Credit Associates of Maui, LTD CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/28/2016	No	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	HI 96706	Web
1. Credit Associates of Maui , Ltd. ( CAML ) failed to provide correct balance due and proof of calculations. Disputing the balance on my account. Requested proof of calculations many times via phone calls and letters from XXXX to include certified mail and return receipt dated XXXX/XXXX/XXXX. I received no response ( phone calls or letters ) from CAML. They failed to provide verification of amount due. Violation of XXXX XXXX XXXX ( XXXX ) ( A ) and Hawaii FDCPA XXXX. 2. CAML mailed personal information ( dated XXXX/XXXX/XXXX ) to wrong employer. ( Improper handling ). CAML continued to mail personal information to wrong employer ( dated XXXX/XXXX/XXXX ) after my employer notified CAML in writing not to send any personal related information to their office. ( This XXXX mail was forwarded to my employer from the wrong employer ). ( For clarification purposes, I work for the XXXX and XXXX collection notices were sent to the wrong XXXX ). Violation of XXXX XXXX XXXX ( a ) ( XXXX ). 3. CAML involved in deceptive practices/ inefficient internal procedures. CAML did not make fair attempts to contact me that my automatic payments from my checking account would be terminated ( the initial agreement states that " ... this authorization shall remain in effect until the balance is paid in full or company receives written notification from m of any intent to terminate this payment plan ... '' ). My checking account is still open and has always had funds for the automatic payments to continue. There was no reason for CAML to stop these automatic payments from my checking account other than increasing payments without my consent and/or mutual agreement.
04/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	HI 96816	Web	Older American
Debt collector, Credit Associates of Maui, representative XXXX, violated the fair debt collection practices act ( FDCPA ) on XX/XX/2019 at XXXX and again at XXXX ( HST ) by calling from a restricted number. I called their office and confirmed on their recorded line, with the receptionist, and with XXXX, that they had called me from a restricted number in violation of the FDCPA. It was indicated to me that the employee/caller had no control over the companys phone system, so this appears to be a company directive, not an individual choice, to call from a restricted number. During the call I indicated that an item had been returned and the alleged creditor had discharged any amount owed and had indicated so to me. XXXX confirmed with XXXX XXXX that the item was returned and credited but said there was a late fee due of {$36.00}. I called XXXX XXXX, who again confirmed that the item had been returned and that their was a fee imposed by XXXX XXXX XXXX XXXX, not XXXX XXXX, a fee charged despite the debt collector indicating on a recorded line that they did not own the debt. Therefore XXXX XXXX XXXX XXXX has no standing to impose a late fee of their own on a settled debt that they didnt own. Such a fee would be a violation of 18 USC, specifically known as collection of extensions of credit by extortionate means. This intention is clear as Credit Associates of Maui/Hawaii blocks their number when calling -possibly because they may be involved in illegal activity. The CFPB has a responsibility to enforce consumer law as mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act.
01/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI XXXXX	Web
Contacted Credit Associates of XXXX in order to make a lump sum payment on the debt that I had with them. Spoke to a woman named XXXX who said that I could settle two of the accounts I had with them for amounts that were slightly less than what was owed. I asked XXXX if this would clear my obligation with them and was told that it would I also asked if I could receive a receipt regarding the transaction via mail or email which I provided to her the time of the conversation. I asked when I would see the removal of this from my credit to which I was told it would be posted on XX/XX/XXXX. On XX/XX/XXXX I left a message for XXXX requesting a receipt as I had still not received it but received no reply. I called again on XX/XX/XXXX and got connected to her to which I was told she would have an " XXXX '' send the receipt to my email which I never received. After checking my credit on XX/XX/XXXX I discovered that the supposedly discounted amounts that XXXX had given me on XX/XX/XXXX were reported to the credit bureau as derogatory and a collection/charge off debt owed which was not something that was disclosed by XXXX when the debt was collected. I called to speak to the supervisor and have yet to receive a call back. I have been unable to get any correspondence from them to date and was falsely led to believe that the amount I paid would settle the debt that I had with them which is a direct violation of the FDCPA which states that debt collectors can not use any false, deceptive, or misleading representation to collect the debt.
03/06/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 967XX	Web
On XX/XX/2022 I received a phone call from XXXX XXXX at Credit Associates of Hawaii, a company I was unfamiliar with. I called back and was told I owed a debt that I did not know I owed. XXXX said she would forward me the information. Our conversation did not contain 1006.34 ( c ) ( 2 ) information or even all of 1006.34 ( c ) ( 1 ) information. A few days later, I received a letter postmarked XX/XX/2022 that did not follow 1006.34 ( c ) ( 3 ). Then I received a letter postmarked XX/XX/2022, but dated XX/XX/2022 enclosing an accounting of a debt with which I was not completely familiar. I assumed the company was not legitimate. On XX/XX/2022, I received notice that the company had sent derogatory marks to the credit bureaus despite not having sent confirming notice. I called on XX/XX/2022 to speak with XXXX about coming to a resolution/payment agreement and also about removing the mark as they had not followed procedure. She told me she could not do that. When I asked to speak with someone who could, she said she would have someone contact me, but I was not able to get a name or timeframe for that call. I would still like to negotiate a payment plan and have the mark removed.
04/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 96782	Web	Servicemember
I was contacted mid last year from a random number that would not advise what company they were calling from until I verified myself. I did not because based off of the fair collections act they have to introduce themselves. I then disconnected the line. I later in the year reviewed my credit report and found a collection from XXXX XXXX. I called them and asked what it was about and why they had not contacted me, the account agent then said he did. I then recognized his voice as the person who did not want to say what company he was representing. He then advised that he did not have to say the company until I verified myself, which I knew was not the case. I later advised his supervisor or my issues, who said they would review and no one got back to me. He advised that they are supposed to say the name. I paid the debt because he advised he would handle the issues. All calls are recorded is what they said and they would review. I called today and requested the same supervisor and was transferred to the agent who again stated he only told me his name and not the company. I left a voicemail for the supervisor.
08/17/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 96822	Web
Credit associates of Hawaii sent me a collection of {$380.00} for Hawaii XXXX XXXX. They sent a collection letter naming myself and my emergency contact from my storage application. I called Credit associates of Hawaii demanding that my emergency contact be removed from correspondence, and that they furnish proof of the debt, as I had already received a letter from the storage facility claiming that my ( empty ) storage units were being auctioned off. I have never received any proof of the debt, invoices, or any such information from Credit associates of Hawaii. The only thing that I received from them was an additional collection letter for {$960.00}. There are now 2 collections on my credit report, and I have yet to receive proof of debt or any sort of invoice indicating the amounts that they claim I owe.
09/27/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 96822	Web	Servicemember
Dear Sir/ Madam I and my partner rented a small shop from a management company called, XXXX XXXX XXXX a realty company in XXXX XXXX we had hardship in running the business and made up to a decision to close the company after 1 year. we settled down with Mr.XXXX XXXX in XX/XX/2019, he verbally told us not to worry about the rent, and now we see they have given it to a collection agency after 2 years, called Credit Associated of Hawaii, located XXXX XXXX XXXX XXXX HI XXXX. We have been getting calls from them and they have reported to the credit bureau, in this pandemic we are trying to keep up life normal, we are ready to finalize with them as well and offered them {$4000.00}, they are asking $ XXXXWe are requesting your agency to help on this matter. Sincerely XXXX XXXX / XXXX XXXX XXXX XXXX XXXX
09/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85388	Web
XXXX collections agency shows account open with XXXX balance. This account was discharged in a bankruptcy. They have harassed me for years and continue to do so. They finally acknowledge my lawyer with the bankruptcy. Now they are keeping account on my record open and have not removed it from all credit reporting agencies, like the other reputable companies. I have filed multiple disputes with XXXX to no avail. They seem to let them do what ever they want. Please help me I am XXXX and they will not leave my credit alone. They have remover it, added back at lower amounts then they add more money, constantly change my credit report for the worse.
04/10/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 96706	Web	Servicemember
Account is showing a {$500.00} charge. I did not have an account with XXXX XXXX in since XX/XX/2019 the month I switched to XXXX. They are trying to charge me for cable that I did not use. I switched back to spectrum in XXXX. I called telecom prior to close my account on the day of my scheduled install. I originally thought the charge was for equipment that I turned in XX/XX/2019 and XXXX XXXX informed me that they charged me well beyond what I would of been using them.
10/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 482XX	Web
The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.
03/14/2022	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	HI 96753	Web

01/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96786	Web

12/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85138	Web

11/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85138	Web

10/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85138	Web

06/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85138	Web

01/10/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	HI 96707	Phone	Older American

10/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	HI 96768	Web

05/13/2015	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	HI 96745	Fax	Servicemember

02/19/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91761	Web

02/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	HI 96734	Web