand that I verify my Date Of Birth and zip code and personal information.
I hope you can contact ConServe and resolve this issue for me.
|
| 04/19/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
So I'm a XXXX XXXX XXXX that receives the XXXX bill XXXX military pays for my schooling ) ''. I received a notice on my phone that I had a *Collection alert * from CONSERVE ( XX/XX/2021 ) on my XXXX App. I was surprise to see that when I know the military pays for my schooling. At the time I was trying to purchase a house so I was like I'll just pay it. ( XX/XX/2021 ) After paying for the collection on ( XXXX ) I received a notification that the account was paid in full. Now as of today ( XX/XX/2021 ) I still have that same collection on my credit report. I called CONSERVE and ask them how long it will take for them to take the collection off my credit, there response was you have to contact the credit bureau now that you have PAID us. Please help me solve this problem.
|
| 09/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Conserve appeared on my credit report with at absolutely no notification. Appeared outta nowhere. Never even heard bout them prior. No letters no bills. They refuse to acknowledge who they are and or any documentation that proves I owe something my signature or anything else. At first the amount was different ( {$900.00} ). The year it was supposed to come off my my report ( XX/XX/XXXX ) and it didnt display and end period. Now on my report still without any notification ( letters ) they changed it to a monthly bill, they changed the removal date to XX/XX/XXXX and now it's {$1200.00}. Who are these people? I never had an agreement with them. Never talked to them. No letters. nothing. How? When I disputed it I can bank updated and verified. How?? You never spoke to me?
|
| 08/15/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back.
Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX by now ).
|
| 06/24/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am currently XXXX XXXX military. I enrolled into XXXX university paying for my tuition using my XXXX XXXX. XXXX. It was never stated that due to me being XXXX XXXX my XXXX XXXX would not cover the entire balance of my tuition. Once I was XXXX and disenrolled in the university I received late statements stating I owed the University tuition fees. After going back-and-forth with the Finance office I was told and have a statement saying that once Payment was made that the negative report will be removed from my credit and the account will be in a satisfactory condition. After I made the final payment the negative credit mark was left on my report. I have dispute it the count on numerous occasions and the creditor has not honour the obligation made with the University.
|
| 07/02/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
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After consulting with an agent Concerve collection agency, hoping to repay this loan, i was notified by my Employer about wage garnishment.
this transaction begins XX/XX/XXXX and ended on XX/XX/XXXXA certification document was forwarded to my Employer about cancellation and released Yet still various notifications have been forwarded to me, in the same format of collections and wage garnishments.
I have paid the amounts listed, but continued to received other notifications of owed monies and interest rates.
Since paying off the principal amount, and also the second assumed debt, i have since received bills for cents amounts.
This is creating an depressing situation upon my psyche as per when does this error and continued creation of bills end .Thank you.
|
| 09/29/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Good Afternoon, I'm not sure why this is taken so long, but this can not continue to report in error. This is been over 90 days that i disputed this negative account and it's still reporting on my credit report. I was told upon paying this account that it would be removed completely from all the 3 major credit bureaus. And yet, only one of them removed it from my credit report and i'm still waiting for the other 2. I don't owe the debt but it continues to report incomplete and incorrect, and unverifiable information. I'd rather no waste anyone 's time going back and forth and would like that this is deleted from all the major credit reporting agencies effective immediately, please. This is in violation of both fcra and fdcpa on the way it's reporting.
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| 04/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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XXXX violated federal law 18 USC 1001, 8 USC 1324c, 18 USC 1341 by submitting information to the XXXX XXXX XXXX in order to collect debt which was rightfully under XXXX jurisdiction to be allotted to the consumer for lost time. XXXX has contacted XXXX XXXX XXXX Treasury and they have contacted Continental Service Group, INC d/b/a Conserve. Validation of debt was requested on XX/XX/21 following pursuant to 15 USC 1692c, ( c ) ( 2 ). I was sent post dated information to appear as if it was in correlation with the current request pursuant to 15 USC 1692c, ( c ) ( 2 ). Continental Service Group, INC also violated 20 federal laws including 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ) ,15 USC 1692f ( 1 ), & 15 USC 1692c ( a ) ( 1 ).
|
| 05/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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In XXXX of 2019 I paid my balance in full of {$50.00} to XXXX XXXX XXXX. I received an email from XXXX last week saying that there was a new account added to my account from a company called ConServe. I called XXXX and XXXX to dispute. They both informed me that this account was reported XX/XX/2019, AFTER i had paid my balance. I called the company last Friday XX/XX/XXXX and asked them to look into the matter and remove the account ( the first time I had ever had contact with this company ). I have no contract with them, nor knew of them until after the fact. I called XXXX today and they said the company had update the information to say " Paid in full ''. I asked them to submit another dispute. This account was report AFTER I paid in full.
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Hello, I spoke to XXXX at ConServe ( XXXX ) about a debt from the Department of Defense, which was transferred to the Department of Treasury, then sent to ConServe.
She told me that multiple letters were sent informing me of this debt, I asked which address she had on file and she stated an old address which I have not lived at in almost 5 years.
She informed me that because it has reached them, there is an extra {$2000.00} charge added onto the debt. I told her that I didn't believe that was right, because I had never received any letters of the debt owed because I no longer lived at that address. She told me that there was nothing they could do. I told them I would be looking at legal avenues to remediation of this issue.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I submitted a dispute through XXXX for a collection account that was paid off same year that it was reported. The collection was for an amount of {$380.00} and was paid in full in XXXX. I contacted ConServe to request that they remove this from my credit report. They denied the request stating this was in their policy. I do not agree with ConServe constant reporting to the credit bureau if it has already been paid in full and closed.
I also attempted to have XXXX XXXX XXXX removed an account that had 2 missed payments. The account was closed and paid in full in XXXX. I also attempted to called but received a rejection notice.
These two accounts are the only 2 accounts that are preventing me from getting a mortgage.
|
| 05/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
ConServe, a debt collector for XXXX XXXX XXXX University, has made repeated attempts to contact me, even after stating that I would like to confirm the existence of such a debt with the University before responding to or continuing any communication with the debt collector. The debt collector then repeatedly called my personal and work phone number ( on XXXX and XXXX , at roughly XXXX EST ). I have not been notified of such a debt, or that such a debt was sent to a collections agency by XXXX XXXX XXXX University either. Additionally, the Debt Collector 's amount did not match the amount of debt conveyed to me by XXXX XXXX XXXX University ( it was significantly higher ) than the debt owed.
|
| 06/23/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been harassed and abused by the Conserve debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. Conserve illegally obtained my personal information without my written consent, because I never did business with CONSERVE, and they have failed to provide me a contract between Conserve and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and CONSERVE is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force CONSERVE to remedy this situation with proper consideration that does not break federal laws.
|
| 09/30/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a result of the national emergency or pandemic, I withdrew from XXXX XXXX XXXX on XX/XX/XXXX. Due to the return of title IV funds, I was charged back for the loans I took out for the amount of XXXX and XXXX XXXX is now holding my transcripts until I pay that balance off ( it has now been sent to a collection agency by name of CONSERVE-XXXX and charged an extra XXXX on top ). Under the Federal Cares act attached below, students who withdraw or withdrew during the national emergency announced by the White House in XXXXXXXX XXXX XXXXXXXX extended until XXXX, are not required to return the title IV funds ( see attachments ) if they withdrew due to as a result of the pandemic yet I was still charged back.
|
| 12/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
TO : Consumer Financial Protection Bureau.
I received a collection notice letter dated XXXX XXXX from ConServe Continental Services Group Inc. with their address : XXXX XXXX XXXX XXXX XXXX NY XXXX for the amount of {$590.00}. It claimed that I owed the XXXX XXXX XXXX XXXX for the debt account of XXXX. It stated I should pay the said amount to the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. No where in the letter are stated the DETAILS or documentation of their claim. It was mailed to my old XXXX XXXX CA family address. I have copied them my complaint to CFPB and attached it to my reply to the ConServe. - XXXX XXXX XXXX now residing in XXXX XXXX XXXX XXXX in XXXX Maryland XXXX
|
| 06/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have an account reporting from Conserve that is not a valid debt owed to XXXX XXXX University.
I was forced to flee XXXX XXXX for my own safety. I've appealed the tuition fees that are in collections with Conserve.
Conserve refuses to remove the false information from my report even if I pay them. XXXX XXXX will not allow me to work with them directly.
Conserve is damaging my credit with a debt that is not owed and will not remove the negative information from credit reporting even though I told them I was willing to pay it and it was false.
My debt has not been validated, I have not received any notification of money owed to XXXX XXXX or to Conserve.
This must be removed from my report.
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted conserve for several days and was able to get ahold of someone. I contacted them into an account they are reporting on my credit report in the amount of {$760.00}. I was trying to get some information on this debt and associate named XXXX XXXX at ext XXXX stated the account is closed with their office and in order to get account removed to reach out to the credit agency. I informed XXXX XXXX that the XXXX XXXX is reporting inaccurate information that your office has supplied. XXXX XXXX did not have any other resolution or validation of debt but kept stating account is closed with their office and to contact someone else. I would like to get this information removed off my credit report.
|
| 10/13/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection agency CONSERVE attempted to aggressively collect student loan debt from me. They purchased my federal student loan debt privately. I never received written notice related to the debt at all. I never admitted to the debt. I called CONSERVE and they agreed to stop contacting me and harassing me if I paid the amount in full, and also to delete the account from XXXX, XXXX, and other credit agencies. Instead, they took my money, applied it to settle the debt without my permission, and neglected to delete the account from pertinent credit agencies. I contacted the company and submitted disputes at least 5 times and they repeatedly lie about our arrangement and refuse to make any changes.
|
| 06/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ConServe is re-aging an old debt from over 7 years ago to have it on my credit report. Not only is the date wrong but the amount is incorrect as well. As they are not the original debtor I am not liable and since the date and the amount are incorrect I would like them to be forced to remove this from my credit report. Last Reporte d XX/XX/XXXX Col lection Agency CONSERVE Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Clos ed Date -- Responsibility Individual Account. Balance {$61.00} High Balance {$6 1.00} Remarks -- This was fr om XX/XX/XXXX and the correct amount was {$81.00} I disputed this with the original debtor and it was written off as a billing error
|
| 12/03/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).
|
| 03/22/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
From XX/XX/XXXX thru XX/XX/XXXX my wages where garnished by conserve in XXXX ny for a ny higher education debt. Upon completion of debt i overpaid XXXX dollars as well as XXXX mailed 2 additional checks for XXXX.and XXXX dollars. Totaling {$160.00} owed back to me. Ive called a few times to inquire about how i will recieve my overpaid funds back and also left.messages for information. They refuse to give an answer back. But these funds have reached conserve and they have my money. I want my money back IMMEDIATLY. This company dosent respond.to any communication. But they made money by charging fees. I am also demanding intrest at 9 % since XX/XX/XXXX as i had to pay a decadea worth.of intrest.
|
| 01/18/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
CONSERVE XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX -added extra fees to my assumed " debt '' of XXXX which is against the ( fair debt collection practices act ) [ additional information ] -Tried to dispute debt several times with only receiving very bias results which started with the Dept of the Treasury.
-Did not receive reply 's on many occasions as I tried many times to communicate with them.
- '' Debt '' was not communicated to me until it was going to collections.
-Debt started with the XXXX XXXX
I tried to discuss debt with treasury first but they had bad communication and false phone/fax/email numbers.
-I have phone, emailed, faxed and mailed for communication methods.
|
| 08/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I HAVE RECEIVED MULTIPLE ILLEGAL TELEPHONE CALLS THIS MONTH. THE CALLER DOES NOT LEAVE A MESSAGE. I HAVE GOOGLED THE NUMBER ( XXXX ) AND DISCOVERED OTHER PEOPLE HAVE BEEN BOTHERED AND HARASSED BY CALLERS USING THIS NUMBER. THE CALLER REPRESENTS CONTINENTAL SERVICE GROUP , INC. ( ConServe ), A DEBT COLLECTION AGENCY.
I HAVE NO DEBT. I SHOULD BE NOTIFIED BY MAIL IF A COMPANY THINKS THAT IT HAS BUSINESS WITH ME. I DEMAND THAT THE COMPANY STOP CALLING ME, OR PROVE THAT THEY HAVE BUSINESS WITH ME.
I CAN NOT BE THE ONLY PERSON THAT ConServe IS CALLING FOR NO REASON. PLEASE INVESTIGATE THIS COMPANY 'S BUSINESS PRACTICES. AND, PLEASE FIND OUT WHY THEY CALL ME, AND HAVE THE CALLS STOP, PLEASE.
|
| 06/20/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed the company Conserve with all three credit bureaus and they have said that the information is true pertaining to their information. this information is inaccurate. Conserve had reported this balance to the credit reporting agency when this account was under the appeal process and a decision wasn't made. This was wrongfully reported and has no balance due to government loan forgiveness which was approved by the school. please remove it from my credit file. I have evidence that this company also wrongfully reported while the loan was in the appeal process. Attached is evidence of the XXXX balance owed to the XXXX XXXX XXXX XXXX XXXX XXXX from the school officials.
|
| 06/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This involves the XXXX XXXX XXXX XXXX ( XXXX ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.
|
| 11/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted in XX/XX/2022 about a debt that was owed to XXXXXXXX XXXX XXXX. I immediately set up a payment arrangement with the agent to pay the debt off. I set up {$30.00} a week payments for 2 months to pay off the debt. She advised me that since I set up a payment arrangement this would not be sent to the credit bureaus. I received a notification today that this account hit my credit report. It dropped my score XXXX points. I am in the process of buying a home for me and my family so I have been building my credit for the last 12 months. This will absolutely ruin the chances of me buying a home. I called the company ( Conserve ) and the agent was no help at all.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/27/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
|
| 11/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
|
| 09/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
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|
Web |
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Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company.
Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed XX/XX/XXXX.
Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/13/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
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|
Web |
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Upon using XXXX XXXX XXXX , XXXX ( Conserve ) to consolidate my student loans, I received a letter from XXXX stating that I did not have to make any payments until XX/XX/XXXX, 2017, and that my new payment amount would be {$740.00}. Upon receipt of this letter I called XXXX to confirm this information. My payment amount was only {$430.00} and I was told by XXXX that their records did not indicate any letter of that kind being sent out to me.
I have uploaded a copy of this letter for your verification. Please investigate this fraud and help me prevent this from happening again.
Your prompt attention to this matter is highly appreciated. Thank you.
|
| 04/25/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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The calls started beginning of XXXX . I 've been getting calls on my cell phone from the # XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4 days in a row. On XXXX / XXXX / XXXX I got a call on my work # from the same number. When I answered, the person Identified himself as XXXX from Conserve. I asked him not to call me on my work # and I needed a day or two to find th e paperwork they sent me. The next day, XXXX / XXXX / XXXX I got yet another call from XXXX at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.
|
| 02/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX Conserve placed collections on my XXXX report for over {$3800.00}. 8i disputed it on XXXX. The dispute is open. I never was contacted by phone by Conserve, no message left on voicemail and no phon conversation. No e-mail was received. No letters ever came in the mail. There is no account on the credit report that reflects what they are trying to collect on. Under FDCPA they have not verified the debt nor that it is mine before placing collections on my report. The company then reported it to XXXX and XXXX. I will be disputing with those agencies too. Conserve should remove their reporting as they have not met their legal obligation.
|
| 10/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX ( in collections now ) is saying that I owe {$4300.00}. I clearly already paid off a loan for that amount thru XXXX XXXX ( I believe it was XXXX ) last year. XXXX XXXX is saying they never received it, but XXXX XXXX says that they sent it to XXXX XXXX. This is the first item I have had in collections and Im not sure what to do about it ..., I never received any sort of documentation from anywhere, theyre constantly harassing me, I have had to block an endless amount of phone numbers, and neither sides are further investigating on my behalf they rather me just pay them each for a semester of college I didnt even complete 8 weeks of.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Im In the process of repairing my credit and this company has been pursuing me to pay a debt. Which, I have no contract with them, not to mention they have accurately responded to my request for validation.This company is in violation and not license to collect in the state of Florida.Ive previously brought this to the attention of Credit Reporting Agencies as well, Ive even recently filed a complaint with the XXXX and attorney general. in which, they company lied stating they have resolved my concern. However, I havent heard from anyone plus their in violation. Im requesting for this company to remove this item from my credit.
|
| 10/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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XX/XX/2018- XXXX XXXX from Conserved Called my place of employment Prior to this date I have received calls from Conserve from Different phone number, most times when you answer the phone no one says anything and the call is disconnected. A company representative will call back, and not address who they are or the intent of the call, while pressing you to validate your personal information, example : asking for last 4 of social, confirming DOB.
I have asked to be taken of their call list, and requested someone to mail me a letter. Have yet to receive anything via mail from Conserve regarding any debt collection ( s ).
|
| 09/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
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XX/XX/XXXXThe following company, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, purchased my student loan debt which has been contested in its entirety since XX/XX/XXXX. XXXX XXXX XXXX , XXXX calls my residence daily in violation of certified letter sent to the them back in XX/XX/XXXX. Furthermore, the company, along with all previous collectors including the original debtor has violated, at minimum, my rights under the American Disabilities Act and US Constitutions Equal Protection Clause. XXXX XXXX, XXXX.threatens to excise fees over a disputed debt which they have been aware of since XX/XX/XXXX.
|
| 11/16/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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CONTINENTAL SERVICE GROUP INC A DEBT COLLECTION AGENCY Tell XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor Fake Account XXXX Name XXXX XXXX XXXX Total {$50.00} Reason, I never studied in this college and they didnt accept my admission application, and they were keep sending me email for admission form fees with out accepting my applicant, even I filed this college complain about their XXXX behavior to Dept of Education during the application process I want to take a legal step after logging this case to CFBP, please see in your attention .for immediate any queries, its my direct number XXXX ( XXXX ) XXXX
|
| 02/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY has been asked to identify who they are, there is no current contract or previous contract or any business agreement with this company, when ask to verify they refused, please require them according to the law to cease and desist, form contacting private property unless they can show a contract that is made or my property made with them.
The name XXXX XXXX is own and control by a XXXX XXXX and unless they have been given, authority to contact the owner. Please cease and desist from contacting.
Supported by the Privacy Act of 1974.
Sincerely XXXX XXXX XXXX
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Hello CFPB, I recently pulled my credit report and noticed I have a collection account thats reporting from Conserve for XXXX XXXX XXXX XXXX for an amount of {$580.00}. I attended XXXX XXXX XXXX 2 years ago on a college grant and therefore I do not owe a balance whatsoever. Not only that, I was not sent the property correspondence from Conserve warning me ahead of time of any collection efforts before the the account was reported to the credit bureaus. I contacted Conserve on XX/XX/2021 and was told they could jot verify my identity to provide any details regarding the debt/account. Please help!!
|
| 02/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
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I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.
|
| 03/18/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the Department of Education since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some one took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.
|
| 03/14/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I received a government scholarship grant from the XXXX in XXXX. That grant was converted to a debt without my knowledge, passed to collections, and my XXXX tax return was taken and put toward that debt.
I did not have the opportunity to justify that I satisfied the grant stipulations and was not informed the grant was being recovered.
I also can not get information about the debt including the terms, and do not have a way to pay this back in a fair way.
The only information I received was a debt collector notice and then a letter from IRS about my tax return being taken after the fact.
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but whomever the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
|
| 12/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been dealing with ConServe for nearly 2 years. The debt was " paid in full '' and closed on XX/XX/XXXX. I also looked on my full credit report that showed ConServe illegally re aged the debt ( date of first delinquency ). XXXX have XX/XX/XXXX while XXXX and XXXX has XX/XX/XXXX. This is unacceptable and it needs to be deleted off my credit report, so I can start rebuilding my credit. Attached will be a copy of my full credit report, ( look under date opened ), and the dispute letters sent to the 3 credit bureaus.
Failure to due so, I will pursue legal action.
|
| 02/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of XXXX XXXX. XXXX XXXX College- XXXX XXXX account is seven years expired as of XXXX XXXX. I have contact Conserve, and XXXX XXXX College twice in regards to removing outdate negative account from my credit report ; this issue has not been resolve
|
| 05/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an alert that an collection account was added to my credit report for XXXX XXXX XXXX via Conserve on XX/XX/2021. I called XXXX and told them I never received any correspondents about owing this debt and made a full payment. The lady told me they would call conserve and have the debt removed. Today XX/XX/2021 conserve is still reporting it as an unpaid collection account so I called conserve and told them this debt was paid and that I didnt receive anything from them or XXXX and this debt needs to be remove from my credit report and they refused.
|
| 06/27/2018 |
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
|
|
Web |
|
|
I did an online dispute and the info and amount changed, someone made a {$19.00} dollar payment, but it wasn't me. There seems to be some type of fraud etc. going on. I pulled a report today and it shows different than the report I pulled on the XXXX. The reporting is still inaccurate and incorrect. The XXXX of XXXX, and their collection agency weren't able to explain the XXXX loans, the amounts, dates, times, etc of the loans that they said I owe, plus they couldn't explain what was applied that I already paid to the loans. Please see attachments.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a complaint ( XXXX ) requested a signed contract with my signature along with your Conserve signature. I have also attached my current payments that I have with XXXX XXXXXXXX that are current through XXXX. I would like for this account ( Conserve, XXXX ) to be removed immediately as it is affecting my privacy. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
|
| 07/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent an Affidavit of Truth, Exhibit A, Exhibit B, Cease and Desist, Debt Validation letter, Information request, Invoice, Signed by Notary to Continental Service Group Inc. I notified them about their Violations under 15 USC 1692 B ( 5 ), 15 USC 1692 B ( 2 ). Under 15 USC 1692 C ( c ) I am refusing to pay alleged debt. Under 15 USC 1692 C ( c ) 2 I am invoking my specified remedy as a consumer and original creditor. Under 15 USC 1692 g Fair Debt Collection Practices Act I am Disputing alleged debt and Validation is Requested.
|
| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
on XXXX i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXX case # XXXX
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter but instead received a second bill.
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
A company called, Conserve, from the State of New York, has managed to place a collection account on my XXXX Credit Report, even though I have a freeze. In addition, I did not receive any communication from this agency at all. They have not telephoned, written : nothing. The XXXX statement claims that it originates from XXXX, XXXX, which also did not write, email, or telephone. XXXX XXXX is engaged in fraud for doing this, and I intend to sue. I am tired of organizations trying to fleece the average citizen, and I won't accept it.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 I disputed the following account Conserve ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with my valid signature contracting an agreement between myself and Conserve .I would like for this account to be removed immediately as it is affecting my privacy.
|
| 08/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
1.Obscene/profane language : stating I owe an alleged debt ; implicating I must pay an alleged debt.
2. HARASSMENT!!! Multiple unsolicited phone calls ( x43 ) and voice mails ( I have call logs and voice mails to provide should I pursue civil/criminal litigation ). *HARASSMENT* 3.Obtaining/accepting my personal info ( phone numbers & mailing addresses ) to.
Notice, Pursuant to 15 USC 1692 - total in damages and violations : {$45000.00} If such notice from theconsumeris made by mail, notification shall be complete upon receipt.
|
| 11/02/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.
|
| 07/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.
|
| 07/02/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX.
The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Back in XX/XX/XXXX, I reached out to XXXX about an account ( Conserve XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. XXXX still hasn't removed the account. I reached out to the company ( Conserve ) that reported the account and they said they sent over the information to XXXX to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
|
| 01/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.
|
| 04/16/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX 2018 my XXXX score said that my debt increased. Upon looking at what increased, i found it was a debt collector ( Conserve in XXXX, NY ). The issue is i have already been paying on that debt and started paying AN AGREED UPON amount, but the total went up as i was paying. I attempted to contact them twice, both with no resolution or explanation as to why they decided to make me pay more than my agreed upon amount. I know that legally a debt collector can not collect more than what is agreed to be paid on.
|
| 02/22/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.
|
| 07/16/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from the collection agency that stated I have 30 days to validate debt. On XX/XX/XXXX I sent out a letter stating for them to validate my debt and it was sent via certified mail. I received no response and noticed the debt was reported to my credit. My letter was ignored and so were my rights. I sent a follow up letter stating this is my second attempt and yet no response. The collection agency is ignoring my letters and violated my rights to provide proof that the debt is mine.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is asking for a {$390.00} payment in a debt owed to the school. In the report it shows I was awarded a Pell Grant as well as the Millennium scholarship. Both were more then enough to pay for books and school the whole first year. With classes enrolled to take in 2017 I dropped out of school before the start of the year. So there's no reason for there to be a charge for no appearance in school activities, or to come seeking payment from me when I'm 100 % covered by the government.
|
| 07/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no contract with Conserve. Conserve is also not licensed to do Business in the state of Florida.. Conserve also had 2 different charges on all 3 of my credit files. They just recently deleted one for & XXXX, but one still remains on my credit report for around $ XXXX.Conserve ca n't send me proof of anything with my signature on it, because I never had a contract with Conserve and the are n't licensed in Florida so I never even received writen notice when these accounts was placed on my credit.
|
| 07/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Spring 2017, i was attending XXXX XXXX XXXX downtown and i had to get out of school fast my son took deadly sick and later on passed, so i wasnt able to think about handling nothing dealing with school at the moment, so i appeal my decision and they approve it meaning that everything that happened on my record is reversed so i been trying to talk to conserve about this and they have had some very mean people to answer the phone about this so this is my only option to have this removed from my credit
|
| 10/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from Conserve for {$240.00} for XXXX XXXX College, which is odd because I never attended. I sought information and started the application process, only. However, when my request for federal financial aide was denied, I was unable to register for classes. So, I never attended the college, not even for orientation. I am going to file a formal complaint as well with the department of education for fraudulent accounts being opened and collected on at this college.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX sent my balance to collections. Veteran affairs was supposed to cover the cost of that semester through the GI bill. I cant control what, when XXXX how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.
|
| 09/23/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Conserve XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement Conserve has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ConServe reported an account to my credit report without any written communication that the debt was placed in collections, the ability to dispute, and I was never late on my payment with the original creditor.
I pay monthly for a class that I took at XXXX XXXX of XXXX XXXX. I've never been late. ConServe placed the account on my credit report and said that I'm late on Payment for XXXX ( even though payments have been made ) and never alerted me that the account was placed in collections.
|
| 12/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
XXXX SOLD MOST OF MY LOANS TO A THIRD PARTY COMPANY CALLED CONSERVE, WHICH IS GARNISHING MY PAY CHECK FOR 15 % OF MY GROSS PAY. XXXX IS SAYING THAT THEY STILL HAVE 15 OUTSTANDING LOANS AGAINST ME. I 'M PAYING TWO COMPANIES FOR MY LOANS. I DO N'T FEEL THAT THIS IS FAR TO ME WHEN I 'VE TRIED SEVERAL TIME TO QUALIFY FOR THE LOAN FORGIVENESS PROGRAM WHICH XXXX HAS DENIED ME. THESE COMPANIES WOULD RATHER CONSOLIDATE MY LOANS INSTEAD OF GIVING ME THE CHANCE TO QUALIFY FOR THE FORGIVENESS PROGRAM.
|
| 12/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.
|
| 02/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ConServe has made several calls to my employer disclosing my social security number to several employees to try to verify whether its me. They have also sent mail to a friends address, in my name, who has no involvement in my financial concerns. They then sent a letter to garnish wages to a past employer who contacted me to inform me of the situation. Too much of my personal information is being disclosed to uninvolved parties. This is not only harassment but a violation of privacy.
|
| 07/24/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received anything from this debt company called Converse but it was added to my credit report on XX/XX/2019 in the amount of {$1400.00} being owed to them. However, that amount was sold by the original creditor, XXXX University, to a debt collector named XXXX XXXX XXXX which appeared on my credit report in XX/XX/2019. The same amount is owed for the same original debt to two collectors. I have not received any written mail from either companies and have not reached out.
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have sent off certified letters to both the collection agency, Conserve and the Original Creditor XXXX XXXX XXXX College in an attempt to resolve this matter but have received no response. XXXX letter was sent to Conserve on XXXX XXXX, 2017 requesting a response within 30 days to resolve the matter. After I got no response I sent a letter to the original creditors XXXX XXXX College Business office on XXXX XXXX, 2017 again asking if we could have the matter resolved in 30 days.
|
| 07/02/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I have type out and mailed a certified letter to a creditor Conserve in regards of amount I owe of XXXX. I requested a validation, of competent evidence Bearing my signature, showing that I have ( or ever have some contractual obligation to pay them. conserve has failed to respond, or have my account disputed.On XX/XX/2018, I have written a second goodwill letter, in response to them ignoring my 1st letter. Evidence is in attachment, with name and account number.
|
| 04/26/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently received my updated credit report and there is a Collection agency named Conserve on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.
|
| 02/15/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Older American |
|
The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The school put fees on my student account that I never consented to and a debt collection company is now calling me to collect and saying the debt is valid even though I never agreed to these fees. Im not paying it because I never agreed to pay those fees. I attempted to dispute the charges being added to my student account and they just said you cant. Conserve is saying the debt is valid even though I never legally signed a contract that agreed to these fees.
|
| 03/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
received a collections notice for a debt from a semester that i signed up for but couldn't attend due to XXXX. This was a semester of dissertation, and the university shut down during this time. I believe this constitutes a breach of contract on the University 's side.
Furthermore, the state has withheld funds from my tax return in support of this claim, so i believe that the amount the debt collector is referencing to be wrong. A total of {$14000.00}.
|
| 06/06/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a call from the debt collector saying I owe 600 something for XXXX XXXX XXXX college and the person from the office told me I could start paying by splitting the payment into 3 so I started right away and I was told since Im making payments it wouldnt go into collections. Its still open account on my credit and its been paid off in full since XXXX this is really affecting my credit because its been paid off ad I would love for it to be removed.
|
| 03/24/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied.
|
| 11/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX RECEIVED COLLECTION NOTICES FROM CONSERVE XXXX XXXX XXXX XXXX NY XXXX. ALSO AT XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX.
THE DEBTOR WAS PREVIOUSLY OUR CLIENT, BUT NOT NOW
WE ARE THE FORMER ACCOUNTING FIRM OF THE DEBTOR.
THEY MAILED 3 COLLECTION NOTICES TO XXXX XXXX, I AM A MEMBER OF THIS ACCOUTNING FIRM. WE DO NOT WORK FOR THE DEBTOR ANY LONGER. WE WILL ACCEPT ANY CONTACT FROM THIS COLLECTION AGENCY.
WE WILL SUE THEM IF THIS CONTINUES.
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My current university made a mistake XXXX University. Assigned me a class prior to the financial aid kicking in. Pulled me out of the class and charged the fee. They later corrected the problem by offering me a grant to cover their mistake but they sent part of it to a collection agency Conserve. XXXX University advised me they corrected it with conserve XX/XX/2019. This false/mistake by XXXX is showing as a collection item on my credit.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
|
| 01/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from CONSERVE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against CONSERVE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I requested a Waiver of a XXXX Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted Continental Service Group , Inc & made them aware of this situation to no avail. Please rectify this for me. Thank You.
|
| 10/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, these companies have violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Conserve has inaccurately reported to the credit bureaus a debt by XXXX that was due to fraud and identity theft. XXXX has active and valid police reports and FTC ID theft reports as recommended by the police department which they have failed to honor by law. Conserve is violating my rights under FCRA section 605 ( A ) and ( B ) prevention of identity theft and fraud to be blocked from reporting on a consumer credit profile.
|
| 03/29/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
Since XX/XX/XXXX, I owed the U.S. Department of Education {$14000.00} on a student loan. I have been making payments, including deferred payments. ByXX/XX/XXXX, {$9000.00} had been paid off.
SinceXX/XX/XXXX, a debt collection agency for the Department, Conserve, has been taking payments offset by income taxes every year, includingXX/XX/XXXX.
By now, this debt should have been paid off. However, I still owe {$2200.00}!
|
| 04/15/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Please help me as I have tried numerous to ask for verification as when I went to school I had financial aid that paid XXXX %, now I am being harassed. I do not feel I owe this debt and think I am being taken advantage of and this company still will not send me detailed list of charges, what has been paid by the financial aid. I was told when I applied and got accepted Financial aid would pay everything.
|
| 01/06/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.
|
| 12/04/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I HAVE PAID XXXX XXXX THE AMOUNT THAT I OWED ENABLE TO REGISTER FOR CLASSES! WHEN I RECEIVED MY CREDIT REPORT IT SHOWED THAT THE DEBT COLLECTOR ( CONSERVE ) HAD AN AMOUNT THAT WAS PAID FROM XXXX WHICH I AM NOT AWARE OF THE DEBT COLLECTOR. THIS IS FALSE AND I NEVER PAID A DEBT COLLECTOR I ONLY PAID XXXX NOT CONSERVE! I AM NOT AWARE OF THIS DEBT COLLECTING COMPANY AS I SORTED OUT WITH XXXX AND PAID XXXX!
|
| 06/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.
|
| 04/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On Saturday, XX/XX/2022, I received a letter in the mail from Continental Service Group , Inc. ( ConServe ), a debt-collection contractor for the IRS, stating that my account has been placed for collection with them. I don't know why I received this letter. I've paid my taxes in full. Lastly, the letter that I received has a " Tax Period '' that states " XXXX ''. I'm not exactly sure what that means.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.
|
| 03/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.
|
| 02/21/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.
|
| 05/01/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of XXXX .
|
| 07/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a certified mail to Conserve for a debt verification for a loan they claim that i owe. The letter was date XX/XX/2022 and was mailed XX/XX/2022. This collection agency failed to show proof of the loan and which that includes my original signature for said debt within 30 days. I included the letter that i sent, and their response along with proof of the certified mail receipt.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019, I reviewed my credit report that shows a collection that I never received a bill or notice to collect debt.
On XX/XX/2019, I submitted a letter, certified mail, to Conserve collection agency disputing and requesting validation of this debt within 30 days. ( Letter is attached ) On XX/XX/2019 Conserve receive this letter. ( Certified Mail Receipt attached )
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have a closed account on my credit report that I have fully paid off. I tried to contact the company in which controlled the account to get it off my credit report because it is paid in full. They said it was against policy to take if off of the credit report, so here I am now trying to contact you guys if you can help get a closed paid off account off my credit report.
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I enrolled into XXXX XXXX however Ive never attended none of the classes .I failed to withdraw from the classes due to me failing to withdraw from the classes I ended up with an outstanding balance of {$980.00} fir failing to withdraw a class I never attended. I ended up paying the bill and a negative mark was left on my credit .Due to section 15 usc 1681N.
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Account Number XXXX.
Company : XXXX XXXX XXXX XXXX XXXX, NY XXXX
|
| 07/31/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.
|
| 11/02/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.
|
| 12/05/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never had any account or agreement from CONSERVE also was never notified of any debt collection. CONSERVE also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke to a collector at Conserve around early to mid 2018 about 2 collections they put on my credit report. I told the collector that the amount reported to did not seem like it was the right amount, and he told me to take it up with the original creditor and not him. No one wanted to discuss the validity of the final amount with me.
|
| 03/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
CONSERVE # XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they ahve notified please provide " Certified Mail Receipt ''
|
| 06/01/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Not only have I been receiving calls from this collector using tactics such as fake businesses ( XXXX business services ) but they've tracked me down at my place of work and called the general number to be routed to my office. I've already requested no phone contact. They've also failed to provide a Debt Validation. Thank you
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Conserve collector, charge me an amount of {$6800.00}, account date shows on my record is XX/XX/2022, creditor info : Conserve XXXX Cross keys office PA XXXX, NY XXXX contact : XXXX This was a setup and the act of hatred no evidence or prove of owning such amount of money because they have my SSN number that why they did this.
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX and XXXX are reporting a collection account from Conserve that was paid off already. Also XXXX and XXXX are reporting differrent open dates which they should be all accurate and all be same date.it is highly damaging to my credit report.
attached is a copy of my credit report and also a statement where I paid conserve.
|
| 08/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month.
I am now working with a law firm to remove the negative mark on my credit report.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.
|
| 06/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company calls my cell phone and my work number asking to verify my information. They also call my human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.
|
| 08/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i get repeated calls from Conserve. XXXX They ask for " XXXX XXXX '' ( sp ).
I tell them this is my phone number and I do n't know this person so please stop calling me.
I later called the number back and stated the same to a manager " XXXX '' ( sp ).
They asked what my name was but I refused to give it to them.
|
| 05/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone used my name and address to open an account at XXXX XXXX XXXX. They then overdrew the account by {$100.00}. I contacted XXXX and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named ConServe who is now attempting to collect the false debt.
|
| 12/13/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
Servicemember |
|
They are calling my place of business and harassing my receptionist and staff in the office. Going as far as to ask my schedule, additional phone numbers for me and personal information. When I told them I ca n't speak at work, they begin to yell and threaten me about wage garnishments and telling my co workers.
|
| 12/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
payment made XX/XX/2021 {$310.00} to XXXX XXXX XXXX directly after calling Conserve who said to pay XXXX directly and the collections would be remedied. Conserve then hit by credit and refused to remove themselves from my credit report stating I was delinquent still. Despite having paid XXXX XXXX XXXX directly.
|
| 08/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft and have several negative accounts that were opened without my knowledge. This company continues to tarnish my report after several attempts of asking them to show me how its being verified. Debt was charged off and company still illegally is reporting false information
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Checked credit report and it shows I owe a college money. When I was in school, I received grants for everything or paid out of pocket. Never filed for a loan so I do not know why they are trying to receive money from me. I was never notified about this in any fashion. Nothing via mail, email or phone call.
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ConServe owns my SBA loan debt, but never attempted to collect on it. Any payments made were collected by Treasury. Despite trying to contact ConServe, I have been unable to speak with them about this debt. For the last two years, Treasury made no collection, and I did not hear anything from anyone.
|
| 08/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
On XX/XX/2019 i got into a car accident in XXXX, TX. They flew me to a Military Hospital In XXXX XXXX, called XXXX XXXX XXXX XXXX. Its been 2 years now and they are taking 15 % out of my paychecks, and threatened my boss if he didn't. I'm a single mom. My money is limited, and I have bills to pay.
|
| 03/11/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.
XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.
They are taking anything that I am supposed to get back from my Income taxes to pay this debt.
|
| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 02/01/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The cost is {$310.00} to XXXX XXXX XXXX. The credit bureau handling my case is constantly calling my employer, even contacted other departments I do not work in. Threatening other employees and stating they have tried to call me multiple times. They even asked to speak to my supervisor.
|
| 12/11/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION.
THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.
|
| 04/25/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
XXXX sold my loan to a debt collection agency, in the middle of a pandemic. I am unemployed and was under the assumption that student loans were being deferred for a few more months. Also, not sure how federally subsidized student loans can be sold to private debt collection agencies.
|
| 09/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted this company in regards to a delinquent account they are reporting on my credit report. I asked them to validate this account and they have yet to do that. On top of not validating the account they never marked this account as " disputed by consumer '' on my credit report.
|
| 11/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent this company a debt validation letter and have received no response in reference to this account.
I also never received any notice of my rights to dispute, and they are reporting inconsistent/incorrect/unvalidated information on the account across two credit bureaus.
|
| 11/07/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX MUST CEASE AND DESIST COLLECTIONS ON CONSERVE ACCOUNT NO.XXXX XXXX XXXX XXXX AND XXXX XXXX LOAN NO.XXXX DEALING WITH THE ORIGINAL CREDITOR XXXX. ( SEE ATTACAHED ) THEY KEEP VIOLATING THE DODD-FRANK ACY, INDIANA 'S ATTORNEY DO N'T CALL RESGISTRY AND T.C.P.A.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Conserve Employees show last collection made on account was in XXXX yet they falsely reported a collection attempt in XXXX of XXXX. They don't even have record of the collection attempt in their records and still falsely reported an attempt to collect an already paid off debt.
|
| 10/04/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I registered for XXXX with XXXX they said that I wasnt cleared through fafsa so I have to pay out of pocket after I already was enrolled in classes. I dropped the classes DURING the add/drop period and I still received a debt collection with the cost of XXXX please dispute.
|
| 09/03/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was in collections. I paid it off in full for the amount of {$120.00} on XXXX XXXX, 2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.
|
| 04/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was XXXX / XXXX / XXXX at XXXX .
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX XXXX XXXX allowed me to register and get books on financial aid. Two days after class started, they decided not to allow me to use financial aid after I have purchased books on my financial aid. They refused to take the books back and stuck the balance on my credit.
|
| 09/03/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was in collections. I paid it off in full for the amount of {$120.00} on XX/XX/2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.
|
| 10/07/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was affected by the XXXX XXXX and furloughed by the time i had to pay for the balance. I told the school and there was nothing to do therefore i paid it late. The school updated my balance and yet the collection agency is still reporting it. The balance is paid.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Conserv account has been paid.
This item paid collection account from XXXX XXXX account number XXXX paid in full XX/XX/2019 is inaccurate because I have paid off the collection account. I am requesting that the item be removed to correct the information.
|
| 09/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection is reporting TWICE on my credit report. with two different account numbers. XXXX and XXXX same dollar amounts. i don't know what they are trying to pull. This does not appear to be legal and it appears to be shady collection practices.
|
| 02/25/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reviewed My XXXX , XXXX , and XXXX report and say this collection from Conserve I have never had an account with Coserve nor do I owe the original creditor any money. I would need some kind of validation show how and why I owe this money.
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company sent me a letter stating they represent the IRS. The letter states an incorrect amount and doesnt reflect the payment arrangement made with the IRS. This debt was paid today. I want this company to stop sending me communications.
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.
|
| 09/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.
|
| 12/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Received a call before XXXX AM on XX/XX/2021 and there was no voicemail left. Unsure of why they are calling as I dont believe I have any accounts with them. Ive not received any letters or emails stating I have any money owed to them.
|
| 08/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Keeps calling me at XXXX XXXX. Even though I told them its XXXX XXXX in Alaska.
Company representatives just go silent after I say I will complain but do it again next day.
Conserve XXXX ( XXXX ) XXXX is number they are calling from
|
| 05/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
My school loan was defaulted abruptly, And I wasnt given a fair and reasonable chance to make a payment I was immediately sent to collections which has resulted in my score being Ruin, and me not being able to secure any financing.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt with XXXX and they told me that it would be removed from my credit and it was n't. Also I search on XXXX Office of Financial Regulations this debt collector business is not licensed to collect in the state of XXXX.
|
| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 07/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This accounts is reporting as a collection and is showing payment history. Also a 1 month term which is not applicable. They also keep updating my balance every Month. Wrong details on credit report and not properly validated.
|
| 08/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXXXXXX XXXX and I am submitting this complaint on behalf of myself without any influence to a third party or agency. The debt collection company falls under the FDCPA and they have violated several federal laws.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX university sent a debt to conserve for collects. I was never fully enrolled until college. I did not meet all the requirements to be enrolled. This debt is for classes that I couldnt not take due to not being enrolled
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX UNIVERSITY and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$2400.00}
|
| 12/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit today, XX/XX/2022, I found a debt collections account open. I was never noticed or contacted about any debt or debt collection for {$120.00} with ConServe. I don't even have access to pay it off.
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am getting repeated phone calls on my cell phone for debt that is a relatives debt and not my own. I have repeatedly told them that they have the wrong # and I do not speak to this relative but they continue to call
|
| 09/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have paid over 85 % of the debt, and I have contacted CONSERVE several times asking that the remainder of the debt be discharged and have my credit report updated. However, I have not heard anything back from them.
|
| 09/17/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
ON AGAIN CONSERVE VIOLATING THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT ( TITLE X ). CALLING WORK, FAMILY AND FRIENDS REGARDING ACCOUNT XXXX. THIS ACCOUNT WAS PAID INFULL ON XX/XX/2019. SEE ATTACHED.
|
| 03/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
opened XX/XX/2014 in the amount of XXXX dollars. I have disputed this account and they have yet to remove it. THIS IS NOT MY ACCOUNT and they will not send me verified paperwork of the original account SIGNED BY ME.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report.
Conserve {$1100.00} XXXX XXXX XXXX {$100.00} 01 XXXX {$390.00}
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CONSERVE TRYING TO COLLECTING MONEY FROM ME. I SEND LETTERS AND EMAIL TO THEM STATE THAT I DIDNT responsible FOR THE DEBT. THEY DIDNT REPLY, DIDNT CONTACT ME ABOUT IT. JUST REPORT IT TO XXXX credit bureaus
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ConServe is attempting to collect a debt owed on an XXXX loan to the U.S. Government. They are charging interest and 1/3 admin fee, and refused to offer a settlement or allow me to make a settlement.
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Conserve is reporting a debt on my credit for {$130.00}. I sent a certified letter, on XX/XX/2022 asking for documentation and validation of the debt. They have not responded to date ( XX/XX/2022 ).
|
| 01/04/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.
|
| 05/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2019, XXXX XXXX was contacted regarding a debt allegedly owed by XXXX XXXX. The type of debt was not discussed, but XXXX XXXX has never been a cosigner for XXXX XXXX at any point in time.
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XXXX on XX/XX/2023 I called conserve debt collectors. I asked for proof of the debt and I was told, " we do not need to send that we are a contractors with the school not a debt buyer ''.
|
| 03/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
|
| 07/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.
|
| 06/27/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection XXXX, who reported the inaccurate amounts to the Dept of Ed.
|
| 10/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
|
| 04/25/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Turn over debt collection agency. Called conserve web in my. I went XXXX in XXXX, nc.
They had know about law suit, took fed income tax returns. Making payments of XXXX month.
|
| 06/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted conserve they are still showing as a delinquent account on all XXXX of my credit reports these have been closed for 2 years now and they still show as new.
|
| 10/11/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
|
| 07/31/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score
|
| 11/26/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR.
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.
|
| 01/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I am repeatedly receiving calls from from ConServe XXXX. They do n't leave a message and when I called them back, they had no record of me or my number in their system.
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is a collection listed on my credit file that I know I do not owe, I have disputed it and requested validation and received nothing. Please help ''Conserv XXXX
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.
|
| 05/10/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They called and we agree 'd i 'd pay XXXX dollars a month to pay off my debt but never told me that XXXX dollars of that per month would be going towards fee 's.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/05/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Conserve claimed that I authorized repeated payments, and they continued to take monthly payments out of my account, they also lied about previous payments.
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a debt collections account delinquency added to my credit report.
No prior contact was made by the company, Before adding it to my credit report.
|
| 05/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Victim of ID theft, I am being contacted about a debt in the amount of XXXX dollars By Conserve/XXXX XXXX. I have no business with this compnay.
|
| 10/03/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They called my parents instead of me regarding my student debt. Doing so is illegal as they can't share my information with anyone else but me.
|
| 01/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Company is reporting an inaccurate debt owed to them on behalf of XXXX XXXX College. XXXX XXXX College has indicated no balanced is owed.
|
| 09/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money
|
| 09/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Why is this on my credit file, I have disputed with no response back. I do not recall this account, please have this company remove
|
| 12/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Conserve- DEBT NOT MINE- IDENTITY THEFT. I have made multiple attempts to fix this. I never utilized any type of credit with them.
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i have contacted this company and sent them letters with all of the required information to prove that this account is not mine.
|
| 04/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Conserve company is attempting to collect {$1100.00} for a debt which I am not responsible for. It is affecting my credit score
|
| 10/05/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I asked to request for the alleged debt on XX/XX/2022, its been over a month and I still haven't received anything from them.
|
| 05/29/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Contacts me at work after i told them it is not acceptable and that my job was now in jeopardy because of their calls
|
| 12/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have paid my account in full I received a letter stating it would be removed and still showing on my credit report
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reached out to this company on several attempts to request debt validation and have gotten no response.
|
| 03/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
attempting to collect 30 % collection costs, no agreement.
collecting an invalid debt, debt does not exist.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ConServe agreed to delete this collection account from my credit report and has failed to do so.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 06/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
{$2000.00} false amount, no contract with company, not my account, not licensed in sc
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX college was frauded. Ive not attended college here since 2011. Send validation
|
| 12/06/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This Debt collector : Conserve is not licensed in Texas.
They are based out of NY.
|
| 09/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received an unauthorized inquiry on my credit report without my consent.
|
| 06/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no knowledge of this debt. I never received a right to dispute.
|
| 03/03/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I called and they basically didnt tell me what i owe them XXXX for
|
| 07/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no affiliation with this debt or this college
|
| 05/27/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This student loan dose not belong to me wrong person
|
| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt of XXXX was satisfied on XX/XX/2018.
|
| 06/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
See Attachments
|
| 02/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
|
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/19/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem with forgiveness, cancellation, or discharge
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American |
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Student loan
- Private student loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Phone |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
|
|
|
| 12/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/26/2021 |
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
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
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
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/30/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Servicemember |
|
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 09/02/2020 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 05/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/23/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/03/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/19/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/15/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 07/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
Older American, Servicemember |
|
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/07/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Problem lowering your monthly payments
|
|
Referral |
|
|
|
| 04/30/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
Servicemember |
|
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/21/2018 |
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
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Fax |
|
|
|
| 03/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/05/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
Older American, Servicemember |
|
|
| 01/29/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/22/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/10/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/19/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 05/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
Servicemember |
|
|
| 04/07/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/11/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 03/05/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 02/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Phone |
|
|
|
| 02/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Servicemember |
|
|
| 02/09/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/31/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 12/26/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 11/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/25/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 10/24/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 10/11/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Postal mail |
|
|
|
| 09/28/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 08/24/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 08/19/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/03/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 08/01/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 07/18/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Postal mail |
|
|
|
| 07/13/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 07/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/04/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/15/2016 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 05/03/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/19/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 10/13/2015 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/01/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/31/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 07/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/24/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 06/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/08/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 05/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/07/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Referral |
|
|
|
| 05/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/06/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
Older American |
|
|
| 03/30/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
|
|
|
| 03/18/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 03/13/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 01/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 12/07/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 10/21/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 10/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 08/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
Older American |
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 06/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/21/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 06/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 04/30/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 04/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/20/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/01/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 03/17/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/15/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 03/13/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 03/02/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 02/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 02/02/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/27/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/20/2014 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/15/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/21/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/10/2013 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/29/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
|
| 10/20/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/19/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/12/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/10/2013 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 08/14/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/02/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/02/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/25/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/06/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 04/26/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Postal mail |
|
|
|
| 04/23/2013 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 01/02/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Web |
|
|
|
| 07/06/2012 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|