Credit Card Acquisitions Group CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NE 68516	Web	Servicemember
On XX/XX/XXXX I was left a voicemail by an unknown/private number. The caller identified himself as XXXX XXXX, and said that he was contacting me in regards to an incident that took place while I was in the Military ( XXXX ) and that it was of great importance that I contacted him immediately to avoid further noncompliance. In the two hours it took me to realize I had missed a call, my brother, mother, father, and ex-wife of nearly ten years ago were all also contacted by XXXX XXXX, interrogated of my whereabouts, and informed to pass along his information regarding a legal matter dating back to an incident that took place while he was in the XXXX. After a frenzy of panic from my family, I attempted to return a call to XXXX XXXX at XXXX. A man answered the phone for XXXX XXXX XXXX - I identified myself, and asked for XXXX XXXX. His response was let me place you on hold and get you over to him. After a brief hold, the same man returned to the phone and said oh, I mean, this is XXXX XXXX. After a very confusing and brief conversation, I was told that the paralegal will be contacting you as soon as he can and he can give you much more information about your file. Days went by with no contact. On XX/XX/XXXX I was contacted via telephone by an unknown/private number. The man on the other end identified himself as representing XXXX XXXX XXXX XXXX XXXX. It was again, XXXX XXXX. He said the paralegal was available to speak with me now, and he placed me on hold. Once the paralegal ( unfortunately I did not catch his name ) joined the call, I was immediately pressed and intimidated while he listed personal information about my life, my bank accounts, my employers. He told me that originally I had taken out a line of credit from XXXX XXXX in Louisiana, in XXXX. That line of credit went into default when I separated early from the XXXX and the allotments stopped paying the bill on that line of credit. It was then pushed into collections, and a judgement was granted in XXXX, Virginia in XXXX. ( I have never lived in Virginia, nor have I been to the state of Virginia. At the time this judgement was granted in Virginia, I was living in XXXX, Arizona. ) I was never made aware of this hearing or any judgement made against me, although the paralegal from XXXX XXXX XXXX insists I was served prior to the hearing. For the original {$2300.00} line of credit, XXXX XXXX XXXX was given a 20 year judgement with such a high interest rate that apparently I am now in default of over {$7000.00} to this company. Foster And Monroe, LLC also added a new collection line to my XXXX credit report that is listed as being Opened XX/XX/XXXX when I have not done any business with XXXX XXXX XXXX since XXXX. I have previously disputed collection lines on my credit report from XXXX XXXX XXXX and had them removed or closed, and now they are returning to my credit report under the guise of a different XXXX operating as their XXXX XXXX XXXX. After speaking with them today they are now threatening to levy the only bank account that has my name attached to it, which is a co-owned and operated business account. They have no legal right to harass myself or my extended family, and they have no right to collect on a stale that has already surpassed its statue of limitations for collection. On top of all this, with just one simple XXXX search of XXXX XXXX XXXX XXXX XXXX you will find numerous articles that have been published citing their lawsuit with the XXXX in which they were found to be practicing unfair, illegal, and questionable collection practices. Part of these unfair and questionable practices were placing judgements against out of state customers who have never done business in the state of Virginia and did not originally take the line of credit out in the state of Virginia. Not only that but they have also been barred from using Virginia courts to sue out of state customers entirely. But, on XX/XX/XXXX I was made aware that I was sued in Virginia in XXXX by XXXX XXXX XXXX XXXX and a judgement was placed against me that will date for 20 years with an interest rate of over 20 %.
05/31/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 778XX	Web
I took a loan out in XX/XX/XXXX from XXXX XXXX XXXX for {$700.00}. I was making payments monthly, however, I had to close my account due to issues. This was a merchant I had missed to contact. About a month or two ago, my brother starts receiving harassing phone calls, along with my parents from a " XXXX XXXX XXXX '' and other people named XXXX XXXX . They stated that they were coming after me legally for multiple bounced checks across state lines and that they were going to garnish my wages. Now mind you, this is being told to 3rd parties. By law all they can ask is if they have contact information for me. Now fast forward to XX/XX/XXXX. My brother calls and asks who is XXXX XXXX XXXX. It's been almost 3 years and I could not remember. He said a XXXX XXXX XXXX called threating to garnish my wages, file in XXXX County due to the fact that I bounced MULTIPLE checks across state lines and this isn't like a {$5.00} credit card. SO I called these people, and he put me on hold and a gentleman named XXXX XXXX got on the phone. THey said they worked for XXXX XXXX, XXXX. He stated I owed {$3100.00} and I could do an immediate settlement plea of {$1600.00}. I do not have this type of money laying around and advised I could not, but that I am due to close on the sale of my home on XX/XX/XXXX and I could pay it after. I was then informed that they could file in XXXX County and stop the close of that sale. They also stated that I would have to go before a Tribal Court and hire a Tribal attorney which could cost well over {$4000.00}. Now, I am a mom of a XXXX year old and a XXXX XXXX year old and I work very hard. I went into panic mode because I try and do what is best for my family. I paid them {$310.00} via bank card and set up the remaining {$2700.00} for XX/XX/XXXX. Well, once I calmed down and did a reverse on the number I just called, it comes up as Foster and Monroe, LLC out of New York. So, first thing on XX/XX/XXXX ( XXXX CST ), I called XXXX XXXX XXXX. I spoke to a manager by the name of XXXX and stated she did not know who these people were. She stated that they sold the debt to XXXX XXXX XXXX in XX/XX/XXXXand was kind enough to give me the number. She also stated that with penalties and fees the total is only {$1000.00} and not what Foster and Monroe stated and they do not come after me legally. So I called XXXX XXXX and they stated the same thing. They had no idea who these people were. They sold it in XX/XX/XXXX to XXXX XXXX XXXX XXXX. They gave me a number, XXXX. I have tried to contact them and it's a vague answering machine. So I called the FTC, ref # XXXX, and was instructed to call my State Attorney General, XXXX XXXX, as well. I did as I was instructed and they sent me immediately to my bank to stop all transactions. Unfortunately, the charge went through. The bank now has it in their Fraud Division in XXXX, Texas. I called Foster and Monroe back on the night of XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ) and informed him of all this. I could not get a straight answer if they were a debt collection company, even though I already knew the answer. I advised that my family is now looking into an attorney for 3rd party disclosure. Their tactics are unethical and highly illegal. I contacted the district attorney of XXXX County Texas as well. The man started to crawfish and I advised somebody better call me on XX/XX/XXXX before XXXX CST. They also stated they were hired by XXXX XXXX in Missouri, and that is false from the information that I have gathered.
10/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30032	Web
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped over 40 points. I logged on and found that Foster And Monroe LLC had illegally posted a collection account and the original creditor was XXXX XXXX, XXXX. I have never heard of nor had an account with either of these two companies. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$9200.00} I have no know knowledge of these two companies nor this debt. I have never had an account not any dealings with either of them. 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 understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 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 in BLUE ink 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 to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requesting 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 ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. When I got the email on XX/XX/XXXX, I proceeded to contact them via phone number that was listed on the account ( XXXX ). From the first time I called up to now, no one is picking up the phone and the phone line says to leave a message. There is no other contact information, but by phone. However, there is no voicemail prompt to leave a message. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. FOSTER AND MONROE, LLC. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX
01/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32301	Web
This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. Thank you. Regards, XXXX XXXX, XXXX.
10/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web	Servicemember
Foster and Monroe placed a collection account on my report in XXXX stating that I owed XXXX XXXX XXXX over {$3000.00} well I contacted XXXX and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with XXXX XXXX XXXX and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX furniture who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX back in XXXX1 in Texas which she saw. I contacted Foster and Monroe and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX XXXX removed XXXX XXXX XXXX because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.
01/20/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 90044	Web
On XX/XX/2021 I was called by a female associate who worked for a company named Foster And Monroe. She started off the call by saying she was looking for XXXX XXXX and I asked if I could confirm my social. I asked her was she attempting to obtain " location information '' as outlined in 15 USC 1692b. She stated yes and that she needed to read a statement that stating that this was an attempt to collect a debt and any information obtained can be used for that. I asked her was she stating or implying that I owed a debt. She stated, " Yes ''. This is where one of a few federal violations began. Pursuant to 15 USC 1692b states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; Violation # 1. I told her that I didn't owe any allege debt nor did I have any obligation to pay an alleged debt. I asked her how did she get my phone number and location information. She stated her client provided the information to them. Again, I never gave written consent for Foster and Monroe to contact me. Violation # 2 Pursuant to 15 U.S. Code 1692c I let the caller know that she was calling me on my cell phone as I was going into a meeting. The time of the call on XXXX XXXX phone number was very inconvenient. Violation # 3 Pursuant to 15 U.S. Code 1692c ( 1 ) It was at this time that informed her that she was breaking and continuing to break multiple federal laws. I once again restated that I have no obligation to pay an allege debt. Additionally, I told her I would invoke my right to refuse to pay this allege debt. She told me that she would write it down that I was refusing to pay and that I should stop getting loans that I can't pay for. This was an insult to me and deemed obscene and abusive which is another violation pursuant to 15 U.S. Code 1692d. There were a minimum of 4 known violations on this call. I am invoking my right to receive my specified remedy and compensation for each violation of {$1000.00} per violation pursuant to 15 USC 1692K. Thank You.
08/18/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NM 88220	Web
This loan was taken out for a minimal amount. I believe the original loan was {$300.00}. They pulled money out of my checking account for a lengthy time. But they continued pulling money out. I stopped payment. In XX/XX/XXXX a company contacted me about the XXXX XXXX account. I paid settled amount. Last year I received a call from XXXX at Foster and Monroe for XXXX XXXX. Since the previous settled amount was 6 years prior, I was unable to produce receipts. Foster and Monroe stated I owed {$1700.00}. Since XXXX of last year I have made payday payments with the exception of the last few months. I live on a fixed ( XXXX ) income. I tried to change arrangements to pay more manageable bimonthly payments. However Foster and Monroe refused to allow me to make smaller payments. With the exception of 3 payments, I have made the scheduled payments. This month due to medical issues as well as unexpected financial situation I was unable to make my payment last week. Now they call daily harassing me. This morning the calls began at XXXX XXXX I am XXXX XXXX and added stressors do affect my medical issues. This company is very aggressive and makes threats. I tried calling them back and left a message. I told them I could not make a payment until the XXXX and that it is not okay to call me at XXXX XXXX This payday loan has been a nightmare. Currently there are things I need that I am unable to afford because of these payments. The interest on these loans should be illegal. Months ago I was sent an email stating that my name was listed in a lawsuit against XXXX XXXX and that due to fact I live in NM I would not be reimbursed but the amount I still owe would be wiped out. I ask Foster and Monroe about this and they said the suit did not apply to me. I am so tired and frustrated. The payments cause me to have to make a choice of making payments or getting needed medical care. We live in a remote part of NM. I am needing to travel and see XXXX as well as go to XXXX. But I can not afford to do to these payments.
03/21/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85208	Web
Debt collector FOSTER AND MONROE LLC Date opened XX/XX/2023 Original balance {$1300.00} Requested validation of the debt that Foster and Monroe are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : Documentation that proves the debt is valid and that you have the legal right to collect it. A detailed explanation of any interest or fees added to the debt. I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. The original creditor 's name and the amount owed. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : A clear explanation of the nature and amount of each interest and fee charge added to the debt. The basis for each charge, including any legal or contractual basis. Documentation or information supporting the validity of each charge A detailed description of the legal basis for your actions in collecting the debt, including any applicable laws, regulations, or contracts. Information about the statute of limitations for collecting the debt in my jurisdiction. Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus. Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. Send copies of my ID and social security Letter sent XX/XX/2023
08/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76063	Web	Servicemember
On XX/XX/XXXX I received an email from XXXX for an agreement to settle a debt of {$1000.00}. Previously I had received an email from XXXX that the balance was {$970.00}. Beginning of this year I was in the market to get a new vehicle. Unfortunately I was denied due and told that I had something negatively affecting my credit history so I pulled my report to see the issue. I then found out that this account with XXXX was on my credit report. I did a dispute and never received the findings of the investigation it just came back on my credit. I called XXXX and was given the information to Foster & Moore prior to that conversation, I the consumer was not informed or contacted in any manner to inform me that my information had been sold to a third party. At the time I did not have much understanding of the process I just wanted to be able to purchase a new vehicle so I called to discuss the account. Again, because of my car situation I just wanted the account to be removed from my credit report so I called and asked if I were to pay it will the delete it. I received an email confirmation letter stating if I made a payment {$970.00} by XX/XX/XXXX that they would inform XXXX that my obligation for the debt had been paid in full. The amounts claimed to be a debt do not match. There was never any validation or investigation done. My complaint with Foster & Moore is the fact that I never signed a contract with them. I was also never provided any documentation from XXXX when I disputed this on the findings from the investigation. I dispute this debt a contract was never established my consumer rights were violated when my information was sold without my permission. If you disagree please provide proof in writing.
02/13/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 97015	Web	Servicemember
On XX/XX/2019 this company did several things wrong, first they called me while I was at work and they left a voicemail. Then they called my sister and left a voicemail. I then reached out to the company and gathered some information and informed them to not contact me again. They then turned around and called my place of employment ( I work customer support, so they called the general support phone number ). The caller was told all 4 times he called in that this is a support line for customers of our business and that he is not to call into this number. They called a total of 4 times into my companies support line on XX/XX/2019. Since this company was not able to get the resolution they wanted with their illicit tactics they used, they sold the debt off to a company called Foster and Monroe LLC. This Foster and Monroe never reached out to me about this debt and I have initiated a dispute with XXXX. I have the first call recording that this company made into our support phone line along with the third call attached to this complaint. This company made a statement when I spoke with them on my personal cell phone ( after leaving a voicemail on both my number and my sister 's number ) that there was a court document or standing that there was a garnishment. This was for the XXXX XXXX area in Virginia, I called all the court systems in that area and there were no cases against me or pending or any of the such. The last attachment is the call that my supervisor took, again in our support phone line, and the caller was being combative and harassing again.
01/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35601	Web
This company has failed to provide me with a debt ( right to dispute ).. They are saying they did but the address they are advising they used, which i am not associated with. I have documentation after documents to prove this .... I want to know who the original credit is because if it has been within the last 5 years then there is no reason, they should have the wrong address. Also, I do not have in lingering debt to my knowledge so this seems to be fraudulent. Again, they are going against my consumer rights. This needs to be removed. My next step will be filing a small claim because yet again, I did not receive a right to disputer- which I am entitled too. Secondly, this company has failed in all communications to do the right thing. All I am asking is give me the proper legal way to review this account and to actually KNOW what it is. Legally- that is my right and my right to dispute it if I have no knowledge. You can not just add a collection to a consumer 's credit report. Please remove this from my report, allow me time to review and dispute if needed. If this debt is actually mines and this is not a fraud Then we can deal with options, however this needs to be done the correct legal way. Please again remove this from my account- provide the original creditor the date it was open- as stated if within the last 5 years there is no reason you should have an incorrect address that i am not associated with. Please also provide proof the debt belongs to me.
11/30/2016	No	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	WI 531XX	Web	Servicemember
I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.
03/01/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web
A XXXX XXXX from Foster and Monroe called myself, my place of employment, my spouse, my daughter and my mother to attempt to collect an unvalidated payday loan debt from XX/XX/2014. When calling my daughter, the agent on the phone, Ms. XXXX, told my daughter that " she should care because it will effect her, '' and they could, " take her house. '' They asked my daughter to verify my date of birth, as well as my social security number, which my daughter declined. In contacting my mother, the caller listed my date of birth and my spouses date of birth, and saying there was " a complaint against '' me and my spouse " in her office. The caller left a message stating that my mother needed to contact them directly, or have her attorney contact him. When I contacted them upon hearing their message, I spoke with a XXXX. I told XXXX that I wished for my family and my employer to no longer be contacted, and he told me that my daughter would not be contacted further. In addition, XXXX told me that since the alleged payday loan was with a tribal community, that Federal Debt Collection Practices did not apply. He asked repeatedly to confirm confidential information, which I declined. When I asked if his company was a debt collector or a law firm, he said they were " paralegals '' and that they just " handled the paperwork. '' Upon researching, this is a gross distortion of the this company 's business.
10/01/2022	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	CA 90713	Web	Servicemember
Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal near-850 XXXX XXXX had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to XXXX. About a week later, I received notice that my dispute had been completed and that the creditor ( Foster and Monroe, LLC ) certified that the information is correct. I called XXXX and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.
02/10/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MI XXXXX	Web	Servicemember
I was contacted XX/XX/XXXX by an attorney working on behalf of XXXX XXXX XXXX stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of XXXX XXXX XXXX ( aka XXXX XXXX XXXX that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded Foster and Monroe LLC ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19122	Web
To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. XXXX. Verification of their claim against you, that is, a signed Invoice. XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary
02/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75068	Web	Servicemember
On XX/XX/XXXX Foster and Monroe was contacted in reference to this debt. I spoke with a gentleman named XXXX XXXX. He stated that the amount owed was {$13000.00} however with interest added the amount added up to {$37000.00} which dated back to XX/XX/XXXX. As of today I have not received any correspondence from the company. According to the FDCP act the company has not validated this debt, the account is well beyond the statute of limitations, they have re-aged the account and they have added a substantial amount of interest on the original debt which was originally {$13000.00} but now its {$37000.00}. There should be paperwork provided with what they are stating instead of a verbal response or written response to validate this. It is unfair for companies like this to abuse consumers let alone someone who served their country. This debt should be deleted immediately. This is an illegal tactic that collection agencies use. When this was purchased, the collection agency can not re-age the account to restart the clock. After filing one complaint the company responded on XX/XX/XXXX, stating that I had made no attempts to contact them. This is false information due to the fact that I have definitive proof that they were contacted. I am forwarding a letter to the State Attorney General and will be contacting the Federal Trade Commission as well.
01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95834	Web
Foster And Monroe LLC : After verifying if your company is licensed in the State of California as a collection agency, XXXX XXXX XXXX XXXX Foster and Monroe LLC is not licensed in California. Therefore, I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends. You are hereby notified that if you do not comply with this request on the day you receive this letter, I will be immediate file complaints with the Federal Trade Commission and the New York Attorney Generals office and other appropriate regulatory bodies. Civil claims may be pursued. Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. Thank you for your cooperation in this matter. Sincerely, XXXX XXXX
03/04/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 313XX	Web
The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.
11/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from XXXX to another company security credit services ( who never contacted me ) and sold again to XXXX XXXX XXXX and now sold to another company Foster and Monroe llc. 16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 198XX	Web
On XXXX I received a call from someone claiming to be attorneys office asking if I seen most recent credit report where XXXX XXXX XXXX was added to my report. I stated no and was told I still had a balance that a lien was put on my house for the amount owed. I stated I wasnt aware of such and I would have to look into as the loan was paid. I was given no options other to pay right then. I checked my credit once I got home from work to find this on my credit. I went to dispute it through the credit bureau and it came up it was disputed in XXXX which is odd if I wasnt aware of this and it was showing it was added to my report in XXXX. I believe this person who claimed to be an attorney could be a scam looking for money may have had this so called disputed through their company knowingly i would dispute it through the credit bureau so i couldnt do anything with it and have to pay. However they offered me no other information on this account. So Im looking to dispute this on my account.
02/19/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33614	Web	Servicemember
The phone calls began on XX/XX/XXXX. They were repeated calls coming from a Ohio number and even on XXXX of them I told them to stop calling. They also have been sending text messages to mother concerning a debt that is over XXXX XXXX XXXX. I have started a dispute with XXXX of the credit bureaus and am sending a letter to the creditors as well. They treating me with garnishing my XXXX XXXX and also XXXX XXXX on my accounts. They are also telling me of a civil judgment that was supposedly done XXXX years ago which I was not summoned for. I believe this is an illegal way to try to collect on a debt that has reached its statute of limitations. Also looking into the original creditors there were investigations and lawsuits back in XXXX for illegal collections and civil judgements for service members not living in the state. The CFPB were the ones who conducted the investigations against the XXXX XXXX in XXXX XXXX XXXX and XXXX
01/22/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75068	Web	Servicemember
On XX/XX/2021 I received a notification from experian about a collection from Foster and Monroe LLC in the amount of {$37.00}, XXXX. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I have not spoken to the company and I would prefer not to unless I have an attorney involved due illegal tactics that could be used to attempt to make me liable for this rogue debt. If in fact that it was something on my end, there has been no type of records whatsoever sent to me or any telephone calls. I have filed a complaint with the better business bureau and filed a dispute with experian in order to have this removed from my credit immediately. This should have never been put on my credit profile due to no communication efforts or any verification by mail from this organization. The end result I would graciously like to have is it deleted from my credit profile.
10/20/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	WI 547XX	Web
XX/XX/2020 Received a voicemail from the representative, returned the phone call. Transferred to " compliance '' person. The collector on the phone was named XXXX, I was looking for more information on the debt in question. Throughout the conversation the representative repeatedly accused me of fraud, said based on how I pay my bills and credit history I was guilty of fraud. He also accused me of securing a loan and closing my bank account to commit said fraud- accusing me of criminal activity. I asked him not to be presumptive, but he continued to accuse me of fraud. Unable to continue the conversation, I asked to have the documents sent to me and not be contacted further. I believe it is against my rights in to be accused of criminal activity in an attempt to collect a debt. I also received two personal phone calls, two phone calls to my employer, and three emails regarding this issue.
12/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MI 48642	Web	Servicemember
XX/XX/XXXX I Was XXXXXXXX XXXX XXXX XXXX Texas. I Rented some Furniture through a Rent to Own Place. Not long after the company went out of business. On XX/XX/XXXX i Was XXXX XXXX from XXXX XXXX and started receiving XXXX from Social Security. in XXXX i was contacted by the original creditor XXXX XXXX XXXX XXXX and explained to the i was on XXXX. and the people on the phone at the time didn't seem to care they were very rude and pushy. telling my they didn't care how i come up with the payment just as long as i came up with it. Here it is 15 years later and the collection agency is still trying to collect some how. even though they have NOT sent me any notices in the mail or tried contacting me in any way, this debt is still on my credit report and it is severely damaging my credit. i wish to have it removed and my credit restored at once,
02/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37013	Web	Servicemember
In or around XXXX or XX/XX/XXXX I purchased a plane ticket through XXXX. I was discharged from the Military before I could fully pay it back. Fast forward to XX/XX/XXXX and my son 's mother received a call from someone trying to collect a debt that they SAY I've defaulted on yet I've never been served with any documents or anything. I was in the Military station in XXXX, XXXX at the the time which was clear because I had to post it on the paperwork. They told me via phone this XXXX that they " tried to serve me at the XXXX address I had on file '' knowing that wasn't my physical residence not to mention it's CHARGED OFF on my credit report. Now im being threatened with 35 % wage garnishment if I don't come up with over {$5000.00} bucks for a ONE WAY TICKET from XXXX to XXXX.
09/14/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 66209	Web
On XX/XX/2021, I disputed an unknown account that appeared on my XXXX credit report. Rather than respond to the dispute/validation request, Foster and Monroe called me and left an inappropriate voice message today, XX/XX/2021. It was not a standard XXXX/mini-Miranda. It identified me as a debtor by name, threatened to add the negative tradeline on additional reporting agencies, and also threatened to make calls to my employer ( XXXX ). There was also a threat to show up and collect some " merchandise '' in person. I have no idea who they are and what they want, hence the reason for the dispute/XXXX. These tactics are illegal. I have copied screenshots of the voicemail transcript. I have a copy of the voice message saved. The dispute/validation request is still unanswered.
12/16/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98126	Web
The company contacted me, my partner, my brother, and my aunt on XX/XX/2021. I blocked the number after advising them to stop contacting me. They sent an email to myself on XX/XX/2021 and claimed to be working for XXXX XXXX XXXX. They text my father and myself on XX/XX/XXXX. 2021. They refused to provide me a statement or verify the debt. I contacted XXXX XXXX XXXX and they advised that they no longer own the debt on XX/XX/2021. They advised me who the new owner was. I contacted both XXXX XXXX and Foster and Monroe to request to verify my debt and requested to be provided a statement on XX/XX/2021. They have not replied. On XX/XX/2021, they contacted me again by text at XXXX XXXX. My father got the same message.
07/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 794XX	Web	Servicemember
Account date opened XX/XX/XXXX by Foster & Monroe LLC at an amount of {$15000.00}. This report was not on my credit history before this time. I did contact Foster & Monroe about this on XX/XX/XXXX. I was met with hostility of an employee named XXXX which by the end of the phone call he just hung up. I could not get much information from him due to this. It was stated I got a loan from XXXX XXXX but not stated when. He also informed me there was a judgment in XXXX in XXXX. This I was never made aware of nor was served papers for. I could not get any other information from him because he started an argument and threated legal action towards the end of the conversation before hanging up on me.
06/22/2023	No	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 72404	Web	Servicemember
XXXX ( Reference previous dispute that was removed ) This account is appearing again under a different company, this time with " XXXX XXXX ''. XXXX, a representative answered the phone saying, he was XXXX... I asked did he work directly for XXXX..He then replied I work for The Law Office that handled the judgement for your case. This account is over XXXX XXXX XXXX. XXXX stated he is not a collection agency, therefore does not have to give mini maranda. ( call was made XX/XX/23 at XXXX They say every call is recorded and maybe monitored. ) This is not only a misrepresentation of the representative of himself as well as the company, but also a misrepresentation of the debt.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07065	Web	Servicemember
I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX to investigate, I was told the company verified my information as correct. When asked to provide me with that information i was told by XXXX XXXX in the dispute team as well, as supervisors that they were provided my social and written information from the furnisher and would not provide me with that information although it is my right under the FCRA.
03/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/21/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94509	Web
I have informed this company numerous times not to call me at work regarding a debt I'm not aware of because they never give me any formation who they are or who they represent. On this date, they called me at work yet again, I hung up on them. Not even 5 minutes later, my landlord calls me and informs me that this agency has called him asking for information on me. This company has also called me numerous times with threats of having me served with legal documents at my jobsite. Also, today a fax was sent to my employer at my jobsite requesting personal information on me. i need all contact to STOP IMMEDIATELY!!
02/09/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46368	Web
The lady at foster and Monroe threatened to garnish my paycheck if I didnt pay by 12 am that day. Also has called me over and over and over again. She also tried to tell me my mom doesnt care about me. She gave me false information about my mom. Shes been very harassing thats why I thought it was a scam and didnt trust paying the debt because Ive never had a collection agency use scare tactics like telling me she would garnish my wages if I didnt pay by midnight and telling me it would hurt my credit. And telling me my mom doesnt care that I will have to pay this debt.
01/24/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 85345	Web
Was contacted by XXXX XXXX and some other man named something XXXX, they threatened me with jail time, told me I needed to adjust a payment within the next two hours or authorities will be sent to my house. Me being scared, I immediately set up a payment plan. I later found out that their whole entire process was illegal and that it could not take affect to my credit. They also broke their own contract towards these new payments by refunding me my money in order for me to take my complaint off XXXX. This needs to be removed from my credit score for unlawful actions.
03/10/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34287	Web
Foster and monroe left the voice-mail below. I did not know who it was, called back and started speaking about my tax return This very important messages regarding a situation in our office pending regarding the tax return individual by the name of XXXX XXXX XXXX (? ) now. It's imperative that we speak to that individual their attorney or the power of attorney right away regarding the matter at hand pending in our office that may affect their 2020 tax return. Our office line here is XXXX XXXX thank you for your time and have a good key XXXX XXXX ... XXXX XXXX ....
03/03/2021	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 786XX	Web	Servicemember
This company started by texting me and family members saying they were with XX/XX/XXXX When I called they claimed to have a " case '' against me for a very old payday loan that was settled years ago. I never received anything in writing but they are now threatening and harrasing claiming that they will garnish wages and take me to court. Claiming I owe over {$5000.00} This started XX/XX/XXXX They are claiming to have received my debt/account in XX/XX/XXXX I contacted original creditor to verify they did not sell it to this company and I do not owe.
12/23/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93245	Web	Servicemember
On XX/XX/2022 Foster and Monroe LLC placed this collection on my credit file, after some research this is what I've come up with.. XXXX XXXX XXXX XXXX. owing XXXX was placed on my credit file report, I then called XXXX XXXX XXXX XXXX. and she directed me to the company XXXX XXXX XXXX. As of now i am a XXXX service connected veteran on a fixed income. And I did not apply for this account.. as apon reading about the companie and then reading about the defrauding to us mostly military families, them victims fund was set up with CFPB,
04/08/2023	No	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	NV 89119	Web
I have sent XXXX multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
04/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92584	Web	Servicemember
I have a collection from the XXXX XXXX XXXX for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX years since then but it shows that this was recently purchased. I have reached out to Foster and Monroe via email with no response requesting for any information proving the validation of the debt.
10/16/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 64138	Web
I continue to ask for proof of debt ; some sort of letter that can be mailed to me to prove this is legit and not a scam. The company has said they have sent out many letters and emails- i haven't received one. The lady XXXX offered to email me a letter of correspondence ; but i've yet to receive it. The company clearly has my correct address, yet I haven't received any collection letters. Foster and Monroe are reporting on my XXXX credit report ; however, I still never received any correspondence about this debt from them.
03/13/2023	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NC 28277	Web
I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.
02/14/2023	No	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	NJ 07065	Web
I sent XXXX a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named Foster and Monroe LLC in the amount of {$11000.00} appeared on my credit report XXXX of XXXX. I disputed the item as not mines and asked XXXX as well as foster and monroe to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.
07/24/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07036	Web
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally
03/08/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77365	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35601	Web
I received a credit notification today XXXX that this company has added a collections. However I did not received a right to dispute. I not even sure what they are collecting for as I have not obtain any debt or opened anything in years. This is a violation of my customer rights and illegal to add to my credit report without giving me the option to dispute or even know what this is.
07/17/2019	No	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 79924	Web
Foster and Monroe have made calls day and night to my phone. At odd hours. Recent voicemail was left by XXXX XXXX who threatened legal action even though it has been 5 years. A company could no longer be able to sue. She said the county of XXXX XXXX will be contacting me. She called my actions silly. And when I had made a payment the link to the receipt/document is broken.
03/16/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 785XX	Web
I have spoken with them already and gave them my debit information so they can deduct my payment on the XXXX of each month. They are calling me every day now, multiple times a day and leave a voicemail that they'll have to take further legal action if i don't resolve the matter because it's not going through. That's my card number, i don't know what's wrong with it.
01/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78232	Web	Servicemember
I received no communication from this company. No phone call, no letter, no email, nothing. But it appeared on my credit report as a derogatory account on XX/XX/2022 for {$2600.00}. This debt is being reported by this company now and the original company, also. So it looks as if it is two different debts for the exact same amount.
06/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77083	Web	Older American
Foster and Monroe, LLC bought an old debt from XXXX XXXX XXXX, on which the statute of limitations ran in XXXX. They then re-aged the debt and reported it as current. XXXX said they " verified '' the account as accurate, but they did not take into account it was a re-aged debt, and no proof was provided to me that I owe the debt.
12/13/2023	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01843	Web	Servicemember
This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence
12/23/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77346	Web
A guy by the name of XXXX XXXX at XXXX keeps calling my cell and just now called my place of employment. I don't know what company he is with but said it is about a XXXX payday loan and they are going to garnish my wages. I know he can't do that without a court order and he is now harrassing me.
04/14/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KY 410XX	Web	Servicemember
Debt collection firm is trying to re start a debt from more than a decade ago. The company was able to put this as a new debt on XXXX. Not only do they mail the same threatening letter to the address but they call nonstop. Today 's call threatened to attach the over aged debt to my mortgage.
05/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48204	Web	Servicemember
Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.
02/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76040	Web
I received this letter from Foster & Monroe , LLC SAYING I OWE XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX account number XXXX and they are asking me to send them XXXX by XX/XX/2022 and dont have no knowledge of these places
11/04/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60622	Web
On XX/XX/2023, I received notification by my credit monitoring service with XXXX that an alleged debt by this agency decreased my score. I was not notified by this company regarding any debt.
10/11/2022	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 328XX	Web
Someone had to use my information to get a loan at this establishment called XXXX XXXX XXXX XXXX, and that was definitely not me. In the amount of {$44000.00} and dated XX/XX/2022
08/07/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94601	Web
XX/XX/2019 CCA Group called my sister and told her I had multiple bounced checks. That they will file charges very soon if they did not get in contact with me.
12/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22554	Web	Servicemember
FCRA 604 Permissible purpose FCRA 609 Disclosures to consumers Fosters and Monroe LLC is not licensed in VA as a collection company.
02/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	NC 27107	Web
I have inquiry on my account from credit cards And will like them to get disputed so I cant build my credit.
06/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48204	Web	Servicemember
Another party is trying to collect dept. The dept has been re-aged.
03/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 352XX	Web
Remove this fraudulent account from my credit file.
04/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32224	Web	Servicemember
I have no knowledge of this account or debt.
02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 434XX	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 088XX	Web	Servicemember

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 43452	Web

11/16/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 74801	Web

06/14/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19702	Web

04/19/2023	No	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	CA 95834	Web

04/03/2023	No	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	AL 36784	Web

03/30/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	OK 74134	Web	Servicemember

03/09/2023	No	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	NV 89107	Web

03/03/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 65714	Web	Servicemember

02/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32516	Web

01/12/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77080	Web	Servicemember

12/06/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WI 53218	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31909	Web

09/20/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NM 88310	Web	Servicemember

09/16/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33311	Web	Servicemember

07/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94706	Web

06/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NM 88310	Phone	Servicemember

06/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NM 88310	Phone	Servicemember

06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 88310	Phone	Servicemember

06/08/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NM 88310	Web	Servicemember

05/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 36116	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72116	Phone	Servicemember

04/24/2022	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	TX 77074	Web

03/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 31771	Web	Servicemember

03/21/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 79907	Web

03/01/2022	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	CA 92509	Web

02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92679	Web

01/06/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 79401	Phone	Servicemember

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report		Web	Servicemember

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33569	Web	Servicemember

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75204	Web	Servicemember

11/23/2021	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 Investigation took more than 30 days	MD 21701	Web

11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91792	Web

11/10/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78252	Web

10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web

10/04/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 76155	Web

08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29150	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32824	Web

03/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web

02/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27616	Web

01/20/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 51559	Web	Servicemember

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92837	Web

11/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92837	Web

08/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55438	Web

07/25/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43147	Web

05/27/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TN 37357	Web

09/20/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20120	Referral

05/13/2016	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75077	Web	Older American