Credence Resource Management, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80209
Web
In summary, I opened an XXXX XXXX XXXX XXXX account in late XX/XX/XXXX and purchased a cell phone on an XXXX XXXX XXXX installment plan. After deciding I did not want to keep the phone and move forward with my newly-created XXXX XXXX XXXX account, I returned the phone within the 14-day return period on XX/XX/XXXX and closed the XXXX XXXX XXXX XXXX account. To this day, my closed XXXX XXXX XXXX account still indicates a past due balance of {$600.00} after numerous failed attempts to help XXXX XXXX XXXX resolve this issue. Since around the beginning of XX/XX/XXXX, I have received numerous daily debt collection calls from an external collection agency, and with each passing day, my personal credit score and history is at risk. XXXX XXXX XXXX has repeatedly ignored this issue -- while it may not be a significant matter for a company as large as XXXX XXXX XXXX, it is a considerable issue for me that has taken hours of my life to attempt to resolve. XXXX XXXX XXXX has never given me the opportunity to speak to a supervisor ( despite repeated requests ) and has ignored my requests to not seek debt collection, as this issue is a result of their own inability to locate the returned device. I will never conduct business with any XXXX XXXX XXXX company again, and I will encourage my family and friends not to do so as well. I am also an attorney and am prepared to seek legal resolution to this issue if XXXX XXXX XXXX does not meaningfully address and resolve this issue through this CFPB complaint. A detailed chronology of events follows. XX/XX/XXXX -- I purchased a XXXX XXXX XXXX XXXX - 128 GB - XXXX XXXX XXXXXXXX on a monthly installment plan on XXXX XXXX XXXX 's website ( Order # XXXX -- please see attachment " XXXX XXXX XXXX XX/XX/XXXX Order Confirmation Email.pdf '' ). While I placed the order online, I chose to pick it up at my local XXXX XXXX XXXX store. In doing so, I also created a new XXXX XXXX XXXX XXXX account ( I was not previously an XXXX XXXX XXXX XXXX customer ). XX/XX/XXXX -- I picked up the cell phone reference above at my local XXXX XXXX XXXX store ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). XX/XX/XXXX -- Not wanting to have to return to the XXXX XXXX XXXX store, I looked up my XXXX XXXX XXXX order referenced above on XXXX XXXX XXXX 's website and requested to return the device ( understanding that in doing so, I would receive a full refund for the device, as I was still within the 14-day return period ). In doing so, XXXX XXXX XXXX provided me with an email confirmation of my return request ( please see attachment " XXXX XXXX XXXX Return Confirmation Email XXXX '' ). I used the link in that email to access and print out my XXXX XXXX XXXX-provided return shipping label ( please see attachment " XXXX XXXX XXXX Shipping Label.PNG '' ). XX/XX/XXXX -- I packaged the cell phone in all of its original packaging and affixed the XXXX XXXX XXXX return shipping label reference above to the box. I then dropped the package off at my local USPS location ( please see confirmation of drop-off in attachment " USPS Tracking Information.JPG '' ). On or about this date, I also closed my XXXX XXXX XXXX XXXX account by porting out my number on the account ( XXXX ). XX/XX/XXXX -- USPS delivered the package as indicated in the attachment " USPS Tracking Information.JPG, '' which notes " picked up by shipping agent '' on XX/XX/XXXX at XXXX XXXX. XX/XX/XXXX through XX/XX/XXXX -- I received approximately five written " past due notices '' from XXXX XXXX XXXX indicating a past due balance on my closed XXXX XXXX XXXX XXXX account ( account # XXXX ) of {$600.00} ( i.e., the total cost of the device and taxes ). During this time period, and throughout XX/XX/XXXX, I called XXXX XXXX XXXX 's customer service number at least ten times. Each time, I explained the chain of events noted above, was told a new " case '' was opened, and that my past due balance would be resolved within 3-5 business days. Each time, nothing happened, and I continued to receive past due notices from XXXX XXXX XXXX in the mail ( please see the " final notice '' past due balance letter in attachment " XXXX XXXX XXXX Final Notice Letter XXXX '' ). Each time I was told a new case was opened during this period, I was also told that I would receive a case tracking number via email within 24 hours -- despite asking and confirming with the XXXX XXXX XXXX agent each time, I never received a case tracking number within 24 hours ( or ever ) after any contact with XXXX XXXX XXXX. On nearly every occasion when calling, the line was disconnected ( and I never received a call back ), I was told I would receive a return call from a supervisor ( and never did ), or I was shuffled between numerous " departments '' within XXXX XXXX XXXX 's customer service center ( and each time had to explain the entire chain of events again, despite the fact that the previous agent had noted the call details on my account ). Furthermore, on every occasion when calling during this period, the XXXX XXXX XXXX agent confirmed the details of my cell phone order ( and return ) and confirmed that I am eligible for a full refund ( as the device was returned within the 14-day return period ) and that the USPS tracking number indicates my device was returned to XXXX XXXX XXXX warehouse. XX/XX/XXXX -- As I grew in concern that this past due " debt '' still remained on my closed account, I contacted XXXX XXXX XXXX 's customer service number again and spoke with an agent who told me a new case was created and that the balance would again be resolved within 3-5 business days. This agent also told me he could not immediately provide me with a case tracking number but that I would receive one within 24 hours ( I never did ). This agent did, however, provide me with his XXXX XXXX XXXX agent ID, which was XXXX. On or about this date, I also started receiving approximately 10 debt collection calls per day from Credence Resource Management , LLC, noting that I owed {$600.00} in past due balance to XXXX XXXX XXXX. I also received a written letter from Credence noting the same ( please see attachment " Credence Debt Collection Letter XXXX '' ). XX/XX/XXXX -- Still receiving calls from Credence, I called XXXX XXXX XXXX 's customer service line again and spoke with an agent who told me that previous agents ' statement that I could not immediately receive case tracking numbers was incorrect. She also noted the XX/XX/XXXX agent ID ( XXXX, noted above ) and indicated she would report him for giving me false information. This XX/XX/XXXX agent told me that looking at my account notes, no case had ever been created. On this day, this new agent actually created a real case, immediately provided me with a case tracking number ( XXXX XXXX, and told me that the case ( and my past due balance ) was scheduled to be resolved on XX/XX/XXXX. This agent also noted that as I would not be receiving confirmation of case resolution, I should contact XXXX XXXX XXXX again on XX/XX/XXXX to confirm the case 's progress. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 30 minutes. After 30 minutes, I ended the call, expecting not to be able to speak to a supervisor that day. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I was told to wait a few more business days and that nothing could be done at that time. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 30 minutes. After 30 minutes, I ended the call, expecting not to be able to speak to a supervisor that day. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 15-20 minutes. After this time had passed, the agent ( whose name was XXXX ) told me that no supervisor was available and asked for a good number for one to contact me within one hour. I gave XXXX my number and confirmed it with her. I also confirmed with XXXX that I would receive a callback from one of her supervisors within one hour. To do this, I have received no call, email, or any other form of contact from anyone at XXXX XXXX XXXX. XX/XX/XXXX through XX/XX/XXXX -- On each day throughout this period, I have continued to receive debt collection calls from Credence. XXXX XXXX XXXX has made zero meaningful effort to locate the device, stop debt collection calls, or keep me informed of updates. My personal credit score and history continues to be at risk if Credence decides to report my debt to any credit agency.
03/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 95205
Web Servicemember
XXXX XXXX XX/XX/XXXX RE : XXXX XXXX XXXX {$120.00} Erroneous Charges Posted to Credit Reports I am filing this FCC complaint against XXXX XXXX XXXX because it is violating the rules established by this regulatory agency. It has failed to respond to the complaint filed against it and is working with on of it employees to hack my devices and email accounts to prevent to receipt and submission of correspondence with the government agency. BACKGROUND On XX/XX/XXXX, I contacted XXXX XXXX XXXX for Residential Internet Service. On XX/XX/XXXX, I received a gateway, XXXX XXXX XXXX, and a XXXX XXXX XXXX Residential Technician XXXX arrived and repaired the outside wiring to receive a connection. On XX/XX/XXXX, an XXXX XXXX XXXX Supervisor arrived to XXXX XXXX XXXX and provided an Extender for Cell Service. I spoke with the XXXX XXXX XXXX supervisor because he knocked over my garbage container. I noticed that XXXX XXXX XXXX is simultaneously connected at resident XXXX XXXX XXXX each time it is connected at my residence, XXXX XXXXXXXX XXXX On XX/XX/XXXX, I connected the device for one hour to complete the home installation. I did not connected the device again until XX/XX/XXXX. On XX/XX/XXXX, I began having connection issues. On XX/XX/XXXX, the connection issues became unbearable when I had no connection. On XX/XX/XXXX, or thereabouts, XXXX XXXX XXXX sent out a technician. As a typical troubleshooting procedure, the technician tested the signal strength. In response, the technician provided a new gateway of the same type. Again, the connection issues continued and resetting the device did not resolve the issue. On XX/XX/XXXX, another XXXX XXXX XXXX technician arrived, tested the signal strength, and exchanged the gateway. From this point until XX/XX/XXXX, I contacted AT & T about the service not connecting and not being able to access the service that I pay each month. On XX/XX/XXXX, an XXXX XXXX XXXX supervisor arrived at XXXXXXXX XXXX. to provide a fourth gateway, which had not been provided because the XXXX XXXX XXXX technician did not arrived. After all of the connection issues, I just unplugged the gateway from the power outlet and did not use the service again fully until XX/XX/XXXX. This is when XXXX XXXX XXXX began to bully, intimate, threaten, and attempt to extort money from m because I filed a FCC complaint. On XX/XX/XXXX, I connected the XXXX XXXX XXXX gateway to access the Internet service I pay for each month, but I had no connection yet again. I noticed an IP Address XXXX was the cause of my connection problems. This IP address was making a connection to the gateway before any device I had connected. It appeared that if this IP Address didnt connect first, none of my devices would be able to connect either. This IP Address XXXX is an XXXX XXXX XXXX Technician remote access connection. However, XXXX XXXX XXXX technicians ran test and stated it was a line issue. After hearing this repeatedly that there was a line issue, I asked XXXX XXXX XXXX to repair the line. XXXXXXXX XXXX XXXX refused, but, instead, began to bully, intimidated, and harass me by refusing to perform any troubleshooting procedures to fix the Internet connection issues. Throughout the month of XX/XX/XXXX, I had no Internet. I contacted XXXX scheduling an appointment for XX/XX/XXXX for Internet service. On XX/XX/XXXX, I filed a complaint with the FCC XXXX Federal Communications Commission ) against XXXX XXXX XXXX for its retaliatory actions for requesting to have access to the Internet services I paid for each month. On XX/XX/XXXX, I learned XXXX XXXX XXXX changed my service from XXXX to XXXX download speeds. In addition, XXXX XXXX XXXX charged me for both my regular XXXX service fee and its changes for XXXX data speed. This became XXXXXXXX XXXX XXXXXXXX avenue to attempt to extort money from me for contacting the FCC and learning that there was an issue with the service ( Line 2 ) constantly disconnecting creating the interruption. On XX/XX/XXXX, I called XXXX XXXX XXXX Technical Support and inquired if I could use my own gateway device to connect to the Internet service. I was advised I could and began researching the Internet over my mobile table for compatible devices. The compatible devices needed to be XXXX for XXXX XXXX XXXX service to work with it. I found a compatible device and cable costing {$250.00} or thereabouts. The items were a modem, non-wireless router, and 50-ft cable. These items were later purchased. On XX/XX/XXXX, XXXX technician came and installed cable Internet service. On XX/XX/XXXX, XXXX XXXX XXXX Supervisor XXXX and Technician XXXX came out and dismantled the XXXX XXXX XXXX XXXX where the Internet connections are making the connection insecure. XXXX XXXX XXXX Supervisor XXXX attempted to intimidate and threatened me by saying no more technicians will be coming to home to service the connection. XXXXXXXX XXXX XXXX technicians wanted access inside me home when the connection to its service were in my garage, outside my home on the property and across the street located at XXXX XXXX XXXX. The line issue was never repaired although technicians tested the line and had many problems locating the signal for service. In XX/XX/XXXX, XXXX XXXX XXXX overcharged me for months of service ( XXXX, XXXX ) when I did not have Internet service. On XXXX, the due amount for these months became {$5.00} with credits by the XXXX XXXX XXXX Customer Service department XXXX However, in XX/XX/XXXX, the due amount became {$180.00}, which was removed credits. Therefore, XXXX XXXX XXXX began to apply credits the previous month of when I filed a FCC complaint and remove credits the following month. This continued until XX/XX/XXXX. In XX/XX/XXXX, I followed through with the purchase of my own gateway devices such as modem, non-wireless router, and cable. I did not use my devices because the Internet service began working consistently when I used my new cable for connection to the gateway. I paid my new monthly fee of {$55.00}, which increased after the first FCC complaint against XXXX XXXX XXXX. On XXXX, I decided to setup my new modem and non-wireless router. I contacted XXXX XXXX XXXX about assistance. It was at this time XXXX XXXX XXXX informed me that I could not use my devices standalone on its network, but could connect my device behind its gateway. That means I had to have its device connected first and my device connected second. I disagreed with this decision and returned it gateway, which meant I was no longer using it service.. I continued paying the monthly fee of {$55.00} until XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX Customer Service pay my bill for the months of XXXX and XX/XX/XXXX and cancel my account. I paid for XX/XX/XXXX. On XXXX, I paid for XX/XX/XXXX and canceled. PRESENT STATUS I have not used XXXX XXXX XXXX service since XX/XX/XXXX. I made a final payment to XXXX XXXX XXXX XX/XX/XXXX. However, XXXX XXXX XXXX continued to charge me. In XX/XX/XXXX, I filed another FCC complaint against XXXX XXXX XXXX for a bill of {$250.00}, which it decreased to {$120.00}. However, my question before this agency was and is what does this charge cover and the period of time? XXXX XXXX XXXX can not say that this charge is for service because I have not used it services since XX/XX/XXXX. XXXX XXXX XXXX can not say this charge is for the gateway because I returned all of its gateways thru XXXX which I have my receipt as evidence. On XX/XX/XXXX, I learned that XXXX XXXX XXXX added this charge to my XXXX credit report in complete violation of the Fair Credit Reporting Act ( FCRA ). I have not received any communication. I learned of this change to my credit report through a credit monitoring company. ALTERNATE RESOLUTION I propose the following resolution. I request that : a ) XXXX XXXX XXXX provide evidence of Internet service to my residence via a connection through one of its gateway from XX/XX/XXXX until XX/XX/XXXX substantiating its right to payment in the amount of {$120.00} ; b ) XXXX XXXX XXXX be fined for violations of the FCRA if it is unable to substantiate it claim of non- payment of Internet services in the amount of {$120.00} as posted to my XXXX credit report ; and/or, c ) my statement herein be used to initiate the formal complaint process against XXXX XXXX XXXX if neither a or b is actionable. Respectfully, XXXX XXXX
12/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77520
Web
On XX/XX/XXXX a collection account has been wrongfully placed on my credit report by your office and you are being held responsible from here on out. You are currently reporting : Credence Resource Management for the amount of {$13000.00}. I want to inform your office that you are violating my right by reporting inaccurate information on my consumer credit report of collections that are being opened by me, I have no knowledge of them, be advised by the law I have the right to dispute these inaccuracies and have them removed. You are in violation of FCRA. You are falsely and inaccurately reporting information on a collection I have no knowledge of. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 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. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
12/31/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78634
Web
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY R EPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached https : XXXXXXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. Account Name : Credence Account XXXX :
03/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27617
Web
XXXX Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with TXXXX XXXX XXXX XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from XXXX ( XXXX ) and/or XXXX ( XXXX ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 XXXX, Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. XXXX. CREDENCE RESOURCE MANAGE XXXX {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
02/20/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • XXXXX
Web
I received a letter under my door from my neighbor on XX/XX/2023, from Credence Resource Management LLC. The first thing I noticed was that the address was wrong. The correspondence was an offer to settle my account at a reduced amount. I sent them an e-mail about them possibly granting me a 'Pay For Deletion '. After I sent them the e-mail, I called their customer service line to correct my address in their system. When I called, I was transferred to a gentleman who claimed he was a supervisor at Credence. He reminded me that the call was being recorded because it was an attempt to collect the debt. He asked told me the amount and about the offer, I told him I wasn't calling to make any payments because I sent Credence an e-mail and rather wait for a response. After some pushing and claiming he can help me, just told me what I wanted, and told him I didn't want to try and get a 'Pay for Delete ' in which he said he can do that for me. I even reminded him that he was saying this on a recorded line. He says he knows and that he's not lying after he said they don't put them in writing. I asked his name and he said his name was XXXX. ( I asked him again because I didn't believe him. ) Things even go contentious on the phone because he wanted to take my card info and charge at the agreed payment date. I declined because I'd never been comfortable with that method. He backtracked on his agreement for which I called him on it and he denied he was doing that. He stated that I would have to pay the full amount of my debt after I decline to pre-submit my debit card information. * ( The call was on XX/XX/2023, beginning at XXXX XXXX EST and lasted 20 minutes and 25 seconds from number XXXX ) Below is email # 1 to Credence : _____________________________________________________________________ Date : XX/XX/2023 RE : REGARDING THE FOLLOWING ACCOUNT Reference Number : Original Creditor : T-Mobile Amount Listed : {$390.00} Dear Credence, I, ____________________, am writing this letter to humbly request to create a plan to settle the alleged amount due of {$390.00} that you graciously offered me via letter. I am recovering from some financial hardships brought on by the pandemic so it helps. Please note that while I am offering to accept this amount of money to settle the debt, this is not my acknowledgment of its liability. I need to ask for further help from Credence. I am hoping that we can come to a mutual agreement to settle this debt and you would be gracious enough to help me save a 7 to 10-year hit on my credit report. Please consider the following : 1. Remove all information regarding this debt from the credit reporting agencies XXXX, XXXX, and XXXX ; 2. Payment will be made to satisfy the payment in full under the Account ; 3. This debt will be deleted from your records ; and 4. There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are acceptable to you, I am willing to pay this debt in two payments of {$170.00}. I would like to only correspond to an individual who is an official representative of Credence with the terms of this offer expiring in thirty ( 30 ) days upon receipt. Also, if agreed, I would need an e-mail stating the acceptance of the terms on company letterhead. ( .pdf files or document scans will also be acceptable. ) Hoping for a mutually beneficial outcome for both Credence and myself. I can be contacted via the following : Email : __________________ Phone : _______________________ Respectfully, _____________________________________________________________________ After my conversation with XXXX at Credence, I received an e-mail responding to my email # 1. _____________________________________________________________________ Hello, We are in receipt of your email, dated XX/XX/2023 Please be informed that upon payment of the offer amount your account will be marked as resolved less than the full balance. We will inform all credit reporting agencies that we have reported, to mark the account as paid in full/ resolved less than the full balance. The offer amount can be paid in installments at your convenience and ease. To activate the payment plan on your account, please call on our toll-free number XXXX and our executives will be happy to help you in scheduling the payment arrangement as per your request for the said account. Please feel free to contact us if you have any questions or concerns at : Credence Resource Management , LLC _____________________________________________________________________ After reading this e-mail, I sent Credence e-mail # 2 to inform them of the arrangement that was promised to me on a recorded line that was for a 'Pay for Deletion '. This e-mail # 2 to Credence : _____________________________________________________________________ Good morning, Thank you for the response. I have one concern I would like to bring up. Yesterday, I had a long conversation with a gentleman who claimed his name was XXXX. He said he was a Supervisor. During the call, I was reminded ( and I kept stating to XXXX during our conversation ) that I was being recorded. I was told on more than one occasion that my account would be " removed '' from my credit report fully. The call was yesterday, XX/XX/2023, beginning at XXXX XXXX EST and lasted 20 minutes and 25 seconds. I called from number ______________________. Since you have it recorded, please look into the conversation yourself, please because there is a major contradiction between your e-mail and the guarantee your customer service supervisor ( XXXX ) told me during our recorded conversation. Patiently awaiting your response, _____________________________________________________________________ This was Credence 's response. e-mail # 2 : _____________________________________________________________________ Hello, We are in receipt of your email, dated XX/XX/2023 We apologize for the inconvenience you may have experienced thus far. Please be informed that this email itself is the confirmation stating that the offer amount can be paid in installments at your convenience. Also be advised that once the offer amount is paid, your account will be marked as resolved for less than the full balance. We will also inform all credit reporting agencies that we have reported, to mark the account as resolved less than the full balance. Please feel free to contact us if you have any questions or concerns at : Credence Resource Management , LLC _____________________________________________________________________ As you can see, they only addressed my concern as an " inconvenience, I may have experienced '' I feel that Credence is obligated to honor the agreement made by their representative, just as I would be held to honor any payment arrangements or any agreements I would've made to them. As they mentioned, my calls were recorded in attempts to collect a debt. The transcripts of that call will verify my claims. I was misled that I had an agreement to have my debt deleted from my credit report.
03/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31768
Web
PURSUANT 15USC1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I THE CONSUMER CHECKED MY CONSUMER REPORT AN NOTICE CREDENCE RESOURCE MANAGEMENT SAYS THAT I HAVE A DEBT OF {$2900.00} I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY I ASKED FOR VALIDATION OF THE DEBT, ORIGINAL CREDITOR, ORIGINAL CONTRACT SIGNED BY BOTH PARTIES.THEY SENT THE CONSUMER A MADE UP VERIFICATION OF BALANCE WHICH IS NOT A CONTRACT THEN THEY SENT THE CONSUMER A FAKE CONTRACT IN WHICH IT IS NOT MY SIGNATURE ON I. ALSO IF THE DEBT WAS ALLEGED ACCOUNT WAS OPENED XXXX CREDENCE SAYS XXXX HOWEVER THE COPY OF THE ALLEGED CONTRACT HAS XXXX XXXX AS IF THEY JUST COPIED AN PASTE TO MAKE THE DEBT LOOK ACCURATE THEY ARE USING UNFAIR AN LAWFUL MEANS TO COLLECT A DEBT THEY ARE USING FALSE AN MISLEADING FORMS.. THEY VIOLATED THE FDCRA. CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX To Whom this may concern. I the CONSUMER ( 15 USC 1692a ( 3 ) ) agree to any debt obligation or alleged obligation that I may LAWFULLY OWE, ONLY IF THEY'RE COLLECTED FAIR, LAWFUL AND FOLLOW GUIDELINES ACCORDING TO THE ( FDCPA ). Pursuant to 15 USC 1692- Congressional Finding The FDCPA was created to make sure I the consumer retain fairness when it comes to the collection of my alleged debts. I the consumer has noticed that there is an abundant amount of abusive, deceptive, an unfair practice being done to me when it comes to CREDENCE RESOURCE MANAGEMENT, they have violated ONE OR MORE OF THE FDCPA GUIDELINES. I THE CONSUMER NOTICE THAT DEBT COLLECTORS LIKE CREDENCE RESOURCE MANAGEMENT NOT ABIDING BY THE FDCPA LAWS IT MAKES ALL DEBT COLLECTORS LOOK LIKE FRAUDSTERS, WHICH IS NOT FAIR TO THE HONEST DEBT COLLECTORS ' REPUTATION. ( 12CFR1006.1 ( a ( b ) ). I the consumer requested a VALIDATION OF THE DEBT ( 15 USC 1692g ( b ) ) from CREDENCE RESOURCE MANAGEMENT on XX/XX/XXXX they sent me an email on XX/XX/XXXX with VERIFICATION OF BALANCE STATEMENT ( 15 USC 1692b ( 2 ) contained statement this is an attempt to collect a debt ) which is not a VALIDATION OF THE DEBT. Nor it is an original contract or invoice signed by both parties. I the consumer responded on XX/XX/XXXX. This is NOT A CONTRACT OR INVOICE. CREDENCE RESOURCE MANAGEMENT responded on XX/XX/XXXX with a COPY OF A FALSE AND MISLEADING CONTRACT. That is in fact not a CONTRACT or a legal binding instrument as a legal binding instrument require signatures of BOTH participating parties. The signature on the alleged contract isn't even my signature it also doesnt contain signature of other party. I the consumer also request that you send me a copy of a signed agreement between I the consumer and credence resource management. ( 15 USC 1692d ( 2 ) IT WAS OBSCENE AN PROFANE TO ME ) that they are attempting to collect a debt with a positive balance of {$2900.00}. I the consumer would like to state under the FDCPA 15 USC 1692e ( 2 ) ( A ) The amount that is allegedly owed is FALSE AN MISLEADING information. Under 15 USC 16 66 the statement contains a billing error with debt being a positive and not a negative balance. To my understanding if the balance is positive how can this be considered a debt? ALSO ACCORDING TO XXXX, I OWE THEM NOTHING. THIS DEBT IS UNPLAYABLE DUE TO BALANCE BEING POSITIVE AND ACCORDING TO ( ARTICLE 1 SECTION US CONSTITUTION DEBTS CAN ONLY BE PAID WITH GOLD AN SILVER ). I the consumer HAS NEVER DONE ANY BUSINESS WITH CREDENCE RESOURCE MANAGEMENT I the consumer also notice that CREDENCE RESOURCE MANAGEMENT has a different date for the opening date of alleged debt than on MY CONSUMER REPORT according to my consumer report the alleged account was opened on XX/XX/XXXX. According to the contract that credence provided, that was allegedly given to them by the creditor the account was opened on XX/XX/XXXX. Which make this account and the reporting of this account INACCURATE. I THE CONSUMER WOULD LIKE TO INVOKE MY SPECIFIED REMEDY AS ORIGINAL CREDITOR AND CONSUMER. UNDER 15 USC 1692c ( c ) Ceasing communication - REFUSE to pay debts or alleged is the choice of the consumer I THE CONSUMER WOULD LIKE TO REFUSE THIS DEBT WHICH IS COMING FROM A 3RD PARTY COLLECTION AGENCY IN WHICH I THE CONSUMER HAVE NEVER DONE ANY BUSINESS WITH OR SIGNED ANY CONTRACTS WITH, I WOULD LIKE CREDENCE RESOURCE MANAGEMENT TO CEASE CONTACT WITH ME. YOU MAY ONLY CONTACT ME TO ADVISE THE DEBT HAS BEEN DISCHARGED, WITH THE VALIDATION OF THIS ALLEGED DEBT, OR THAT THE DEBT HAS BEEN REMOVED FROM MY CONSUMER REPORT. IN WHICH I THE CONSUMER HAS NEVER GIVEN WRITTEN CONSENT FOR ANY REPORTING AGENCIES TO REPORT ON MY CONSUMER REPORT FROM THE START. ( FCRA 15 USC 1681b ( a ) ( 2 ) ). AS IT SEEMS CREDENCE AND THE REPORTING AGENCIES IS COMMITTING FRAUD AND ( INVASION OF MY CONSUMER RIGHT TO PRIVACY BY ADVERTISING THIS ALLEGED DEBT ON MY CONSUMER REPORT 15USC1681 ( a ) ( 4 ) ) I THE CONSUMER IS REQUESTING ONCE AGAIN FOR THIS DEBT TO BE VALIDATED, NAME AND ADDRESS OF ORIGINAL CREDITOR. ( PURSUANT TO 15USC 1692g ( b ) ). I ALSO CHOOSE TO INVOKE RULE 1002 TO REQUEST ORIGINAL CONTRACT OR AGREEMENT NOT A COPY. THIS IS NOT AN ATTEMPT TO VERIFY BALANCE OR DEBT I THE CONSUMER WANT CREDENCE RESOURCE MANAGEMENT TO VALIDATE THIS DEBT as required pursuant to 15USC 1692g ( b ). ALL COLLECTIONS MUST STOP AS OF THIS LETTER INCLUDING THE REPORTING OF ANY NEW OR OLD INFORMATION TO CONSUMER REPORT OR REPORTING AGENCIES. THIS NOT AN OPTION THIS IS FEDERAL LAW PURSANT TO 15 USC 1692g ( b ). PROMPTLY DELETE THIS OFF MY CONSUMER REPORT. IF THE REQUESTED INFORMATION CAN NOT BE PROVIDED WITH IN 30 DAYS OR I RECEIVE NO RESPOND THIS DEBT NEED TO AND WILL BE DISCHARGED AN REMOVED FROM MY CONSUMER REPORT. BEING THAT IT HAS INACCURATE INFORMATION SUCH AS ACCOUNT OPEN DATE THIS NEED TO BE DISCHARGED AND REMOVED ANYWAYS. BEING IN VALIDATION THIS DEBT STILL NEED TO BE REMOVED FROM COLLECTIONS AN OFF OF MY CONSUMER REPORT. CONTACT ME VIA EMAIL XXXX MONDAY-FRIDAY SAT AN SUN-ANYTIME AFTER XXXX UNTIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX
01/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30013
Web
ON XXXX XXXX VISITED XXXX XXXX XXXX RETAILER ON XXXX XXXXXXXX XXXX XXXX GA TO INQUIRE ABOUT PROSPECTIVE PHONE SERVICE. I WAS INTERESTED IN A LOW MONTHLY SERVICE PLAN, AND UNLIMITED DATA. I WAS INFORMED THAT I WOULD HAVE A BILL EACH MONTH OF {$80.00} AFTER A WHILE OF MEETING WITH THE AGENT I WAS GREETED BY A MANAGER THAT ASSISTED ME ON THE ONLY PLAN AVAILABLE. I WAS STUNNED THAT I COULD GET A LOWER PLAN AMOUNT BUT THE AGENT SAID AHE GAVE ME THE HIGHER PLAN AND THE MANAGER SAYS " I WAS SAYING YOU COULD GIVE HER THE LOWER PLAN BESIDES THE {$80.00} BUT THEY TALKED AMONGST THEMSELVES AND NOT DIRECTLY TO ME AS I WAS PUZZLED. I WAS INFORMED THEN THAT THE ONLY PLAN I COULD RECEIVE WAS THE HIGHER PLAN FOR THAT PARTICULAR PHONE. I WAS TOLD THEY WAS NOT SURE HOW MUCH IT WOULD BE TOTALED EACH MONTH DUE TO TAXES AND OTHER FEES AND THAT THE FIRAT MONTH BILL WOULD BE EXTREMELY HIGHER. I CHOSE THE XXXXXXXX XXXX WHICH WASNT FOR ME BUT FOR MY DAUGHTER FOR HER BIRTHDAY UPCOMING. I LEFT AND WENT TO XXXX ACROSS THE STREET AND SEEN A EXACT SAME XXXX XXXXXXXX FOR {$340.00} WITHOUT CONTRACT. I STARTED TO CHANGE MY MIND BECAUSE I JUST HAD SIGNED A CONTRACT FOR {$640.00}. I KEPT ALL OF MY EMAILS, AND PHONE RECEIPTS FROM XXXX XXXX XXXX I PAID CONSISTENTLY EACH MONTH XXXX OR WHATEVER THE BILL STATED IF THERE WAS A LATE FEE I PAID THAT. I WANTED TO PURCHASE A XXXXXXXX XXXX AROUND XXXX XXXX AND I HAD THE HARDEST OF TIME OF TRYING TO DO AN ONLONE ORDER BUT I WAS PERSISTENT. I CONTACTED CHAT/SUPPORT AND EVEN REPRESENATIVES VIA PHONE TO GET PRICING DETAILS, AND ASSISTANCE WITH ORDERING. I WAS INFORMED THERE WAS A PROMOTION GOING FOR BUY ONE GET ONE FREE SALE. I WAS IN MY OPINION PRESSURED BY THE SALES REP DEPT. I ONLY ONE XXXX XXXX BUT HE CONTINUED TO EXPLAIN I COULD GET ONE BUY ONE FREE AND TO TAKE HIM UP ON THE OFFER AFTER MANY " NO 'S AND NO THANK YOUS '' FROM ME HE WAS RELUCTANT TO GIVE UP ON HIS SALES PITCH. I WAS VERY HESITANT BECAUSE WHY WOULD I NEED 2 XXXX BUT LWT ALONE 4? I BECAME AGITATED. I FELT HE HAD A COMMISSION TO DO BUT THIS WOULD MAKE MY INTERNET/WIRELESS BILL EVEN MORE HIGHER. I FINALLY GAVE IN TO HIS TACTICS AND AGREED TO GET THE BUY ONE GET ONE FREE BUT HE PROMISED ME THE OFFER WAS NO GIMMICK AND NOT HIM TRYING TO TRICK ME BASICALLY SO I SAID OK I KNOW CALL IS RECORDED AND IM HOLD YOU TO YOUR WORDS. HE SAID I WOULD ONLY BE RESPONSIBLE FOR THE WIRELESS INSURANCE AND THE 1ST XXXX FROM BUY ONE GET ONE FREE NOT HAVING TO PAY FOR ALL FOR ONLY THE 1ST AND SECOND XXXX ONLY. AND DATA PLAN. I WAS TOLD I WOULD. BE ABLE TO GET ON INTERNET, MAKE CALLS, AND THE XXXX XXXXXXXX XXXX WOULD WORK AS SHOWN ONLINE. THIS WASNT TRUE AT ALL. I WAS TOLD I HAD TO GET A SD CARD BY REPS AND I WOULD BE ABLE TO USE THE PHONE FOR DATA AND I TRAVELED TO THE XXXXXXXX XXXX XXXX STORE AND THAT WAS NOT TRUE BUT FALSE. THEY CHECKED MY PHONES AND I EXPLAINED EVERYTHING AND EVEN THE RETAILER WANTED TO KNOW WHY I WAS LIED TO ABOUT HAVING TO INSERT SD CARD TO USE. ALSO THEY MIALED ME VIA PHONE TOLD ME THAT I COULD USE THE XXXX WITH OTHER CARRIERS IF I WANTED TO USE ANOTHER COMPANIES PHONES BUT THAT WAS ALSO FALSE. SO I BASICALLY ENDED UP WASTING MONEY BUYING ALL OF THESE XXXX FROM XXXX TRYING TO USE WITH THE XXXX. I WAS SO DISSAPOINTED. I WAS TRYING TO SEND THE WATCHES BACK TO XXXX XXXX XXXX AND ALL VIA SHIPMENT AND XXXX XXXX XXXX BECAUSE IT WASNT WHAT I EXPECTED. ESPECIALLY AFTER THEY TELL YOU ONE THING AND I WOULD BE OUT AND EVEN WITH THE XXXX XXXX XXXX PHONE I PURCHASED THE DATA WHICH SUPPOSED ALL OF THEM HAD THEIR OWN PHONE NUMBERS I COULDNT EVEN USE THE SERVICE IN WHICH I INFORMED XXXX XXXX XXXX I FELD DISREGARDED. I EVEN CONTACTED THE PRESIDENT OF XXXX XXXX XXXX AND EMAILED HIM AND ALSO SUPERVISORS I HAD TO FIGHT NAIL AND TOOTH TO GET THEM ON PHONE TO EXPLAIN MY SITUATION..MY MOTHER PASSED AWAY XX/XX/XXXX, COUSIN XX/XX/XXXX, XXXX XX/XX/XXXX, AND MY OTHER COUSIN TRAGICALLY XX/XX/XXXX. I HAD A ROUGH LAST YEAR AND I WAS FINANCIALLY GOING THROUGH A TOUGH TIME, AND WAS PAYING CONTINUOUSLY ON IT AND WAS TOLD BY XXXX XXXX XXXX REPS THEY WOULD HELP ME AND WOULD TAKE THIS OFF MY BILL AND ISSUE ME CREDITS AND THEY CLAIM THEY WOULD BUT THE NEXR MONTH THEY WOULD JUST ADD LATE FEE OR WHATEVER FEE BACK TO ACCOUNT SO BASICALLY DELAY THE PAYMENT WHICH IA DISCEPTION. I TOLD THEM TO CLOSE MY ACCOUNT AND THEY WERE RELUCTANT AND TRIED TO OFFER ALTERNATIVES AND THREATENING THAT IF THEY DO SO I WOULD HAVE TO RESTART OVER AS IF I NEVER PAID AT ALL. SAY IF I OWED LIKE XXXX ON THE CONTRACT THEY WAS STATING I WOULD HAVE TO PAY {$1800.00} ] IF ITS CLOSED. I WAS PAYING FROM MAY XXXX XXXX ALL I WANTED WAS MY BILL TO BE CUT IN HALF BECAUSE I DIDNT HAVE THE SAME INCOME ANYMORE AND MY REPRESENATIVE PAYEE PASSED AWAY AND MY FUNDS IN HER BANK ACCOUNT WAS HELD FOR A MONTH WHICH DELAYED ME PAYING BILLS SO I WAS BEHIND FOR A MONTH AND ONCE I CAUGHT BACK UP IT TOOK 2-3 MONTHS. I EXPLAINED THE SITUATION TO XXXX XXXX XXXX. THE BILL I RECEIVED WENT FROM {$400.00} TO LIKE {$1300.00} TO XXXX I HAD PROOF OF ALL THE PAYMENTS AND CONFIRMED THEY SENT ME EVERY MONTH..I DONT THINK ITS FAIR THAT I HAVE TO RESTART OVER. I GAVE THEM MONEY XXXX. I EVEN WANTED TO PAY THEM OFF IN XXXX WHEN I HAD THE MONEY TO BECAUSE THEY SAID I ONLY OWED 2 MORE PAYMENTS ON THE PHONE BILL SO THAT WOULD BE LIKE {$300.00} AND SOME DOLLARS. IF THEY CANT GUVE ME A LOWER PERCENTAGE THAN XXXX THATS ALOT. ITS A RECESSION RIGHT NOW, I RECEIVE XXXX AND THEY SOLD MY DEBT TO CREDENCE RESOURCE A DEBT COLLECTION AGENCY. I HAVE NO CONTRACT WITH CREDENCE RESOURCE. EVEN IF THEY TRY TO VALIDATE THAT CAN THEY PROVE I OWE {$1800.00} AFTER IVE PAID PROBABLY OVER XXXX 'S ALREADY.? I HAVE RECEIPTS I WILL SCREENSHOT THEM. I NEVER DISAGREED TO PAY EACH MONTH I ONLY TOLD THEM AROUND XXXX OR XXXX TO HELP ME GET CAUGHT UP AND MAKE BILL LOWER THEY REFUSED. THEY DONT CSRE WHAT A CUSTOMER GOES THROUGH LONG AS THE WHOLE BALANCE IS PAID IN FULL.
12/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07304
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Credence Resource Management & BAL. {$910.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19141
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CREDENCE RESOURCE MANA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60543
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDENCE RESOURCE MANA bal. {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDENCE RM bal. {$970.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
08/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30143
Web Older American
I have been corresponding to XXXX/XXXX for slightly over a year re a disputed charge - several phone calls and multiple escalation letters. The circumstances surrounding the dispute, in a nutshell, are as follows : 1 ) When I ordered XXXX at the subject location, I specifically stated that I wanted XXXX equipment capable of displaying 4K resolution programs. 2 ) I wasn't aware until a few months later, after I purchased/installed a 4K capable tv, that the equipment which XXXX had installed was NOT 4K capable and, per XXXX, they needed to replace the primary receiver with a 4K capable one to which I agreed since this was what I requested per the initial XXXX service order. 3 ) Upon replacement of the non-4K receive with the 4K receiver, I signed paperwork not knowing that I was, in effect, committing to a 2-year contract extension, as the XXXX service technician did not explain such. 4 ) In the XX/XX/XXXX time-frame, due to incredibly poor customer service and extremely limited 4K programming, I replaced XXXX with XXXX and cancelled the XXXX account. 5 ) XXXX customer service was very irritated and threatened me with a {$200.00} cancellation fee if I cancelled to which I responded my disagreement with such given the above circumstances ; however, they refused to drop their demand that I pay the cancellation fee. 6 ) Soon thereafter, I received a statement from XXXX indicating that I owed {$200.00} - i.e., the {$200.00} cancellation fee and {$3.00} for prorated services. 7 ) At that time, I wrote the first of five escalation letters indicating that I did not agree, under the circumstances, that I owed the {$200.00} cancellation fee but that I had no issue with the {$3.00} prorated service fee. I included a check for the {$3.00} with the letter which was subsequently cashed by XXXX and which cleared my bank account on XX/XX/XXXX. ( See attached processed check ). 8 ) I continued getting pressed by XXXX to pay the {$200.00} amount even though they had cashed my {$3.00} check but yet they refused to show credit for such on their subsequent statements! Even as of today, XX/XX/XXXX, XXXX states that I still owe a balance of {$200.00}! 9 ) I subsequently wrote several other escalation letters but never received a reply from XXXX. 10 ) On XX/XX/XXXX, in the spirit of trying to bring this issue to closure, I wrote my final escalation letter to XXXX ( attached ) pointing out once again that they had already been paid the {$3.00} even though their statements didn't show such PLUS I offered to meet them half-way ( as had been suggested to me by a XXXX Customer Service Rep in a call weeks before ) - i.e., I would pay half the {$200.00} cancellation fee if they would credit me for the other half. I felt this was a fair proposal given that the XXXX technician who installed the 4K receiver and I obviously didn't communicate well and, as such, I didn't know that by installing that equipment I was committing to a 2-year contract extension. As of today, XX/XX/XXXX, I still have not received a reply from XXXX to my XX/XX/XXXX, letter - which is over 9 months since they received my letter! However, a few months ago, I don't recall the date, I received a letter from a credit collection company stating that they were contracted by XXXX to collect the {$200.00} amount which XXXX stated that I owed on my account. I immediately called the collection company and explained the situation as described above. The collection company agent was very courteous, apologized for any misunderstanding, assured me that she would document our call and that I should hear back from them in the near future. However, as of yesterday, XX/XX/XXXX, I received an alert from the XXXX credit bureau that my credit score had just dropped 43 points due to a negative report received from Credence Resource Management - the credit collection company hired by XXXX. I immediately called Credence and once again explained the situation as described above. The collection company agent escalated our call to her supervisor where I had to again describe the situation and my frustration that it had reached this level where it was now being reported to the credit reporting agencies, that I had offered to resolve the issue over 9 months ago and that I never received a response from XXXX, etc. The supervisor was courteous, sympathetic, and apologetic, and offered to settle the issue for an amount of {$100.00} which I agreed to and which I paid via my bank checking account during the call! The frustrating thing about this whole situation is that XXXX ignored my XX/XX/XXXX, proposal to 1 ) acknowledge that I had paid the undisputed charge of {$3.00}, and 2 ) accept a settlement of {$100.00} for the disputed {$200.00} cancellation penalty charge. Instead, XXXX turned this over to a debt collection company which, in turn, reported to the credit bureaus that I had refused to pay the {$200.00}! They have now ruined my credit rating which was an almost perfect score beforehand ( Excellent rating which has now dropped 43 points overnight to Good rating )! And this comes at a time when I'm considering refinancing my home which, with the lower credit rating score, will result in my having to acquire a mortgage at a less than favorable interest rate costing me thousands more over the years to come! Lastly, it's VERY important to know that I have been a loyal XXXX customer for over 20+ years, currently have 5 other XXXX accounts ( 2nd home and 4 vacation rental properties ), have NEVER missed a payment and have NEVER been late in making a payment! XXXX can attest to these facts!
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 088XX
Web
Credence Resource LLC has communicated to collect {$620.00} which according to them the amount I owed to XXXX for cancelling the contract and non-return of equipment. I disputed the debt because the installation did not happen and there was no equipment to return. I called XXXX many times and got passed on to at least 4 customer rep but it took really a long time staying on the phone and having to call back when the call is cut-off and do all-over again my request for them to check their records. I have communicated to Credence by email many times to request XXXX to provide the information on the name of technician, the date the installation happened, and the serial number of equipment. The only response I have been getting was XXXX said the debt was valid. How can I pay a service that has not happened? I am disputing the validity of the debt that is being referred to Credence Resource Management LLC by XXXX XXXX for collection. My reasons are : 1. The installation never happened and I do not have the receiver that was charged {$99.00} on the bill. 2. I called XXXX XXXX to cancel the service. 3. I called XXXX XXXX about 4 times to dispute the charges because the installation never happened. I asked the person to come and actually check my house to verify that there was really no installation done. XXXX XXXX usually install antenna on the roof top and if someone can only come and actually check, theyll find out that the service was never installed. 4. XXXX XXXX cancellation policy states that a full refund is given if the order is cancelled prior to installation ( see below at the end of the message ). 5. I paid {$47.00} for mis-understanding that XXXX XXXX has accepted my notification and charged as final balance as a result of my call. 6. I am still requesting that XXXX XXXX comes to my house and verify if I really had the service. XXXX XXXX can also verify my tv service from XXXX for many years now. 7. I am requesting XXXX XXXX to provide a copy of document signed by me acknowledging the installation was completed. 8. XXXX XXXX must investigate the technician on where the equipment has gone. 9. XXXX XXXX must trace the address that used the receiver that it claims was provided to my address. In addition, I would like to offer the following explanations on circumstances that led to this XXXX XXXX service and why I will not allow the installation on the roof of my house : 10. On or about XX/XX/XXXX, I went to XXXX Store at the XXXX XXXX XXXX XXXX to buy my daughter a new XXXX. The Salesman checked my phone bill and convinced me that I could have a lower bill and at the same time get a new second XXXX at no charge after seeing that another one of my line was already eligible for upgrade. I asked whats the catch? Will I be tied to the contract and he said no. 11. He started giving me calculations and even when I told him I didnt need a second XXXX he said its free. The deal was including XXXX XXXX. I told him I already have a TV provider, XXXX, and I dont want any antenna installed on my roof. I said it he can sign me up for just a streaming service, that will be good. And he said along with his Manager, that they can make it streaming. So I agreed to sign-up and signed whatever he had on his XXXX. He did not explain each page on the XXXX that I signed and I was already tired from selecting phone, waiting, and having to listen to his sales pitch. My payment seems to have included {$19.00} for XXXX XXXX service activation fee. 12. When we came back to the house, there was a text from a technician on installation appointment date. 13. Then the salesman also texted me and said that streaming online is now available. 14. The next day another I receive another installation confirmation date. 15. The installation never happened. No one came to my house to install anything or leave a receiver. 16. I had difficulty with the instruction for streaming that the Salesman texted. I also saw the preliminary list of the total charges as a result of the phone upgrade and it came to more than {$600.00}. Also, I noticed a new phone number, a 6th line, that the Salesman didnt tell. So I called the XXXX store to complain and they said that the bill will be adjusted when the actual bill comes and they assured me that it will really be lower than the monthly I was paying. I wasnt comfortable so I called XXXX customer service to verify my actual phone billing. The kind lady helped me fixed the charges of my existing phone lines but couldnt do anything on the new phone line. She said I have to go back to the store to cancel it. I went back to the store and they said it can not be cancelled because it carried the 2nd new and free XXXX in that account and if I cancel, I have to return the phone. I already have many personal information on that phone so I decided not to do anything so long as my bill remains the same as it used to be. Later on after few months, I was able to get help in cancelling the 6th line by phone from another XXXX customer service after I fully paid the 2nd XXXX.
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22310
Web
This complaint is being lodged against Credence Resource Management for unfair debt collection practices and violations of the Fair Debt Collection and Fair Credit Reporting Act. After multiple attempts to work with the creditor to verify with original contractual documentation containing a signature from me to validate that this debt belongs to me, I have received nothing other than an itemization of charges. Despite my continued and specific requests to Credence for such information as is required under the law I have not been provided any relevant information ; however, the creditor continues to " verify '' the information as accurate and report the unverified information on my credit report. In XX/XX/XXXX I received a notification that a new item was added to my credit report for Credence Resource Management for a debt in the amount of {$870.00}. I checked my report and it was listed as a collection account with the original creditor being a XXXX XXXX XXXX XXXX. I have never had any dealings with Credence Resource Management or any XXXX XXXX or affiliates. As I was not notified in any form of communication that this debt was outstanding prior to the information being added to my credit profile to allow me to dispute the information, I immediately identified their contact information as listed on my credit report and sent them a letter requesting validation of the debt they were pursuing in addition to how it was calculated, copies of the original contract with my signature and their licensing information as a debt collector in my state. In XX/XX/XXXX I received a response from Credence Resource Management with an account notification letter and an account summary that consisted of itemized statements and nothing else. I was NOT provided with any original documentation with my signature to show that I owed the debt or contractual proof that it was in fact me or an authorized representative that entered into any agreement or contract with Credence or said XXXX XXXX XXXX Additionally, I was not provided with any documentation that Credence was licensed to collect in my state or their license number as requested to ensure they were even licensed to collect such a debt. In XX/XX/XXXX I again sent a follow-up letter to Credence Resource Management to notify them that they did not satisfy my request for validation of the debt and that an itemized statement does not demonstrate the assignment of this debt to me. I have had several cases of mistaken bills being assigned to me without my knowledge or consent and I again reiterated to the company that I did not enter into such a debt and that they were erroneously reporting this unverifiable debt to me and requested its removal. I demanded that the items either be properly and lawfully validated or removed immediately. Again, the response from Credence Resource Management with an account summary that consisted of itemized statement or bill and nothing else. In late XXXX after not receiving satisfactory documentation to validate the debt I filed a formal dispute with the credit bureaus. The credit bureau states that they request the reporting company to verify the accuracy of the information that is being disputed. In XX/XX/XXXX, Credence Resource Management " verified '' the information as accurate to the credit bureaus after at least 2 communications with me whereas I vehemently protested to the validity of the information and expressed that the debt did in fact NOT belong to me and not being provided with any legal documents that would validate the debt and demonstrate that it belonged to me whatsoever. Additionally, their response indicated that my dispute was not specific, however my dispute and letters were very specific in my request for documentation, validation and information to prove that this debt was in fact mine. I have attempted amicably to resolve this situation with the debt collector to restore my good name and credit from this tarnish upon my record. I attest that I do not nor have I ever had any account or dealings with Credence Resource Management, any subsidiaries or any XXXX XXXX XXXX XXXX My rights under that law are clear that I am entitled to receive an original agreement, contract or agreement with my signature as evidence to show that it was in fact me that agreed to the debt that has been assigned to me. And if the aforesaid, Credence Resource Management, is not able to provide anything other than an itemized statement I demand that my rights be upheld and this erroneous record be immediately removed from my credit record, all credit reporting agencies and not reinstated at any time in the future. ENCLOSED : My letters to Credence Resource Management from XXXX and XXXX, the letters I received from Credence in XXXX and XXXX, the results of my dispute of this item on my credit report
09/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29607
Web
Hello : I need assistance or advice in how to address this issue with XXXX XXXX XXXX please : On the below dates I corresponded with a collection agency to dispute an illegitimate charge against me and the dispute was not accepted by the XXXX company, without explanation as to any reason. I am willing to obtain legal help if necessary, to keep this from being placed against my credit. Could you please advise me as to how to handle this situation? XX/XX/2019 I am disputing this XXXX XXXX XXXX account # XXXX for the following reasons : 1. I have called approximately 8 times to discuss this bill with the Billing Department at XXXX XXXX XXXX and have spoken to XXXX in the Collection department there at least 1 time on XX/XX/2019. XXXX said that she was switching me back to the Billing Department, because, you dont need to talk to collections. This needs to be handled by billing, because I am looking in the record and I see that you do not owe this bill. I was switched to a XXXX, in Billing, who said that the case had been closed, but she was reopening it and sending to someone for resolution, and I would hear something in 24-48hrs. Needless to say, I did not hear anything back. I have been given several adjustment case numbers since this started in XX/XX/2019 : CM XXXX ; CM XXXX 2. On at two of these many occasions, I was told to go back to the store and ask that they put in a Tracking Number for the phones. Therefore, I first visited the office on XX/XX/19 and turned the equipment in to them. That time, I spoke with Cashier, XXXX XXXX, Cashier Drawer XXXX, Transaction ID XXXX. I received a bill, so I called XXXX Billing and spoke with XXXX, on XX/XX/19. I was told by XXXX to go back to the store where I returned the two phones and get them to, notate the account because the return is not showing in the XXXX system. I got to the store and I was told that the problem had to be with me porting my phone numbers back and they would take care of it, because I had initially ported those numbers from XXXX to XXXX and I just took my same phone numbers back. Well. I received more bills, and when I again called XXXX Billing, I was told to go back to the store again, so off I went. This time ( XX/XX/2019 ), I spoke with XXXX XXXX, Assistant Sales Manager, XXXX XXXX XXXX XXXX. He apologized and explained that my record was not showing me owing a bill. He turned the computer monitor around and showed my account record to myself and my husband, and said, see, you can look right here and it shows a XXXX balance. He also said that I should not worry about any bills received from XXXX XXXX XXXX because the system would probably continue sending them for a while longer, so just ignore them. 3. The contract that I signed explicitly said that that if I wanted to cancel the service contract and return the equipment, I could do so within 14 days of the signing of said contract. I did decide to cancel this contract and returned the equipment within a 12 day period. I kept the phones and the service from XX/XX/XXXX to XX/XX/XXXX. I was told by one person in Billing that my claim for Buyers Remorse, had been denied and no explanation was given. She said she was going to re-open the case. Can someone PLEASE help resolve this.. XX/XX/2019 Hello, You have provided us with specific information regarding your dispute on the above account. We have investigated your dispute and as part of that investigation we contacted the creditor. The creditor believes that the charges on your account are valid. Please feel free to revert in case of any questions and concerns at : Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. Office Hours : Monday to Friday XXXX XXXX EST to XXXX XXXX PST Saturday XXXX XXXX EST to XXXX XXXX EST Toll free # XXXX. Sincerely, Credence Resource Management , LLC Calls to or from this company may be monitored. This communication is from a debt collector and is made for the limited purpose of responding to your dispute and is not an attempt to collect a debt. This communication and any data and/files attached to it contains information which is confidential and which may also be privileged. It is for the exclusive use of the intended recipient ( s ). If you are not the intended recipient ( s ), please note that any disclosure, copying, printing or use what-so-ever of this communication or the information contained in it is strictly prohibited. If you have received this communication in error, please notify the author then delete the presentation and its attachments together with any copies of it. Although this communication is believed to be free of any virus ( s ) which might affect any computer or IT system into which they are opened, it is the responsibility of the recipient to ensure that they are virus free.
08/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33025
Web
on XXXX XXXX a collection was placed on consumer credit report for the amount of {$1900.00} by the collection corporation CREDENCE RESOURCE MANAGE, i never received a notice in the mail in regards to this false debt .i have submitted to notices for this company to validate this debt which has been placed on my consumer credit report as a natural person, by law i have the right to dispute and ask for validation, the company listed in this complaint has not provided me with NO documents at all to verify this false debt and this is a violation which can be penalized by {$1000.00} the max for each violation.this is also a violation to myright to privacy under FCRA which has been givin to me.the list of violations follow : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 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 ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
09/21/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84070
Web
I am writing this letter because I was told that I have to even though I was told that this issue was going to be resolved in XXXX of 2017. In XXXX of 2017 I had a receiver stop working and when I called to try and have the problem fixed I was told that I would have to either pay to have a technician come out or agree to a new two-year contract to get new equipment. Having been a loyal customer for five years I did not like the two options that were given to me and decided to cancel my service as I was knew I was not bound to any contract at that point. I was then sent a box to return two receivers. I actually had three receivers at the time and decided to return all three. After this, I told my wife to shop around for a new TV service and she did and ended up signing up for XXXX again. A few weeks later I received a bill in the mail saying that I did not return my receivers so I gave you guys a call to clear up the matter. I spoke with an extremely nice man from Arizona that said that the bill had been sent out before the receivers had been received and that it would be resolved no problem. At this time he noticed that my account had been deactivated and that another one had been opened in my wifes name. He said that since I had been such a good customer that he would be able to merge our accounts together in order to get us some really good deals so I agreed. He got most everything set up and then said he had to transfer me to what I believe was an account specialist and this is when everything turned south and where I believe this whole problem is stemming from. I was then transferred to and incredibly rude young man that said merging accounts was not possible. So I told him thats what I was just told by the previous employee and he refused to look into it. Because of this I told him to cancel everything the previous employee set up if he wasnt going to do what I was quoted. After this I was under the belief that things were just going to be like what my wife set up. About a month after this ordeal I received another bill. I called again and eventually talked to a very helpful woman and she supposedly got to the bottom of it when I explained the whole situation. She also told me that merging accounts was in fact possible and that the rude young man I spoke to was in the wrong. I spent over an hour on the phone and she told me that she had it all figured out and that I would be receiving another bill but to just disregard it. Once again I figured this matter would be taken care of. About another month later I received another bill. Once again I had to waist a considerable amount of time explaining the exact same situation to multiple people. Once again I was told that this matter would be resolved but I was reluctant to believe it so I asked for a phone number that I could call if not and so she gave me the number XXXX and a pin of XXXX. I just received a letter from collections in the amount for the bill I have been receiving. I called today to figure out what was going on and tried using the phone and pin number I was given but it did not work and I was told that the bill was for an early termination fee and that the only way to deal with the matter was to send a hand written letter to the XXXX disputes address. I dont know how could possibly receive a bill for early termination when I was with the company for 5 years and no longer under contract and now that my wife is signed up and still paying her bill. The phone number that was on this account that was supposedly terminated early wasnt even correct so I dont know how it got created in the first place. I then gave the correct phone number and I was told that I would receive a call back from a supervisor, which not surprisingly did not happen. On the collections letter I received it said that I could call a number within 30 days to dispute the claim and that otherwise it would be assumed as valid. So I called to tell them that I was disputing the bill and the man tried to talk me out of it and was very difficult to understand but I believe he was trying to tell me that I was in the wrong when I have no doubt he did not understand the situation. This whole experience has been extremely frustrating and is now causing me great stress and anxiety over my credit getting dinged. I have never missed a payment in my life and have worked very hard to achieve a high standing credit rating. I have also wasted a considerable amount of time that I do not have a lot of, especially for dealing with situations that should not take this much effort to resolve. I have absolutely zero doubt that when the monitored phone calls are reviewed that it will be determined that I am telling the truth of what happened
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76018
Web
I received my first call from Credence Resource Management ( hereafter referred to as XXXX ) approximately XX/XX/XXXX, regarding an outstanding XXXX XXXX XXXX XXXX balance owed for cable, internet, home telephone for a combined XXXX XXXX XXXX XXXX account. Before I began to make any payments, I asked to see a final bill as I never received one from XXXX XXXX XXXX. Please note, I would receive several calls from different on the same day. On more than one occasion, while on an active call with a XXXX Representative, I would receive another call on my open line. I would explain that I was on the line with one of their Representatives and that one call per person a day should be sufficient. However, my concerns were ignored. After many discussions with both XXXX XXXX XXXX and XXXX, this bill was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received another call about a XXXX XXXX account in the amount of {$90.00}. After spending 2-hours on the telephone with XXXX explaining this was not my bill and being called a Liar, I immediately contacted XXXX XXXX XXXX. XXXX XXXX XXXX had no record of this charge. I then telephoned XXXX again to let them know what I had been told by an XXXX XXXX XXXX XXXX. I was told it was in my name and SSN # and was expected to pay. I was talked to as if I was a criminal. To be called a liar by someone who is only there to collect a debt is unfathomable. I continued to get telephone calls from XXXX, even after telling them to not contact me anymore about this bogus bill, they still continued to harass me until they received confirmation from XXXX XXXX XXXX that this was not my debt. Great, I thought no more calls from XXXX. I was wrong. XX/XX/XXXX, I called XXXX to find out why there have been XXXX {$50.00} charges taken from my checking account. These charges are dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : another for XX/XX/XXXX and XX/XX/XXXX. This is a total of {$300.00}. This does not include the three payments for the above mentioned combined XXXX XXXX XXXX XXXX bill - which is paid in full. In speaking with a Manager named, XXXX XXXX, he explained that he was not sure what the charges were for and that I should call my bank to stop the payments. This should be against the law. They should know why they are taking money out of someone's account. However, he did explain there were three accounts in my name : ( 1 ) The Direct XXXX XXXX XXXX combined account, which was closed - paid in full. ( 2 ) The XXXX XXXX account, which was confirmed by XXXX XXXX XXXX that it was not my debt. AND NOW ( 3 ) an outstanding XXXX XXXX XXXX mobility Acct for {$600.00} for a mobile number XXXX. I WAS LIVID! First, because I've never owned this mobile number. Second, because he tried to convince me that I've paid on this cell mobile phone before. I immediately called XXXX XXXX XXXX. Again, XXXX XXXX XXXX had no record of me ever owning this mobile number. It appears since Ive paid the account for which I did owe, XXXX is trying to apply charges to me that I DO NOT OWE. I called and spoke with Mr. XXXX once again. He was then able to give me the account number for this outstanding debt. Acct # XXXXXXXXXX- which he could not give me at first ( I'm sure because he did not like my attitude. Nor did I like his ). Now, it's mid-morning. I've had to step away from my office yet again, to spend time explaining another outstanding bogus bill in my name. I then asked why I'd not been contacted for both the XXXX XXXX and mobile account prior to paying off the first account. Of course, he could not explain. I told him for the last time, DO NOT CONTACT ME ABOUT ANY BILLS REGARDING XXXX XXXX XXXX because they did not have any open accounts for me. Also, told him should XXXX have any outstanding bills with XXXX XXXX XXXX for me, they need to work with XXXX XXXX XXXX to reconcile their books to reflect what XXXX XXXX XXXX has. I later found out that Acct # XXXXXXXXXX is not for a mobile account. This was for an XXXX XXXX XXXX XXXX XXXX account that was paid and cleared with XXXX XXXX XXXX on XX/XX/XXXX. It's funny I've not heard one word about this account until XX/XX/XXXX. Im not sure what type of illegal business XXXX is operating, but this harassment needs to cease IMMEDIATELY. They can call and harass me about bogus charges but they still have not been able to tell me why 6 - {$50.00} charges have been deducted from my account. Please see all of the charges that XXXX has deducted from my account per the attached. They have taken another {$50.00} as of yesterday, XX/XX/XXXX. This is after I told them to STOP TAKING PAYMENTS FROM MY BANKING ACCOUNT for something they can't explain why. THIS IS THEFT!
12/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • XXXXX
Web
On or about XX/XX/XXXX, I received a collection notice from Credence Resource Management ( CRM ) written notice as they require disputing the debt as invalid. Within a few days of each other in late XX/XX/XXXX, I received two notices from CRM : the first indicating they had contacted the creditor for additional information and the second, with absolutely no detail, indicating the creditor claimed the debt was valid. Below sets forth the reasons why the debt is not owed. On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding my Internet service account, XXXX, to inform them I had closed the bank account I had been using for automatic payment deductions and to inform them of my new account. I was directed to a customer service center that was clearly not in the United States, where the XXXX XXXX XXXX representative proceeded to go over my payment details for this account. This XXXX XXXX XXXX representative inaccurately stated that my monthly payment for Internet service was {$70.00} per month. I corrected the representative and advised her it was {$30.00} per month and that this had been my monthly payment, which XXXX XXXX XXXX had been deducting without complaint or notice of change, for more than two years. The representative placed me on hold several times and then told me that the price was {$70.00} per month because I had discontinued XXXX service. I informed the representative that I discontinued XXXX service in XXXX, nearly two years prior to that time, and maintained only the Internet service that XXXX XXXX XXXX had been billing and receiving payment for {$30.00} per month since. It is important to note that XXXX XXXX XXXX never informed me that the Internet service was subject to a price increase and continued to process the automatic deduction for $ XXXX monthly for nearly two years. Of course, had XXXX XXXX XXXX ever attempted to more than double the price for this Internet service, I would have cancelled it immediately. At this point, I informed the XXXX XXXX XXXX representative that I had simply called to change my bank account information and that her repeated insistence that the price was more than double what I had been paying was going to instead result in XXXX XXXX XXXX losing my business. After a few minutes more of this intolerable customer service, the XXXX XXXX XXXX representative informed me she would transfer me to another customer service center. I informed her I would not wait to be transferred and directed her to simply cancel my XXXX XXXX XXXX Internet service. The XXXX XXXX XXXX representative protested and stated she was transferring me, and I advised her that I had now authorized her to only cancel my account immediately. Later that same day, XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX wanting to discuss my cancellation. Clearly, since all customer service calls are recorded and XXXX XXXX XXXX contacted me regarding such, XXXX XXXX XXXX was well aware of my direction to cancel the service. Somehow, within 30 days, on XX/XX/XXXX, XXXX XXXX XXXX sent me a bill for {$170.00} for Internet service and informed me that the service I demanded they cancel was suspended. On XX/XX/XXXX, XXXX XXXX XXXX sent me another Internet service bill for {$290.00}. ( Notably, XXXX & XXXX bills for XXXX and XXXX suggest they increased the Internet service to more than $ 100 monthly. ) Based on this interaction and egregiously awful customer service, I made a decision to also terminate all of my business with XXXX XXXX XXXX, which included my XXXX XXXX XXXX cellular phone service, account number XXXX. On XX/XX/XXXX, I transferred my cellular service to XXXX and discontinued my XXXX XXXX XXXX cellular service effective immediately that day. However, XXXX XXXX XXXX somehow did not make this connection and continued to attempt to bill me, sending a bill on XX/XX/XXXX for {$380.00} and threatening to suspend the cellular service that I had voluntarily disconnected and transferred on XX/XX/XXXX. It is important to note the disconnect between XXXX XXXX XXXX website and their billing department ; immediately after transferring my service to XXXX, I was unable to log into my XXXX XXXX XXXX account. Clearly, XXXX XXXX XXXX was well aware I had terminated service, yet continued to attempt to bill me for a service they were not providing. At the time I transferred my service to XXXX, my cellular balance was {$0.00} as I had made an XXXX XXXX XXXX cellular service payment on XX/XX/XXXX in the amount of {$150.00}. I had a XXXX balance at the time I transferred my cellular service to XXXX.
01/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30045
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Account # XXXX {$230.00} To Whom It May Concern : This account already been disputed and removed by XXXX XXXX XXXX XXXX XXXX so this information is inaccurate and must be removed, I copy of a previous responce will be attached to this complaint. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail.
10/12/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • XXXXX
Web
in XX/XX/XXXX, my contract with XXXX XXXX was about to expire and I was moving to a new address. When I notified XXXX XXXX that 1 ) i was moving, and 2 ) i would not be renewing the service, they did the following : a ) refused to move the service from the old address-XXXX XXXX XXXX, XXXX, and b ) refused to give authorization to return their equipment. Many unsuccessful phone calls followed in which I was transferred to different departments to try to get me to keep the service. I refused all, and they refused to acknowledge my request to return equipment. 1 year passed, fast forward to XXXX, and in XXXX of XXXX, I discovered that I could return the equipment via XXXX, which I did. I received email from XXXX XXXX that the equipment was received, and that was that for me. I never got anything else from them. Fast forward to Saturday XX/XX/XXXX, I went to the XXXX XXXX XXXX store to make changes on my account ( i have been an XXXX XXXX XXXX customer for 25 plus years ) and was told no changes could be made because I owed some money, and I was given a number to call XXXX XXXX XXXX XXXX XXXX. I called the number because according to the customer service person at the XXXX XXXX XXXX store, XXXX XXXX had attached a XXXX $ plus bill to my account. So I called XXXX XXXX and got the run around. The first person I talked to refused to give me his name, told me he didnt have to, and said he could not help me, so i hung up. Next day, Sunday, the XXXX of XXXX I called again, and once more I got someone who listened to my inquiry, which was, why are you adding a bill to my XXXX XXXX XXXX bill? what is it for? This new person, who said his name was XXXX, told me that the account was in collections. I told him this was news to me, and I requested to speak to a supervisor. Another 20 minutes of being told I could not speak to a supervisor. But upon my insistence my number and a message was left. Then I hear absolutely nothing, so on Monday XX/XX/XXXX, I called XXXX XXXX again, and this time I got a girl who told me that my account was with a company called Credence and she gave me a number to call them. I called and got a fast talking guy, whose name I still do not understand. He told me that the charges were for early termination and an old bill. I told him I did not early terminate anything, that XXXX XXXX refused to move my service when i moved, and then refused to take the equipment back. He verified that the equipment was back, and told me he sees that I am not at fault, and he would offer me a reduced payment of XXXX to go away. He wanted payment right away, and I told him I would consider his offer when I receive it in writing. He then transferred me to another fast talker who said he was a supervisor and said the same thing. I told him I wasn't agreeing to anything until I got it in writing. I verified they have my mailing address. I ended the call. On XX/XX/XXXX they called me again from a different number, XXXX seems it may be a voice over number, anyway the person wanted to know if I got their mail, no I had not. I told them when I get their mail I would contact them. I checked my mailbox every day and nothing. Today, XX/XX/XXXX, they called again from a different number XXXX and as soon as he identified where he was calling from, I told him I having no conversations with them until their offer is received in writing. I believe these people are not only harassing me, but hustling me for money I do not owe. I really want them off my XXXX XXXX XXXX account, and am really disappointed that XXXX XXXX XXXX told me they could not handle this issue since its XXXX XXXX. I am willing to pay them some fall amount to get them to go away, if nothing else works, but it is ridiculous that after 2 weeks, I got 1 call one day from XXXX XXXX XXXX, about a supervisor calling me back, but I could not talk as I was at work. I want this removed, cleared up, marked paid in full and taken off my XXXX XXXX XXXX account as this was around before XXXX XXXX XXXX and XXXX XXXX connected, plus no one, no one at either company would tell me when they actually wrote me about this. They have sent me zero mails, and the only email I got was to acknowledge receipt of equipment returned in XXXX. I want this to go away 3 weeks ago.
02/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30082
Web
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I request your offices provide me with competent evidence that I have any legal obligation to pay you. 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 -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is required. Henceforth, I will also inform you that you have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ), this may constitute Fraud under both Federal and State Laws. So, if any negative mark is found on any of my credit report by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can deliver all proper documentation as required 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, I will consult with my Legal counsel for suit. This will include any listing of any information to a credit reporting repository that could be invalidated. In case of any failure 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 Sincerely,
07/08/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 902XX
Web
On XX/XX/XXXX at XXXX, I received a call with a recorded message stating as follows : [ quote ] This message is intended for ... ... ... ... ... ... ... ... ... ... ... .., please be advised this is your final notification in regards to a formal complaint thats to be processed and released out to your local jurisdiction against you. We will be contacting your human resources department for wage assessment and employment verification. This complaint names you as a respondent, and it is attached to your name and social. It is imperative that I speak with you or your legal representation to address the pending allegations and get a statement of defense from you. Your failure to respond will result in the forfeiture of your rights to dispute the matter and a case will be processed against you. Please contact our office at XXXX. Again that number is XXXX [ unquote ] I returned the call, and was told by 'XXXX ' that she was the 'mediation department ', and there was a complaint filed against me by XXXX XXXX for a delinquent mastercard dating back to XXXX. I told her I had no knowledge of what she was talking about, and denied her claim. She proceeded to tell me that I would be taken to Court, my wages would be garnished, and my property would be lien 'd if I did not pay. The call ended there. I made several attempts to call back, but was sent directly to voicemail. I called again at XXXX XXXX and spoke to another party who did not reveal her name, but told me she worked for Credence Resource Management ( CRM ). She updated the previous information from her colleague, by informing me that the XXXX credit card was a 'visa ' card, and that the debt dated back to a delinquency in XXXX. I requested more detailed information, but she stated she did not have any, but I could ask the Court. I asked for the amount, and she stated it was around {$1800.00}. However, because of my previous call to her colleague 'XXXX ', she claimed my complaint had been processed and sent to Court for a judgment - that is, unless I wanted to pay her over the telephone via credit card to stop it from happening. Again, I asked her to send me documentation supporting the 'complaint ', but she refused, claiming it had been sent already, and the next time I could view it was in Court. She ended the call by informing me that the call was being recorded ( after the fact ) and will be used against me in Court, and that I would receive a summons. I contacted my attorney, and we both called back together. He listened as I spoke with the same person as last, and she began berating me for asking for the same information as I had earlier 'sir, I already gave you all of this information when you called last time '. I then introduced my attorney, and she could not get off the call fast enough, accusing us of recording her without consent ( we were not recording the call ), and not previously advising that my attorney was present on the call. She hung up. My attorney immediately declared it was a scam, and that any notice could not legally be served over the telephone as Credence Resource Management attempted to do. I searched the company Credence Resource Management LLC online and found several hundred complaints filed against them. Most notably, ALL of the complainants state they never received any notice from this company as to the collection that was taking place, nor why. In every instance, Credence Resource Management LLC responded to the XXXX complaint by claiming that they had been sent a letter, and because no letters were ever returned to Credence Resource Management as undeliverable, they declared the complainant had ignored it, which gave them the legal right to proceed with judgment and credit report action to effectively ruin people lives. It is clear that Credence Resource Management NEVER sent letters to anyone, and hold themselves unaccountable because they are not required to add tracking to their outgoing notices to debtors to prove receipt. So they can simply lie. It's their word against everyone else 's. As a follow-up in an effort to prevent Credence Resource Management from damaging my credit and reputation, I have sent a Debt Validation request. If they do not return it complete, I plan to sue.
01/03/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85020
Web
On XX/XX/202XXXX XXXX XXXX XXXX released all telephone numbers associated with account number XXXX, authorizing XXXX XXXX to ported over my personal and business telephone numbers to XXXX XXXX the new service provider. Telephones numbers from prior providers have to be released in order to be ported to a new provider. On XX/XX/2022 a final payment for service was made tXXXX XXXX XXXX XXXX in order for those numbers to be released as shown on my credit card statement XXXX via autopayment. ( Documentation of all payment made to XXXXXXXX XXXX XXXX ). I continued to receive bills from XXXX XXXX XXXX for services that had been cancelled, transferred, and ported/moved. When contacting XXXX XXXX XXXX regarding the billing that showed no data, usage, or any of my numbers associated under their company as a service provider they continued to send fraudulent request for payment with blank statements attached. ( Enclosed ) The service was not only cancelled for all telephone lines, watches, and my alarm monitoring services, but final bills paid in order to activate service with new provider. All services with XXXXXXXX XXXX XXXX were cancelled on XX/XX/2022 and when contacted to return devices I was told to keep the digital life system and discard it. I contacted XXXX XXXX XXXX in early XXXX because I received a bill for {$180.00} for telephone service that were provided ; I requested an itemized list of charges because the individual that I spoke with was insistent that I had a balance when I contacted the company ; XXXX XXXX XXXX was unable to produce anything indicating that I had service with their company. I asked that XXXX XXXX XXXX call my phone number which would indicate that they had release the number to XXXX XXXX my new service provider and that I had made all payment via XXXX and that the final bill was received including the telephone number by which I requested they attempt to call. On XX/XX/2022, Ive requested another itemized list of charges be sent to me when calling XXXX XXXX XXXX again or cease and desist sending out threaten letters to cancel service that had already been transferred, I received nothing nor were any additional automatic payment removed from my credit card account. XXXX XXXX XXXX received payment on XX/XX/2022 in the amount of {$180.00} payment on XX/XX/2022 in the amount of {$180.00} and final payment on XX/XX/2022 in the amount of {$220.00}. Service was transferred to XXXX XXXX when the final payment was made and all numbers associated with my account were ported over to XXXX XXXX. ( Set them Enclosed statements plus XXXX XXXX request for numbers to be the release and to port on XX/XX/2022 ). XXXX XXXX XXXX provided false billing statements to an third party collection agency who has spent the last 3 months calling my telephone numbers harassing me. XXXX XXXX XXXX sold my information to this Credence Resource Management company who sent false, inaccurate, and incomplete information to the major credit bureaus who documented it as accurate on my credit reports dropping my XXXX score down XXXX points. XXXX XXXX XXXX reported this factually inaccurate information to Credence Resource Management whom forwarded it to XXXX XXXX and XXXX provided nothing supporting their assertion and doing nothing to confirm the information accuracy. XXXX XXXX XXXX sold the false information is still seeks to collect monies not owed. XXXX XXXX XXXX XXXX failure to report information has caused me great harm and Credence Resource Management failure to remove the negative information and restore my credit has resulted in me pursuing legal action against. I am filed a formal complaint against XXXX XXXX XXXX for the false information provided to the third-party collection agency. A cease-and-desist order was sent to Credence Resource Management to stop reporting the false and derogatory information to the credit reporting agencies in addition to making the harassing telephone calls multiple times a day ; the actions of both entities have impacted my XXXX XXXX, ability to confidently navigate my day to day business practices based on the false statements, inaccurate, and unsubstantiated information.
01/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30507
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Collection accountS : {$890.00} XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XXXX XXXX XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX XXXX
02/01/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75134
Web Servicemember
I received a notification from the Credit Reporting agencies CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : 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 them. 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. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed.
07/16/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92116
Web
At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX / XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services.

I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is.

I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me.

My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ).

Attached is the FIRST and ONLY written communication that I have EVER received regarding this matter.

07/16/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92116
Web
At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services. I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is. I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me. My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ). -Attached is the first and ONLY written correspondence that I have ever received regarding this matter.
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30052
Web
CREDENCE reported a collection on my account without verifying the debt. THAT IS ILLEGAL. I submitted a letter to them to VERIFY THE DEBT. They told me that this debt was in XXXX which was 3 years ago. In the state of California the statue of limitations is 2 years. I asked them for the following to provide to verify the debt. 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 them. 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. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. 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 under discussion between us.
02/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21207
Web
Dear Credence Resource Mangement : I am responding to your contact about a debt you are trying to collect. You REPORTED to XXXX, XXXX, AS WELL AS XXXX, on MULTIPLE DATES and identified the debt as verified debt 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 them. 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. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. 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 under discussion between us. Thank you for your cooperation.
10/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33418
Web
XXXX is trying to collect {$770.00} on an account that has been on disaster suspension since XXXX of XXXX. My husband, XXXX XXXX, and I placed our XXXX XXXX account ( XXXX Account No XXXX ) on a Disaster Suspension on XX/XX/XXXX, after an XXXX feeder line that runs along a canal in my community disconnected and sent the full charge through my home the evening of XX/XX/XXXX. The electrical current was so strong that it blew fixtures off our home inside and out, melted parts of the metal fence and screened enclosure attached to our home, started a fire in the yard and created a smoldering hotspot in our attic that. XXXX pulled the meter from the home that night, the home has been uninhabitable ever since - and remains so as I write this. The disaster suspension was to expire in XX/XX/XXXX, but no repairs had been authorized at that point, so I called and requested it be extended, which I was told was approved. I called again on XX/XX/XXXX after seeing a charge on the suspended account and, again, requested the disaster suspension be extended. I spoke with a XXXX XXXX agent named XXXX who gave me a case ID of XXXX and said the suspension would be extended another 6 months - through XXXX of XXXX while we awaited for some movement from our insurer or the courts on the status of repairing our home. I provided the following supporting documentation to that effect : - The XXXX XXXX Police incident report ( XXXX ) - The XXXX XXXX XXXX incident report ( XXXX ) - The hotel receipt from the XXXX XXXX - XXXX XXXX ( XXXX ), - The 3-month lease for the second place we had to move while we waited for repairs to begin ( XXXX ) - The year lease ( which we are currently still in ) for the third place we have had to move while we continue to wait for repairs to be authorized from our insurer ( XXXX XXXX XXXX XXXX XXXX XXXX ) - The video inventory confirmation of the return of the items taken for testing by the engineering firm XXXX XXXX - XXXX XXXX XXXXXXXX - The official Mediation Summary from our attorney, XXXX XXXX XXXX filed from XX/XX/XXXX in preparation for court-ordered mediation in reference to the lawsuit we had to file to compel our insurer to honor the claim filed more than a year ago ( Mediation Summary ). Further documentation of the event that left our home uninhabitable includes : - The claim number with XXXX XXXX and XXXX is XXXX - The XXXX claim number on this case is XXXX - The XXXX account ( Account No. XXXX ) for XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX was closed on XX/XX/XXXX - The lawsuit filed in the 15th Judicial Circuit in XXXX XXXX XXXX, Florida on XX/XX/XXXX -- the case number is XXXX I returned the XXXX XXXX equipment via XXXX as instructed in XX/XX/XXXX. I received an email XX/XX/XXXX from XXXX that XXXX 'creditor believes that the charges on your account are valid '. The charges are not valid and could not possibly be, as the home has been uninhabitable and without electricity since XX/XX/XXXX, the account was on disaster suspension ( and extended ) and XXXX confirmed to Credence that their equipment was returned. I am providing all of the same documentation here that I supplied to Credence, which they said was sent to XXXX. I am also including the post-incident appraisal of the property from XXXX and XXXX ( XXXX ) from XX/XX/XXXX, which shows the then - and current - unoccupied state of the home. The video link above ( XXXX XXXX XXXX XXXX XXXX XXXX ) is from XX/XX/XXXX when I had to make a video in the property to verify the chain of custody of the items taken for testing after the event by the engineering firm XXXX XXXX. It is hard to understand how any confusion about this account could have arisen, but I will promptly provide any other documentation you feel is necessary to correct this error. Can anyone please help? Thank you, XXXX XXXX & XXXX XXXX
12/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23324
Web
Credence Resource Management Attempting to collect debt that was not agreed to pay for XXXX XXXX when sent debt validation letter they did not respond and continue to report to bureaus To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request of verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec, 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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 legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. 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. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTIONS DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt Commision for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
02/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93313
Web
Credence Resource Management LLC To Whom It May Concern : I am disputing a debt from XXXX XXXX and am requesting your assistance in clearing this debt since I have been unsuccessful at this point. XX/XX/XXXX : XXXX XXXX installed cable service at my home at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX. Prior to the installation, I received calls from XXXX XXXX telemarketers. Id just moved back into my home approximately three to four weeks before the installation. The Telemarketer I spoke with offered me promotions and cable services which came to {$110.00} a month. The Telemarketer said I had a 30-day trial period. Shortly after the installation, XXXX XXXX started sending me bills for {$210.00}. I called XXXX XXXX a few times and they would not help me. After approximately two weeks, I received a bill from XXXX XXXX XXXX for my cell phone with an approximant {$20.00} increase. I called XXXX XXXX XXXX, and they said when I received XXXX XXXX services my cell service increased. My XXXX XXXX XXXX cell service was a business rate Ive had for several years. Ive been with XXXX XXXX XXXX for over 20 years. I told XXXX XXXX XXXX that XXXX XXXX never told me my cell phone service would go up each month for installing XXXX XXXX. XXXX XXXX XXXX immediately changed my cell phone service back to my old plan. At that time, I called XXXX XXXX again and told them that my XXXX XXXX XXXX cell service increased. XXXX XXXX told me there was nothing they could do and I owe XXXX XXXX {$210.00} dollars. In addition, I told XXXX XXXX that the Telemarketer offered me promotions that I never received. XXXX XXXX said they did not know about the promotions. XXXX XXXX lied several times throughout the whole process. I told XXXX XXXX if they can not help me I would have to cancel their services. XX/XX/XXXX : ( fifteen days after installation ) I cancelled XXXX XXXX and returned all of XXXX XXXX equipment. XXXX XXXX started sending me bills for {$600.00}. I called XXXX XXXX several times and told them what happened and asked why am I getting charged {$600.00}. XXXX XXXX said the charge was for an early cancellation fee. I told XXXX XXXX the Telemarketer said I had a 30-day trial period and if I cancelled within 30 days there would be no charge. After two or three months after cancelling XXXX XXXX, Credence, the Collection company started calling me daily. I told Credence about the lies and unethical ways of XXXX XXXX and Credence did not care and continued to call me. On XX/XX/XXXX, I sent a letter to XXXX XXXX and Credence regarding this dispute. On XX/XX/XXXX, Credence sent me a new billing statement and lowered the charges from {$600.00} to {$140.00} with Reference ID # XXXX. I called Credence and told them again why I think it wrong that Im being charged these fees and Credence did not care. On XX/XX/XXXX, Credence sent me a second bill for {$140.00} with Reference ID # XXXX. In the mean time, I called XXXX XXXX and they said all charges had been removed. In addition, XXXX XXXX had me talk to the manager of the Collections Department. The manager said the XXXX fees were from XXXX XXXX and the fee was carried over when I cancelled services. The manager said after listening to my dispute that he thought the Telemarketer and XXXX XXXX were wrong. The manager said he put notes in the file stating he recommend to drop the dispute and to wave all fees. I called Credence and told them that XXXX XXXX manager said Credence can call him and would recommend waving all fees. Credence said they would not wave the fees. I have also sent a letter to the Federal Communication Commissioner ( FCC ). I would really appreciate your assistance with this issue in clearing this debt. Please contact me at your convenience.
10/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76179
Web
I was an XXXX costumer for a long time and always paying my bills on time. When my bundle promotion expired my charges for my XXXX XXXX went up. So I called XXXX to see what promotions they had available at the time and since they did n't have anything better than what I had before they told me that the best thing was to just have a new plan so I did. The representative also told me that after finishing the call with him I could call back to XXXX XXXX XXXX but to a different number to get my home line canceled so that by canceling the home line which a really did n't need but I had it just because it was part of the bundle it would lower my bill. So after I ended up the phone call I called again and get the home line canceled. A few days later I was checking my account and I realized that the amount I had to pay for my internet was higher than what they told me so I called XXXX XXXX XXXX to ask about that, they apologized and said that whoever spoke to me on the phone made a mistake and the price was higher because it was not a bundle and that there was nothing he could do for me anymore. So I asked the representative that since I was on a new plan but not on a bundle anymore, what would happen if I was able to find a better deal with another company ; if I could just cancel my account with ( XXXX XXXX XXXX ). He said that since at the moment I was on a month to month basis and not under any promotion so I could just cancel any time without any type of penalties or cancellation fees. So I started looking for another internet provider and I found a better deal with XXXX. A few days later I called XXXX XXXX XXXX and canceled my account with them, they asked me why and I explained the whole thing again. At that time, I told the representative that I was told by another representative that I should not have to pay any cancellation fees because I was not under any promotion and she said " yeah, that 's correct ''. A few weeks later a received a bill form XXXX XXXX XXXX where they were charging a cancellation fee for {$100.00} plus fees and taxes a total of {$110.00}. I called on XXXX/XXXX/16 to ask about the bill and after explaining everything they put me on hold for a very long time and finally the representative said that she was going to write a note on my account to get it fixed. A few weeks later I received a letter showing a balance of {$110.00} again so I called right away on XXXX/XXXX/16 to ask about the cancellation charges and after explaining everything and putting me on hold several times, the representative said that it was a mistake that they should n't have charging me a cancellation fee, he said that everything was resolved and he apologized for the inconvenience, he also said that I should n't be worry about that any more. Then, a month later a received another letter saying the same thing about me having a balance of {$110.00} and again, I called right away on XXXX/XXXX/16 to find out what was going on and after explaining everything to the representative, he said that he was not able to see any notes about my last call or any request to remove the cancellation charges, he said that in this situations they can not just request a cancellation fee removal, he said that they have to send a notification to another department that handles this and that they should be calling me or sending me a letter to notify me of any updates on my account. I never received any calls from XXXX XXXX XXXX, XXXX mails or a letter in regards this matter. But today XXXX/XXXX/16 I just received a letter from Credence Resource Management, LLC for collection saying that XXXX XXXX XXXX XXXX has been assigned them to collect the amount of {$110.00}.
10/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30518
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
10/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30096
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MAMA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • DE
  • 19802
Web
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO XXXX OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me.
08/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30046
Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • XXXXX
Web
Please remove immediately your company is reporting and Open Account status on a Closed charged off account from ( credence Resource Management ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
08/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10033
Web
On XX/XX/XXXX, a debt collection account had been posted under my social security number for an account dated XX/XX/XXXX for a total of {$380.00}. The original creditor was XXXX XXXX, and the debt collection agency was XXXX XXXX XXXX ( account # available upon request ). I never had an XXXX account, nor did I ever receive any notice, written or otherwise, of this balance prior to it being sent to collections. I also never received an official debt collection letter and only found out when I ran my credit report. I first tried to resolve this by calling XXXX, but they were not able to give me information since my name, address, telephone number were not associated with the account. I then proceeded to file a dispute through the credit agency ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX. Both times my dispute was verified as accurate and met the Fair Credit reporting requirements. The collection was removed from my report and as of XX/XX/XXXX, my credit report showed no open collections. Then on XX/XX/XXXX, I received an alert through XXXX that the collection had been reopened on my account but transferred to a different collection agency ( account # available upon request ). This time I called the collection agency to dispute and asked them for a debt verification letter ( gave them my real address for the first time they did not have my address before this and so I had never received written notice from a collection agency at this point ). They confirmed via phone that the collection was associated with a different name and residential address ( they had this persons name and address ). The collection was removed from my account soon after and as of XX/XX/XXXX I had zero open collections on file. I then received a letter dated XX/XX/XXXX from XXXXXXXX XXXX XXXX XXXX ( account # available upon request ) stating that the information was furnished to the credit reporting agencies, and a request had been made to remove the information from my report. On XX/XX/XXXX, I received an alert through XXXX that the collection had been opened yet again with a different credit agency ( Credence ). To my knowledge, I have never received a written letter or phone call from this agency in an attempt to collect the debt owed. I have yet to contact the Credence collection agency to dispute since the past 2 years have shown me that the collection will get removed only to be transferred to another debt collection agency and appear on my report a few months later. This is greatly affecting my financial health as I am being denied requests for opening new lines of credit, even though I had excellent credit otherwise. I have medical debt that I need to pay - and am relying on being able to use credit in order to pay- but am unable to be approved with the current derogatory mark on my report. I also have federal student loans for a ridiculously overpriced XXXX XXXX ( more than $ XXXX for a 2-year XXXX XXXX program I drank the kool-aid ). Thankfully ( thank you XXXX! ), I am enrolled in public service student loan forgiveness. However, I fear that when student loan repayments start up again this Fall ( in the midst of a recession?! ), I will fall behind. Any assistance or information you can provide me to resolve this matter would be greatly appreciated. I am most concerned with ensuring that this derogatory mark can be removed from the credit file. Thank you in advance to all the fine people at the CFPB and Federal Reserve continuing this very important work.
12/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 386XX
Web
On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$110.00}. I had no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
11/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 802XX
Web Servicemember
In XXXX XXXX, I had a Permanent Change of Station set of orders for the XXXX XXXX XXXX. I had to move out of XXXX XXXX, TX to XXXX, XXXX At the time of the move, I called XXXX to cancel my internet service. At that time, they cancelled my account and stated that I did not have to return any equipment, and that my account was fully paid for and settled. I proceeded to move to my new station. On XXXX XXXX, my credit card account was charged {$140.00} by XXXX. I called XXXX to question this charge, and they said it was for unreturned equipment, which I was told when I cancelled my account that I did not need to return because I owned the equipment in question. The XXXX representative confirmed on the phone this charge was in fact an error, and that the fastest way to fix the problem would be to put a dispute to my credit card ( XXXX XXXX ) company so that they would reverse the charge, which I did. XXXX XXXX had started the dispute process. On XXXX/XXXX/XXXX, the charge of {$140.00} was reinstated on my XXXX XXXX card. I called XXXX XXXX, and they had told me that XXXX said that the charge was for the unreturned equipment. I had called XXXX again, and they again said on the phone that this charge was not correct, and that I did not need to return equipment because I had owned it, and that I would be sent a refund for the {$140.00}, and that I should speak to my credit card company again to dispute the charge which I did. Approximately 1 month later, I called XXXX XXXX to receive an update on the status of the dispute, and the representative mentioned that XXXX and XXXX XXXX were continuing the dispute process. In the meantime, I still received bills from XXXX and called XXXX back, who again, on the phone, mentioned that I should not be receiving these bills as I do not owe XXXX any money/equipment. XXXX XXXX on XXXX XXXX, sent me notification that the dispute was resolved, and that XXXX would be crediting XXXX XXXX for the erroneous charge. A few weeks later in late XXXX, I received a bill from XXXX for the {$140.00}, and a notice stating that the account would be sent to collections. I tried calling XXXX several times, and was unable to reach a representative. On XXXX XXXX, I received a notice from Credence debt collection service on behalf of XXXX for the {$140.00}. I called Credence and they stated that XXXX would not send a bill to collections if it was incorrect, and explained that the {$140.00} is valid because there is a delay in the last billing cycle when an account is closed. They mentioned that this bill was for the last month of service, not equipment as XXXX had been saying. This was inconsistent, as my monthly bill has never been in the amount of {$140.00}, and I was also told multiple times by XXXX that it was erroneous, and further XXXX XXXX had resolved the dispute with XXXX which ended up crediting my account. Now my account is in collections when it should not be, I have an impeccable record of paying valid bills on time and it is not right that XXXX continues to charge me for something that I do not owe money on and that now they have sent it to a collection agency marring my record. Additionally, the collection agency was very supportive of XXXX, justifying their charge when it is in fact an error. Can you please help me clear this up, and clear my name from collections? I have been a responsible consumer and do not let valid bills go delinquent, and this is unfair to me as a consumer.
04/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 482XX
Web Older American
XXXX XXXX XXXX To who ever cares I entered a contract with your agent at the XXXX store for XXXX XXXX Unlike my wife { she passed XX/XX/XXXX } who used to call XXXX XXXX XXXX and argued with someone from XXXX XXXX or XXXX. I will not.. I was ready to leave XXXX XXXX XXXX XX/XX/XXXX Your agent { XXXX } at the XXXX store talked me into staying and said she would save me money by switching to XXXX and that I could switch back.XXXX XXXX was not working correctly so I made the mistake of calling the phone number to XXXX to switch back. XXXX XXXX came back out and they put in the basic tv package. When I asked for the package I had. Tried to add XXXX XXXX to watch XXXX XXXX NO I again talked with your retail sales consultant { XXXX } person to person and had agreed To a price of around {$270.00} a month total bundle I asked her how do I know they just wont jack up the price later? like they did before. She took a photo of my bill off the computer with my camera so that I have proof She argued with someone on the phone that day about said plan And { XXXX } told the person on the phone that I was a customer for years and I was going to leave if I didnt get my price..she said it was settled same price every month for a year. I signed a tablet. Now here you guys go again telling me it was an Introductory price and we want more money. I will only pay for what I agreed tonot some changes that someone altered. I Paid XXXX XXXX XXXX XX/XX/XXXX.. {$270.00} XX/XX/XXXX.. {$270.00} start of overcharging XX/XX/XXXXI paid { {$260.00} .XX/XX/XXXX {$270.00} } I went over to XXXX XX/XX/XXXX They installed it on the XX/XX/XXXX I went to the XXXX store and they handed me the phone to talk to XXXX XXXX XXXX. [ XX/XX/XXXX ] and I had to give her my info and pin number and she asked me to stay. I said NO You were not satisfied with {$270.00} a month and Ive been a loyal customer no longer Your people overcharged me {$50.00} for XX/XX/XXXX and XX/XX/XXXX I went to the XXXX XXXX XXXX store and they couldnt help me+ gave me a card I called the number XXXX XXXX from XXXX couldnt find my account On XX/XX/XXXX I called XXXX XXXX couldnt help told me to call XXXX { a dead number } Dead numbers and rabbit holes ..can I talk with an XXXX? ..no Ill help youall they are allowed to do is read you you the incorrect bill over the phone. I tried I made calls [ 35 } [ 7 ] re corded conversations with XXXX XXXX XXXX personel giving their permission.your turn. All my calls are documented the recordings reflect a desire to send me down a bunch of rabbit holes hoping Ill just give up? Maybe you wanted paperless too? nice try Are you at this date aware that I went somewhere else last year. Your billing is also proof positive of your failure This is not about my ability to pay its about you XXXX XXXX XXXX The left hand has no idea what the right hands is doing. I have always paid my way and you are not going to bully me for money I dont owe. XXXX XXXX XXXX voided the contract not me. Your billing statements are faulty and now you think you can send me a bill for mobile when I was in a package deal no way See ya in court I was truthful with { XXXX } and she was truthful with me. I told her face to face that I would bail out if they started this again and here we are. Too many people in the cookie jar Account # A letter was certified mailed to you about my desire to fix this and other things that are proof of this rabbit hole
04/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64138
Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq and 15 USC 1692e this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
07/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32259
Web
I attempted to cancel my XXXX service at the end of XX/XX/XXXX due to service not working for nearly a month ( part XXXX-XXXX ). We ignored it initially because we used XXXX to stream most of what we consumed. Not wanting to pay for something we werent using, I called to cancel our service. They asked if Id consider allowing them to fix it at no cost. ( Actually charging us but giving a credit to my account to cover the charge ). The technician came out to my home a total of three time in XX/XX/XXXX. After the service failed again, I called to cancel the service in mid XXXX. At that time, we were told that wed receive a box to send back our equipment. The box never arrived. I called back Again in XXXX. I began to try to make records of my conversations at that point because I received different information each time I called. It also appeared they were trying not to cancel my service as was being requested. This was more evident by the bill I received showing my service was not cancelled. They charge me for XXXX and XXXX. Here are a few records of my interactions over the next several months. I didnt get information for all of my interactions with them but here are a few : XXXX cancellation XXXX XX/XX/XXXX XXXX Cancellation number:XXXX Credit will be back to original cancellation date. XXXX XXXX XXXX Cancellation number : Disconnection SR # : XXXX An escalation will be put in and someone will contact me about the fixing the matter of the additional charges. XX/XX/XXXX XXXX XXXX XXXX est said they could not talk about this charge and refused to escalate the matter. She also stated XXXX XXXX XXXX could no longer discuss the charges with me. I could only speak to the collection agency theyd sent me to. I was finally able to learn that I could take the equipment to a XXXX store and return it and I did that. One fact to prove I cancelled the service in XXXX was that I signed up for XXXX now streaming service since we were already streaming other services like XXXX. I still currently have XXXX XXXX. We plan to cancel because of this issue but will keep It until we hear back for the FTC. Its further evidence that we cancelled the regular XXXX service. ( As no one would keep a regular and streaming services of XXXX. ). The original outstanding charge was for roughly {$120.00}. Its not inflated to {$190.00} with their penalties and interest. I do not owe XXXX XXXX XXXX anything. In truth, I should have been compensated for no/intermittent service part of XX/XX/XXXX, XX/XX/XXXX and part of XX/XX/XXXX up to my cancellation date. Not only was I not compensated but a collection agency is contacting two of my uncles, my wife and brother in law asking for personal information about me. I do not feel I should be taken to collections over a debt I do not owe. I want this constant harassment to stop and Id like to file a formal complaint against XXXX XXXX XXXX for the way they've tried extort money from a consumer by not canceling my service as requested. If they record the calls as they say, all my assertions are easily verifiable. Your agency is the only protection regular Americans have against these large companies ability to attack and harm our credit. I thank you in advance for your attention and help. Im also willing to appear in court or before Congress if necessary. I just dont want these people to do this kind of stuff and get away with it. XXXX XXXX XXXX
09/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78681
Web
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SUB : Fraudulent Billing for XXXX XXXX Services XXXX Account Number XXXX Reference Account Number : XXXX Dear Sir/Madam The disputed amount of {$230.00} has already been deemed to be a fraudulent charge by XXXX by XXXX XXXX Associates and multiple other collection agencies who have initially attempted to collect from me. This has already been submitted to all three credit bureaus who have since removed the derogatory comments from my credit report. In XX/XX/2019, XXXX stopped carrying the local XXXX channel because of an internal dispute with XXXX and XXXX. On various dates in XX/XX/2019, I placed multiple calls to XXXX Customer Service asking if they were going to provide a credit to my account for unavailability of the XXXX XXXX. Several Customer Reps that I spoke to, refused any credit. After some very frustrating conversations in XXXX, I called into XXXX again during the first week of XX/XX/2019 and requested that my account be terminated. Because of the arrogance of the rep I spoke to, I started raising my voice and was then told to be professional on the phone. During the same conversation, I requested immediate termination of my account. I was then offered to be transferred to Account Retention services. This, now appeared to be a little late in this entire saga of events. I was - also in the same phone call told to return my equipment via XXXX and that would effectively terminate my account. A copy of my equipment return slip and final payment for the XXXX bill is attached to this correspondence. XXXX XXXX XXXX makes it very attractive to sign up for their services but they make you jump through hoops to get your accounts terminated. Even those attempts are all futile as they never follow through on their phone conversations. XXXX XXXX XXXX is also a company that engages in deceptive advertising and predatory billing practices subscribers have been leaving the company in droves so much so that they have now had to shut down XXXX. Im quite sure that Im not the only one who is being billed for services after equipment has been returned. After the equipment was returned, I made several attempts with XXXX Customer Service, to confirm that my service had been terminated. These attempts were made via social media accounts, phone calls and each time, it was the same frustrating experience with them offering a new termination date. I have not YET been successful in achieving this objective as each conversation started on the phone or online, treats my request as a new request for termination the latest of these XXXX conversations being on XX/XX/2019 where I was told that my account would be terminated on XXXX XXXX for equipment that was returned in XXXX because customer service, account management and accounting departments are a total mess and disorganized at XXXX I have provided the same documentation ( that is attached here ) to all three credit bureaus All of them have recognized the charges as spurious and bogus and have deleted the derogatory comments from my credit report. I will be filing a complaint with the States Attorney General with the same supporting documentation that I am providing you here ... .so that they are aware of XXXX XXXX deceptive billing practices. I would appreciate acknowledgement of this communication. Sincerely XXXX XXXX XXXX
07/13/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20653
Web Servicemember
My name is XXXX XXXX I am writing this complaint against CREDENCE RESOURCE MANAGEMENT, ACCOUNT # XXXX, ORIGINAL CREDITOR : XXXX XXXX. I sent a certified letter to CREDIENCE RESOURCE MANAGEMENT on XX/XX/2021 they receive it on XX/XX/2021 ( letter and certified receipt is attached with this complaint ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of Texas were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) and FDCPA Sec. ( c ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? XXXX Amount paid if debt was purchased : XXXX__________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants CREDENCE RESOURCE MANAGEMENT the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for CREDENCE RESOURCE MANAGEMENT, in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
06/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77373
Web
XX/XX/2021 I spoke with XXXX a representative with Credence Resource Management and informed the representative this is not my account To : Credence Resource Management Original Creditor : ( ATT ) Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( 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 in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices 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 a 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, my cell phone 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. You also may not communicate with me by email. All future communications with me MUST be done in writing and sent to the address noted in this letter. Additionally, please refrain from contacting any of the financial institutions where I have accounts or with which I have relationships. You have no right to access any of my personal or financial information that isnt part of public records. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
07/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32256
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : 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 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf 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. CREDITOR CONTACT INFORMATION : CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
01/26/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89030
Web
On XX/XX/XXXX I received an initial demand letter from Credence who was retained by XXXX XXXX XXXX for services rendered. I checked my records and verified the balance they were demanding was valid and the bill remained unpaid. At this time I contacted the office and agreed to payment plan for full repayment. The balance presented by the agency was {$140.00} on the initial demand letter that they sent to me. XX/XX/XXXX Paid {$25.00} XX/XX/XXXX Paid {$50.00} XX/XX/XXXX Paid {$72.00} paying the account in full and satisfying my obligation to XXXX XXXX XXXX and Credence who represented the. On XX/XX/XXXX I received an incoming call from Credence to my phone at XXXX from a phone number Identified as Credence XXXX. At that time I thought nothing of it as they didn't leave a message and I assumed it was in regards to the small overpayment on my debt. In XXXX I received the following call attempts from Credence : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Beginning in XXXX Credence must have started having technical failures with the Automatic Dialer ( ATDS ) as I began receiving calls both more frequently and multiple times in the same day. Sometimes the calls will come in succession by ringing once, disconnecting, and calling right back and other times they are spaced out through the day. In XXXX I received the following call attempts from Credence : XX/XX/XXXX, XXXX, XXXX, XXXX x 7 calls, XXXX x 4 calls, XXXX x 7 calls, XXXX x 4, XXXX x 5 calls, XXXX x 3 calls, XXXX x 2 calls, XXXX x 2 calls, XXXX x 2 calls, XXXX x 3 calls, XXXX x 3 calls, XXXX x 2, XXXX x 5 calls XX/XX/XXXX x 2 calls, XXXX x 2 calls, XXXX x 7 calls, XXXX x 3 calls, XXXX, XXXX x 5 calls, XXXX x 3 calls, XXXX x 3 calls, XXXX x 8, XXXX x 4 calls, XXXX x 3 calls, XXXX x 4 calls, XXXX x 8 So in summary of the above list I can provide the dates and times that Credence contacted me 7 times in XXXX, 9 times in XXXX, XXXX times in XXXX including up to 8 contact attempts in the same day, and XXXX times in XXXX including up to 8 contacts in the same day. At this point I have attempted to call them several times and never been able to reach an agent and to date I have not received a single correspondence from Credence, or put another way in 4 months they have made 122 calls using an ATDS to my cell phone and in those 4 months have failed to provide me with an initial demand letter either complaint or non complaint with Nevada XXXX and not allowing me to dispute any alleged debts. In XXXX when I had an actual valid account I pulled out the documents in preparation for this filing and found that on XX/XX/XXXX I emailed them to inquire about multiple calls received. The email I sent mentioned I have no knowledge of the agency but I was in the hospital the previous year and was working through the debts. They quickly replied admitting no fault and emailed me a secured initial contact letter stated that XXXX placed the account on XX/XX/XXXX. Had I never reached out I would have received the initial demand letter on XX/XX/XXXX which was dated XX/XX/XXXX via regular mail. At that point the debt had been paid and I assumed it nothing more than an innocent error that is now looking more like a pattern.
04/09/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 780XX
Web
XXXX XXXX XXXX and their agent refuse to correct their errors and negligently continue to assert a balance is due when they know it is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Notice of Disputed Debt - Attached Notice for Account XXXX Dear Representative : The most recent attached bill issued XX/XX/XXXX, is inaccurate. To date I have not received the corrected bills I have requested in writing and in my phone calls going back almost 6 months. Your repeated failure to address the billing errors I brought to your attention forced me to terminate my service with XXXX XXXX XXXX. ( I had been a loyal customer of XXXX XXXX XXXX for over a decade who always paid his bills on time. ) I have attempted to work with XXXX XXXX XXXX to correct several errors made in billing me each month going back to XXXX of XXXX. To date you have both failed make adjustments agreed to in our phone calls and those mentioned in the calls and letters I have shared. Therefore, this letter is to notify you I continue to dispute the debt you allege I owe, and I have calculated what I owe XXXX XXXX XXXX in good faith and a check is enclosed for the portion of the debt I do not dispute which is {XXXX} ; any amount in excess of this is inaccurate and I dispute it in full. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Notice of Disputed Debt - Attached Notice for Account XXXX Dear Representative : I have attempted to work with XXXX XXXX XXXX to correct several errors made in billing me for months now. To date you have both failed make several adjustments agreed to in our phone calls. Therefore, this letter is to notify you I disputed the debt in full. I have called you on at least 4 occasions regarding these billing errors now and ask that you please revise your bill to take into account what was agreed to and discussed in those phone calls. Please refer to the notes and recordings of my prior phone calls with your representatives to gather the information you need to issue a revised and correct bill. I will promptly pay what I owe once you provide an accurate and detailed invoice of any balance I owe. Three of the key issues discussed in my phone calls include the following. 1. I was told my bill would be {XXXX} a month plus taxes on XX/XX/XXXX, yet it was {XXXX}. Attached is the documentation where XXXX XXXX XXXX acknowledged my bill would be {XXXX} a month going forward dated XX/XX/XXXX. 2. I spoke XXXX XXXX XXXX in an attempt to resolve this matter on XX/XX/XXXX, they acknowledging they failed to cancel the service on line XXXX and my bill was wrong. They assured me they would make adjustments to my bill which they have failed to do to date. They gave me a case number of XXXX. 3. In one of my calls they said they would correct the error for charging me an early termination fee for the line XXXX since it not terminated but replaced with line XXXX which has not happened to date. Look at your records, I had been a faithful customer for over a decade and always paid my bill on time. However, your failures in this matter, continuing billing errors, and remarkably poor customer service on my account issues since XXXX of XXXX forced me to move my service to another provider.
03/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91306
Web Servicemember
Approximately around XX/XX/2019 I started receiving phone calls from a company called Credence. A young lady greeted me and she said Credence is a debt collection company regarding XXXX XXXX XXXX XXXX and said I owed {$510.00}. I asked for what and she asked if I had cell phones and I said yes. She read all four ( 4 ) of my cell phone number 's I have with XXXX XXXX XXXX and said it's for the cell phones I have ( she also had my home address ). I told her I still have my cell phones and I have been paying XXXX XXXX XXXX monthly for them in cell phone charges, taxes etc. The young lady I was speaking to said she would transfer me to her supervisor and I explained the same thing to him. He then said ok, this is what we can do ... we will lower the balance you owe of {$510.00}. I told him that I would like to speak to XXXX XXXX XXXX and I also asked him to mail me something in writing. He said ok let me get them online and we'll do a 3 way call. He did call XXXX XXXX XXXX and it was a recording saying they will be right with us momentarily. However, we were on hold for a while so he said that they would call me back tomorrow. And I said ok. In the meantime, I called XXXX XXXX XXXX myself, I was able to get through, I spoke to a customer service representative and explained that a company was trying to say I owe {$510.00} for XXXX XXXX XXXX XXXX , XXXX XXXX XXXX checked my account and said I have a {$0.00} balance. They said that the next time I speak to Credence I can advise them to call XXXX XXXX XXXX and I agreed. The next few days Credence called my cell phone numerous times, I would answer and I didn't hear anyone on the other end, once I said hello they would hang up. This went on for a while, sometimes I would just ignore the call and would not answer. Today, XX/XX/2019 I received a call from them again, I answered and no one was on the other end. This time I called them right back and right away a man answered. He had my name, cell number and even verified my home address, I confirmed. He told me about the amount I owed and I told him that I've spoke to them a couple weeks ago and that I have even spoke to XXXX XXXX XXXX and that I do not owe {$510.00}. I explained to the man that usually when your account goes to collection that a bill would come first from the company which would be XXXX XXXX XXXX trying to collect the amount, then if I didn't pay they would send to collections. I told the man that I have not received a bill from XXXX XXXX XXXX ever for {$510.00}. And furthermore, I had contacted XXXX XXXX XXXX and they said I have a {$0.00} balance. The man continued to say that I owe XXXX XXXX XXXX XXXX. I told him that I did not have a {$510.00} balance with XXXX XXXX XXXX, I also said they should call XXXX XXXX XXXX themselves to verify I have a {$0.00} balance, I then went on to say that I still have my phones, that I pay monthly for cell phone charges and I thought that they are a fraud company and I wanted them to please remove my cell phone number from their list, because I get a call everyday from their company. The man said ok I'll remove your number from our list then and he hung up. That was the end of our conversation.
01/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07206
Web
The following company bought a debt that was already removed from another collection company and reinsterted onto my credit report. 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, mental anguish, and XXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.THE COMPANY CREDENCE RESOURCES MANAGEMENT, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
07/31/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 711XX
Web
Approximately 2.5 years ago, as I was getting out of a car, I accidentally dropped my cellular telephone ; the ( protected ) screen struck a concrete curb at a 45 degree angle, permanently destroying the telephone. I called XXXX XXXX XXXX to cancel my account with them. It should be noted I was not under any contractual obligations at this point, either ; I had ( what is known as ) " month to month '' billing. I was living in New Jersey at the time. My billing cycle was from the XXXX of the month to the last day of the month. When I called, it was several days prior to the end of the billing cycle. The representative tried vehemently to bargain with me not to cancel the account ; however, as I was resolute about this, I ( verbally ; again ) refused. ** It should be noted after this point, the representative became significantly less cooperative ( almost hostile ). I asked her what was the final amount due. She said she needed my 4 digit pin, part of a 3 step online login process they had at the time to look at my account, since this was how I ( and most people ) typically paid my monthly invoice ( online ). Unfortunately, I could NOT remember the 4 digit pin, and she told me she was not allowed to login without my pin ( this is part of the hostility ). I asked her again to PLEASE give me the amount due ( IF there was any ). Again she refused. I could not get any help via customer service, or online and since I did not receive a paper bill ( XXXX XXXX XXXX charged several dollars extra ) each month to do so, which has become typical these days. Therefore, to the best of my knowledge I was current with my account. After this frustrating telephone call, attempting to cancel my account, several days later I received an invoice, which was at least twice the amount I typically paid. I was being treated incredibly bad, especially when you consider my parents and I had been customers of XXXX XXXX XXXX continuously for over 60 years. It was as if I had never called the XXXX XXXX XXXX representative. In summary : She ( A ) did she not cancel the account, plus ( B ) billed me for another month, even though she knew my cellphone was broken and I could not use it ; ( C ) she knowingly did not attempt to help ; ( D ) She sent me an invoice for double the usual amount, and ( E ) XXXX XXXX XXXX turned this over to a collection agency, which is damaging my credit report. I had done everything I knew how to do to cancel the account, and all this occurred. Whatever happened to good faith? Now, I have a collection agency, calling me at XXXX XXXX in the morning, and they are trying to illegally bargain with me the amount ( they claim ). Even if I did owe any amount, they are aware the procedure is to send me a bill offering a potentially reduced amount in writing. All this is incredibly frustrating. If anything is due, it is XXXX XXXX XXXX that owes me, for being a long time ( over 60 years ) and loyal customer ; plus I spent hours and hours of my valuable time trying to do the right thing. Worst of all, XXXX XXXX XXXX is treating me as if I am an deadbeat client, ruining my credit while doing so. Shame on XXXX XXXX XXXX.
09/19/2022 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 44070
Web
Spoke with XXXX XXXX XXXX Representative/XXXX on either XX/XX/XXXX or XX/XX/XXXX to inform XXXX XXXX XXXX that I was moving and that I needed to terminate my service at the end of the month. I believe the date provided was XX/XX/XXXX. He cancelled service immediately as a hard cancel. This was discovered later following conversations. On XX/XX/XXXX, requested a call back because I received a message that service was cancelled and there was no Wi-Fi service within my home. Received a message that a rep would call me back. Upon discovering that my service was erroneously cancelled, I called and spoke with Many People that were all unresponsive and unable to assist with the restoral of service. Since I was not able to obtain helpful service, I researched and contacted the Presidents office. Spoke with XXXX XXXX XXXX XXXX XXXX, Office of the President. She worked with the back office and technical support to resolve the issue. Spoke with XXXX whom attempted to restore service remotely but with no success ( Case was initiated ). Spoke with another XXXX within the President 's Office. She requested that I call her back after the cancellation of services so that she can make sure that the account was properly closed with no charges and record of equipment return documented correctly becuse she said that sometimes there are issues with equipment return. I was assured that I would not be billed since the error was XXXX XXXX XXXX. On XX/XX/XXXX, it was decided that in order for service to be restored a technician needed to come to the residence and it was scheduled for XX/XX/XXXX. The technician made a visit on XX/XX/XXXX since technical service was not able to restore service remotely. Received XXXX on XX/XX/XXXX for equipment return. Equipment was returned on XX/XX/XXXX and I have a tracking document that it was delivered to the Return Center on XX/XX/XXXX at XXXX. On XX/XX/XXXX, spoke with XXXX and he advised at the time there was an outstanding balance of XXXX and this amount was expected to increase and as of XX/XX/XXXX, equipment was not returned although I had record of otherwise. Called and left message for XXXX XXXX on XX/XX/XXXX at XXXX EST and she never returned the call. Called and left message for XXXX again on XX/XX/XXXX and she failed to return the call again. XX/XX/XXXX ( XXXX ) spoke with XXXX in Collections. He was not able to assist with resolving the issue. Requested to speak with Manager. Spoke with XXXX, Collections Manager. He was not able to assist with issue as well. But informed me that account was cancelled on XX/XX/XXXX and total amount due was {$440.00}. Charges were for services and non-return of equipment. Received XXXX XXXX XXXX Final Notice on XX/XX/XXXX for {$440.00} Account has been forwarded to an outside Collections Agency ( Credence ). This is now affecting my credit and I am receiving phone calls and mailed correspondences. Final attempt to resolve issue was sent to XXXX XXXX XXXX XXXX, XXXX XXXX. However can not say with certainty that a response would be provided. Please note that I have documented images for the majority of the above images.
04/07/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 281XX
Web
To whom it may concern, My dispute originally started on XXXX. The above company XXXX Credence Resource Management ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, which ended on XX/XX/2023, for not properly validating this debt as previously requested and received in writing from me on XXXX per my attached XXXX proof of delivery. When validating the amount owed, they only sent the agreement and old statements but failed to show proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 as well, which ended on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Therefore Im requesting to have this debt immediately removed from all of the consumer reporting agencies that Credence Resource Management reports to no later than XXXXive business days of this CFPB filing, or I may be required to pursue legal action for their violations.
08/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32246
Web
The collection agency is Credence Resource Management aka Credence XXXX. They have aXXXX XXXX bill from when I was at a company conference earlier this year. Because I had not yet completed my deductible for the year, I initially owed about {$950.00} on this debt. Because I was sick for much of the beginning of the year XXXX I was not able to pay this bill in full to the original creditor, XXXX XXXX XXXX. The only payment options I was offered by the original creditor was the balance over 12 months, which I could not afford. The account was placed into collections on XXXX/XXXX/15 with Credence. Everytime I go online or call in, my balance has gone up again. I initially called them on XXXX/XXXX/15. They did not check to make sure I was the right person and only told me they were debt collectors after we had spoken for quite a while. That day I went online and made a payment for {$10.00}. I called in again today to make another payment and I spoke with XXXX XXXX XXXX or XXXX? ) and he was unable to answer questions about the account, the interest rate and the collection fees so he put a manager on the phone, XXXX XXXX. XXXX states that Credence RM is charging 6 % interest per annum on my account, however in the just 24 days they have had the account, the balance has increased by {$28.00}. On top of this they charge a {$5.00} processing fee for online payments or debit card payments. I noticed that 6 % per year should only be $ XXXX/year on a balance of {$950.00}. I asked manager XXXX XXXX about this, he said it was so much because the annual interest accrues daily. I asked him if this is not different than 6 % per annum he stated and he said I need to talk to their attorney, XXXX XXXX, in their " concern '' department which they also call their legal department. He repeatedly stated only the attorney could explain the math to me. Then XXXX offered me, for today only, that I could pay the original balance of {$950.00} ( guess I would just lose the payment I already made ) today and he would not charge me the interest that has accrued so far. I explained to him that I have been sick since the beginning of the year and just do n't have that much available. While I was on the phone with the XXXX the manager, I tried to locate the attorney XXXX XXXX through XXXX and my state bar association, but was unable to locate any attorney by that name. XXXX spelled the name for me after I insisted several times. I asked the manager XXXX what state the attorney is licensed in as I was unable to locate any contact information for him. He then admitted XXXX XXXX is not really an attorney, just a staff member in a different department. The collection agency is willing to let me make small payments but they ( NOT the original creditor ) are charging me interest on this medical bill, at a high enough rate that will mean I will never pay this off, only watch the interest grow and balance get larger while I pay the collection agency to collect my account and pay convenience fees for the " pleasure '' of that collection.
02/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79707
Web
On XX/XX/XXXX I received an " account notification '' from Credence Resource Management , LLC saying I owe them {$250.00} to resolve the account for less than the full amount of {$460.00} from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I sent Credence Resource Management , LLC a Debt Verification Letter via certified mail. The following letter states, " Dear Credence : This letter is in response to your letter dated XX/XX/XXXX. I request that you provide verification of this debt. Please send the following information : 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 5. Whether this debt is within the statute of limitations and how you determined that issue. 6. Details about your authority to collect this debt. 7. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. If you are contacting me from outside my state, provide the licensing information from your state as well. I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter. Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation. Sincerely, XXXX XXXX '' On XX/XX/XXXX, I received a " Dispute Investigation Response '' from Credence, but was not given the information I requested. In this letter from Credence they state, " We received your dispute on the above account. We have investigated your dispute and verified that the charges on your account are valid. Please call the toll free number below for assistance or any queries. XXXX XXXX XXXX : - XXXX. '' I was not given any verification of this " debt ''
07/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TN
  • 38583
Web
In XX/XX/XXXX our family moved to our new home.. we needed to move our XXXX XXXX service.. we had already been a long time customer for far beyond 2 years.. meaning our contract was now void and we were no longer under any obligation to stay with XXXX XXXX if we so wished to go elsewhere.. when scheduling the appointment time for installation, I had requested the tech call before coming to make sure I was home since my husband had recently had XXXX and was taking strong pain medication that would NOT allow him to make any kind of legally binding commitments or decisions ... the tech did not call first and just showed up at my house.. I was at work!! They asked my husband if he'd like to upgrade our current equipment, he told them to call me for that permission.. I then received a call and had declined the upgrade of our current equipment because I didn't want to lose all of our recordings we hadn't seen yet and I DID NOT WANT TO BE LOCKED INTO ANOTHER 2 YEAR CONTRACT!!!! Once I got home from work we had a new system and the tech was gone.. I asked my husband what had happened to our other equipment at which time he stated that the tech had told him that I accepted his offer.. HE LIED!!! Once I realized what had happened, I called XXXX XXXX at which time I was offered a special deal to keep our business and was assured that the contract would be exponged given the circumstances surrounding it's existence.. got our first bill to realize that they had NOT followed through with their offer, so I called to get things corrected since our bill was ALOT higher than it was suppose to be.. I was then told that they could not and would not be applying these credits because the representative I had spoken with did not properly notate our account!!! So i then let them know that we wanted to CANCEL service, at which time I was notified that we were under a 2 year contract due to our upgrade and there would be penalties for doing so.. I AGAIN told them that my husband was not legally allowed to make any kind of decisions on his own at that time due to his medications and he was under doctors care so even if he did agree to upgrade ( WHICH HE DID NOT ) He could not have legally made that choice or been held to that contract BY LAW, but that the tech had lied to him tellimg him that I agreed to this upgrade ( I MOST CERTAINLY DID NOT AGREE!!! ) So we disconnected our services, sent our equipment back to XXXX XXXX, and now we've been sent to collections over a {$530.00} balance because of cancelling our service due to this New " 2 year contract ''!!! WE NEED THIS DEBT REMOVED FROM OUR CREDIT BUREAU 'S AND CREDITED OUR ACCOUNT THE AMOUNT REPORTED DUE TO " EARLY CANCELLATION FEES '' FROM A CONTRACT THAT I NEVER AGREED TO AND MY HUSBAND WAS NOT LEGALLY IN HIS RITE STATE OF MIND TO SIGN OR NEGOTIATE!! I would also like to mention that we were NOT contacted by anyone any further after returning equipment until XX/XX/XXXX, when we learned that this debt had been turned over to collections!!!
07/14/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30046
Web
I sent out a Debt Validation Letter to XXXX XXXX XXXX and their Collection Agency in the Name of Credence to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the creditor and asked for legal documentation according to the Fair Debt Collection Practices Act ( FDCPA ). If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report ( Its been over 4 months and none of all the Documents I asked, according to my rights for have been provided ). I have not used the service from XXXX XXXX XXXX from the first day XXXX have set up with them. The way I got set up with their phone service was through representative with XXXX XXXX XXXX in the name of XXXX XXXX that stop me at a XXXX. XXXX gym located in XXXX Georgia. The male representative in the name asked me who was my current cellphone provider, I replied XXXX, who I have been with for 5 years.. He then asks me how many lines I had with XXXX ; I told him, XXXX. XXXX XXXX then said, XXXX XXXX XXXX has a promotion that is {$250.00} given to me for each line that I get switch over From XXXX to XXXX XXXX XXXX. I let him know that was a good deal and that Im interested but that I was still paying off a phone with XXXX with a line associated with it and if I did switch over how much would be my bill. He informs that that wouldnt be problem because with the {$750.00} promotion credit in total that I would be receiving from all three lines Im switching over to them, can go towards paying the phone off with XXXX. We later went through my options that he presented, and I chose the $ XXXX {$90.00} bill option for all three lines. We got all the set up process done and fast forward a month or so later after switching my lines I was charged way more then I was promise, never received all three {$250.00} promotion offer for all three lines I switch over and never was able to use my new XXXX XXXX XXXX SIM CARD because the phone that I had was still being payed off through XXXX ( after I repeatedly told him this situation that he told me to not worry about ). I have spoken to over XXXX customer service personnels in the time span of XXXX XXXX months, XX/XX/XXXX, from each department at XXXX XXXX XXXX and no one helped, some associates even hung up on me which really upset me because that was very poor customer service. That last personnel from XXXX XXXX XXXX customer service was very understanding and told me she was going to save on file and send my complaints to corporate or and higher up department to resolve my dilemma and to wait for a phone call. It has been months now and Im still being charge and my credit has went down almost XXXX points all because of a phone service? a service that i did not even received have yet to be contacted to resolve anything.
10/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 49504
Web
XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.
09/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33324
Web
My name is XXXX XXXX The purpose of this compliant is to resolve a dispute with XXXX XXXX XXXX XXXX and Credence Collection Agency. After three long years with XXXX XXXX XXXX, I decided to part ways with the company due to several issues including my monthly bill. XXXX XXXX XXXX continued to bill me for two lines after the second line was transferred to another phone server by my brother. After the second line was transferred XXXX XXXX XXXX continued to bill me for two lines months after the second line was transferred. I took on the initiative to contact XXXX XXXX XXXX XXXX to discuss this billing error on my bill. I was informed by the billing department that the correction will be made, and it will reflect on my next bill however, I was informed that I will not be credited for the few months that I had paid for two lines instead of a single line. Unfortunately, XXXX XXXX XXXX continued to bill me for two lines after I communicated to them of the error. The agent did apologize for the error and informed me that they will credit my account. The funds were debited from my bank account and was never credited as promised. Considering these unfortunate situations, I decided to part ways with XXXX XXXX XXXX XXXX and transferred to another cell phone carrier. I executed a call to XXXX XXXX XXXX XXXX, to resolve any billing and or charges that may impact me in the future. The agent request that my bill was zero dollars and request that I stay with them as they are trying to make all effort in correcting my bill. The agent also offered me discounts which I refuse to accept and request my account closed. The very day, I transferred my cell phone service to another carrier to start afresh. On XX/XX/XXXX; 2020, I received a bill via XXXX Mail from a bill collector representing XXXX XXXX XXXX XXXX for the sum of {$160.00}. I then initiate a call to the bill collector to amicably resolve the billing error. I informed the bill collector that I do not owe XXXX XXXX XXXX any money and this must have been an error. They insist that I pay one half of the bill and they will in turn clear the account. I request they contact XXXX XXXX XXXX Cellular to rectify the bill and that if anything XXXX XXXX XXXX owes me funds that I paid to them for several months when I was charged for two lines instead of a single line. In any case, the bill collector threatened me that they will report these charges to the credit bureau and wreck my credit worthiness. I kindly request you please investigate and resolve this matter promptly to avoid these charges to negatively impact my credit worthiness. I have attached the collection document to this complaint to assist with the resolution of my complaint Sincerely XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Telephone : XXXX Account number : XXXX Credence Credit Collection Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX www.credenqerm.com
05/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NV
  • 89149
Web
I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
04/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
10/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93001
Web
Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.
02/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WY
  • 824XX
Web
I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23666
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This CREDENCE RESOURCE MANAGEMENT account with a balance of {$150.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FCPA lawyer.
08/31/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • XXXXX
Web
Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX representative immediately after I received my bill. I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. XXXX XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.
08/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
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 the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 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 [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a 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 ( 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 inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
11/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 73013
Web
In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX. Approximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.
04/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 132XX
Web
To Whom it May Concern, I am reporting two incidents of identity theft involving myself. On XX/XX/XXXX, I noticed a XXXX XXXX XXXX XXXX account attached to my XXXX credit report. I contacted XXXX XXXX XXXX various times from XX/XX/XXXX - XX/XX/XXXX in attempt to dispute this fraudulent account. On XX/XX/XXXX, a closed XXXX XXXX account with five late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was added onto my XXXX credit report. Ive had a XXXX XXXX account for a long time and have always made monthly payments on time. The fraudulent XXXX XXXX had directly impacted my personal and professional life which has caused me a significant amount of stress and XXXX. The fraudulent XXXX XXXX account has XXXX late payments with red late payment showing on my credit report. I have attached documents of my accurate XXXX XXXX account as well as on time monthly payments with green checked marks for reference. During XX/XX/XXXX - XX/XX/XXXX, I spoke with several differenXXXX XXXX XXXX XXXX representatives during this time frame. Each XXXX XXXX XXXX representative I spoke with told me different solutions regarding my situation or hung up the phone on me. I throughly explained my situation and being victim of identity theft. For example, in XX/XX/XXXX, one representative assured me he would be taking the account off my XXXX credit report and that I would not be charged anything and no further actions would need to be taken on my part. Yet again, another representative promised to me that the account and debt would be taken off my credit report and no further steps on my part would be necessary. After several months and various attempts to resolve the situation, I escalated the situation to an higher up XXXX XXXX XXXX employee who could not help me either : Around XXXX, I noticed a new fraudulent error on my credit report. That fraudulent error being a {$910.00} XXXX XXXX XXXX balance in was sent to Credence Collections. On XX/XX/XXXX, I disputed this fraudulent debt from XXXX XXXX XXXX for the XXXX time and XXXX finally removed the {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors from my credit report. However, in XX/XX/XXXX, a new {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors was added on my credit report again after XXXX removed it the first time on XX/XX/XXXX. On XX/XX/XXXX, I disputed this fraudulent account once again by contacting the XXXX disputes department. Due to this situation, my overall credit score has significantly decreased which has directly impacted my personal and professional life. This has been an ongoing traumatic situation for myself. I do not know what to do at this point to resolve this as this has been an ongoing issue since XX/XX/XXXX and XX/XX/XXXX.
04/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22192
Web
Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. Please inform me as to your actions regarding this urgent matter. XXXX XXXX Same Cell Phone # XXXX XXXX
02/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46845
Web
I had two accounts with XXXX. I closed my ohio account XXXX. This left only my Indiana account XXXX. I received communication from XXXX that I had a credit of {$130.00} on my Ohio account. I called and spoke to a representative and asked for the money to be transferred to the Indiana account. The representative stated the money could be transferred. I then received a prepaid credit card in the amount of {$130.00}. I am going to assume the money could not be transferred to the account in Indiana. The Indiana account is paid current, and the Ohio account was never delinquent or missing a payment. At the later part of XXXX, I received a call from XXXX XXXX XXXX stating they were trying to collect a debt. I asked for who and they said they did not know the company they were collecting for or any information on that company. I asked to speak to a manager and was sent to a voicemail. No return call. Within a week I received another call from them stating they were collecting for XXXX. I told them I had no delinquencies with XXXX and asked for XXXX tel # to contact. They stated they could not help me with that. I then contacted XXXX and spoke to 2 different people. One was a rep and the other was a collection manager. Both stated that they would take care of the situation and not to worry about the account as they seen where their error was. I did not hear anything from XXXX or XXXX again. At this point, I had not received any communication on that particular account stating it was past due. So when they stated that the account was taken care of, I did not think about it till yesterday XX/XX/XXXX. I received a call from a XXXX XXXX that stated he was calling from Credence Financial Recovery regarding the delinquent XXXX account. He said it was delinquent and would be reported to my credit bureau at any time. He continued to ask how I was going to pay my debt. I advised I had not received any communcation in regards to this account and that I do not owe the debt. He again stated how was I going to pay. I told him again that I have never received any communication and I need to see something in writing. He stated the letter will say the exact same information. I told him so be it, but i wanted something in writing. I am still waiting for the letter but they did state it would take 2-3 days to receive. My complaint is that I do not owe this debt. XXXX told me twice it was taken care of and did not send any communication to this account, XXXX stating they did not take care of it, nor they were sending it to collections. My confusion is they communicated an overpayment, sent a pre paid credit card and then sent me to collections with no communication nor correspondence. I received nothing from XXXX, XXXX XXXX nor Credence Financial.
12/24/2019 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
  • IL
  • 60091
Web
We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. CRM a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). Below is a copy of the latest message sent to XXXX via their online portal. XXXX has acknowledged receipt of all my correspondence. I hope you can assist with this matter. Thank you. -- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. XXXX via their many credit collection agencies has posted this error at least 3 times in the past. Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. Now comes, CRM to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. I look forward to your amicable solution within 30 days before taking the necessary action.
11/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 560XX
Web
We received a debt collection letter from Credence debt collectors that said we owed XXXX a final payment when we closed that account. We changed our service from XXXX bundled with XXXX internet service on XX/XX/XXXX. We paid {$170.00} to the combined internet/XXXX charge, of which {$130.00} was our last payment to XXXX. It was paid XX/XX/XXXX, posted XX/XX/XXXX to that combined company account. We repeatedly called both XXXX and XXXX to resolve getting that final payment posted correctly when we kept getting emails that it was past due. The problem is with how XXXX XXXX XXXX, XXXX and XXXX XXXX systems are being integrated. Actions : XX/XX/XXXX : Talked to XXXX XXXX. He said we were paid through XX/XX/XXXX and it takes 1 billing cycle to unbundled the services. If we called XXXX to cancel before that, they would credit back any unused days. XX/XX/XXXX : Talked to XXXX. XXXX. We canceled our service on this day. She said our service with XXXX would end at XXXX XXXX on XX/XX/XXXX. She said the account was being converted to the new XXXX XXXX XXXX/XXXX system so the payment was not yet posted for XXXX. XX/XX/XXXX : Talked to XXXX. XXXX -- XXXX. After receiving a bill from XXXX, we called to see what is happening. He had to find our new account number after he could not find our previous XXXX/XXXX account number. He said he could see our payment of {$130.00} in their system and it would be posted once they converted their system. He confirmed that he could see our cancellation order and that we should not be billed any further. XX/XX/XXXX, XXXX XXXX Talked to XXXX ( employee # XXXX ). XXXX. We did not receive a confirmation that the payment was made to XXXX so called to confirm. XXXX said there was an entire XXXX team to help with conversion, and I needed to talk to the combined billing department. XX/XX/XXXX, XXXX XXXX. XXXX. Talked to XXXX later that same day. He transferred me to combined billing department. I talked to XXXX ( employee # XXXX ) who said the payment transfers are still in progress from the old system to the new system. Once the system updates, she confirmed that the payment was there, and it would be applied. She said to stop calling, and I do not have to worry, she sees all my calls on the account notes. She said to ignore the bills that will continue because she can see the payment is there. This is not a collection account. XXXX/XXXX XXXX XXXX can not get their system corrected. If you listen to the recorded transcript of my conversation with XXXX, she is actually annoyed that I continued to call about this. We have been XXXX customers since XXXX, never once with a late payment in 20 years and did everything we could to make this payment correctly.
05/19/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 780XX
Web
Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. " This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX Check on XX/XX/XXXX, received by XXXX XXXX XXXX on XX/XX/XXXX. A further communication from XXXX stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections
11/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
09/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 49022
Web Older American
Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt. I told them I have no debt that is in collection. They stated it was for XXXX for some equipment that wasn't returned. I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me. They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything. I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record. They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me. I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act. I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year. Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment. The email listed one item (a router with a picture of it and the serial number. I followed up within two or three days and returned the equipment they requested. About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX paperwork. She asked that I send it to her which I did. I also told her I had some other stuff and what should I do with it. She said that I should follow the email instructions and send what they requested, which I had done. About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them. I told them that I already had a new service provider (XXXX). I also told them that I had returned what XXXX asked me to but that I still had some XXXX equipment that they didn't ask for and what should I do with it. On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened. I finally put the stuff in a trash bag and my wife set it out. (There are no XXXX offices or service centers around.)
09/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 752XX
Web
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold Credence Management by XXXX XXXX XXXX. I also advised them that if XXXX XXXX XXXX have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an account summary ( ATTACHED ). An account summary validates an amount due, but not validate or verify that the debt belongs to the consumer. They sent me an account summary of charges to validate a debt. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life. As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Credence Management company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Credence Management to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
03/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98116
Web
XXXX has been attempting to collect a debt from me. Over the course of the past 1.5 years, they have used multiple debt collectors, who have all contacted me and all failed to provide me with documentation of my debt. I have been contacted by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Credence Resource Management , LLC. I have provided written requests to these various debt collectors asking for additional information regarding the debt that XXXX claims that I owe. Credence is the current debt collector that is contacting me ; I have requested additional information from Credence in order to dispute the debt, which Credence has failed to provide ( None of the other debt collectors or XXXX have provided this information either ). Credence has stated that I owe the debt without providing me with appropriate proof in order for me to dispute the claim. The following communications with Credence have occurred : XX/XX/XXXX : I received a letter from Credence in response to a letter I sent to XXXX requesting documentation of my debt ( I assume that my account was moved from XXXX to Credence but am uncertain since I have been contacted by multiple debt collectors regarding the same debt ). Credence provided me with a document for the billing period of XX/XX/XXXX, XXXX XXXX, XXXX. This billing period is six months after I had closed my account with XXXX The document provided does not include any detail on what is being claimed that I owe. For example, the document says there is a previous balance of {$450.00}, which I can not confirm for what. XX/XX/XXXX : I sent a letter to Credence requesting that they send me my complete XXXX billing history from XX/XX/XXXX through XX/XX/XXXX so that I could confirm what XXXX is stating that I owe. These documents are my monthly billing statements that XXXX removed my access to when I closed my account. XX/XX/XXXX : Credence sent me a letter without the requested billing history. The letter stated that they received my dispute and verified that the charges are valid. They also sent me a second letter dated that same day for where I could send a payment. XX/XX/XXXX : I sent a letter to Credence requesting the same information I had asked for in my XX/XX/XXXX letter. XX/XX/XXXX : I received a letter from Credence with the same documentation that they sent in the letter dated XX/XX/XXXX. Again, this documentation does not provide an itemization of the debt that is being claimed that I owe. It states that I have a previous balance of {$450.00}, but I can not verify what that amount is for.
08/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 90046
Web
In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. - XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. - I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them. After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. Thank you. XXXX XXXX
05/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92592
Web
This account CREDENCE RM XXXX balance {$160.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
10/10/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95051
Web
Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. Request you to please look into this issue and reach out to me if any questions. Here are my details. Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : XXXX
04/18/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75206
Web
I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening. Therefore, I tried to call XXXX XXXX XXXX and XXXX to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true. All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX and vice versa. Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.
03/31/2021 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
  • AR
  • 721XX
Web
XXXX XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19406
Web
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CREDENCE RESOURCE MANAGEMENT company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You CREDENCE RESOURCE MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
02/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15221
Web
On XX/XX/XXXX, while applying for a mortgage, my lender made me aware of a major derogatory account on my credit reports from XXXX and XXXX. XXXX XXXX XXXX subsidiary XXXX was attempting to collect a debt of {$750.00} from me through XXXX XXXX XXXX ( XXXX, FL ) collection agency. I had never had a XXXX account. I opened disputes with XXXX and XXXX on XX/XX/XXXX both of which were resolved in my favor. The item was deleted from XXXX report on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I have attached reports for both disputes. ( I should note that the presence of this item on my credit report had a negative impact on the interest rate on the mortgage for which I was approved ). While going through my credit report again on XX/XX/XXXX I became aware of another debt collection claim against me from XXXX which had been filed on XX/XX/XXXX. At this time XXXX hired Credence Resource Management ( XXXX, TX ) as the collection agency. I immediately filed a new dispute. On XX/XX/XXXX I received a Fraud Packet from Credence to my actual home address which they were apparently able to obtain through the dispute I opened with XXXX. The gist of the letter was that I had filed a fraud and identity theft claim and that in order to make this claim I was required to send Credence an affidavit, valid US government issued ID and a police report. Of course, I had not made a claim of identity theft, but mistaken identity. The situation was more like debt tagging but with the creditor rather than the collector undertaking the debt tagging by hiring successive collection agencies to refile the false claim. On XX/XX/XXXX my XXXX score was decreased by XXXX points and my credit rating was downgraded from very good to good. There were no intervening alerts in my credit report to explain the sudden and substantial decrease in my XXXX score. I should note that only XXXX acknowledged Credence Resource Management Cos effort to flag me as a credit risk. I continue to be in touch with XXXX to resolve the current dispute which is little more than a zombie version of the claim I discovered in XXXX. It is very important that this matter be resolved once and for all and that XXXX in particular be held accountable for their actions. It is an undue burden for consumers such as myself who are working hard and paying their bills on time to have to constantly be on guard for false debt claims from large corporations whose incompetence causes real world consequences for consumers.
11/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27215
Web
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
08/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • XXXXX
Web
1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
07/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 079XX
Web
My Experian credit report I keep getting a collections charge that I do not owe with the originator name as : ATT Mobility. The collection agency name is Credence Resource Management, Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, TXXXXX. They opened this collections account on XX/XX/XXXX. Account Number stated as : XXXX But I have been having XXXX as my mobile service provider. I called XXXX XXXX and inquired whether I owe any money to XXXX XXXX with my phone number : XXXX confirmed that there is no such account that starts with XXXX and there is nothing due on my name. Since XXXX XXXX, I started having this fraud collections account activity appearing every year in my credit file reporting collections due as {$270.00} to {$290.00}. This year they reported it is reported as {$290.00}. When I called Credence Resource XXXX on XX/XX/XXXX around XXXX EST. XXXX XXXX XXXX XXXX. There was a person with XXXX accent picked up the phone and when I explained that I don't owe any money to XXXX XXXX, then the agent agreed to mark this as a fraudulently opened account. Unfortunately I have shared my last 4 digits of social and my address for verification and they said they will be removing this fraud collections account from my credit file. But I have not seen this fraud collections account removed. I have reported experian and opened a dispute. XXXX has suggested me to file a complaint with Consumer Financial Protection Bureau. I got to know when I am applying for homeloan and due to this fraud collections entry, now my bank has increased the interest rate and APR and initial delivery fee significantly. I always pay all my utility bills, credit card bills and all car loan EMIs and all the payments promptly. Since there is no record of my account with XXXX XXXX how can I pay and remove this fraud collections entry from my credit file. I have also reported this to XXXX XXXX and working with them to write to all three bureaus requesting them to remove this fraud collections entry from my credit file. Having said that I clearly see my SSN and my home address and home number has been hacked by some fraud, who is misusing it and damaging my credit score. When I searched about Credence resource management review in XXXX, I saw similar comments and bad experience from numerous people. I would like to request you to take action against this fraud people who is using credence resource management to do this fraud activity. Thank you.
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43204
Web
1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
02/04/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72701
Web
I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. I have also contacted the FCC regarding this matter.
01/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46224
Web
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$690.00}. Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing that the account is being reported accurately. Be advised that the deception of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name address and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. As per FTC opinion letter from attorney, XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau and the attorney generals office. Should you continue in your non compliance of federal laws under the fair debt collection, practices act, the fair credit reporting act in the corresponding local state laws. I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 807-8 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 -b ) You will be required to appear in a court being used local to me in order to formally defend yourself. P S. Please be aware that, depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX
08/27/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43232
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account : CREDENCE RESOURCE MANAGEMENT # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 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 OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) 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 the original creditor that gave you the right to collect this debt.
10/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92596
Web
On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed. 2. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 3. Contract with proof of my signature. 4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 5. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Sincerely, XXXXXXXXXXXXXXXXX
07/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33411
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX CREDENCE RESOURCE MANA 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 CREDENCE RESOURCE MANA 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 Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
03/31/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60608
Web
XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.
05/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 503XX
Web
I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ). Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. Credence Resource Management has apologized through my XXXX complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. I have attached a copy of my XXXX complaint for your reference.
10/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93705
Web
I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.
10/14/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48911
Web
My name is XXXX, a federally protected consumer, and I am making this complaint against CREDENCE RESOURCE MANA, for committing identity theft. I have never given CREDENCE RESOURCE MANA, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with CREDENCE RESOURCE MANA and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDENCE RESOURCE MANA, any right to collect on this alleged debt. I have never received any documentation requesting validation from CREDENCE RESOURCE MANA, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDENCE RESOURCE MANA, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANA, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANA, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/08/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85015
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CREDENCE RESOURCE MANA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
03/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33064
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA 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 CREDENCE RESOURCE MANA 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 Telephone 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/24/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 620XX
Web
This company has flagged my credit report 6 times in a week with two different debts from the same company ( XX/XX/XXXX ) they flagged my account twice on XX/XX/XXXX, flagged my account for both debts again XX/XX/XXXX and then flagged it twice again today on XX/XX/XXXX. I emailed them about the multiple flags theyve added to my credit report, and told them I would contact the proper consumer protection bureaus about the situation with the screenshots of the back to back flagging on my credit report, and would also contact a consumer protection attorney to see what my rights were since they were violating my rights under the fair debt collection practices act. They emailed me back shortly after saying they researched the matter couldnt locate any record of it in their system then proceeded in asking for an account number, and a phone number so they could look it up. I refused to give them any information and advised them I had been in contact with an attorney and would be in contact with the proper consumer protection bureau and would leave it with them. The email they sent had a caution on it that said it was sent from an external email and I should proceed with caution and not open any links or attachments in it. I will include screen shots of the flagged and derogatory notes they keep leaving on my credit report. I understand they have a right to report any debt they have for an individual every 30 days but this is beyond that they have flagged my credit multiple times in one week Its unfair and malicious on their part especially after the entire world is trying to pick themselves up and get their lives back together after this recent panademic. Im also curious how can a person have two debts for the same company especially a cellphone. Youre only allowed to open one account at a time and if its not paid your definitely not opening another until the one owed one is paid off. I dont trust this company and refused to give this company any information without a liaison of some sort in the middle. I also feel this problem wont be resolved by trying to deal directly with the company itself either they will continue to use any information and leverage to their benefit rather than fix the issue. I have also uploaded the flagged/derogatory marks thats been placed on credit profile throughXX/XX/XXXX.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web Older American, Servicemember
I was fraudulently sold an XXXX XXXX XXXX phone at a local XXXX on XXXXXXXX XXXX. I only use the inexpensive XXXX XXXX XXXX XXXX mobile service. I wanted the {$190.00} XXXX under this plan. I made many attempts to resolve this with XXXX XXXX XXXX customer service representatives. Finally, on XXXX XX/XX/2022 account, XXXX, associated with XXXX cell number XXXX, was cancelled by an XXXX XXXX XXXX fraud representative. A prepaid mailing card was sent to me st the same time. The tracking label shows XXXX XXXX XXXX received the XXXX on XXXX XX/XX/2022. XXXX XXXX XXXX still illegally accessed my bank account several times after XXXX XXXX taking {$94.00} out twice and {$120.00} one occasion. My banks fraud department recovered all the unauthorized XXXX XXXX XXXX debits to my account. In early XXXX, I received a notice from the CREDENCE RESOURCE MANAGEMENT LLC, a debt collection agency. They are trying to collect {$910.00} from me for an XXXX XXXX XXXX XXXX account ( # XXXX ) that was closed on XXXX XX/XX/2022. I called Credence after receiving their letter to dispute the debt for an account that had been closed and a {$910.00} phone that had already been returned on XXXX XXXX. These facts were ignored, and their spokesman told me that if I did not pay, it would ruin my credit. That I had to pay them the money. A second call was a repeat of the first. I was given 30 days to send them money I did not owe XXXX XXXX XXXX. XXXX XXXX XXXX continued to harass me with calls from " The President of XXXX XXXX XXXX XXXX Office. Voicemail messages sounded like it was a teenager calling. XXXX XXXX XXXX also has deliberately made it difficult for me, still threatening me to pay {$30.00} a month, for 5 years, until they receive complete payment for a phone already in their possession. CREDENCE has sent me two forms with a deadline, or it will ruin my credit. This is complete fraud. Texas Attorney 's Office has sent me a form to report CREDENCE. As well as XXXX XXXX XXXX. I do not need the intimidation that is being used to take money from me due to a fraudulent sale by an XXXX XXXX XXXX employee. Essentially he tried to take {$1300.00} without authorization. I never signed anything, it was purely bait and switch. I need help with CREDENCE. There is no reason for them to try to intimidate me into paying.
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70363
Web Servicemember
Reopen complaint XXXX or submit this as a new joint complaint. On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.
01/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32926
Web
XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX Credence Rm Opened XX/XX/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 CREDENCE 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 Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
10/02/2022 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
  • GA
  • 30014
Web Older American, Servicemember
My wife and I answered a promotion for trading in our phones for newer ones. After an hour and a half we found out that XXXX would not put the value of our phones in the contract so we stated that we would look elsewhere. We did not sign a contract or commit to anything with either XXXX XXXX or XXXX XXXX XXXX. Later that day the XXXX XXXX sales person called and stated that she was not able to stop shipment of XXXX phones ; but she did cancel the account being set up. She ask would I ship the phones back when I received them She had been courteous and professional with us and I said I would.I received a package from either XXXX XXXX or XXXX XXXX XXXX about XXXX or XXXX days later. I did not open the package and took it to the XXXX XXXX store and they would not ship it back. The next day I took the package to a large XXXX XXXX XXXX store. I took an hour in the Que before I was waited on and they told me to take the package to the XXXX store in XXXX XXXX and they would ship it back in the special program set up for this. About a week before I had shipped XXXX pieces of equipment to XXXX XXXX XXXX when they would not set up and get wifi and TV equipment running in my home. About a month or XXXX I received a bill from XXXX XXXX XXXX for {$790.00}. I had not signed a contract with XXXX XXXX or XXXX XXXX XXXX so I did not pay it. About a month later I receive a letter from XXXX XXXX XXXX, XXXX XXXX Mi stating that they would be collecting {$790.00}. I wrote XXXX back stating that I did not sign a contract and had in writing from the XXXX XXXX sales person the deal was not consmate. That I did ship the phones back as requested. They requested shipping receipts and I sent copies. They still billed me. I ask for a contract with my signature and which credit card was charged. They sent me a phone installment plan not a contact and the signature on it was forged.I replied back that what they sent was not a contract and that it was not my signature. They still persist in billing me but they won't bill a credit card so I can fight this. So far my credit score is still XXXX with XXXX and XXXX but XXXX went to XXXX and then to XXXX and something. Can you help me ; I will send copies of everthing I have discussed. please help me.I am XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Phone XXXX
01/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62702
Web
I signed up for XXXX XXXX recently, and discovered a derogatory mark only on my XXXX credit score. It did not appear on XXXX. Credence Resource Management, a company claiming to be a debt collector has an account open for me, claiming I owe {$370.00}, with the original creditor being XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX, and I do not have any affiliation with XXXX XXXX XXXX. My phone service is with XXXX. I called Credence Resource Management and they demanded my personal information ( social security # ) before they would tell me anything about my account. I mistakenly gave it to them and they only told me it was from XXXX XXXX XXXX originally. I told them I am not paying until I see proof from XXXX XXXX XXXX of this debt. I gave them my mailing address, phone number, and they only sent a bill from Credence Resource Management, and a followup bill claiming a {$170.00} discount on the bill, basically bribing me, using pushy threats again, with no verification from XXXX XXXX XXXX. I researched Credence Resource Management and out of 80 reviews on XXXX, it had nearly 100 % 1 star ratings with nearly every comment saying the company is a total scam, even seeing a comment saying XXXX XXXX XXXX does not work with Credence Resource Management and XXXX XXXX XXXX themselves urge anyone who hears from them to report fraud and not to pay them a dime. I went to a local XXXX XXXX XXXX store and they found no evidence of a debt from me. This derogatory mark is significantly affecting my credit score and I need this problem resolved immediately. I went to my local bank and the branch manager agreed thoroughly this appeared to be fraud based on the lack of credibility Credence Resource Management has as a whole. I disputed this claim through XXXX XXXX already but havent heard anything back yet, and I am attacking this on all fronts especially because of everyone elses experience with this company being identical. I have no doubt this is fraud. Now they are calling every day multiple times a day demanding payment. I have told 3 or 4 of the telephone representatives about my knowledge of their 100 % fraudulence and they just continued to demand my personal info. I received my letters from Credence Resource Management on XX/XX/19. No original dates for debt.
07/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78253
Web
To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. I further request to have the collection account promptly removed from my credit report. Thank you. XXXX XXXX
05/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33169
Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from Credence Resource Management on XX/XX/2022 in the amount of {$1600.00}. First and foremost, I have confirmed that the debt collector Credence Resource Management is not licensed in the state of Florida to collect on this debt. Secondly, Credence Resource Management violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Credence Resource Management? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Credence Resource Management has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1600.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Credence Resource Management provides me with competent evidence that I have any legal obligation to pay them. I asking that Credence Resource Management to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6XXXX show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Credence Resource Management immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Credence Resource Management agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Credence Resource Management agrees to remove my personal information from all accounts in its companies database.
04/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33436
Web
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE XXXX 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 CREDENCE RESOURCE XXXX 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 XXXX XXXX XXXX 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 SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11205
Web
CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? furthermore CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
03/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32907
Web
TODAYS DATE:XXXX CREDENCE RESOURCE MANA 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 ). ( XXXX ) 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 CREDENCE RESOURCE MANA 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 XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48505
Web
Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 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 : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
12/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 296XX
Web
ON XX/XX/22 for the amount of {$380.00} CREDENCE RESOURCE MANAGEMENT has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to XXXX without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by CREDENCE RESOURCE MANAGEMENT nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
06/04/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30213
Web
Third-party debt collector, Credence, has repeatedly sent me mail claiming that I owe an alleged debt. I am requesting that you show that I owe this debt that you are claiming I owe by providing me with the original signed contract, the chain of title, your XXXX XXXX XXXX insurance policy number, as well as your audit trail. Please do not send me an itemized statement back without providing the following information below because that is not what is accepted when it comes to validation of debt according to 12 CFR 1006.34. If you are not able to provide me the orginial signed contract, chain of title, your XXXX XXXX XXXX policy number, audit trail, or the following information, I have listed below- I am demanding immediate deletion and XXXX out of this alleged debt. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt.
10/17/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33311
Web
Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.
05/08/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32835
Web
I got many harassing phone calls from this company which I assume is a scam. After doing much research I see that they gained access to XXXX XXXX, XXXX XXXX XXXX customers information who have small amounts owed ( which have not been sent to collections ), along with the customers personal information, addresses and phone numbers- so they call these customers ( like they did to me ) and they say weird things. They wouldn't even tell me who they were they only said " I am calling about a personal business matter ''. First of all.. why wouldn't you just tell me who was calling and what company you work for instead of being so sketchy. He threatened me and told me that If I did not pay him while we were on the phone that my credit would be damaged forever and I would be drained of all my funds. I asked him for detailed information about what I owed and multiples times he kept insisting I pay him and that he will explain in detail after. First of all-no. This made me so angry! I told him I would check into his " company '' and that I did not feel comfortable paying over the phone. So you know what he did next!? He said ok I will give you my website but you HAVE to stay on the phone with me because if you do not pay correctly your funds will be drained and you will ruin your credit. I had had enough at this point. He then tried to convince me that I could pay over the phone with him and it would be " much easier '' and that I didn't even have to give him any credit card information, he just needed my authorization via recording MY VOICE! I was so upset at this point. Not only was I under the impression that this guy already had my card info- he just wanted my verbal " OK '' so that he could take my money. This is just completely unacceptable. He was foreign too. XXXX XXXX has never once sent me a notice saying I owed a balance and so I told this man I wanted to check with XXXX XXXX first. I ended up hanging up on him. I am so sick of this. By the way- If anyone calls you and you finally get them to reveal what " debt collection company '' they are working for and they say it is credencerm ... please call your original TV provider first and verify. These people were extremely rude and threatening.
03/28/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30084
Web
Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.
06/11/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28806
Web
XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. XXXX XXXX customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.
10/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29406
Web
On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX days to prove it was my account, and not fraud. The company never responded. I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing 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. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.
01/12/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30215
Web
This company repeatedly calls me XXXX or more times a XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
11/05/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75227
Web
Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX in XXXX Texas. I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
06/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75089
Web
In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX in XXXX. I then call XXXX on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX recorded our phone call admitting that I paid in full. Please help with this nightmare.
01/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85203
Web Older American
I am in the process of buying a home. My lender pulled credit on XX/XX/2022 at the start of the loan process. My credit score was over XXXX. I was approved for the loan, and 7 day prior to closing the lender does a 2nd credit check to make sure no new debt has been issued or applied for. When they pulled my credit my score had dropped over 100 pts. Come to find out XXXX XXXX XXXX had put a collection on my credit reports in behalf of XXXX XXXX XXXX. After further investigation through conversations with XXXX XXXX XXXX I found out that someone had used my social to open a cell phone account with XXXX XXXX XXXX using a different address, a different email address, and a different phone number. I had no idea this took place and still don't understand how that happened let alone how XXXX XXXX XXXX allowed it because I have had an active account with them for years in good standing. They already had all my information. After speaking with the XXXX XXXX XXXX representative they said I would need to get with Credence Resource Management because they were the ones reporting on my credit report. I contacted them and they verified that I never received any information about the account because they were sending to different address, with a different email, and different phone. I never received any Dunning letter, or was ever notified that this Fraudulent account existed. Explaining that I needed to close on this house this week, they said they would have me a letter within 24 hours. When I didn't receive it and called back they told me it could take up to 48 hours. Then today they are telling me 2 weeks. Here is my problem... I have a {$100000.00} in escrow at risk if I don't close on this loan on time. All my contingency time periods have passed. Because this is a conventional loan my interest rate went from a 6.25 % to 8.125 % This mistake an unwillingness to act is going to be very expensive because I will not be able to refinance out of that rate for 12 months. I can choose to not close and lose my earnest money of {$100000.00} or take the higher rate at a cost of just under {$5000.00} over the 12 months
04/12/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23669
Web
I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
06/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90241
Web
I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.
09/27/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92508
Web
On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.
04/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web Older American
XX/XX/XXXX XXXX and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX confirming my XXXX and XXXX XXXX coverage. No response. From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.
07/15/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63033
Web
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 XXXX XXXX XXXX XXXX XXXX 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
02/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32907
Web
I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.
04/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19141
Web
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/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. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
04/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19144
Web
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/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. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
03/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97266
Web
This is the letter I sent the collection agency, which explains the issue : XXXX XXXX, 2016 Credence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : INVALID COLLECTION CLAIMS FOR XXXX XXXX XXXX To whom it may concern : Last month, I was told I had to pay my overdue XXXX XXXX XXXX bill in order for my service, which was turned off, to be restored. I paid {$250.00}, which XXXX person told me was the amount due, but my service was not restored. When I called back, I was told that that money was used to pay for an old bill and that I still owed more money. Nobody could tell me what the {$250.00} went to, and my service was never restored. I did not owe anything on any " old '' bill. XXXX XXXX XXXX would not have issued me a new phone and phone number if I still owed money on an old bill. But it appears that my {$250.00} went to pay that non-existent old bill. I believe this is so because in XXXX, I got a bill from Credence, offering to settle a {$250.00} bill for {$100.00}. Assuming that this was an overdue notice letter for my then-current bill, I ignored it, as I 'd just paid that bill. I did n't notice whether the amount listed was the same as I 'd just paid. I just assumed any discrepancy was an error. Now, as I look at that XXXX letter, I see it has an old account number, XXXX, for an account that had long been paid in full and on which I owed nothing -- certainly not {$250.00}. Today, I got a new letter ( enclosed ) stating that I owe an additional {$470.00}, again, with no explanation of what this bill is for, but with my current account number, XXXX. It would be impossible for me to owe this amount, as I just paid {$250.00}, which I was led to believe was going toward the payment of my current account. Also, my phone has been turned off for a month, and I did n't owe this much previously. XXXX XXXX XXXX must prove that I owe the money it claims I owe. I dispute both amounts. I would like to resolve this amicably, but to be on the safe side, I 'm forwarding all this information to the Consumer Financial Protection Bureau.
09/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 79936
Web Servicemember
Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
03/29/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92629
Web
in 2019 I had a trip to the ER, via ambulance. The two who picked me up almost dropped me twice on the pavement, clearly inept and incompetent. No offense to the two young boys, but clearly untrained, no EMS degrees or any experience. They when accompanied by the local Fire Dept, never once disclosed that they were private contractors and not being someone who had been in an ambulance for decades was then meet with a XXXX dollar bill for a 7 mile ride. had I known and had ambulance company disclosed they were private contractors I would have taken an XXXX to the hospital since it was not urgent and not acute and I was not dying. in XXXX of 2019 I got a letter from XXXX XXXX XXXX who owns and runs XXXX XXXX a XXXX company ( a XXXX company operating ambulances in the XXXX ) where it is a socialized system ) I got an email I am enclosing where he, in first paragraph says he is going to write off the XXXX bucks not paid by my insurance who were billed XXXX and they were paid this, that is confirmed by both them and the collector I just spoke with. THIS COMPLAINT is. Also against the EMS provider since they have violated collection laws also. Since I never got a single follow up response about him writing off the XXXX dollar owed balance, no letters, no bills, no any sort of communication I was left with the. Assumption as would any consumer that this debt was written off. NOW 30 months later I get a call from an XXXX call center, someone who barely speaks XXXX demanding that I pay them or I am in trouble. Strong innuendo of a threat, predatory and I explained that this status on was resolved XX/XX/2019 and he yet. Still demanded payment. so I ended the call. CREDENCE is yet another predatory company who operates on the ignorance of most consumers and innuendo threats and or that I am in serious trouble that I will be in harms way. clearly untrained and clearly lacking in needing charm school to learn to speak XXXX well enough to communicate as well as learn the laws, which do not exist in XXXX.
01/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30062
Web
On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.
04/14/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85351
Web
My service with XXXX XXXX was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX to collect money I don't owe. It is the same alleged bill owe. On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX
10/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33404
Web
I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. THANK YOU for your time and attention in this matter! Sincerely!
10/30/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90631
Web
On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 614XX
Web Servicemember
XXXX sold its services to XXXX after the buyout. XXXX has absolute crap services. They then sold the local towers to XXXX. Which dropped my service for several months. XXXX then forced me to get their sim card. Which Absolutely did not work. For 2 weeks I had no service at all. While XXXX XXXX overseas staff kept trying to " verify '' my service on my phone. WHEN MY PHONE XXXX DIDN'T WORK AT ALL. Making me go out and buy an entirely new pre-paid phone just to speak to them. They were so ignorantly stupid and couldn't figure out basic english to understand that the SIM CARD, did not work. So they COULD NOT text me a verification code. They would repeat it over and over, even their idiotic managers. They couldn't find out a way to Verify who I was, without the SIM card phone being able to get the text. They couldn't sent me the sprint sim cards, because all the networks were on XXXX VAST largest network ever. Which didn't work in my area. WHY? Because they sold the towers to XXXX. Over the 3 months, I demanded refunds and for them to cover the costs of the items on the account. They put a LOT of credits on the account because the nonsense of having 3 months of no service was absolute XXXX. After they issued the largest credit, I waited 2 weeks. The issues were not resolved when they sent the new sim card. AFTER TELLING THEM FOR 3 months that the T-mobile sims do not work in my area. They were too XXXX to figure it out and sent me MORE XXXX sim cards. I ported my account after paying the last bill and making my account XXXX balance. And went to another company. 4 months of no service was absolute XXXX. After I ported, They reversed the credits and then tried to charge my account and tried to claim I owed them for phones or other devices that weren't paid. Yet when I directly ask them about the credits. They claim they saw them. But see that they were reversed. Then it's not my problem. They reverse the credits. It's their issue. I'm not liable after 4 months of no service.
06/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 078XX
Web Servicemember
On XX/XX/XXXX of 2017, I reacted to an offer made at an XXXX retail store in XXXX NJ. I was trying to replace a XXXX XXXX XXXX to the latest version, XXXX XXXX. The salesman convinced me to take the package deal that included XXXX, and so I agreed and was expecting my new phone to arrive in the mail. On XX/XX/2017 I received the phone and it was not the model that I was supposed to get. I immediately returned the incorrect phone and asked for the proper phone o be sent. I was told that the phone was not part of the package so I cancelled everything but my wife 's XXXX. No phone, no telephone service and I have been subjected to harassment 's ever since this event. My credit score is near perfect and has been for a very long time. After the confirmed cancellation apparently XXXX XXXX XXXX sent my account to a collection agency. I refuted it through one of the credit reporting agencies, XXXX and the matter disappeared for a while until I suspect the debt collection company sold it once again to another company which is where we are now. I am harassed daily by them with phone calls. I recently disputed it one more time through XXXX. Went through the same fiasco with XXXX and their handing of this is the most egregious. After what they said was an investigation and communication with this collection agency they had the gall to report t hat hey have determined that the debt was valid based on, get this, a certification made by the collection agency that the debt was valid. So that's all it took to continue this travesty. A certification without backup. My complaint is against XXXX XXXX XXXX for selling a fraudulent debt that they knew was invalid to a collection agency, who was grossly negligent and did the same and sold to the current collection agency, who has certified that an invalid debt was valid. What duty do these three have to take care that what they are doing is justified. I have suffered much emotionally in seeing my credit score maliciously attacked.
08/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 333XX
Web
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
12/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95125
Web Older American
I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.
08/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 146XX
Web
My name is XXXX XXXX, today is XXXX XXXX and today 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 ).
01/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37601
Web Servicemember
Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.
05/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76116
Web
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDENCE RESOURCE MANAGEMENT , LLC for committing identity theft. I have never given CREDENCE RESOURCE MANAGEMENT , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92626
Web
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 ).
06/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92020
Web
XX/XX/2020. I notified XXXX, XXXX, and XXXX about an account in my name that had been fraudulently obtained. I filed an Identity Theft Affidavit with each Consumer Reporting Agency and the account holder at the time ( Collection Agency XXXX XXXX Account # XXXX ), The original account is XXXX XXXX account # XXXX. The account was removed from the XXXX, XXXX, and XXXX, and reappeared in XX/XX/2020 under Collection Agency Credence Resource Mana ( Account # XXXX ). Credence Resources Mana sent me a letter acknowledging that they Knew the account had been disputed with the original creditor, but Credence Resources willfully attempted to collect on the account by reporting it to XXXX, XXXX, and XXXX. This is a violation of 15 U.S. Code 1692e. False or misleading representations. " ( A ) the character, amount, or legal status of any debt. Furthermore, Credence Resource failed to inform the Consumer Reporting Agencies that the account was being disputed which is a violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. And, 15 U.S. Code 1681s2.Responsibilities of furnishers of information to consumer reporting agencies '' ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''
01/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 773XX
Web
I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.
05/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94513
Web Servicemember
Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. I pulled my credit file, I have Credence listed on my credit file, immediately I contacted Credence to report fraud. When I call in Credence can not verify my address or my name as I write it only my SSN and not my correct address. After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them 1000.00 $ to remove from my credit file. I refused to pay a debt that doesnt belong to me. Credence refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. Please help, unsure what to do at this point. Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. - followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. - spoke with legal which advised me to file report. Thank you.
04/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CT
  • 062XX
Web
This company has started reporting on my XXXX as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. This company opened these accounts more than five days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.
11/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 531XX
Web
Credence Resource Management reported to XXXX that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.
06/12/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.
12/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AZ
  • 852XX
Web Servicemember
XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.
08/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NC
  • 27896
Web
Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. North Carolina Debt Collection Practices Act 75 54. Deceptive representation. ( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. North Carolina Collection Agency Act 58 70 110. Deceptive representation. ( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • XXXXX
Web
I have been in correspondence with XXXX XXXX since XXXX and Credence Resources since XX/XX/XXXX. Once I had received an alert that a negative account was on my credit report. I informed the representative that this account belongs to my mother whom shares the same first and name as myself, XXXX XXXX. I keep requesting in writing for them to provide me with written proof of the service address/equipment received with my address. Of course no one can provide me with this information, because I never had XXXX XXXX in my life. Credence Resources sent an email from me to look at the debt with the passcode ( zip code ) of the address of the debt. Of course I couldn't look it up because the zip code belongs to my mother. They went back to change the passcode to our name. Again I sent a follow-up email immediately informing them that I was not going to open up someone's mail that didn't have my address on it. I have provided proof of my driver 's license with my address for the past 12 years on. My mother and I had both spoken to someone at the XXXX XXXX about the wrong information in their system only to be hung up on. I come home today to check my mailbox to find that Credence Resources have done the exact thing that XXXX XXXX has done which is to take my mother 's information out of the system and to put my information in their system. I have NEVER once received a bill from XXXX XXXX and Credence Resources before until today. I immediately returned the mail because the account will not have my information on the bill. I have had my own cable/internet provider since XXXX and I have sent the records to XXXX XXXX. This debt hasn't been validated by me because this isn't my account, so this company should be immediately removed from my credit reports. This isn't the first time that I had to dispute debts that didn't belong to me but instead belonged to my mother.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19104
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Credence Resource Management ] [ XXXX XXXX XXXX XXXX ] [ XXXX TX, XXXX ] I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX and tell them the debt is the result of identity theft. [ An account was opened in my name allegedly there were two phones put in my name and I was charged {$1500.00} allegedly around XX/XX/XXXX. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity
02/15/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80123
Web
I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.
02/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91910
Web
XX/XX/XXXX I answered a call from caller ID ( XXXX ) XXXX around XXXX. The representative was asking information about myself, and I tried to get information what the call was about. The representative seemed hesitant to give me details about the call but was insistent to get my personal information. Eventually, I was told that I have an unpaid balance of {$560.00} from my XXXX acct that was closed on XXXX. Just to give a brief background about the matter. When I cancelled my old account to transfer to a new one, no balance was addressed to the best of my knowledge. I even went to three XXXX retail stores, had a face-to-face conversation with staffs with regards to this particular transaction ( cancelation of account ). And yet nobody mentioned to me that I have to pay the remaining balance of my equipment. I even confirmed with staffs before leaving the stores, and that I don't have any balance. In the two years that had passed, I did not receive any mails from XXXX because they have the wrong number address in their system. I called XXXX ( XXXX ) XXXX to verify the claim. The amount due was confirmed. I wanted to get more information how it happened. The rep can't access to my account via phone, it would be better to go to the XXXX store according to her. Per XXXX rep nothing can be done with matter since it was way overdue and that I have to pay the amount. It is not my intention not to pay any dues. I don't think it was fair for XXXX to put that burden on my shoulder to pay {$560.00}. I felt I was misinformed as a consumer and that the staff did not do a good customer service in addressing me their terms and conditions even when I was already at their store and would be willing to settle the matter and pay whatever due at that time. I am reaching out hoping that this concern be treated fairly and just. I appreciate your assistance.
02/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77379
Web
On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
03/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92620
Web
I have been responding to many collection companies in XXXX letting them know that the debt is not my responsibility and I have a letter from the creditor, XXXX XXXX XXXX verifying that the account was created fraudulently using my business name. Here is the letter I sent to dispute the debt again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Credence XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XX/XX/XXXX Reference # XXXX To whom it may concern, I have disputed this collection notice many times now and once again, I dispute this notice of debt because it is not mine. The creditor for the debt is XXXX XXXX XXXX and they have sent me verification that the debt was fraudulently opened using the above business name. Please see attached letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX. Pursuant to my rights under the state and federal fair debt collection laws including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. XXXX XXXX XXXX XXXXXXXX XXXX completed their investigation and concluded that the party who opened the account was not the referenced business but used the business name XXXX XXXX XXXX XXXX XXXX XXXX for the account. XXXX XXXX XXXX has cancelled the unauthorized account and credits will be issued for any charges incurred. Since this account has been cancelled by the XXXX XXXX XXXX XXXXXXXX XXXX and their investigation concluded that I do not owe any money. I request that you cease and desist all communication with me as I am not responsible for the debt. I have taken this matter further and submitted this concern to the CFPB. Sincerely, Owner, XXXX XXXX XXXX XXXX XXXX XXXX
08/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10033
Web
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. Thank you.
04/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32539
Web Servicemember
I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. I called the FTC today and they transferred me here to file this complaint. I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
05/25/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • XXXXX
Web
Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.
09/13/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • HI
  • 96818
Web Servicemember
In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 ) that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.
10/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60644
Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Credence Resource Management LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
08/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75115
Web Servicemember
On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.
09/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48227
Web
On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.
01/13/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 019XX
Web
This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress
09/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74105
Web
This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.
06/10/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29678
Web
Credence Resource Management LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX I have not received any goods or services from Credence Resource Management LLC, and I do not know how Credence Resource Management LLC received my private information. Upon checking my credit reports Credence Resource Management LLC flagged my credit on XX/XX/2022 with unverified collection activity. Credence Resource Management LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$100.00} owed to them. I did not authorize Credence Resource Management LLC to use my email address or social security number to damage my credit files. Credence Resource Management LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Credence Resource Management LLC . I am not a party to any agreements that Credence Resource Management LLC may or may not have with XXXX XXXX XXXX I am not responsible for Credence Resource Management LLCs purchase / transfer from XXXX XXXX XXXX I have not agreed to pay/tender anything to Credence Resource Management LLC . Credence Resource Management LLCs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither Credence Resource Management LLC or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist
01/16/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37363
Web
I was XXXX XXXX XXXX XXXX XXXX. XXXX was on direct debit through debit card. XXXX was lost and had to be replaced. Forgot that this bill was being paid through the card so it defaulted. XXXX was only about 10 days late and they suspended my service Without any notice written, email, or phone call. This was XX/XX/2022. We had not been late on a payment in 15 years due to the direct debit and I was incensed that they suspended my service after only 10 days so I called them and canceled my account. This was XX/XX/2022 I should have only been responsible for prorated amount that was past due and not the entire bill since it is paid in advance. Also they charged me for the entire next month even though I had canceled the service weeks earlier. They tried to collect this and I objected obviously. They turned over to Creedence collection agency They also tried to charge me an extra {$40.00} fee for non return of equipment which was returned and verified. I can provide documentation supporting my argument. XXXX XXXX XXXX turned me over to collection ( Creedence ) and I Formally disputed the charges through written document but they still continue to harass by making repeated phone calls which is illegal. They also Put mark on my wife 's credit since the debit card was in her name. I Provided them with evidence supporting my argument but never got a response as I assume they just don't care. I have attached bank statements that show continued withdrawal till XX/XX/2022. I have attached files that show the charges AFTER I canceled service XX/XX/XXXX. There is a bill shown from them that shows ADJUSTMENTS to charges on that same date and a screenshot of XX/XX/XXXX phone call from me to verify. They then proceeded to charge me again for services in XXXX. Thanks.
03/09/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NJ
  • 07003
Web
THERE WAS NO OPTION THAT CLOSELY RELATED TO MY ISSUE. I CALLED CREDENCE TO DISPUTE THIS ITEM AS I HAD DISPUTED IT THRU XXXX XXXX ONCE AND IT WAS REMOVED FROM MY CREDIT AND THEN RE-APPEARED. THIS ITEM WAS FROM A PROMOTION TO SWITCH FROM XXXX TO XXXX. I DID WHAT I WAS SUPPOSED TO AND XXXX NEVER PAID XXXX. I DONT FEEL LIKE I SHOULD HAVE TO THIS IMPACT ME NEGATIVELY WHEN XXXX DID NOT DO WHAT THEY WERE SUPPOSED TO DO. I SPOKE WITH CREDENCE WHO SAID I SUPPOSEDLY RECEIVED A GIFT CARD TO PAY XXXX. I NEVER RECEIVED A GIFT CARD. IF SOMEONE IS WILLING TO INVESTIGATE IM SURE YOU CAN DETERMINE THAT ANY GIFT CARD THAT WAS SUPPOSEDLY SENT TO ME WAS NEVER USED ( THEY SHOULD HAVE THE CARD NUMBER ON FILE ) OR IF THE CARD WAS USED, THEN FURTHER INVESTIGATION WOULD SHOW THAT IT WAS NOT USED BY ME OR ANYONE THAT I KNOW. I OBTAINED PERMISSION FROM THE CREDENCE REP TO RECORD THE CALL. I WAS ASSURED COUNTLESS TIMES OVER THE COURSE OF OUR CALL THAT IF I SETTLE THE DEBT FOR LESS THE ITEM WOULD BE DELETED FROM MY CREDIT AND THAT I WOULD NOT REPORT AS " SETTLED FOR LESS '' OR ANYTHING TO THAT EFFECT. OF COURSE I GET A NOTIFICATION TODAY THAT SAYS THERE IS NEGATIVE ACTIVITY ON MY CREDIT AND THEY HAVE REPORTED IT AS " LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE '' I CALLED THEM TO ALLOW THEM THE OPPORTUNITY TO CORRECT THIS AND THEY REFUSED. AGAIN I HAVE THE INTITIAL CONVERSATION RECORDED AND CAN PROVIDE THAT IF YOU WOULD LIKE. I WANT TO MENTION AGAIN THAT I OBTAINED THE REPRESENTATIVES PERMISSION TO RECORD THE CALL. PLEASE PROCEED WITH AN INVESTIGATION BECAUSE IF I HAD NOT BEEN LIED TO I WOULD HAVE PAID THE BALANCE IN FULL WHICH IM SURE THEY WOULD HAVE WANTED. I CAN NOT AFFORD TO HAVE NEGATIVE ITEMS ON MY CREDIT AND THEY LIED TO OBTAIN A PAYMENT. UNETHICAL SHADY BUSINESS PRACTICES
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27610
Web
XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$5900.00} Credence Resource Management ( opened XXXX ) {$1800.00} XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions. Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XXXX. HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
01/03/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77095
Web
I was told that I had 30 days to return my Cell phone that I purchased from XXXX XXXX XXXX. I work remotely, and shortly after purchasing the phone I realized I do not have XXXX XXXX XXXX service in my home. The signal was so terrible that I had to go in my backyard to have business meetings. I called XXXX XXXX XXXX and told them about the problem. They informed me since it was not an issue that they could fix ; that they would cancel my contract and send me a prepaid label to return the equipment. I did not think there was any problem until several months later when I received a collection bill for the full price of the phone THAT I NO LONGER HAD in my possession. So I feel robbed by this company. Not only did they take a brand new {$1000.00} cell phone back from me, they are also billing me for the equipment. I have contacted them several times and was told that I was over the 14 day return policy by a few days when I returned the equipment. I was not told this when the representative agreed to mail me the return label. If I was going to be held responsible for the bill, I should at least have the phone that I could resale to someone who can use the XXXX XXXX XXXX XXXX to cut my costs. However, this was never a thought as the company agreed to cancel the contract, and they accepted the phone back with the prepaid label provided. I feel this is fraud for them to accept a new phone back, that they get to make a profit on again and charge me as the consumer the {$1000.00} for a phone I don't even have. I have the text chat from my 3rd call to the company, and the return policy that shows online that there is a 30 day cancellation policy. I told the the representative what was posted online, and they just told me the information was incorrect.
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33579
Web
During my annual review of my credit report, I notice per XXXX a collection from Credence Resource Management , LLC on behalf of XXXX XXXX for {$740.00}. I contacted Credence Resource Management at XXXX on XX/XX/XXXX on a recorded line, per my conversation with the initial rep and a person claiming to be a manager, I asked to verify the total amount and when and to where did they send me any communication regarding this account. The came back with an address that is not associated with me, nor could not provide a true history of the account balance. I wanted to resolve this matter as quickly as possible and I asked for a settlement amount as I do not agree with the balance of {$740.00} as I have maintain all invoices during the last year of service and the bill for service was not {$740.00}. They came back with a figure of roughly {$470.00} which is still double the amount. I asked the manager to please see me an invoice or documentation stating the settlement offer in an email which he stated he would do, however, I have not received any other communication. Since, I did not receive proper notification from the debt collector regarding the : 1 ) The amount owed 2 ) Name of Creditor and 3 ) Consumer rights I submitted a despite letter to Credence Resource Management , LLC on XX/XX/XXXX to XXXX. I provided a detail timeline of the invoice and the correct amount I owed this company along with a settlement offer and supporting documentation but the company respond on XX/XX/XXXX ( less than one week ) they have confirmed the debt with the creditor. I feel both Credence Resource Management and XXXX XXXX are in violation of state and federal law regarding debt collection. Upon requested of evidence supporting debt, none have been provided.
09/29/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30125
Web
This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. They have called on : XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94551
Web
I was with the phone company XXXX four years before I decide to make the switch to XXXX. I made sure all my service bills were paid and I completely paid off the device I got from XXXX. After this, XXXX still comes bothering me about a random equipment charge that they say I owe which is {$310.00} in total. I immediately call XXXX and explain to them that I never received this equipment that they claim I owe them. I stated that I have never discussed that I need any such equipment. XXXX claim they would do an investigation I never got back to me. In XX/XX/2023 received a collection account totaling in the amount of XXXX XXXX This was highly alarming due to the fact that I have NO derogatory marks on my credit report. I then checked " XXXX XXXX '' and seen that this collection account was from a company called " XXXX XXXX XXXX XXXX ''. I then proceeded to send them a validation letter asking for any proof that I asked for this equipment, proof that I ever received this equipment, or any proof that I've ever signed any document stating that I wanted this equipment. This company then sent me a response letter saying that the charges are valid without verifying anything. In my validation letter I also explained to them that I would go to the consumer financial protection bureau if they did not properly investigate this!! THEY FAILED to properly investigate the issue and did not remove the negative collection account!! This should be illegal and it is wrong, just because I switched phone carriers does not mean I should be squeezed for every dollar, or falsely accused of owing money for something random. This company has hurt my credit score and this collection account shall immediately be removed due to them falsely accusing me!
08/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60085
Web
Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
11/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 99206
Web Older American, Servicemember
I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved. Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.
09/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30342
Web
I have disputed and BOTH CREDENCE RESOURCE MANAGEMENT IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
04/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 945XX
Web Servicemember
I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX Credit Report. We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX Credit report. They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX. Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
03/23/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99301
Web
Friday XX/XX/XXXX I had paid Credence for my direct tv that is in collections, they are the last bill/mail I could find about it. Saturday XX/XX/XXXX {$290.00} was withdrawn from my husband 's XXXX account for the payment. Yesterday Monday XXXX I found out that Credence is not in holding of my direct tv collections but XXXX XXXX XXXX is. So I called Credence to see if they could send my money back to me so I could get it to the right people. Credence said they have no record of the payment. So I called XXXX at XXXX XXXX, we are trying to refinance our house and part of it is paying the collections off. XXXX suggested to wait til Tuesday XX/XX/XXXX ( today ) to called XXXX XXXX to see if Credence sent the payment to them possibly. So I called Enhanced Recovery as suggested. The lady at XXXX XXXX told me nothing was sent to them but they are the ones holding the collections. She also told me that Credence shouldn't have taken the money out when they are not in holding of this collection account let alone me being able to even access the website for payment. She recommended calling Credence back to find out why they still withdrew the money. After i got off the phone with XXXX XXXX I called Credence to find out the information. The lady at credence said again they have no record of payment or it being with drawn from my husband 's hapo account even though I have a saved pdf of the account showing Credence withdrew the {$290.00} from the account as well as the receipt from making the payment. Credence is withdrawing money not within their holdings and claiming no records of such withdrawing 's or payments being made. I need that money back so I can get to the right company holding my direct tv collections.
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43231
Web
Suddenly received an email of " final notice '' in XXXX XXXXfrom XXXX XXXX XXXX! Wondering what it was for, I called the customer Service and she said it was adjustment from combining my wireless and internet service! I decided to pay the {$37.00} right there and then! A few days ago, I received a correspondence from Credence, a collection company that I owed XXXX XXXX XXXX {$37.00}, AND MUST MAKE ARRANGEMENTS TO PAY! The letter was dated XX/XX/XXXX for the bill I paid on XX/XX/XXXX! I called to let the Collection company know it was an error that I did not owe XXXX any more and that, the amount indicated was paid back on XX/XX/XXXX! The guy at Credence, XXXX XXXX, was of no help! I decided to call XXXX XXXX XXXX. I spoke with XXXX, but he too could not help to locate the payment but indicated that I had XXXX balance as of today on my account. I decided to chat with XXXX in their chat service because it takes a whole day to speak with a live person. XXXX did say it was a " pending amount ''! I said how could a pending amount yet to be paid be sent to Collection! He could not help either! I combined my wireless account and mobile accounts into one withXXXX on XX/XX/XXXX at their billing department! I also spoke with XXXX on XX/XX/XXXX about further issues with the account! XXXX was able to successfully combine the accounts and provided me one account #! XXXX XXXX XXXX is charging me to pay again the account I already paid which was acknowledged in an email sent to me! The collection company indicated it was for XXXX XXXX XXXX XXXX XXXX! I haven't had TV service with XXXX XXXX XXXX since XXXX! Iseem to spend my days off calling XXXX XXXX XXXX for one problem or the other! Thank you. XXXX XXXX XXXX
12/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70769
Web
End of XX/XX/XXXX, I moved to a new house and discontinued services with XXXX. Returned equipment and paid bill. Few months later I found out I had a derogatory hit on my credit report saying I owed {$450.00} for not returning equipment. I was never notified in writing and found out through credit monitoring. I had mail forwarding for a while, but by the time this noticed received it had ended. I then contacted XXXX and disputed with collections agency XXXX. It was removed from my account. Then convergent added to my credit report in XX/XX/XXXX with open date of XXXX. No letter or other notification of collections. I fought with them for a few months since I wasnt notified to dispute and finally was removed from my report. Then XX/XX/XXXX, another hit on my report, but now with credence rm. no letter or notice. Spoke to credence multiple times the past week and they said its company policy to send notice to address on file from XXXX. I asked even if its been 6 years and I discontinued service with XXXX for new address, which currently has XXXX XXXX? Each time they add this collections to my report it always appears to be a new hit and I lose XXXX points on credit. I dont even get a notice its going to happen to try and prevent from being hit. Ive felt with XXXX and 3 different collections agencies and keep getting harrassed. Spoke with supervisor with credence and he didnt listen to anything I was saying and lied about being the only collections agency to request info. Told me they cant help I changed my address and that they couldnt update the incorrect info provided to credit agencies. And said the only way to resolve was to submit payment. Im not paying .1 to them for something I returned.
02/08/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 42101
Web
According to the Fair Credit Section 609 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through the physical verification of the original consumer contraction all and any account you post and credit report. I am demanding validation made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act along with the corresponding local and state laws. Note that I am requesting validation that is competent evidence bearing my signature showing that I have ever had an obligation to pay you. Please also be aware that any negative mark found on my credit report from your company or any company that represent for debt that I do not owe is a violation of the FCRA FDCPA therefore, if you can not validate the debt, you must remove. Pending the outcome of my investigation of any evidence you submit you are instructed to take no action that could be detrimental to my credit report. Failure to respond within 30 days of receipt of this letter may result in legal action against your company or XXXX dollars in damage per violation for : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Sec 807-808 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Sec 623 ) Please be aware that depending upon your response, I may be detailing any potential issue with your company via online public press, including any documentation of any small claim action. I am also sending a copy of my complaint to the Consumer Finance Inspection Bureau. Credence Resource Management XXXX XXXX XXXX XXXX XXXX Debt XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
01/31/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 147XX
Web
I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!
02/18/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30297
Web
I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
11/02/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NH
  • 031XX
Web
I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.
02/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94605
Web
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
02/16/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17109
Web
XXXX 's debt collection agency calls nonstop every single day. They don't leave messages at all. They call my house phone and my cell phone repeatedly. I spoke with this debt collection agency about my bill on XX/XX/18 and told them that I will pay the bill when I get the money. I told them I would pay the bill early XX/XX/XXXX. The calls are as follows : Cell Phone : ( XXXX ) XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called twice House Phone : XX/XX/18 - called once = 3 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called once = 2 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called once = 1 time that day ( can't believe it ) XX/XX/18 - called once = 2 times total that day XX/XX/18 - called once = 1 time that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called three times = 5 times that day ( I spoke with them this day about paying my bill when I got the money. The supervisor on the phone continued to ask me to leave credit card information for payment arrangement after I told him, probably like 6 times that I would call them back to make the payment. After speaking with them, I got another call from them at XXXX XXXX on my cell phone )
03/01/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85206
Web
XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. The charge-off date. The date of the last payment applied to the debt. The date of the transaction that gave rise to the debt. The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. The amount is wrong. Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :
04/10/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • XXXXX
Web
To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. Sincerely, XXXX
07/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77035
Web
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my 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 following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item 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, or the last two years for employment purposes. Additionally, 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, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.
05/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • LA
  • 70122
Web
I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.
05/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22407
Web
Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.
02/12/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97068
Web
I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.
12/08/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80923
Web Servicemember
My daughter, who turned XXXX on XX/XX/XXXX, had a medical issue in XX/XX/XXXX and used a wheelchair service belonging to XXXX XXXX XXXX ( XXXX ), an ambulance company. Several months later, I her father, received a bill for about {$450.00} for that wheelchair use. I contacted their customer service and notified them that I was not responsible for the debt and why. They took my information and said they would investigate. About a month later I received another bill from them, and I contacted them again and explained the situation to a different customer service rep. I DEMANDED that they send me proof of the debt, knowing they would have nothing since I was not even there the night my daughter entered the hospital to sign any sort of paperwork whatsoever. They assured me the issue would be sent to their advanced investigation team. About two months later I began to receive calls from a " Credence Resource Management , LLC '' a debt collection agency on behalf of XXXX. I explained to them on my one and only phone call the situation and that if they wanted to get wrapped up in the suit I now intended to file against XXXX, to keep attempting to collect this debt. They requested that I send an email to them explaining the situation- which I did - and their response was that they would cease attempting to contact me regarding the debt. I know the FCRA requires them to stop calling if requested, but it doesn't necessarily mean they will stop attempting to collect on the debt or foolishly begin to damage my credit. If they do, I will be reporting on them as well and initiating a suit against them for damages.
03/29/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90043
Web
On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX rep adviced that i report Credence Resource Management to their fraud department for which i did. In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.
12/12/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46151
Web
Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX
04/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60172
Web
I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX
07/27/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 94541
Web
Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.
10/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06095
Web Older American
Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. After that, another collection agency bought the balance by the name of ( XXXX ), XXXX XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.
01/22/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • ID
  • 83835
Web
XX/XX/2021 at XXXX XXXX PST XXXX Credence Resource Management in regards to debt from XXXX XXXX XXXX. I contacted this company to discuss the validity of the debt and my options to clear it up. I spoke with a Supervisor named XXXX XXXX. We discussed options of repayment. I have lost my job due to COVID and that is why this is in collections. I asked for a XXXX dollar monthly payment arrangement. XXXX XXXX stated, there was a timeframe to clear this account up and that he would only be able to accept an arrangement of four installments of XXXX within the timeframe I had left. When I inquired on that timeframe he could not provide a dare and stated I needed to pay it as soon as possible to avoid the account from being " taken back. '' Furthermore, that the reason it was so urgent was that any money I put towards the account could be forfeit should it get taken back, and I would owe more money. I had to end the conversation as I didn't have the funds to make a XXXX payment. I did some research and found that the empty threats he was making were illegal. I contact the agency back on XX/XX/2021 at XXXX XXXX. I spoke with XXXX XXXX who put me through to his Supervisor XXXX XXXX. I explained what happened and the illegal tactics used. XXXX, acknowledge the illegal tactics and stated the XXXX XXXX was just trying to settle the account soon. He also explained that they have 180 days to settle it before XXXX XXXX XXXX can reclaim the debt. I requested a validity letter to be sent out and that I wanted the call pulled from XX/XX/2021 and that I will be reporting their company to the FTC.
09/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 381XX
Web
I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.
03/20/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91737
Web
XXXX XXXX Credence : XXXX XXXX : XXXX XXXX in XXXX XXXX, CA provided me an ambulatory ride on XX/XX/XXXX to the emergency room. During that ride, ambulance staff did not request any form of identification or insurance. In hospital care, I provided my insurance information, which included full coverage of medical transportation. XXXX did not contact me during anytime between XX/XX/XXXX - present about the charge before submitting the bill to debt collections. On XX/XX/XXXX, I received a phone call from XXXX about a bill in debt collections for {$3500.00}. On the same day, I called XXXX about the charge and they told me that they sent me a bill to the location they picked me up, which was a student address. I was no longer living at the address at that time. After that call, I called my insurance and they reported that they never received a bill or claim for an ambulance ride either. At no point did XXXX attempt to contact the hospital or me to get this information. On XX/XX/XXXX, I called XXXX with my insurance regarding the bill and inquired if they can submit a claim to the insurance. They said that they can not submit the bill due to " timely filing '', and they will need my insurance to send a " timely filing waiver form '' and can not guarantee that they will bill my insurance. They also told me that this request will also take XXXX days to process with no guaranteed outcomes. To this date, I have not received a single document about any charge. I have requested XXXX and XXXX to send information to my home address on XX/XX/XXXX and XX/XX/XXXX, respectively.
01/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33065
Web
I received an alert from XXXX XXXX XXXX XXXX XXXX that there was a collection debt on my XXXX account {$680.00} on XX/XX/2022. I immediately disputed it with the credit Bureau XXXX on this same date. I also wrote and sent a certified dispute letter to the collection agency where the dispute came from on XX/XX/2022 asking for an accurate validation of the debt this agency stated I owe and their right to collect this debt from me. I received a bill from identifying my name and that this agency states that they are in receipt of verifying the referenced account I inquired about. The account was not verified correctly as requested. Credence Resource Management has enclosed to me a XXXX XXXX dated in for a bill period of XXXX XXXX- XXXX XXXX with an account number and amount of the bill in question with and address that I never has lived at. I currently have an account with XXXX so my personal information must have been used to obtain an account in my name. Credence took advantage of this matter and is now trying to collect this amount from me without a proper validation. I believe I have been a victim of identity theft for a charge I did not authorized in my name and the address on the XXXX XXXX is not on my XXXX credit file. There are no signatures stating I made this account valid for collections with this agency. This request is being made in pursuant to the Fair Credit Billing Act Amendments to the Truth in Lending Act. 15 U. S C 1666-1666b, 12 C.F.R, 226.13. I'm requesting for this to be made fair and remove from my credit report because it is damaging to my credit.
07/10/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 79907
Web
I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!
02/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98034
Web
Back in XXXX, I was down of luck guy in my early XXXX. while I was XXXX XXXX in the XXXX where I came across a business who does spiritual life counselling. Now me being nave guy back then, I was like 'Hmmm this sounds cool maybe ill get this a shot. '' So I called the number on the door and few minutes later a short lady named " XXXX '' came behind the parking lot. " XXXX '' was being too friendly than usual and referring to me as " son. '' I went to her sessions after work and talked about my life thinking she's legit while shelling hundreds and hundreds of dollars for her services thinking I have nothing but the benefit of the doubt with " XXXX ''. Things started getting suspicious slowly but surely. She was relocating from her XXXX office to XXXX and frequently disappearing from XXXX to XXXX XXXX where she has close family very often. In XX/XX/, I've reunited with her where she was pulling that act that she's my mom. I went along with it but things went south fast. She put XXXX XXXX XXXX account under my name thinking she's got the funds to paid for it and it'll help boost my credit score. During XXXX wasn't good year for me. " XXXX '' kept gaslighting and swindling more money for her services during that time thinking my life will improve. I've became increasingly irritated and realizing this isn't adding up. So around XXXX of XXXX, I started to get collection notices for XXXX XXXX XXXX bill, utility bill, etc. which she didn't pay a dime over. Also " XXXX '' got arrested in XXXX, Wa over another identity crime and haven't heard or seen her since XX/XX/2018.
10/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33441
Web
CREDENCE RESOURCE MANAGE This company was added as the debt collector after XXXX XXXX XXXX never made reasonable attempts to notify me of the pending debt. XXXX XXXX XXXX not only allowed the federal government to illegally wiretap me when they had no reason to believe I had ever committed a crime, they allowed them to live listen to my calls, monitor XXXX XXXX activity and allow third party - non-U.S. government contractors with ties to foreign governments- to do the same with impunity. XXXX XXXX XXXX The only entities that benefited from my relationship with them was XXXX XXXX XXXX and the federal government. I was never given the opportunity to settle or ask XXXX XXXX XXXX to investigate these substantiated claims that even XXXX XXXX acknowledged the federal government broke their own policies to illegally view my bank account activity without a warrant or reason to believe a crime was being committed. XXXX XXXX XXXX is allowing the government to use them and their creditor as a weapon and intimidation tactic to dissuade people who dont fit a certain background / race to work for the federal government. This debt was recently added on XX/XX/XXXX - just days after I applied for jobs with the federal government and it is calculated ( provable ) attempt to deter me from pursuit of jobs within the government because of my own political beliefs and XXXX of my skin. They have gone after companies I work for recently as well as associates and should be investigated in the same fashion they investigated me and treated me like a criminal with no probable cause.
03/29/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91754
Web
I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment. This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.
12/16/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80127
Web
I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. They do say, however, that I should trust them and that there is in fact a contract. They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. This is consuming my time trying to deal with this and causing me some distress. It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. In the mean time, they are negatively impacting my credit. I would appreciate your assistance in resolving this issue quickly.
01/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90017
Web
No record of debt paid from previous agency. Lied, told me contacting the business directly to pay would lead me straight back to them. I called to get to the bottom of why a debt I paid a previous collection agency wasn't reported. Because of the age of the debt and a relocation, I don't have much to work with in terms of receipts/validation. I was told I was on a recorded line, I informed them I was also recording the line with my attorney and got transferred to a supervisor. After discussing options, the man I spoke with told me that if I contacted XXXX customer service to address the payment directly that my account was no longer handled by them and that XXXX would lead me back to Credence for payment. I see in their replies they review calls and provide their own account of what happened, but since I have my own recording of the call I'm happy to provide a direct and complete transcript ( with audio ) if need be. Prior to calling Credence today, I called XXXX and they offered to take my payment. On the same call with Credence, he pulled up my XXXX call log. I asked if he could see the notes and see where XXXX offered to take my payment directly, he said yes. I then told him that his indication that XXXX would direct me back to Credence to pay the debt was misleading and a lie. He tried to lie to me about XXXX being able to receive payment to coerce me into paying Credence. As a creditor, using misleading tactics is a complete violation. Combine that with the fact that they're trying to collect a debt I already paid once. This occurred on XX/XX/2020.
01/14/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22193
Web
XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace.
06/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22901
Web
I had service once before with XXXX XXXX and the home i had moved to they was unable to connect my service. so i suspended my service all together. I then noticed months later that they were still taking the money off of my credit card. When i called them back in XXXX or early XXXX to resolve the issue and have them put the money back on my credit card. They refused to do so and still wanted to take money off of my credit card. so i then had to get my bank involved to get my money back from this company. So then they falsely put me in collection and when i filled and complaint against XXXX XXXX with XXXX they stated that XXXX XXXX was correct but put a statement on my credit. I have documents from XXXX XXXX as well as proof that this account was removed from my credit report in XXXX with the XXXX XXXX XXXX XXXX on XXXX XXXX. Then i have noticed on my credit report Credence Resource Manage, Credence Resource Manage XXXX, MI XXXX. File # XXXX was put back on my credit report. They are trying to charge me for the same account that was removed off my credit report. This is not my bill I have not received any type of documentation stating this was my bill and going on my credit report. When i did have my money pulled back from my bank they sent me a bill for {$210.00} that i did not owe them. But then they put {$350.00} on my credit report that was removed in XXXX. My bank also canceled my credit card i had on file with them because they was taking my money illegally. Also when i contacted you about XXXX if you look on my credit report it was remove twice.
07/20/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33707
Web
This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.
11/28/2022 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
  • GA
  • 30318
Web
On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXXXXXX XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with Credence Resource Management LLC. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX I have attached the letter and the XXXX search that shows no world wide web site listing for the web address noted. I am tired of the games these companies are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted immediately!
03/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15701
Web
I had XXXX XXXX installed at my house. The tech that came to install said I would not have a problem even with the trees that were in my front yard. He installed the satellite on my front porch roof right where the tree is. He ran the box in my living room and didnt have enough wire to run it to my TV and just left it hooked up in the middle of my living room floor. From the time it was installed, it kept saying requiring satellite signal please wait a moment. I set up about 5 or 6 tech appointments to get it fixed ( which out of 2 appointments they never showed up and I missed work ) but it still never worked. All this time, I was paying the monthly charge. At this point, I was so frustrated, I told them that I was done missing work for them to come out and do nothing getting it to work right and I told them to come and pick up their equipment. I set up an appointment and they came and picked it up. Now they are trying to get me to pay a {$530.00} early termination fee. I called multiple times to XXXX XXXX and finally someone in billing said it was taken off my account. Then I see on my credit report that Credence Resource Management was sending me a bill for that amount and called them. I explained to them the issues I had with XXXX XXXX and they said that I still owed the money. At this point I was fed up. I called XXXX XXXX multiple times again and they notated my account each time I called and so did Credence Resource Managment. Neither one of those companies will see a dime from me. I paid for service for 4-5 months with no service.
06/11/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • WA
  • 983XX
Web
I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.
03/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91355
Web
I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.
05/21/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60175
Web Older American
I have received numerous calls from Credence Resource Management in their attempt to locate someone other than myself and an individual/ individuals that I have no knowledge of. This caller does not leave a message when i monitor my calls. When I do answer and ask who is calling they hang up or speak unclearly .When I ask them to repeat who they wish to speak to they hang up. These calls are repeated multiple times a day. The calls number between 4 and 5 times per day. I researched the company by using the phone number they called me from and that is how I found out the name of the company. At no time did any individual from this company identify themselves, the company name or the nature of the call. This is harassment. I owe no one any money. I pay my bills on time. I contacted the company on XX/XX/2022 and spoke to XXXX XXXX and she was very slow to connect me with a supervisor. While on the line she took note of my phone number. I was connected with a supervisor named XXXX XXXX who said he would remove my phone number from the list. I informed him I have had use of my phone number for 25 years and whom ever they are looking for I have no knowledge of. As of today. XX/XX/XXXX I have not received another phone call. This company never identified themselves in all the phone calls they made to my phone number. I had to do research to find out who all the multitude of phone numbers belong to. I never want to be called repeatedly, hung up on and have a caller never once identify themselves, the company or the nature of the call.
04/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80023
Web
We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11787
Web
In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. Account : XXXX XXXX # XXXX, Account : credence resource mana # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX
10/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I checked my XXXX credit report and i see that the company CREDENCE RESOURCE MANA, is reporting a debt collection for the amount of {$2000.00}, however I dont remember having entered any type of contract with CREDENCE RESOURCE MANA or any agent thereof. With that i am requesting, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.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 ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. Pending the outcome of my investigation of any evidence that you submit, you are instructed to cease and desist any and every further action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company via my local venue and you would have to travel and defend yourself. I would be seeking actual damages or minimum {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the FDCPA including but not at all limited to section 807-8 and each violation of the FCRA including but not limiting section 623-b, whichever is greater.
05/16/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30152
Web
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. On XX/XX/XXXX, XXXX attempted to collect the paid debt again. I attached all information to support everything represented in my complaint. I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
09/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78154
Web Older American, Servicemember
I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.
02/23/2021 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
  • MD
  • 21206
Web
Dear XXXX I am writing to dispute the following information that appears on my XXXX consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
05/02/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • ID
  • 83646
Web
XXXX has sold a debt collection account for an alleged {$120.00} outstanding balance owing from a XX/XX/XXXX cancellation of a XXXX account for my son, but for whom I was the accountholder of record. XXXX, their successors and assigns, absolutely refuse to verify that this is a legitimate debt. XXXX refused to talk to me when I inquired about the debt, since it had been sold to XXXX XXXX XXXX of XXXX, AL. XXXX reported this alleged outstanding debt to the 3 credit reporting agencies, significantly damaging my credit score. I attempted to contact XXXX regarding this debt, they also refused to discuss it, since they had re-sold it to the XXXX XXXX XXXX XXXX XXXX XXXX, also of XXXX, AL. I advised them that I wanted confirmation of the debt from XXXX, which they failed to provide before reselling this alleged debt yet again to Credence Resource Management of XXXX, TX, who also reported it a 2nd time to the 3 credit reporting agencies in XX/XX/XXXX, dropping my credit score yet again. I notified Credence that I was challenging the debt, and provided credit card statements showing payments to XXXX in XX/XX/XXXX and XX/XX/XXXX that should have cleared the outstanding balance. They advised they would contact XXXX for verification of the debt, which to date has not been received. In my opinion, XXXX is in wilful violation of the Fair Debt Collection Practices Act. They are engaged in disreputable credit collection practices in violation of the Act and willfully refuse to provide confirmation of the debt or address it.
02/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60409
Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.
01/13/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95670
Web
XXXX XXXX Opened an XXXX XX/XX/XXXX XXXX cell phone acct to add to my internet service with XXXX XXXX The promotion offered was 3 free phones, 4th a promotional price of {$700.00} and 5th in exchange for my Iphone ( from previous service provider ) and rewards card in the amount of {$600.00} to go towards the {$700.00} promotional cell. My monthly cell phone service fee was to be {$120.00} a month for all cell service. From XXXX to XX/XX/2021 ( when i closed acct due to no correction of acct ), I continuously called about a bill i had received every month to pay {$500.00}. For 8 months i had received a bill for {$500.00} in which no one could help fix the error. I called the XXXX Sales Consultant that opened my acct, XXXX XXXX, and he said he would fix it. I never got the acct corrected after paying $ XXXX every month ( i was told they would disconnect my service if i didn't pay it ). I closed the acct and then i received a bill for {$3200.00}. This quickly went into collection ruining my good credit. I spoke to credit co and disputed this. XXXX never responded and i advised the credit co XXXX was in violation of the collection practices act and it was well over the 30 days and was in fact more than 90 days. The credit Co then responded by saying they would be ceasing all communication and i would need to contact XXXX directly. I would like this resolved and taken off my credit report. I have all receipts, names and invoices i submitted in the dispute. Please help as this has affected my perfect credit.
09/15/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33426
Web
Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.
05/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.
12/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60089
Web
XX/XX/2022 I ordered XXXX XXXX XXXX internet installation service at my service address. XX/XX/202XXXX XXXX XXXX XXXX promised installation but their installation crew never showed up XX/XX/20XXXX XXXX XXXX XXXX customer service informed their crew will be available XX/XX/2022. I immediately canceled service - service cancellation confirmation number XXXX was generated by XXXX XXXX XXXX for an account that gets activated XXXX XXXX. They added notes to this confirmation number since the account was being cancelled without getting activated ( please note : XX/XX/XXXX to XX/XX/XXXX the account was not active ) Account cancellation related survey requested by XXXX XXXX XXXX on XX/XX/2022. Equipment was returned unused. Since no crew showed up to instal