Credit Card Receivables Fund Incorporated CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/14/2020	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CA 935XX	Web
XXXX XXXX at Unifund had called me and he was informed by phone in XX/XX/XXXX that I had severe financial hardship due to a workplace XXXX and I explained that in the past few years I had to sell everything to pay utilities even. I stopped paying all credit cards around the same time after trying to get work and to keep my A+ credit rating. He pressured me for payments. Ignored me. I was threatened with a law suit. I told him to send me a SASE and I'll send it in writing or email it. I had already dealt with all other creditors mostly in a very professional manner. He represented himself as collecting for XXXX XXXX, who I owed {$1700.00} and my final payment was in XX/XX/XXXX. He didn't send the XXXX. Shortly before XXXX XXXX Saturday XX/XX/XXXX, I heard a scary loud beeping from an auto horn outside my house and ran out to the driveway to see what's going on. As I got in view of the driveway gate by the street there was a dark colored, old style, large car there and a tall brown haired guy standing there yelling out my full name a couple of times as soon as I stepped into view. He was about 30 feet away and I asked who he was. He just kept saying my name and since I had been selling a lot of items on XXXX I thought it was someone acting bizarre. He didn't say who he was so I didn't go near the gate and came in to call the cops but when I looked outside again he was gone. The cop said they'll have the info at the police station and I can still get a copy on record of that. He had nothing in his hands so I had no clue who he was. XXXX XXXX phoned me XX/XX/XXXX XXXX. I found that Unifund hired him to give me a summons. I spoke with XXXX XXXX and asked that he mail me a copy because I didn't get it and he sent me a handful of pages but not a complete summons I found out. I was still not well and tried to figure out what to do since they were obviously having fun at Unifund lying and pressuring me. In their summons they included that I worked at a XXXX company that I never heard of and that I had a XXXX XXXX account that I didn't. And, the date the guy came to my house was what they stated was my being served by a process server. I would have taken the docs from that guy and read through them and did what I should to proceed to stop them with facts. I later found that I had a default judgement for that debt. In XXXX I got a letter. I got an attempt to get a lien on my house so I replied to the sherrif and to XXXX XXXX their California attorney at XXXX and XXXX. I also tried to email her but no reply. I scraped up a few dollars to take a bus to XXXX for that court date in XX/XX/XXXX. It's about 60 miles away. I had to sell my custom van in a hurry for much less than its value so could n't drive. They wouldn't accept and op out after I submitted my hardship info to the sheriff. I tried to email them but no response. They wanted a lien on my house that was in pre forclosure, all while knowing that the info on their summons was incorrect and that they were approaching me for Unifund not XXXX XXXX as their rep had verbally claimed. I went and the judge didn't put the lien on the house as they hoped for with their attorney there in court and right away they started filing writs to attack me again. The judge even had the clerk call the XXXX XXXX that they had on file to verify that I had no account there. Unifund filed in XXXX instead of XXXX for writs. They approached me again this time for money, wages etc XXXX XXXX but opped out to go to court when I again explained that my circumstances aren't one that they should be approaching me since I still have financial hardship and I asked that they vacate/close the file permanently. But, they haven't. I even included a pay stub and details of how the income is so low that I can barely make ends meet. It's racking up XXXX a day interest at the sheriff 's in XXXX XXXX CA and nearly {$5000.00} with that and attorney fees and court filing fees. I had written an email to Unifund 's customer service to tell their CEO that they are not being professional and used me to make money for an attorney to show up in XX/XX/XXXX to court when they had the facts. And they knew that there were lies in that summons. It's a form of racketeering maybe too. Since they knew that they can't collect but people are getting paid through the company to pursue me-using me to make money. I even wrote to their Ohio attorney XXXX XXXX and she sent a crappy copy of a partial doc stating it was a default judgement. That's when I wrote to her to drop it due to the circumstances. She could care less if their staff filed court docs with true info or not. And I asked since Covid-19 in an email to Unifund that they should review their legacy default judgements and vacate them in California. In California my debt with XXXX XXXX turned uncollected in XX/XX/XXXX. That was less than 2 months from the date I physically went to court. Yet, with all those lies they still want to wait maybe for a corrupt judge to ok someone like me to have my money taken from me that I barely can do anything with myself. I am adding that I do know that XXXX XXXX is aware of the crisis Covid-19 has caused because I found this link to a blog that mentions her as participating in a Covid-19 and Collection Policies updating webinar. http : XXXX I am asking that they know what they are doing instead of using false information and threatening people like me for nothing. If I was well enough at the time I would have contacted an attorney to sue them for their behavior through FDCPA and would have made {$1000.00}! Even better, I would have kept my A+ credit rating and kept paying off the credit. I love paying bills on time. I just couldn't continue and can't afford to now.
02/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90068	Web
In XXXX I received a letter from the XXXX XXXX XXXX for a debt collection in the amount of {$8200.00}. This was the first time I had any communication from this group. The plaintiff was First Resolution Investment Corporation. I had no knowledge of this debt. No other information was provided. By contacting the XXXX XXXX XXXX ( XXXX ) I questioned the debt and after many requests was finally sent documents pertaining to this case ( which legally they should have already sent me. ) My name, address, Social Security number, etc were on the cover sheet. The following pages then belonged to a different woman with her information and details of a debt. I immediately contacted the XXXX and informed them of their error and that it was a case of Mistaken Identity ; that this was not my debt and they had somehow managed to obtain my personal information and attach it to another persons debt. The receptionist said she made note of this and I was not advised any further of any actions to be taken. I received an additional letter and when I contacted the office of the XXXX, I was told by a receptionist that the case had been dismissed. Regrettably I did not research my rights and provide a written dispute, nor did I keep these documents as I believed this to be concluded and that the XXXX had realized their mistake. One year later I received another attempt of collection for this debt. Again I informed the XXXX that this was their mistake & I had been told it had been dismissed. I asked them not to contact me again and warned them that I would report them for harassment if they continued to send me letters. In XX/XX/XXXX I went to my bank and found a charge in the amount of {$120.00}. I contacted the bank and informed them that I had not authorized this charge. I was advised to contact the XXXX XXXX County Sheriff. The Sheriff 's Department then advised me to contact an Attorney at the XXXX. I tried relentlessly to talk with an Attorney but was either put through to voicemail, ( which I left multiple messages requesting they call me back and send documents relating to this case ), hung up on several times or placed on hold for an eternity. I called the bank back and they notified me through their Fraud Dept. that due to a legal order, there had been an attempt to try and extract {$8200.00} from my account to satisfy all or part of a debt. They charged me a processing fee ( {$120.00} ). If I had any substantial amount in my account, it would've been taken. I then received a Notice of Levy. The XXXX falsely claim to have sent copies for 'Notice of Renewal of Judgement and Application of Renewal of Judgement. ' to my address. I never received these copies. The 'Proof of Service ' letter was not even dated & only claims to have 'placed such envelope for collection and mailing ' on XX/XX/XXXX. ( Document attached ). I am doubtful and question if these copies were ever actually mailed. I am certain the XXXX did not want me to be able to challenge this Judgement but slyly went to the Courts without my knowledge to obtain a legal order. On XX/XX/XXXX, I was shocked to receive completely new documents. This copies show an attempt at debt collection dating back to XXXX ( for a Credit Card debt concluding in XXXX. ) Again, the XXXX falsely claim that I was served with a copy of the Summons and Complaint. According to their documents, these copies were in fact served to a 'XXXX XXXX . ' ( Docs attached. ) I never received these copies. They were never forwarded to me. The XXXX neglected to send any follow up letters whatsoever, for the collection of this debt. In that same time period I had unfortunately accumulated two other debts that were in debt collection. Ironically, I had held onto all of these notices with the intention of settling them when possible. In XXXX, I was in a position financially to do so. I was able to 'Satisfy in Full ' these outstanding debts. ( Docs attached. ) I also contacted the Credit Agencies in an attempt of good faith, to locate and finalize any additional debts. None had been reported. Why were no letters of collection sent or a report filed for this debt? I believe the XXXX has deliberately and intentionally been holding onto this debt to accrue interest. They have sent me incorrect documents ( leading me to believe I was the victim of Identity theft and filing a complaint with the FTC ) and neglected to inform me, by law, of my rights. They have failed to provide me with documentation that legally they were obligated to do and have been incredibly difficult and extremely unprofessional to deal with. It is highly questionable to me the business practice of the XXXX. That I have never received the most important and relevant copies of documents that would've enabled me to settle this debt eleven years ago is troubling. I am very frustrated by the incompetence and negligence of the XXXX. I would've gladly made arrangements to settle this debt in XXXX if I had the relevant information to do so. Instead there was an attempt to gouge my bank account for over {$8200.00}. The judgement from XX/XX/XXXX was a total of {$4000.00}. I am now a XXXX with XXXX children. My spouse supports himself and XXXX dependents. I have read warnings about this Collection Agency in regards to their tactics and dishonesty when dealing with payments made to debts. For this reason ( in addition to my horrible experience thus far with the XXXX ), I am very hesitant to continue dealing with them at all.
05/13/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90504	Web
Filed a complaint about these companies XXXX XXXX XXXX XXXX , UNIFUND CCR LLC PARTNERS and XXXX XXXX XXXX . In the response these companies continued to fabricate. This is from an excerpt in from a CFPB article " Not only did XXXX fail to forward the payments made to the collection agencies unifund ccr partners and XXXX XXXX XXXX XXXX , XXXX XXXX XXXX but it had also sold some debts with inflated interest rates. In some cases, the rates given to collection agencies were as high as 29 % when in reality they were 0 %. " It also used law firms that altered court documents, CFPB Director XXXX XXXX said in a statement. To this day Unifund ccr partners using the law firm XXXX XXXX XXXX and XXXX XXXX XXXX used a legal services company that has a history or forging, providing sewer summons service XXXX XXXX XXXX XXXX at the time XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( Corporate ). produced a fraudulent service in this complaint. I never received the summons they lied on the description and this is how they caused a defaulted judgement and court case continued to perpetrate fraud on the courts and harassment. I received the responses from XXXX and unifund ccr partner through XXXX XXXX XXXX through the CFPB on XX/XX/XXXX in whereas even in XX/XX/XXXX these companies sent 2 responses lying about the amount the charged off account was at the the time of sale XXXX states " At the time the account was sold, the balance was {$9300.00} '' XXXX XXXX XXXX . Then unifund ccr partner states-Please note THIS IS SAME TRANACTION " The balance at the time of purc hase was XXXX XXXX - XXXX XXXX . So they have confrimed in written documents they both are still participating in fraud and illegal debt collection practices XXXX sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director XXXX XXXX . they havent had correct record and fabricated amounts on these separate responses also. Should n't both these companies be out of business for continual fraud and deceptive practices of fraud " junk debt collection ''. One company saying and stating it was Excerpt from the source of CFPB and article by the XXXX XXXX XXXX XXXX XXXX XXXX sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director XXXX XXXX . Todays action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. In the other action, the bureau ordered XXXX to refund consumers {$11.00} million over the banks use of law firms that allegedly altered affidavits filed in debt collection lawsuits. The action also names XXXX XXXX affiliates, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX , and the XXXX debt collection law firms, which are based in New York and New Jersey. They are still using these law firms to perpetuate this fraud because I have this case that is on going as of date XX/XX/XXXX and the y meaning uni-fund ccr partners, XXXX XXXX XXXX XXXX , through XXXX XXXX XXXX on the XXXX XXXX in California. I am seeking the CFPB investigates this law firm and that this law firm XXXX XXXX XXXX receives sanctions for fraud on the court and unifund ccr partners be fined and face injunction for trying to collect on fraudulent debt. I am asking that the CFPB actually forwards this complaint to the Attorney General and the Federal Trade Commission. The FTC actually forwards to the CFPB for complaint sent fabricated document of this stature. I have sent letters to validate the amounts they havent. I sent documents on statue of limitation because they are trying to sue me on credit card debt that 4 times over the California SOL where the dates of last payment was changed in violation of the FDCPA and California Statues of Limitations, I sent cease and desist letters and they are continuing to harass me with lawsuit court dates. I received a default judgment they used this legal company XXXX XXXX XXXX to lie they never served me so it can go into default judgement. They lied on the not proof of summons the description of the citizen not served as XXXX '' tall he is XXXX ''. i had to put several sleepless hours of work to dispute this case. Suffered XXXX XXXX went to the doctor because I have XXXX XXXX and had to go back to hospital one night because of this harassment. I hope you CFPB help fight for the unknowing that have been abused and committed suicide while most of the junk debt collectors knew these individuals did not owe these debts and they continued to be abuse by these practices these companies are continuing these illegal and severely abusive tactics in XX/XX/XXXX wit h no regard to the law or fines. I am submitting this complaint that the CFPB actually forwards this complaint to the Attorney General and the Federal Trade Commission and more legal action is taken against these companies on the west coast in California also.
03/15/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX XXXXX	Web	Older American, Servicemember
In XX/XX/XXXX XXXX XXXX XXXX XXXX bought a dormant Judgment that had expired and was no longer active. They did not revive the judgment. However, they illegally issued a writ of execution to the XXXX County Constable in XX/XX/XXXX to be served and executed. They also issued documents identifying non exempt properties in XXXX county ( the judgment was in XXXX County, Texas ) that were not titled in the same name as the writ of execution. After numerous conversations with XXXX XXXX XXXX I confronted them and asked if the judgment was dormant and also confronted them about the amount of debt that they claimed I owed with interest, etc. The amount of debt had doubled according to their calculations in just 5 months and as represented by the previous owner of the judgment ( that went dormant ). They denied that it was dormant. They then posted on the doors of one of the properties, locked out a commercial tenant that had a 5 year lease, and also ran ads showing that they had levied on the property, and that there was an active judgment against me and that the property would be sold. They then collected money and were supposed to release the debt from the court, etc. INSTEAD, they sent a letter to the XXXX County Clerks office and lied and said that the writ of execution had expired ( and the date they cited was a date days before they locked out the tenant and ran ads for 3 weeks and collected funds ), and that they had NOT identified any properties as non exempt, and that they had not taken any levy action or collected any funds. They asked that the writ of execution be unexecuted and they sent the executed and signed writ back to the county clerk. The clerk did as they requested. The debt is still shown as open in the court records of the county clerks office. THAT IS FRAUD. These folks have walked all over the Fair Debt Collections Practice and act and they refuse to answer any complaints from the Attorney General, Federal Trade Commission, or previous 2 complaints filed with the Consumer Financial Protection Bureau. I am told that before this complaint they had 8 complaints in the last two years and they had failed to answer any of them but one from XX/XX/XXXX. I am requesting that XXXX XXXX XXXX XXXX return all my funds and cancel out the court case and any claims for any debt due to the fraudulent and liable actions that they have taken. I should also note that the legal counsel listed on their site is XXXX XXXX who is the legal counsel for XXXX XXXX XXXX which is a company that disputes tax values and tax appraisal or collections with the counties. The email addresses of each one of the representatives working for XXXX XXXX XXXX XXXX have email addresses for XXXX instead contacts for XXXX XXXX XXXX XXXX. I did attempt to contact XXXX XXXX and she is out of the office until next week. Her assistant did confirm that they all work with XXXX as an entity that is connected to that business. XXXX XXXX is also a prior paralegal. In addition, the website for XXXX XXXX XXXX XXXX showed that they had certifications with XXXX ( previously XXXX ) and were certified with them ( they have a code of ethics and compliance requirements that they respond to any and all consumer complaints or concerns immediately ... ..something that they surely do not do. And XXXX, which also requires high ethics and performance for any credit collection companies in the industry that are associated with them - and they require strict compliance in responding to consumer complaints, CFPB complaints, etc. That is not something that these folks do at all. AND Finally, this company claimed that they were members of the XXXX XXXX XXXX XXXX. I talked to the CEO and they were NOT members. He went directly to the website to verify and he then contacted National Judgment Recovery and had them remove him from the site. These folks illegally represented that they had an active judgment, they took illegal and threatening actions, illegally seized property, illegally locked out a tenant which resulted in the loss of a tenant and rental income of {$210000.00} for the duration of the remainder of the lease, falsely advertised the property for sale and disclosed to the world false legal claim to the right to auction the property off, denied that the judgment was dormant, doubled the amount of the debt claim, and then FRAUDULENTLY CLAIMED TO HAVE DONE NONE OF THOSE THINGS AND ASKED FOR THE ILLEGAL WRIT TO BE UNEXECUTED TO TRY TO COVER UP THEIR ACTIONS.
10/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 90504	Web
During the years of XXXX XXXX sold many charged of accounts with already inflated puffed misrepresented fraudulent amounts as and with the principle my account happened to be XXXX of those accounts it was a little over {$3000.00} XXXX inflated it to over {$6000.00} in a little amount of time. The CFPB contends that, If you had a XXXX credit card between XXXX XXXX, XXXX and XXXX XXXX, XXXX and XXXX raised the interest rate on your credit card due to a delinquent payment or default on your credit card you may be included in the XXXX Credit Card Class Action Lawsuit Settlement. Also XXXX customers to get refunds, debt forgiveness under settlements over allegedly illegal debt collections XXXX XXXX and XXXX XXXX, XXXX overstated the interest rates on nearly XXXX card accounts that it sold off to XXXX different debt buyers. Inflation of the principle of the debt by XXXX illegal and very aggressive debt collection practices purchasing inflated debt without correction also my brother harassing and using his address and as a false person in fradulaent proof of service The second CFPB action is an order to comply with a XXXX state court order to refund money collected from consumers due to the alleged altering of affidavits, as well as the court 's order to stop collecting an additional {$34.00} XXXX in debts. CFPB is ordering the XXXX debt collection law firms involved in the case to pay a total of {$80000.00} in penalties to the bureau 's Civil Penalty Fund. Im in XXXX and though the CFPB as well as court 's order XXXX and debt collector to stop collecting an additional {$34.00} XXXX in debts. Unifund CCR Partners, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has breaking the willfully has done this to me I am still being affected by these practices falsifying documents, altering documents altering affidavits documents filing false. Unifund CCR Partners purchased these inflated debts from XXXX XXXX or XXXX of the XXXX debt collectors XXXX sold these already altered and falsified document with already inflated principle to UNIFUND CCR Partners and UNIFUND CCR LLC Partners continued to use these inflated amounts as the basis in filing lawsuits with these false and inflated amounts as a basis on top trying to collect these debts and also lawyer fees and accurals that were totally wrong and to make matters worst continuing after being reminded that UNIFUND and there lawyers are breaking the law tricking courts and XXXX department filed wrongful writ of execution for bank levy all of this while using false altered documents false affidavits possibly robosigned false principle amounts that were used with false affidavits. Unifund CCR LLC, XXXX XXXX XXXX are sure to fail chain of title, no contract with the signature between the debt collector and I. They have n't proved this. Unifund must prove that : ( 1 ) it has the right to sue you ; ( 2 ) that debt is yours ; and ( 3 ) you owe the amount they sued you for. They have n't and are still trying to collect debt on this. They continue to willfully break the law even after being sued in class action lawsuits, fines and they continue. It is so unreal these guys are still in business. They know that they are wrong and they still try to get away with any and everything that they can. I am seeking they stop pursuing me. The thing that makes it easy for UNIFUND CCR LLC, XXXX XXXX XXXX to get prosecuted again is the track record. I am seeking that UNIFUND CCR LLC has there debt collecting bond revoked since they continue to disobey the law time and time again so willfully, For filing so many false and altering court filings XXXX XXXX group requires being barred and there Bar number revoked. I warned them through a cease and desist letter informing them that they are breaking the law by continuing to try to collect so instead of doing what is right by. ( THERE IS MORE TO THIS )
10/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 028XX	Web	Servicemember
See : XXXX Clarification : The previous response from Unifund seemed to have thought I was accusing Mrs/Ms. XXXX 's office of wrongdoing by releasing my address information to the Constable. This is untrue, I simply said that it was obviously incorrect ( my address on file ) if the gentlemen, the original creditor, and Unifund all said the correct address, minus the apartment number which would result in mail not being received. - I just wanted to make sure we understood this, because there was nothing done wrong by the lawyer and her office. -- -- -- -- -- Now, I'd like to bring your attention to the Original Creditor - " XXXX XXXX XXXX XXXX XXXX '' hereinafter " XXXX '' and the letter received via postal service in response to XXXX. In paragraph two, the letter states : " XXXX XXXX XXXX , XXXX is prohibited from reselling or transferring your account to an entity other than XXXX XXXX XXXX XXXX XXXX. '' I would also call to attention the chain of custody documents sent to me, as well as the referenced fraud form which was never sent. The chain of custody documents show a 'TRANSFER OF DEBT '' from XXXX XXXX to XXXX who on the same day transferred this debt once again to it's other branch. Although the letter mentions the " affiliation '' of XXXX XXXX XXXX, according to FDCPA ( Fair Debt Collection Practices Act ) - an affiliate must share the same entity or organization. As seen by a simple search, one company is an XXXX, one is not. This clearly shows that they are not the same organization, and may be a DBA or XXXX, but mot certainly are not part of the parent company who XXXX transferred the debt to, and swore that such debt would stay in the possession of said company ONLY without transfer. The XXXX is seperate, the address is seperate. I never received the promised " fraud document '' to report the fraud. XXXX XXXX actually told me in the same letter to contact XXXX XXXX directly. Come to find out, they said to contact XXXX XXXX. Therefore, clearly they are not the same entity, and as said by the XXXX XXXX who responded : " XXXX XXXX and UCCRP are affiliates. '' Therefore, FDCPA clearly stipulates that an affiliate is not " the same entity '' - and therefore, my debt was transferred outside the FIRST agreement from XXXX and XXXX XXXX. This precedence is never followed by a further disclaimer that my rights of " no transfer or reselling of debt to any other company '' was terminated : which it could not do legally. Thank you for your prompt response, your professionalism, and your candidness in handling this matter. I have been very pleased with all of the documentation received, and with the exception of the misunderstanding regarding the address statement to Mrs/Ms XXXX, as well as my lack of receiving a document to report fraud, I am extremely pleased to know this is how seriously and honestly you folks report debt collection. Given my financial situation, I really appreciate the help and would like to handle this without having to file Chapter in my state. After a thorough evaluation of the " claimed debt '' I have come to the conclusion that only 8 of the more than 150 charges are even plausible given my location and job at the time. ( IE : Charges 27 miles away while at work. ) I would like to point out the legal issue regarding the transfer of the debt without consideration of the ORIGINAL agreement that was furnished by XXXX ( XXXX XXXX ) and the later transfer of the same debt to two entities, one of which is not a " agent by association '' aka a legal term for an assumed affiliation by similar name.
02/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30328	Web
Hello, My name is XXXX XXXX and I am reaching out to CFPB for assistance with stopping UNIFUND CCR PARTNERS from continuing to collect through it's partner XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX monies that are NOT OWED in the form of a Court Judgement from the State Court of XXXX County ( Judgement Case NO. XXXX ). I am including the AFFIDAVIT OF CONTINUING GARNISHMENT paperwork I was able to retrieve from the offices of XXXX XXXX XXXX XXXX only AFTER my wages were garnished XX/XX/XXXX in the amount of {$500.00}, again on XX/XX/XXXX in the amount of {$390.00} and yet again on XX/XX/XXXX in the amount of {$470.00} before I was able to make a payment arrangement with XXXX XXXX XXXX on behalf of it's client Unifund CCR partners to make monthly payments that wouldn't be so dehabilitating to me and my family. Apparently, at some point UNIFUND had been garnishing a teeny residual payment fund that I only collected every 3 months or so from a one line role I had on a show called " XXXX XXXX XXXX '' sometime in the XXXX XXXX. These checks were sparatic and ranged from {$.00} - MAYBE {$15.00}. I have NO idea which address they could have even used to MAKE SURE I NEVER saw a summon or had the opportunity to answer. The paperwork finally given to me was under the name XXXX XXXX ( my maiden name ) I only had one credit card at the age of XXXX which my Grandfather sent to me when my last name was XXXX. He worked most of his life and retired from XXXX XXXX. It was a XXXX Mastercard which he paid off and closed before his passing. I was married in XX/XX/XXXX and my last name has been XXXX ever since!!! I have never had a XXXX XX/XX/XXXX Visa card. This is obviously a FRADULENT CLAIM and I feel extremely violated and targeted by UNIFUND 's ability to retreieve my personal infomation after 22 YEARS ( the last time my last name was Branch ) which must have been passed from one non-credible " law firm '' to the next before finally landing with UNIFUND, go to Court WITHOUT MY KNOWLEDGE, WIN a Judgement and then invade my privacy at my place of employment and STEAL the wadges that I worked SOOOOO hard for!!! As UNIFUND nor any " Law Firm '' ever sought to report this alleged deliquent account to any Credible Credit Bearu, they have NEVER come up on any of my credit reports for me to investigate and dispute. I did not know what to do as they had a Court order which I did not believe I could fight and so ... I paid them. I will not be their victim any more. My husband and I are hard working, honest people trying to purchase a home and continue to provide for our children. It is XXXX the legnths that people will go to defraud innocent people. I inquired SEVERAL times for XXXX XXXX XXXX to give me the information of the original creditor making these claims. The only information they could offer was XXXX XX/XX/XXXX. Of course they had no information as it had been 20+ years not to mention, the account NEVER existed in the first place. Aside from the {$1300.00} garnished from my wages, I have made an additional {$2700.00} in monthly payments to XXXX XXXX XXXX. UNIFUND is COMPLETELY wrong for extorting this now {$4000.00} alleged debt from me that I NEVER made and I want every cent of my money BACK!!!! I wish I knew how to begin to fight back sooner. Better late than never.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	GA 30039	Web
I mailed a letter to UniFund asking them why they put this account of my credit report AFTER I contacted them and started making payments. I mailed a letter and sent copies of my check stubs to let them know how much I could pay a month. I started making those payments. Two or more months later, they put the account on my credit reports. What reputable company would do that to a person who is making payments? I can see if I ignored them and failed to pay. I understand that they are in the business of destroying peoples ' credit, but come on, I was paying this account back. First, I asked them to validate and show how the balance got to be so high. They sent itemized statements showing the balance increase each month. I then sent copies of check stubs and began making payments. At a time like this when people are already having hard times, why would they put that on my credit report when I was making the monthly payment that I told them I could make?????? I stopped making payments on this account. I feel now that I have no interest in repaying anything. The damage has been done, so if they don't care to do what's ethical, neither do I. I wanted to do the right thing and make payment arrangements and make my monthly payments so that this account would NOT appear on my credit report. Guess what? UniFund put it on my credit report anyway, despite me doing the right thing. They responded to my letter below saying that the account was validated. I did not ask for validation again. I asked why would you put this on my credit reports if I am making a good faith effort every month to repay what is owed!!!!! They didn't even try to offer a settlement for this account. UniFund is a big joke and a disgrace to all the collection agencies who treat people in an ethical way! Below this line is a copy of the letter that I sent. ... ... ... ... ... ... ... ... ... ...... In reference to account # XXXX, I stopped making payments on this account because you placed it on my credit report. I contacted you to advise you of what my monthly finances were and how much I could pay every month. I then began making my monthly payment. WHY WOULD YOU PUT THIS ON MY CREDIT REPORT AFTER I CONTACTED YOU ABOUT MY FINANCES AND STARTED TO MAKE MY MONTHLY PAYMENTS?????? Creditors usually dont put an account on someones credit report if they are trying to repay the debt. They usually place accounts on credit reports when someone doesnt respond or doesnt attempt to make any payments. Since this item has been placed on my credit report, there is no desire to make any future payments. My credit is ruined again, so I really dont care at this point. I think what you did was wrong. If the item is removed from my credit report, I will resume making payments. If not, the account will remain on my credit report with no future payments. The choice is yours. I did my part in reaching out and attempting to repay, even if it was a small amount. Now do your part and remove this account from all credit reports so that I can resume making payments. Thanks for your time. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ---
06/14/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MO 64133	Web
XXXX/XXXX/14 - Received a collection letter from XXXX for a charged off XXXX Credit Card. I worked out payment arrangements of {$25.00} every month for XXXX, XXXX, and XXXX of 2014. Also worked out payment settlement agreement with XXXX of {$2700.00} to be paid in XXXX of 2014 ( gave bank account information for auto drafts of the payments ). XXXX did not honor agreement and sold debt without taking an auto drafts, I called to verify with XXXX where debt went and they could not tell me. I waited to hear something from a new credit collection agency. I did not receive any letters or notifications until I finally received a summons to appear in court on XXXX at XXXX to go to court on XXXX. Unifund CCR LLC based out of Ohio was suing me for the debt that I had originally worked out a settlement agreement with XXXX for {$8100.00} which is a incorrect balance. Disputed the validity of the debit with Unifund via e-mail, in court on XXXX, and via certified letters sent to Unifund and their attorney XXXX based out of XXXX XXXX, MO. Attempted to communicate with Unifund on XXXX via telephone prior to the XXXX court date and they would not discuss the collection. On XXXX, called XXXX and tried to work out the debt however they would not agree to the previous settlement agreement and had to talk to Unifund. I sent certified letters requesting proof of ownership, a valid agreement with my signature from the original creditor XXXX XXXX XXXX Credit Card Company XXXX and an itemized explanation of how they came to the balance. XXXX certified letter was sent on XXXX to Unifund, another certified letter was sent on XXXX to XXXX sent a XXXX request to XXXX on XXXX along with discovery requested by the attorney 's office. At the hearing on XXXX, Attorney XXXX XXXX XXXX provided 2 year 's worth of copies of charges on the XXXX Card but did not provide the proof of ownership nor did they provide a valid agreement with my signature on it. I was given a quick court date after being summoned. I was not allowed to communicate with Unifund and XXXX would not discuss unless I called through a call center and stated that I was not recording the conversation nor was a 3rd party listening but stated that they would be recording the conversation. XXXX call center is using " bullying '' tactics to scare people when they ask up front if you are recording the conversation or if a XXXX party is listening before they will discuss the account with you however, they are allowed to record the conversation on their end. Poor communication on both sides from XXXX and Unifund. Unifund nor did XXXX provide the proof of ownership or my valid signature as requested by certified mail within the XXXX days as requested. I also received signed mail receipts from both Unifund and XXXX showing they received all letters referenced above. I would like to also state that this collection through Unifund nor does this original charged-off XXXX credit card appear on any of my credit reports, I checked all XXXX XXXX
02/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92284	Web
I XXXX XXXX hereby submits a complaint against one of the largest national banks in America, XXXX , XXXX . I am just a middle class single mother of XXXX, trying to make a living. There have been times in my life when I struggled financially. Over ten years ago, I defaulted on a XXXX account, and over the years the collection aspects were negated and the credit charge off was even removed from my credit reports, as the 7-year timeline to maintain it had elapsed. Now XXXX has lowered itself to submit back-end debt service to debt buyers, even after debts are proved to be non-collectible. The credit trade line was officially charged off so long ago that XXXX deleted the account off of my credit reports. So now XXXX , XXXX . is selling off charged-off debts. This is a popular move since the XXXX XXXX XXXX XXXX XXXX XXXX decision in the U.S. Supreme Court of XXXX ( Decision Attached ). However, XXXX XXXX. is participation in a Ponzi- Scheme approach to not only obtain the taxable write-offs on defaulted debts, but to also double-dip into potentially draining what little capital could remain from a common American citizen. Here is how the scam works : XXXX XXXX. ASSIGNS DEFAUTED DEBT TO XXXX XXXX XXXX , XXXX XX/XX/XXXX BILL OF SALE AND ASSIGNMENT BY ELECTRONIC SIGNATURE XXXX XXXX XXXX , XXXX TRANSFERS OWNERSHIP THE VERY SAME DAY BY XXXX XXXX, XXXX. TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX XXXX XXXX, XXXX ON XX/XX/XXXX BY XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX ASSIGNS DEBT TO XXXX XXXX, XXXX XX/XX/XXXX BY XXXX XXXX, INVENTORY MANAGER XXXX XXXX. should look into federal case decisions U.S. v. XXXX XXXX XXXX before it ever gets involved in selling off debts to what appears to be a Ponzi-Scheme on receivables, debts that can no longer be enforced, and selling to companies without proof of proper bonding and licensing to enforce defaulted debts in the state of California. This action is criminal in nature. The continuous transfers are a form of the title cleansing practices of real estate scammers, a practice quashed by actions with the U.S. Department of Justice. XXXX is proving that they will step to as low as a level as a national bank can go. Their actions are complicit within a criminal process to destroy average American consumers, and the Consumer Financial Protection Bureau, along with the Federal Trade Commission, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the banking department of the state of California, in addition to the Office of Attorney General, state of California will be involved in this complaint. Action must be taken to cease these types of activities by XXXX , XXXX . and the affiliated companies stating that they have obtained uncollectible debts.
11/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33317	Web	Older American
On XX/XX/XXXX Unifund CCR, L.L.C. ( a/k/a Unifund ) contacted me and confirmed that their communication was from a debt collector, and included billing statements from XX/XX/XXXX XX/XX/XXXX. Unifund was attempting to collect a purported {$9900.00} debt owed to Distressed Asset Portfolio III, L.L.C. who purchased the account from XXXX XXXX XXXX, XXXX. ( i.e., XXXX XXXX XXXX ). On XX/XX/XXXX I spoke with XXXX XXXX in Unifunds XXXX Call Center and explained that on XX/XX/XXXX I filed an Affidavit of Identity Theft, pursuant to 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act [ 15 U.S.C. 61681s-2 ], with XXXX Customer Fraud Protection. On XX/XX/XXXX and again on XX/XX/XXXX I wrote Unifund requesting validation that I was the responsible party for the debt to XXXX XXXX Services ( a/k/a XXXX XXXX XXXX ) and, in turn, to Distressed Asset Portfolio III, L.L.C., and/or the debt actually belonged to me. On XX/XX/XXXX, I received a letter from Ms. XXXX XXXX XXXX, Unifunds Legal Counsel. The letter merely replicated the same material that Unifund sent on XX/XX/XXXX and failed to produce any contract with my signature but continued demanding payment of {$9900.00} to Distressed Asset Portfolio III, L.L.C. that was being collected by Unifund. These repeated demands for an unknown, unvalidated, debt coupled with someone who was purportedly acting as Unifunds attorney was beginning to appear as an extortion rather than a bill collection for a fair debt that was owed. On XX/XX/XXXX I received a letter from Unifunds attorney ( i.e., Mr. XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. of XXXX, KY ). Mr. XXXX cited several Federal Court Cases all leading to a continued claim for a {$9900.00} debt that I supposedly owed to Unifund. Among the citations Mr. XXXX wrote included : verification of a debt involves nothing more than the debt collector is claiming as owed. If verification only needed to be what a debt collector claims is owed, it would disregard validating if the debtor is the person responsible for the debt versus merely identifying anyone and verify billing statements were sent ( i.e., guilt by accusation ). Validating that I was the person responsible for the debt was the issue ; that didnt occur in deference to demanding I pay {$9900.00} to Distressed Asset Portfolio. On XX/XX/XXXX Mr. XXXX, representing Unifunds position, sent an e-Mail, where the Subject line read XXXX XXXX XXXX, stating : Mr. XXXX I consider our correspondence on the matters you raised in your several letters and my response letter to be over. However, his phrase was over was undefined, unexplained and/or not specific as to what matter was over.
04/14/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX XXXXX	Web	Older American, Servicemember
This complaint is in response to the company 's previous misinformation and answer to my complaint # XXXX. UNIFUND misrepresented that the judgment they owned was active. IT WAS a DORMANT JUDGMENT and they misrepresented that and sold it to XXXX XXXX XXXX XXXX. l. Unifund attempted to collection on a dormant judgment. The writ was returned to them from the constable as not identifying any non exempt property. However, the writ was also issued outside the 10 year time frame allowed for tolling. Unifund has attempted to claim that the writ was issued before the 10 year time frame by using a bogus preparation of writ date. Texas Law clearly rules that mere preparation of a writ does not constitute issuance. The writ is NOT legally issued until it is date stamped and signed for by the constable/sheriff. THE judgment became dormant prior to the XX/XX/XXXX date that the constable signed the writ. 2. Unifund sold this judgment on XX/XX/XXXX to XXXX XXXX XXXX XXXX and claimed that the judgment was ACTIVE!!!!! They misrepresented the facts and received money or benefits as a result of it and by warranting that the judgment was not dormant. 3. In fact they continued to claim that the judgment was active into the complaint cited above. I am attaching the course taught at the Texas State Bar for accreditation and specialization for consumer collections. Page 5 and 6, IIIA.c. ( l ) states that : The law requires that when an execution has been placed in the hands of a sheriff, he shall note upon it the hour and the day received, and shall, within the time prescribed by the execution, make due return of what he has done, in compliance with the requirements of the writ.... In order to be a compliance with the statute the writ must be placed in the hands of the officer whose duty it is to execute it ; and until this is done there has been no sufficient compliance with the law 4. Additionally, once the judgment becomes dormant the following applies : If a writ of execution is not issued within 10 years after the rendition of a judgment of a court of record or a justice court, the judgment is dormant and execution may not be issued on the judgment unless it is revived. 5. UNIFUND and XXXX XXXX XXXX XXXX are in the debt collection business and have an obligation to be mindful of the laws. They have purposefully breeched the fair debt collections laws and misrepresented the facts and they continue to do so even today in fraudulently citing rules on the lawful tolling rules for maintaining an active judgment. THEY DID NOT act within the legal perimeters of the laws and misrepresented those facts.
04/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MN 55126	Web
On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX and after giving my name address and case information I was transferred to Representative XXXX XXXX ( direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from 8 plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a manager. I was transferred to Collections Manager XXXX XXXX ( direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX XXXX. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called XXXX and asked why the debt was not paid. I was told they could not release the funds to XXXX XXXX XXXX until they received a " Order to Remit Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage Garnishment Release '' form. I called XXXX XXXX and informed him of the information I received from XXXX. He said he would talk to his admin and see what happened. I will be calling again tomorrow. My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
08/03/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60016	Web
On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was UNIFUND. UNIFUND sent XXXX XXXX XXXX my incorrect information and are threatening me with a lawsuit. First off, UNIFUND does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now UNIFUND and XXXX XXXX XXXX and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that UNIFUND posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted UNIFUND, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information UNIFUND has pertaining to me is inaccurate as well as this debt. XXXX has written off my account and did not reach out to me to pay them any outstanding amount. UNIFUND who is working alongside with XXXX XXXX Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want UNIFUND or XXXX XXXX Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.
09/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hi and how are you doing during Covid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/27/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IN 476XX	Web
On XX/XX/2018, Unifund CCR LLC filed a lawsuit against me. In court Unifund failed to serve me many important documents, misinformed the court many times ( told the court that " I '' was " confused '' during this year long lawsuit and either intentionally confused the court and myself or the attorney did not look at documents and records being submitted. Unifund 's counsel argued telling the court that I was using the court order to compel arbitration to argue FDCPA violations on another account owned by Unifund, which was not true. In arbitration with XXXX XXXX XXXX ( AAA ) ... I file two demand for arbitration cases with XXXX. One was a court ordered case and the other case included an account that was never in court. The court ordered XXXX case was closed by XXXX due to Unifund failing to pay their filing fee. Unifund 's counsel commingled the two credit card accounts into the XXXX case that contained the credit card account that was never in court. Their answer to my demand for arbitration was never served to me despite asking multiple times asking about it. When the case manager emailed me what Unifund submitted, I immediately filed objections because Unifund had commingled two different account numbers in their answer. I even listed which exhibits were for each account. It was VERY clear they were commingled considering there were documents on a $ XXXX credit card and a $ XXXX credit card with different credit card account numbers. We had our initial conference hearing in XXXX with the arbitrator. Unifund 's counsel either flat out lied to the arbitrator to try to confuse the parties or Unifund 's counsel did not take the time to read my objections that were served to her that spelled out which exhibits were for which credit card. Unifund 's counsel kept telling the arbitrator that I was lying and that ALL the documents were in reference to one account number. We got nothing accomplished at the hearing because Unifund 's counsel just kept calling me a liar and wouldn't give me time to talk. Needless to say, the arbitrator ending up making an award for both accounts because Unifund 's counsel kept submitting the documents for both. I never had a chance to even defend myself in the $ XXXX lawsuit because Unifund 's counsel either didn't look at the documents or was intentionally trying to confuse myself, the arbitrator and the court. I would expect more from an attorney.
11/13/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76244	Web
On XX/XX/XXXX I received a letter from debt collector Unifund CCR to inform me that they are servicing an account that is owned by Distressed Asset Portfolio III, LLC with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to Unifund CCR via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that Unifund CCR provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or Distressed Asset Portfolio. I have not received a response to my request. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that Unifund CCR placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by Distressed Asset Portfolio.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. I sent another letter to Unifund CCR on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by Unifund CCR for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
03/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77494	Web
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. Greatly appreciate your support. Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX.Tx.XXXX
10/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
XX/XX/XXXX, I contacted UNIFUND CCR LLC in regards to this inaccurate account on my consumer report. The correspondence received on XX/XX/XXXX did not fulfill any of my prior requests. All I received was an unsigned contract from another company and notified that the collection account had been sold to yet another company, DISTRESSED ASSET PORTFOLIO III , LLC but is still being updated reported from UNIFUND CCR LLC. Your company has failed to provide me with competent evidence to prove that I have a legal obligation to pay the alleged debt to you or any third party. Your company reported derogatory information/account/debt to my consumer reports ( XXXX, XXXX, XXXX, XXXX, XXXX. ). Your company failed to validate debt. Your company does not own alleged debt. Your company is not in possession to collect alleged debt but still reporting to my consumer report and causing me hardship. I am attesting that I have not received any goods or services from them nor do I plan to in the future. I have no verbal or written contract with UNIFUND CCR LLC that states I owe them or agree to pay them any money. I have no knowledge of this company and again I have no desire to do any business with UNIFUND CCR LLC. I am a victim of fraud, and I'm demanding that UNIFUND CCR LLC according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ) IMMEDIATELY as I have previously requested, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also upon checking my reports, I've noticed that your company has been doing soft credit pulls of my information, that occurred on XX/XX/XXXX and XX/XX/XXXX, which is another violation of my rights under the FCRA. If your company has sold this alleged debt to another third party, why are you still illegally pulling my information regularly? I never authorized your company to pull my report under any circumstance nor invade my privacy. Lastly, upon checking XXXX XXXX XXXX, your company doesn't have any license that allows you to collect debt in the state of Tennessee.
09/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75703	Web
XX/XX/XXXX To whom it may concern : Re Account number XXXX On XX/XX/XXXX, I pulled my credit report on XXXX and discovered that this account was reporting as Included in Bankruptcy with a Transfer or Sold status. On XX/XX/XXXX I disputed this account with XXXX in order to correct the Transferred or sold status notation. A Discharged debt can not be sold or transferred per the FCRA, and the US bankruptcy rules, and must reflect the correct account status, Included in bankruptcy. On XX/XX/XXXX, I was alerted that this account had an Updated status as Transferred or Sold, without any notation that is was discharged in bankruptcy. XXXX stated that this account has been verified per my dispute according to XXXX. It was updated with erroneous information on my credit report, and the date of last active or last reported, did not change, which would indicate that the account was in dispute. Nor did the the account show it was under investigation. On XX/XX/XXXX that I sent a certified letter to XXXX XXXX XXXX XXXX, advising them of their disregard in reporting accurate information to the credit bureaus, and Demanded its correction and or Deletion :. As of XX/XX/XXXX, XXXX has not responded to any of my disputes or letters sent to them. This blatant disregard of the fair credit reporting act, is destroying my credit profile, and creating denials of new credit. This debt was discharged in Bankruptcy court on XX/XX/XXXX, and under the fair credit reporting act it must show accurate or be deleted in its entirety. XXXX is reporting this account as Discharged in bankruptcy. The last active status matches my bankruptcy filing date as XX/XX/XXXX, but the account is showing a Date of last payment on XX/XX/XXXX, which is four years past my discharge date. This also falls under the same guidelines as above. XXXX, was served with the same court information as the other creditors in my petition, and are blatantly disregarding the Rules of bankruptcy. It is now my understanding that this account has been sold to a company named Unifund. Please note : Any collection attempt on a discharged debt is a violation of federal law.
08/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54729	Web
There are many charges on this account that were not made by me. I contacted XXXX XXXX XXXX XXXX XXXX several times on and around XX/XX/XXXX. I told them there were many charges on this account that were not mine and there needed to be an investigation done. They would not take steps to look into the problem. I told them I was not going to make any more payments till it was investigated. They got fed up and tired of arguing about the debt and then sold the debt to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Same problem with this XXXX XXXX XXXX XXXX, I contacted them, explained the situation to them and nothing was done, or looked into, or investigated. I told them that many of the charges were not mine and I need all the information about the account to prove my case. They then just told me to pay the bill. I believe they do not have the Information, or are holding it back because they do not want me to be able to prove my case. They just want to get a Judgement on that Ridiculous Number they have listed on the Summons. All they care about is making a huge profit off a debt they pay pennies on a dollar for. On XX/XX/XXXX XXXX XXXX XXXX sold the debt to another debt collector Unifund. They hired a XXXX XXXX of XXXX XXXX to sue me for the debt. I tried discussing it with them and they told me to set up a payment plan. I told them I am not responsible for the hole debt and am not paying till the fraud issues are resolved. They filed a small claims law suit in court and will not get back to me, or discuss any investigation, or settlement options for my part in the debt. Another thing is they sued and on the Law Suit and there are Two people at my mailing address with the same name, only the middle initial is different. I do not think they know who and which one they are looking for., and have all the proper documentation to prove it. or have investigated it, and found fraud charges but do not want to admit it. Thank you
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	CA 91403	Web
My XXXX XXXX credit card was put into collections and the balance was {$1500.00} or so. I was dealing with XXXX XXXX XXXX XXXX and setup a payment plan with them to automatically deduct {$100.00} from my bank account. I paid 9 consecutive payments totaling {$900.00}. Then my account was transferred without my knowledge to Unifund. They sent me a letter saying that they were now handling my account. I was unaware that I was dealing with Unifund or that I even had to lookout for a letter from them because I was working with XXXX XXXX and that this debt would soon be resolved. Here are my issues : I did not authorize XXXX XXXX XXXX XXXX to transfer my account to Unifund and that my agreement to satisfy my debt was with XXXX not Unifund. I find it very convenient and not a coincidence that {$900.00} was collected from a {$1500.00} balance and as soon as I was close to paying my debt my account is transferred to another collection account. I feel that Unifund and XXXX are practicing predatory lending and unethical business practices creating a never ending loop where I will never be able to resolve this issue. They are taking advantage of me and passing my account around making it extremely difficult to settle the debt. I owed XXXX XXXX XXXX XXXX {$1500.00} and after collecting {$900.00}, Unifund is now saying I still owe {$1500.00}. Where did the money go? Again, a never ending loop where I can't resolve this issue and continue to worry that my credit rating will always be negatively effected. I want to resolve this issue and want XXXX, Global, and any other future collection agency to cease and desist in pursuing collections. I have done everything in my power to try and make good on this collection and I do not want to waste any more of my time or have my credit rating negatively effected by this issue now or in the future.
05/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90024	Web	Servicemember
To Whom It May Concern : XXXX / XXXX / XXXX XXXX XXXX Consumer Financial Protection Bureau Case # XXXX It is obvious from the Unifund response that this is a standardized template letter. I have never been served in person, by mail or in any other format ever. Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or US mail ever delivered to any address that I receive correspondence at. Additionally, NONE of the credit reporting firms including all the majors, XXXX XXXX and XXXX show ever an official claim filed against me. I am attaching a copy of XXXX which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years. The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from XXXX , well over 11 years ago. My complaint has been fully validated : 1. Unifund has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law. 2. Nor has Unifund provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to. 3. I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over 10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US credit reporting firm of the existence of this claim.
05/24/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NH 03103	Web
Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.
12/04/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90045	Web
After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden XXXX XXXX XXXX was able to respond, but still did not provide a written settlement. I had to file another complaint first. With all this time past and XXXX XXXX XXXX falsely filing a lawsuit against me, I had many unexpected costs caused by XXXX XXXX XXXX and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. The original amount I had offered XXXX as a pay-off quote {$850.00}, is not available anymore. I have been without work since XXXX. No work, no money. I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. Furthermore the settlement agreement that XXXX XXXX XXXX sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. They should offer a compensation for mistreating people, harassing others and making them sick. I should receive money for compensation from them. Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... Please explain and investigate! They called from phone number : XXXX XXXX XXXX XXXX
09/14/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	TX 78250	Web
Unifund LLC, sent numerous letters to two of my previous addresses in an attempt to collect a debt. The addresses that where used at the time, were no longer my residence which did not allow me to know that they had purchased a debt and where attempting to collect on it. They without me knowing filed a citation to summon me to court in which my correct address was then used, and I was made aware of the issue. I was blind sided by this ordeal and had no other option but to go to court without representation due to only having 14 days to respond. While in court I was ordered to pay Unifund LLC, XXXX, because they stated they had reached out to me multiple times, in an attempt to collect said debt, but the truth of the matter is I was unaware that Unifund LLC, even existed much less I owed them money! In the reply to my first complaint a representative states that " I insinuated they had not served me a summons '', that is not what I referred to, instead I was referring to the fact I had not been informed of a debt they were trying to collect prior to them taking legal action. Without properly being informed I was unable to make any accommodations, review any of the alleged information, or even speak to Unifund LLC, about what was going on. Every letter they sent from Unifund LLC, has previous addresses on them which made it impossible to be aware of what was being alleged, or sought after. All the documents I reviewed from Unifund LLC, either has XXXX XXXX XXXX on it, or XXXX XXXX XXXX on it. Also in the provided documents it shows the " debt '' to be sold on XXXX which is just a little less than a year, that I had been living in my current residence, as I had moved there in XXXX of XXXXXXXX
08/27/2015	Yes	Credit card	Delinquent account	MI 48221	Web
I have had a XXXX XXXX account since XXXX. My account has always been current - as a XXXX studentXXXX and professional. My current balance is {$19000.00}. I was laid off from my job in XXXX, XXXX. I contacted XXXX regarding my job status in XXXX, XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ 97 monthly payments and I would need to pay at least {$190.00} a month going forward. I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. XXXX did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. It is now XXXX and XXXX sold my debt to Unifund CCR , LLC in XXXX, OH. I am still unemployed and they served me court papers recently informing me that Unifund is suing me for approx. {$22000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?
05/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IN 46254	Web
Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). Unifund CCR , LLC. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Unifund CCR , LLC. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692e ( 2-A ). 4 ) 15 USC 1692g. 5 ) 15 USC 1692a. 6 ) 15 USC 1692e ( 5 ). 7 ) 15 USC 1692b ( 2 ). Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692c ( B ). 4 ) 15 USC 1692c ( A ). 5 ) 15 USC 1692b ( 2 ). Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.
06/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web	Older American
XXXX, XXXX XXXX XXXX got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. XXXX & XXXX claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of Unifund, nor have I ever been served with a Subpoena to appear in court. Unifund hired XXXX, XXXX XXXX XXXX a debt collector, I don't know when. I'm guessing in XXXX. XXXX & XXXX say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX XXXX & XXXX have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from XXXX, XXXX XXXX XXXX. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.
10/01/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 452XX	Web
Hello, I do not recognize the company who is suing me. I do not owe them any money. Someone named XXXX XXXX has tried numerous times to sue me for a debt he bought over 10 years ago. I am not sure if this is the same person. I have not received any court documents. The first I am hearing of this latest law suit is today when the company took {$2200.00} from my checking account leaving me with very little money to pay my bills. It is this same person who was eventually sued by someone else and he had to stop trying to collect from people. He is trying to ruin my credit and my finances. The company Unifund CCR , LLC, XXXX XXXX XXXX, XXXX, OH XXXX is the company that sued me. They can not legally sue me for a debt that I did not take out with them and that is over at least 10 years old, perhaps 13 years old. I need him to stop once and for all. The garnishment was dismissed on XX/XX/XXXX. Five years later on XX/XX/XXXX, a certificate of judgement was filed. Almost 3 years later, an aid of execution was filed by the garnishee. It indicates that I was served on XX/XX/XXXX. I never received anything. I moved over a year ago by then but the XXXX County Clerk of Courts says that I received. On XX/XX/XXXX, it indicates the answer of garnishee was filed. I was not privy to that either. On XX/XX/XXXX, the garnishee contacted my bank to take my money. I still have not received any mail. The company or the clerk of courts in XXXX County Ohio can produce any documents stating that I signed anything acknowledging receipt.
08/12/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80817	Web
According to XXXX XXXX XXXX who represent Unifund CCR, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked XXXX XXXX XXXX to show me the form where i signed for this account. Nothing was produced. If i understood XXXX XXXX XXXX they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX. the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt XXXX XXXX XXXX or Unifund had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from Unifund it states that I do not make enough money to garnish. In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
06/06/2021	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 32940	Web
Unifund CCR LLC bought this debt from XXXX XXXX XXXX XXXX. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the XXXX XXXX XXXX phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for XXXX, XXXX and XXXX. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.
08/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91403	Web
I had a XXXX XXXX XXXX XXXX and I was having issues logging into my online account to pay. I did not pay for 3 months and my debt was brought into collections. The collections company I was dealing with was called XXXX XXXX and XXXX XXXX. I was unable to pay the full amount they requested at the time to settle the debt so the person I was dealing with said I can setup a direct deposit with them for {$100.00} a month to settle my debt. I have copies of XXXX consecutive checks each w/ the amount of {$100.00} issued and paid to XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and ending on XX/XX/XXXX. A total amount of {$900.00}. XXXX setup an auto pay to settle the debt and when they stopped automatically collecting from my bank account I thought the issue was resolved. I later find that a new collection company called Unifund LLC has placed a collection and derogatory remark on my credit report for the amount of {$1500.00} which I believe was similar to the amount I originally owed to XXXX XXXX and XXXX XXXX. I am trying to purchase my first home so I need this to be resolved on my credit report, also I do not see how it is legal and not fraudulent for another company to take over my debt and for the amount to reset after all the payments I have made. This is negatively impacting my credit and decreasing my chances of purchasing my first home. I really hope this can be resolved so I can move on w/ fixing my credit and purchasing my first home.
12/07/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 90045	Web
I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. UNIFUND ownes this debt. XXXX XXXX XXXX calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XXXX. RThey sent me a settlement that they did NOT SIGN, amountb too high. They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33025	Web
I want to ask the CFPB to open an investigation, so Unifund LLC does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am going through a very stressful time with Unifund. I filed an arbitration case against this company, who is reporting the account involved in this matter. Unifund has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor XXXX. The case I filed is based on several violations that Unifund has committed : excessive phone calls, unfair and deceptive business practices, and collecting on account with fraudulent charges account. I was called excessively by creditors and Ive kept on getting calls and letters despite my telling them to stop communicating. In addition, the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. Now the XXXX XXXX XXXX tells me that Unifund is out of compliance with them and failed to comply with the XXXX policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Unifund will now be upheld. I have lost significant sleep and peace of mind over this issue for several months, as my entire financial life has come to a halt due to this.
11/12/2020	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	CA 90045	Web
I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement. PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. Thank you! Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO XXXX XXXX XXXX AS WELL AS TO UNIFUND ( so UNIFUND can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )
03/22/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 96002	Web	Servicemember
I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.
03/08/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 787XX	Web	Older American
This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.
05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77571	Web
XXXX COUNTY REPORTING A FALSE DEBT COLLECTIONS THAT NEEDS TO BE REMOVED BY THE COURTS Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past du FTC VIOLATIONS The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] COMPANIES INVOLVED : : : : UNIFUND CCR PARTNERS XXXX XXXXXXXX XXXX XXXX XXXX
03/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 315XX	Web	Older American
I had several phone calls latter part of 2018 about a credit card balance. I told collector each time that did not or ever have an account with the credit card company and that it was not my debt. They tried to cajole me to then identify whose it was but I stated it was not me responsibility to assist in that effort. Then in XXXX I got a certified letter from attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX instructing me to pay them and insinuating legal action if I did not.I call their firm and told the answerer that they hand made an error. I sent a certified response again telling them it was not my debt that I never had any dealings with the credit card company or the debt collector. I did not ask for any support documents but they replied with copies of account statements and those statements clearly show the account holder being a different address, different birthday, and I assume a different phone. It is clearly not me. Then on XX/XX/XXXX these people filed suit against me in Magistrate court for the debt. They have ignored my repeated attempts to clear this up. It is obvious and immediately evident that it is not my debt. I suspect they used the roughshod tactics to intimidate me into paying others debt. I intend to counter sue them for possible credit rating issues, defamation, and stress and aggrivation.
07/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 49505	Web
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from First Resolution Investment Co for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called First Resolution Investment who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
01/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11210	Web
I am writing this letter in regard to an issue that has presented itself. I had an outstanding balance on a XXXX XXXX credit card account about 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to have record ), XXXX XXXX set up automatic payment on their end which were completed and terminated by XXXX XXXX when settlement amount was reached in XXXX 2017. Approximately few weeks ago I received a letter from a debt collector stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call them bank and they refused to speak with me -- stating that my account was sold to debt collectors and I have to speak with them, I am a single mother and feel like I am stuck in-between because of a mistake made by XXXX XXXX. I obtained proof of all payments from my bank and sent them to debt collectors and according to them they contacted XXXX XXXX twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00} instead {$93.00} '', when I explained it was set up on their end then they answered on 2nd request from debt collectors that they never even settled this account and I was just paying toward my balance.
05/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07008	Web
on XX/XX/XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX , new jersey XXXX Phone number XXXX , filed case against me case number XXXX XXXX in XXXX county on beh alf of UNIFUND CCR, addr ess XXXX XXXX XXXX XXXX OH XXXX phone number XXXX , which was dismissed on XX/XX/XXXX b ut till today 's date XX/XX/XXXX there is a judgement showing on my credit report by Unifund when I call Unifund th ey told me to call XXXX XXXX XXXX . when I call XXXX XXXX XXXX they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me XXXX XXXX XXXX they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my XXXX credit report showing that XXXX check my report on XX/XX/XXXX I ha ve the proof if u want I can submit them to I think this is a fraud. unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
09/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 078XX	Web
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and XXXX XXXX XXXX objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.
11/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. UNIFUND CCR {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX XXXX My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
11/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 323XX	Web
RE : UNIFUND unfair collection lawsuit UNIFUND is suing me over debt I'm not even sure that I owe. They never provided complete documentation despite my stating that I don't have it in the pretrial mediation. Also, I am a widow who supports a minor child with social security survivor 's benefits. During this year, I also received some unemployment payments from a part-time job. I understand that both are automatically exempt from collection. That is the mainstay of my financial support for my child. I do have a part-time job, too, but, under Florida law, I am exempt from any collections of that as I am the wage earner for a minor child. It is my understanding that either is not subject to garnishment and I do not own any real estate or extraordinary assets. Further, by the time my minor child turns 18 and is no longer covered by the Florida wage exemption law, the debt will then have fallen out of the statute of limitations for collection. THEY ARE WELL AWARE OF ALL OF THIS. I have informed UNIFUND 's Compliance Officer, XXXX XXXX, and their attorney ( XX/XX/XXXXand XXXX of XXXX, Florida ), however, they persist in suing me over it and my case is now set for trial in XXXX. I have reached out to attorneys to defend me, but have yet to get representation.
11/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : XXXX. UNIFUND XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
10/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web	Older American
Unifund CCR Partners allege that I owe XXXX from over 20 years ago, though XXXX has never had an account in my name ... Ever. XXXX NEVER contacted me and one would think that for this amount of money, they would have. Now that I am trying to sell our home, all of a sudden I have a judgement against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. Somehow they managed to have a court approve a judgement without any proof twenty years ago. I was never served any papers, nor contacted in any form. I have bought and sold threXXXX houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. Unifund CCR has an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. P.S. In yesterday 's mail, I received an offer from XXXX to open an account, and they will pay me {$200.00} - {$2000.00}. Does that sound as if I owed them money?
10/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	NV 89129	Web
XX/XX/XXXX my car was stolen, in my car I had my check book. Whoever stole my car also wrote bad checks out of that account. I reported this incident with XXXX at that time. The manager of the branch told me everything was taken care of and the account would be closed with out a problem. In XX/XX/XXXX I got served with legal papers saying that I owed that balance plus legal fees. At that time I wanted that problem to go away so I agree to make payments. A few weeks later I lost that job and was unemployed for years. Now I received a garnishment notice directly in my mail. The last time I made a payment was in XX/XX/XXXX. For what I understood there was a statue of limitation that protected me against being garnished at this point. The other reason I 'm filing a complaint is because the garnishment is already in process but I was never physically served paper or contacted to agree of the debt. I do n't think it 's fair to have to pay all the attorney fees for a balance that should n't even be owed in the first place. It took years after the incident with XXXX until I found out of the mess it caused. At the time the branch where I went to submit my proof of fraud was already closed.
12/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91910	Web
I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. banks like XXXX, XXXX etc. XXXX sold my name and all my personal information to Unifund. I NEVER HAD AN ACCOUNT WITH XXXX. I called XXXX they could not find anything with my social security in their system. I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. Nothing with XXXX in my entire life. Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. Since all this started in XXXX they started garnishing my wages. XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. The Unifund, lawyers office keep their mouth very close. So now I am paying for a bill that I never had, and is not mine. My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX
01/23/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92105	Web
I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!
03/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
I received a letter from two companies, Unifund CCR LLC claiming that they are servicing an alleged debt for another colIection agency by the name of Distressed Asset Portfolio III , LLC. owe them money. This company claims to be servicing an account in my name and that they are the current owner of the account. It appears that these companies are selling accounts. I am in the process of filing a police report. I have heard of companies trying to report consumers to the Internal Revenue Service for unwarranted alleged debts. Please forward this matter to all regulatory agencies involved. I do not know nor do I have any relationship with either of these agencies. I have not given any of my personally identifiable information to either of these companies. Another company XXXX XXXX XXXX XXXX is the first company who said they sold the account to Unifund CCR LLC. I have filed an Affidavit of Identity Theft with the federal Trade Commission. I have not authorized any of these agencies to use my personal information. Please inform me if this is legal since I have no knowledge of who I owe ; how I owe, or if I owe anything at all. Thank you.
10/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92324	Web
A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company XXXX XXXX XXXX XXXX mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with Unifund CCR Partbers A XXXX XXXX XXXX prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....
06/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95125	Web
Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...
02/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 559XX	Web
A company called XXXX XXXX XXXX is trying to sue me for a credit card debt that does not exist. I have contacted XXXX XXXX XXXX on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that XXXX XXXX XXXX is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.
08/23/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	ID 836XX	Web
In 2013 Unifund, XXXX, XXXX debt collector got a judgement against me for debt they had purchased from XXXX. I was never served a summons, never given a chance to defend myself, therefore never attended any court hearings and subsequently I XXXX XXXX received a judgement. Now 10 years I receive a Writ of Execution and bank account garnishments. I am a married man ( XXXX XXXX XXXX ) and can not understand how this can happen to a Citizen of the United States. We can not afford to hire an attorney. Again, I was never served, never notified and never afforded my day in court to challenge the validity of this lawsuit by this debt collector company. I am now learning Unifund CCR , LLC has placed a lien on our property! A quick XXXX search and you easily understand this company is crooked who does not follow rules of civil procedure. Now we are emotionally scared to XXXX and trying our best to figure how to report them stop them, reverse this judgement. I can't even believe a judge would rule in their favor when the defendant is not even present to defend themselves. Give me a break!
02/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92054	Web	Older American
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.
08/02/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	IN 46217	Web
In my phone call to UNIFUND CCR, LLC on XX/XX/2019 at approximately XXXX EST to settle an open lawsuit against me, the UNIFUND CCR , LLC representative stated that the default judgement was being processed. When asked to clarify as I was entitled to 20 days from the date of receipt of the notice before a default judgement would be issued, she repeated the same phrase again. As I am entitled to 20 days from the date of notice to respond to lawsuits before a default judgement is issued, and the date of notice was XX/XX/2019, on the date of the phone call, no default judgment could have been being processed. Therefore, their agent used false or misleading representation and violated the FDCPA. The Federal Debt Collection Practices Act 807 ( 2 ) ( B ) states clearly that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. [ ... ] the following conduct is a violation of this section : the false representation of - [ ... ] the character, amount, or legal status of any debt ''.
04/01/2015	Yes	Credit card	Delinquent account	GA 307XX	Web
After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.
09/15/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 17522	Web
I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.
07/17/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 32168	Web
A company called unifund bought my very old account. They also hired an attorney to sue me for my very old CC or loan .... I really don't know what this account about. It's so old I tried calling three people that I thought were the original creditors because that's what their attorneys told me and they can't find it cuz the account is so old Plus, can't find any information on it. They went to court to freeze my bank account XXXX XXXX & got {$3500.00}. I'm in the middle of going to court for the debt. It was from XXXX. Is now XX/XX/XXXX a judgment was put in XXXX. They tried to collect in XXXX from my old job. XXXX in XXXX. I didn't get any notice, I don't recall owning this account. They went with the legal proceedings in XX/XX/XXXX. I wasn't notified until XX/XX/XXXX ... when I was sent a letter ( after the fact ). I believe the statute of limitations is up I do not recall this account. I asked them for a verification letter on XX/XX/XXXX. I thought they were supposed to give it to me within 5 days? I still have not received it.
10/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web	Servicemember
On XX/XX/XXXXXXXX XXXX XXXX Unifund CCR , LLC, started adding two Collections accounts to all three credit bureaus in response to debts they must have bought from XXXX XXXX XXXX XXXX They backdated the opening of the accounts to XX/XX/XXXXXXXX Unifund has never over the course of the last five years contacted me via phone, mail, or email, regarding their purchase of either of these debts prior to submitting this information to the credit bureaus. These two original debts have been in ongoing disputes over the validity and accuracy. Unifund has also not provided validation of the debts. XXXX has already deleted one Unifund collection account, and all others, to include the original XXXX XXXX debts, are currently in dispute and are being investigated. I believe that Unifund bought debt that was already expired because of the Statute of Limitations in Florida, but is attempting to re-age the debts in their favor. These debts can not be validated by Unifund, and should be removed from the credit bureau reporting.
10/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90045	Web
This is a XXXX XXXX Credit Card Debt from XXXX. I have been trying to settle this debt for over 1 year with UNIFUND ( who owns this debt now ), as well as with XXXX XXXX XXXX ( their lawyer, Mr. XXXX ) - however, UNIFUND says they can not receive payments, because XXXX XXXX XXXX is handling this for them. I was told by UNIFUND to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but XXXX XXXX XXXX, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
01/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30004	Web
Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. We desperately need this forged bill to be taking care of. Please help.
03/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 321XX	Web
Unifund has not informed me. They only informed me of a lawsuit now that they reported to the CFPB. They come up with one letter that they tried to notify me that there was a debt. They have not clarified this debt they have not shown this debt is owed by me. They have not shown original purchase agreement that shows mileage, legal legally owned this debt by my original creditor of XXXX XXXX XXXX, I also request copies and statements from open to close from this account. I want to see proof that they are legally debt collector in my state. I want to see a copy of the bond that shows they legally registered in my state. Want to see a wet signature of XXXX XXXX contract this debt was insured and paid off by XXXX XXXX this debt is closed. Furthermore, XXXX XXXX has arbitration. You can also be paid with notes in negotiable instruments. Simply stating a name and address and a phone number is not clarification of ownership of a debt show me a wet signature that will be clarification by law. Thank you.
09/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11717	Web
The collection agency got a judgement against me dated XX/XX/XXXX for a {>= $1,000,000}. I disputed debt and asked for proof on the phone back with them XXXX. I told them to stop calling me and I haven't heard from them until now. I got a letter on XX/XX/XXXX for pending income execution for {$24000.00} including interest and poundage from the XXXX XXXX Sheriff for this debt that was never validated by the collection agency UNIFUND CCR LLC. I reached out to the Attorney listed and they gave no information and have not called me back XXXX XXXX XXXX XXXX XXXX in XXXX NY ). The XXXX letter states that I have 20 days to respond to them which is XX/XX/XXXX before the demand payments from my job. I spoke to the over the phone and they said they won't do anything before XX/XX/XXXX because the letters weren't mailed right away. I'm fearful that I will get my pay garnished for a something I don't owe this collection agency. Any assistance you can offer would be greatly appreciated '
04/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95125	Web
I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}
11/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89148	Web	Servicemember
I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. XXXX XXXX
02/01/2022	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	NV 89011	Web
I have an account that was with unifund. I was making payments on this account monthly at {$25.00} a month for some reason the payments stopped and i was NEVER notified they stopped. I was reached out to by a company called XXXX XXXX XXXX on their behalf in the state of Florida. I do not live nor have I ever lived in Florida. I was there briefly for a few a months taking care of a family member, the address listed was mistyped and Ive never heard of what they had until I realized what the address should have been. I have since then relocated back to XXXX XXXX. XXXX and XXXX and XXXX both refuse to assist me in making payments on this account. I am trying to get this account resolved once and for all and continue making payments so we can zero this out. I am willing to make monthly payments at a higher amount, offer a settlement etc. but to threaten to sue me in a state I dont live and to refuse to take any payments to sue me is disgusting.
05/17/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11213	Web
As it appears on my credit report there are XXXX accounts that have not been proven to be owed by me. These accounts are shown as : XXXX ) - XXXX XXXX on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX reported on XX/XX/2022 by Unifund XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USXXXX 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.
04/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
I am Im making this complaint for identity theft. I have never given 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 legally refusing to pay this debt pursuant to XXXX USC \|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 they 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 collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
04/20/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. - they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. - I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. - they keep changing the amount I owe and refuse to put the exact amount in writing. - when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. - they threatened to ruin me financially and said they would never stop suing me
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19601	Web
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states 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 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.
11/10/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48091	Web
on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off inXX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory collections on monies they are not owed.
03/29/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92584	Web
A process server from sheriff 's department came to my house and handed me wage garnishment documents asking to garnish wages of my employee. My company ( that I own, registered, and dissolved years ago ) is listed as the employer being ordered to garnish wages to myself as the employee. I have no knowledge of this debt nor did it make sense to be asking my dissolved company to garnish wages from myself. I have never received nor heard of Unifund until receiving this letter. This isn't even showing up in my credit report. I contacted the lawyer representing Unifund ( XXXX XXXX ) and the account representative was not able to locate the amount in question nor did it show there is a wage garnishment in process. The only thing they can see is a debt I had settled years ago where account balance is {$0.00} and is ilisted in good standing with XXXX XXXX when I closed it.
05/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 486XX	Web
I owed a debt to XXXX which handed the debt over to Unifund CCR. Unifund took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from Unifund on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called XXXX to explain what happened by they just directed me to Unifund.
03/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14224	Web
On XX/XX/XXXX, I sent Unifund a letter for VALIDATION of said debt they are reporting on my credit report. The company responds on XXXX XXXX with a verification of debt by some copies of old bills. Upon further research, this by law is not a valid way to validate a debt with the way technology has advanced and anyone could be getting these bills via electronic bills and not paper. So I again sent a letter to Unifund on XX/XX/2019 highlighting I am asking for a VALIDATION of debt, not a verfication. They again sent the same information on XXXX XXXX as the first time which I will enclose on this complaint. I have a right to ask for validation of said debt pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I am asking now you to help me either obtain this validation to said debt or the immediate removal of this debt from my credit report.
06/03/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 47712	Web
Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In XXXX , I was notified that I not only owed the amount previously due ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.
04/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT XXXXX	Web	Older American, Servicemember
This was an attempt to get them to remove their complaint against me on my credit report. I paid them {$510.00} on XX/XX/XXXX, I have talked with them about this, they said they never received any money from me. I emailed a copy of the transaction from my bank, to both companies involved, UNIFUND LLCXXXX XXXX XXXX XXXX XXXX, Oh XXXX, and to XXXX XXXX XXXX XXXX XXXX Subject XXXX. To this date XX/XX/XXXX, it is till on my credit report. I will attach a copy of my bank transaction to this so you can see what I'm talking about. My contact at UNIFUND LLC was XXXX XXXX, Chief Compliance Officer XXXX XXXX XXXX email XXXX, she told me they hadn't received any money and that XXXX was the one incharge of this at XXXX XXXX. I just want it removed from my credit report as I paid it with good intentions that it would be removed.
10/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91744	Web
I received notification from my credit union ( XXXX XXXX XXXX ) dated XX/XX/XXXX that a levy had been served on my account in the amount of {$10000.00} and was debited {$2400.00} from both my checking and savings. They also included a copy of a judgment. I immediately inquired into the judgement and found that the debt owed was from the year XXXX. I was unaware of a balance due from that time nor did I ever receive communication regarding the debt, nor was I ever serveda a subpoena. The Plaintiff/Creditor is listed as XXXX XXXX XXXX who hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. As stated I do not know what this debt is for as it has been 13 years since it was first issued according the to judgment nor do I believe I am liable of this debt. Now I have been debited my year 's savings and need it back urgently.
04/14/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 462XX	Web
Hello! I have a listing from UNIFUND, LLC on my credit report. I have asked for verification of the debt via mail and fax multiple times since XX/XX/XXXX and even from earlier in XXXX with the help of a credit repair company. I have the receipts for the most recent attempt to attach. They have failed to respond to my requests and they continue to report on all of my credit reports. They have failed to provide any proof that I owe this debt - including a signature or written contract. The debt they are claiming that I owe is already listed on my credit report - so they are " double dipping. '' I'm looking for assistance with this company because they fail to respond to reasonable requests to verify that I actually owe a debt to them.
01/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30286	Web
I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
07/17/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11232	Web
Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from XXXX XXXX XXXX XXXX who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to Unifund CCR Partners who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
02/09/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92253	Web
I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a XXXX time payment of {$3200.00}. Doing research I found this is a violation OF the XXXX. according to the guidelines it says that I should be entitled to Damages. I would love to speak with someone about this. Thanks XXXX XXXX
12/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 411XX	Web
I and my family have been contacted multiple times in the past 2-3 weeks by a company called " XXXX XXXX '' from phone number XXXX in an attempt to collect debt which they say I owe them on a XXXX card. The most recent call was today and from a person calling herself " XXXX. '' This debt was settled in XX/XX/2016 with a debt collector named UNIFUND LLC in XXXX County Civil Court Case XXXX. This case was settled out of court between the two parties and dismissed with prejudice. " XXXX XXXX '' has provided no documentation to the effect that they have a right to collect this debt and frequently hang up on me when I ask probing questions as to their legal right to collect this debt.
03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30236	Web
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :
11/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 81401	Web
XX/XX/19 I have attempted to obtain information from XXXX XXXX XXXX about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. XXXX XXXX XXXX claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is Unifund CCR , LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX
04/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19053	Web
UNIFUND DEBT COLLECTION AGENCY SOLD AN ACCOUNT IN YEAR XX/XX/2006 BELONGING TO THE WRONG MAN! A XXXX XXXX XXXX XXXX BANK ACCOUNT!!! THAT WAS NEVER MINE XXXX XXXX. XXXX!! TO A DEBT COLLECTION ATTORNEY BY THE NAME OF A XXXX XXXX XXXX IN XXXX PA!! I AM REQUESTING A LETTER ASAP FROM UNIFUND STATING THEY SOLD THIS ACCOUNT BECAUSE OF THEIR HUGE GINORMOUS ERROR!! I PAID A STEEP HEFTY PRICE OF NEAR {$19000.00}!!! BECAUSE OF THEIR PURE NEGLIGENCE AND CARELESSNESS!! SELLING OF DEBT ACCOUNTS ON A SPREAD SHEET OF NAME SIMILARITIES AND VARIENCES! I HAVE NEVER HAD ANY CREDIT CARD ACCOUNTS IN MY NAME SOLD TO ANY DEBT COLLECTION AGENCIES EVER IN MY LIFE!!
11/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY XXXXX	Web
To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.
02/20/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30127	Web
On XX/XX/2019 I was contacted via phone from # XXXX stating they are an attorneys office and I owe XXXX XXXX. I advised her that I already told several of their reps that the debt was settled with XXXX and that there is no balance remaining as I received a settled in full letter and a XXXX. She got really angry and told me that I was going to be sued and that she did not have to talk to me she would just proceed with suing me and hung up on me. I have dealt with this for many months and just want the calls to stop as the debt has been cleared and I should not be harassed about issues that have been resolved.
04/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VI XXXXX	Web
I do not have any relationship with Unifund and do not want one. This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name. This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB. Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.
06/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33558	Web
I have asked Unifund to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
08/28/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL XXXXX	Web
I used to have a credit card with XXXX XXXX and I felt ripped off and refused to pay and XXXX XXXX dropped me as a client back in XXXX. In XX/XX/XXXX, Unifund had taken control of the debt and they reached out to me via my old mailing address and a phone call. What they decided to do is to hound and harass and serve my father regarding my debt and try to bring me into court by some money hungry law firm which was a total waste of time. Now they got their money but I am still angry and bringing this matter to you because I feel what they did for their greed during a pandemic.
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 990XX	Web
On XXXX XXXX, 2020, UNIFUND CCR LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA UNIFUND CCR LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
09/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 411XX	Web
I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). I can find no record of this company, beyond complaints about it and suspect it is a scam.
07/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 90505	Web	Servicemember
XXXX served an address in XXXX XXXX ca for a debt that I am skeptical belongs to me because I was a victim of identity theft in XXXX. I was not aware of a judgement until they levied almost all of the money in my bank account that almost left me destitute and homeless. The money in the account was XXXX XXXX XXXX XXXX XXXX XXXX for cost of living. I would like to file an official complaint and let you know if theyre illegal practices. I resided at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ca. XXXX when they served a false address in XX/XX/XXXX.
05/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44004	Web
Unifund CCR bought junk debt for less than a couple pennies & am now harassing me non stop on the phone well after 9pm, with mail, and they even showed up at my house looking for me. They claim I owe XXXX to them, when the debt in question was a result of false charges made on my behalf from an ex. I have disputed this with all credit companies & got it properly removed from my credit report in XX/XX/XXXX. Now its XX/XX/XXXXand a company wants money from me on a debt that isnt even mine. They are trying to sue me over this false debt! Sharks
08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46143	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33613	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
12/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WA 982XX	Web
On XX/XX/XXXX I believe I sent a letter disputing the validity of a debt due to my wallet being stolen and I was a victim of identity theft. I sent the letter to distressed assist portfolio about a XXXX XXXX credit card in fact XXXX XXXX had even called me at one point to tell my my account was compromised this was like 2 years ago I thought I had handled it until this collector reached out to me. There response to my letter was to send my bills that the fraudster charged up and tell me I have 10 days to pay it.
05/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 411XX	Web
I received threatening communication from a company calling themselves XXXX XXXX, phone number and address provided below : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX \| Fax : XXXX Web : XXXX XXXX XXXX This was in regards to a debt they claim that I owe to XXXX. This is the same debt that was settled in a previous case with a debt collector in Ohio, Unifund CCR, LLC, in a case dismissed WITH prejudice. XXXX XXXX and specifically their representative XXXX XXXX ( XXXX ) insist that I owe this debt.
10/17/2022	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 Was not notified of investigation status or results	TN 37013	Web
XX/XX/2022 Unifund CCR LLC Collection account with a past due balance of {$1400.00} was removed from my credit report as I requested pursuant to the FCRA requirements. XX/XX/XXXX, the collection account was reinserted on my consumer report. It's now XXXX and I was not notified in writing within 5 business days, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also I never gave this agency written consent to add this collection to my consumer report.
01/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 321XX	Web
Never one letter from unifund XXXX XXXX nor have I ever had a card XXXX XXXX. Identity was stolen in 2015. I never pursued it. It was of XXXX and XXXX. I was notified by XXXX by email and phone call. And I never new I had 3 cards in my name. Until they showed up on my credit report. I dispute them on XXXX and get denied because of my name in my social. So now Im being sued by XXXX XXXX and all they have to show who I am on. The credit report is the last four digits of the credit card in my name.
05/15/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30350	Web
I remember applying for a XXXX XXXX credit card in store, but due to me moving a lot & living from person to person. I never received a credit card from them. And today I received a paper from the courts saying that I owe money to a account that I never knew about. Not sure what to do, I believe someone is using that credit card in Florida to buy things. And I am currently in Georgia not Florida for the last few years. Need help resolving, please & thank you! Claim is for {$560.00}
06/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 853XX	Web
My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.
04/28/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	DE 19966	Web
I received notice on my job about a wage garnishment. However, I was not notified of a court hearing. This debt is on a credit card which I have not made any payments for over 10 years which far exceed the statue limitation on a debt in the state of Delaware. I have lived at my present address for over 8 years. I was not contacted over this time period. Nor did I make any payments. I was not notified where to send money. I do not remember having an account with this company.
08/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 852XX	Web
I been sued from Unifund CCR , LLC, .. on very very old debt dated back XXXX total 23 years, after periodically requested the validity of the debt. No proof or validation of debt was ever given to me, No proof of authority to collect a debt was ever given to me, No accounting of the debt was ever provided, and No account has ever existed between my self and Unifund CCR , LLC, ... as they claim. Attached is a copy of the request letter dated XX/XX/XXXX XX/XX/XXXX
10/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91401	Web
There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, 2017. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.
06/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85306	Web	Servicemember
I have a garnishment from the company Unifund, CCR,, LLC and XXXX XXXX XXXX that I was never served any paperwork for nor even given a chance to respond. They have never attempted to contact me nor given me an opportunity to dispute this debt or resolve. They just keep filing motions without serving me which has now caused me extreme hardship seeing that I already pay $ XXXX month in child support and carry health insurance for my youngest daughter.
12/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28086	Web
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices
04/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ XXXXX	Web
Victim Id form summited multiple times. I have multiple Signature confirmation receipts from letter sent. This account was opened without my knowledge. Under a false name XXXX XXXX and false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I had contacted XXXX & XXXX and they have deleted this collection company from my reports, but XXXX just keeps this fraud Collection on my report after multiple letters and corespondent to delete.
09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
Unifund llc is reporting a debt that they must have bought from another company and was not aware that this debt was removed from any reporting under my name as this acct was opened as fraudulent under my name. This acct is not mine and that's why it was removed prior. Now unifund purchased this debt and it is un lawfully reporting as collections .. please remove immediately I have also sent the company a letter and copy of ftc report.
05/07/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MA 025XX	Web
Please see case XXXX feedback Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS I need your help.. I contacted XXXX XXXX XXXX and they told me that they cant give me any information. but now I got a letter that they issued me a triple seal judgement. please can you help me resolve this case. thanks in advance Sincerely XXXX XXXX XXXX. Thanks in advance
02/17/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 34771	Web
I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
05/11/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 34207	Web
As of XX/XX/2021 Unifund has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am XXXX only and receive food stamps based on the XXXX income.
04/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92880	Web
Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
10/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 852XX	Web
I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from XXXX XXXX XXXX According to the representative is ran by XXXX XXXX and XXXX XXXX. Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.
06/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07018	Web
I dispute this amount sought and debt in the entirety. XXXX and XXXX has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. XXXX and XXXX can not validate the debt that they are suing me for
05/24/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 34986	Web
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70126	Web
This collection was reported TWICE on my account. I went from having no collections to one popping up. the information is incorrect and the dates are all over the place! XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Closed. {$310.00} written off. UNIFUND CCR LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
03/20/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IN 469XX	Web
I received documentation that I have been sued in a court of law for a debt I didn't incur and have no knowledge of whatsoever. It is my name, my address however I don't have credit cards nor have I had credit cards. I was out of state for the winter and came back to this. I want to know where were the statements mailed for this because this is the first time I ever heard about this debt.
11/30/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32566	Web	Servicemember
XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.
11/30/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85050	Web
Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.
01/31/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07601	Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since XX/XX/XXXX, Unifund CCR has illegally attempted to collect a credit card debt that was never verified nor presented with a contract. I have asked Unifund on several occasions to verify debt that was never done. Now, they filed a lawsuit seeking judgment without verification or proper notice under state ad federal laws. Concerned customer
05/27/2020	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 77571	Web
The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. PUT A LIEN ON PROPERTY ON A VERYYYYYYYYYYY OLD DEBTTTTTTTTT!!!!!!!!!!!!!!!!!! FTC VIOLATIONS
08/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78250	Web
A judgement was made and awarded to Unifund CCR LLC, {$2200.00} plus {$750.00} in lawyer fees, & XXXX % per annum from XX/XX/2017 until paid. This happen without any proper notification of the lawsuit, as any documents were sent to a previous address. The only way I was notified of the situation is when Justice Court Precinct 2, mailed a summons to my current address.
05/24/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28262	Web
this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter
09/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 374XX	Web
This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.
06/06/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	TN 37415	Web
This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems
09/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60628	Web
A paper was left in door in XX/XX/XXXX regarding a judgement dated XX/XX/XXXX and the paper indicated it would revive judgement. But I did not open any accounts and was not aware of any judgement. I was told by company that it did not matter because the judgement was already entered and that they could collect any amount listed plus interest.
11/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91405	Web
Hello, a collection was added to my credit report dated XX/XX/XXXX from XXXX XXXX XXXX. I personally have not had a single account since XXXX which leads me to believe this is identity theft. Tried to file a police report but no success, they denied. Please advise, not able to get vehicle finance because of this problem. Thank you
03/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30214	Web	Servicemember
It is reported that I owe {$430.00} which is an open balance on my credit report. I have never received any communication from the debt collector, nor has this debt been validated. Not sure how this debt can be an open account that is reported monthly. I would like this removed from my consumer report as it has been false reporting
03/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 439XX	Web
I had my wages garnished for a credit card debt that was bought by Unifund. The total amount was sent to my employer and was completed in XXXXXXXX XXXX XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
08/27/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 478XX	Web
I owed XXXX a credit card debt that has been charged off in XX/XX/2015 and a debt collection company UNIFUND CCR LLC has taken over debt and has filed in court a case to collect debt, which the original debt belonged to XXXX and now there trying to sue me I think thats not right since it was charged off please advise thank you
11/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28054	Web
Debt collection agency sent a 1099C to the IRS. When attempting to contact said agency to request " proof of debt. '' They informed me that the " Statute Of Limitations in North Carolina '' has passed, and they could not provide any proof of debt. Now, I owe the IRS taxes on cancellation of debt, in which I have NO PROOF of.
07/11/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32218	Web	Servicemember
The credit agency still have not sent a letter to my home to update account as paid in full. The agency coded the account as a XXXX balance/ charge off on all credit bureau. The account was in fact paid in full. The agency will not report correct information on my credit report. I have screenshot proof to support my claim
06/20/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web	Servicemember
the account was paid in full XXXX to collection agency. The account is still stating that it is past due/unpaid on my credit report. I called the collection agency about the situation and they are very rude and disrespectful to clients. I requested for a paid in full letter and a request to update my credit report.
09/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 377XX	Web
Sent the settlement offer to the complaint, which they agreed too. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Part of the agreement to the settlement was to discontinue legal action. This has not been done. Case is up for adjudication Monday, XX/XX/2023 in the XXXX XXXX XXXX a XXXX XXXX XXXX No. XXXX.
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 774XX	Web
These items do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX
05/25/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94124	Web
In XX/XX/2018 or XX/XX/2018 I enrolled online classes thru XXXX XXXX. I was looking in my student portal and I noticed that there was amounts of money coming from me to the school. Then I see where their refunded to the school. And apparently I owe the school {$27000.00} around there.
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	TN 374XX	Web
This company has put a judgement on my property located at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Judgement is XXXX XXXX COUNTY XXXX XXXX FOR XXXX. It have disputed this information for seven years now and have even put a case in with the state. Please have it removed from my file.
08/26/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92804	Web
beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA XXXXX	Web
I recently filed a complaint against XXXX XXXX about an inaccurate information on my report, they responded by saying that account was sold to Unifund. address : XXXX XXXX XXXX XXXX, OH XXXX XXXX Since then they've not been involved in reporting the negative information.
11/07/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CO 80831	Web
I have XXXX different men show up at my residence harassing me after business hours. The nights of XXXX/XXXX/2015 and XXXX/XXXX/2015. They have both attempted to " serve '' me with fake court documents that were not sealed or delivered properly.
04/12/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 28081	Web	Older American
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?
03/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web
XX/XX/2023 unifund llc garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX Kansas
04/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 91324	Web
Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification
08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10031	Web
I recently applied for a mortgage and I was told that a judgement was filed under my name for a XXXX account that was opened under my name in 2015. I have never had a XXXX account in my life. Someone must be using my information.
09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75219	Web
I did not have a XXXX XXXX XXXX. I have no clue why this is being reported on my credit report. I was researching mortgage rates and applied for a mortgage and a few days later this account was added to my credit reports.
09/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19063	Web	Older American
Unfunded keeps reporting me to credit report agency 's for a debt that isint mine. Reported XX/XX/, amount XXXX, continues to try & collect after being told to stop multiple times. Has no proof of debt belonging to me.
10/05/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 117XX	Web
Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 448XX	Web
I made multiple disputes to the major credit bureaus about an account from a company called Unifund LLC. XXXX refuses to remove this account while the others have removed it. This account is not mine.
11/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 299XX	Web
I received a debt collector letter for XXXX XXXX. Ive never applied for a credit card from them. I did had identity theft happen to me years ago that ruined my credit and all. Im in need of help
03/07/2019	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 60047	Web
Its not a valid debt and Ive requested them to validate it but they have not and they have been calling my coworkers and discussing this debt with them. I want it removed from my credit report
11/20/2021	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	AR 72761	Web
XXXX sold debt to unifund ccr and has colluted with XXXX XXXX and still is reporting om my XXXX credit report this account is XXXX ols and transunion is blocking access for updates
08/09/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30035	Web
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.
11/16/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	WI 53218	Web
This company i haven't heard of was trying to figure out how i owe this company, and why it's on my credit report.Also, the amount is {$520.00} of the date of XXXX XXXX
04/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
I received a letter from Distressed Asset Portfolio III , LLC on XX/XX/2018 stating that I owe them a debt that they purchased and they are not licensed in my state.
01/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	KY 411XX	Web
Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable
10/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 71901	Web
I have a debt on my credit report for {$510.00} that is n't mine. I have no knowledge of this account or this company for that matter.
12/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA XXXXX	Web	Older American, Servicemember
I searched the XXXX XXXX dockets and found this case filed against me last year. I don't know who these people are even
03/09/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90703	Web
On XX/XX/XXXXXXXX my back account when I filed bankruptcy in XX/XX/XXXX.
06/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 33411	Web
Unifund can Not validate the lien they put on property
01/25/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43040	Web

01/25/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 130XX	Web

01/11/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 13440	Web

12/20/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	OH 45331	Web

12/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30909	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 70570	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80018	Web

12/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91206	Web

11/14/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60620	Web

10/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WA 98108	Web

10/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web

10/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30135	Web

10/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28431	Web

10/16/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30214	Phone	Servicemember

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94531	Web

10/13/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OK 73505	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web

10/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91304	Web

10/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60104	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 44843	Web

09/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40977	Web

08/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78754	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76140	Web

07/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60490	Web	Older American

07/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 22572	Web

07/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60406	Web

07/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32244	Phone	Older American

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30350	Web

07/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11003	Web

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 65613	Phone

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30339	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web

05/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11743	Web

05/16/2023	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	NY 11223	Web

05/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TX 78725	Web

05/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Phone	Servicemember

04/16/2023	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 Investigation took more than 30 days	MD 20877	Web

04/13/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 95757	Phone	Older American

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19136	Web

04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19901	Web

04/09/2023	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 Investigation took more than 30 days	GA 30350	Web

03/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77006	Web

03/04/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19033	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48601	Web

02/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30324	Web

01/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 44109	Web

12/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33570	Web

06/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11377	Phone

06/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37604	Phone

05/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34653	Phone	Older American

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94595	Web

04/10/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 15425	Web

01/18/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75002	Web	Servicemember

01/07/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 45208	Phone

12/28/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32071	Phone	Older American

12/16/2021	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	GA 30281	Web

10/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NV 89149	Web

10/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45133	Web

08/02/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 44129	Web	Servicemember

07/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 96001	Phone

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28655	Web	Servicemember

04/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 34207	Web

12/09/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	VA 23321	Web

11/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60637	Web

11/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11379	Web

11/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73162	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31525	Referral

11/06/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IA 50266	Phone	Older American, Servicemember

11/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 38850	Phone

10/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

10/08/2020	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	IN 46545	Web

09/25/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls		Phone

09/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32129	Postal mail

09/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78738	Web

09/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 74014	Web

09/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 74014	Web

08/12/2020	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	TX 77449	Web

08/11/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	PA 19053	Phone

08/09/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 46151	Web

08/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48084	Postal mail

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

07/25/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	OH 43147	Web

07/12/2020	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	NY 11420	Web

06/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48203	Referral

06/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70005	Web	Servicemember

05/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73162	Web

04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AE 09096	Web	Servicemember

04/22/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AE 09096	Web	Servicemember

04/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90057	Phone

03/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33702	Phone

03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 65202	Web	Servicemember

02/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 65202	Web	Servicemember

01/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt		Phone

01/17/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10468	Referral

01/12/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60940	Web

12/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91335	Web

12/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	PA 19143	Phone

11/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CO 80108	Web

09/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73086	Referral

09/03/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 91335	Web

08/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70122	Web

08/08/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89123	Web

08/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89166	Referral

07/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11234	Web

07/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

07/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33010	Web

06/18/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 63376	Web

06/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11236	Fax

06/01/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH 44121	Web

05/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 86351	Postal mail

05/23/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33634	Web

05/07/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95490	Web	Older American

05/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98055	Referral

04/18/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DE 19933	Web

04/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33403	Web

04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77065	Web

04/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	RI 02879	Web

04/03/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95123	Fax

03/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60567	Referral

02/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Postal mail

02/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

02/19/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 20852	Phone

01/30/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30093	Phone

12/20/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33331	Web

12/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17057	Postal mail

11/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 49546	Web

11/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17057	Postal mail

10/29/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85016	Phone

10/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	RI 02896	Web

10/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Fax

08/03/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23222	Web

07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32738	Postal mail

07/11/2018	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	TX 77396	Web	Older American

03/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

02/07/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33331	Web

02/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94513	Web

01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33144	Postal mail

01/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91306	Web	Servicemember

01/04/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02128	Web

11/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78634	Web

11/07/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 95123	Fax

11/06/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 08035	Web

11/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78006	Web

10/23/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46107	Web	Servicemember

10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60612	Web

04/18/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 90024	Phone	Older American, Servicemember

03/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27597	Web

02/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MA 01832	Web

12/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OK 73071	Web

12/06/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27610	Web

11/07/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	NY 11221	Phone

10/08/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98225	Web

09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 62025	Fax

09/09/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	LA 70360	Postal mail

08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78667	Postal mail

08/18/2016	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	NY 10977	Web

08/03/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TN 38115	Web

05/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 32937	Referral

04/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 92562	Web

04/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64089	Web

03/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	HI 96792	Web

03/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 19380	Web

02/26/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75087	Web

01/27/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NV 89032	Phone

01/05/2016	Yes	Credit card	Other	AZ 85331	Web

11/06/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 28078	Web

10/22/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	MI 48503	Web

09/23/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 60445	Web

09/12/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 94538	Web

08/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60656	Web

08/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10451	Postal mail	Older American

08/12/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 92881	Web

08/07/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33025	Web

07/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30331	Phone	Older American

06/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91324	Web

06/17/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 32259	Web	Servicemember

06/01/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30342	Phone	Older American

05/31/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30127	Web

05/12/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30331	Web

05/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33647	Web	Servicemember

04/07/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 93021	Postal mail

04/01/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 93727	Fax

03/16/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91770	Phone

02/25/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	UT 84057	Web

02/24/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 92804	Web

02/21/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	NV 89015	Web

01/27/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 92407	Postal mail

01/24/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 91331	Web

01/13/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CA 95119	Web

01/08/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48227	Referral

12/30/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60031	Web

12/08/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NV 89002	Web	Older American

12/06/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92352	Web

12/01/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	DE 19808	Web	Older American

11/03/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 48328	Web

10/27/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IN 47516	Web	Servicemember

10/13/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 33133	Web

10/08/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	DE 19711	Web

09/28/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 77449	Web

09/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91767	Web

08/26/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30251	Web	Servicemember

08/21/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TN 37909	Web

07/31/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 43620	Postal mail

07/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 90502	Web

07/30/2014	Yes	Credit card	Other	AZ 85024	Web	Older American

07/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30707	Web

07/17/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 33542	Web	Servicemember

07/14/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OH 44136	Web

07/14/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	WA 98370	Web

07/13/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MO 63559	Web

07/10/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WA 98258	Web

07/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44507	Web	Older American

07/07/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92336	Web

06/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33065	Phone

06/23/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WV 25143	Web	Older American, Servicemember

06/19/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	UT 84128	Web

06/16/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92618	Phone

06/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32805	Postal mail

05/09/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91977	Web

05/03/2014	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	CA 92880	Web

04/21/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11716	Web

04/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 44011	Web

04/12/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97701	Web

04/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	IL 62062	Web

03/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30707	Web

03/18/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07724	Referral

03/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32092	Postal mail

03/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93611	Web

03/10/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30291	Web

02/14/2014	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94302	Web

02/09/2014	No	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 31008	Web

01/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 44023	Web

01/12/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30318	Web

01/10/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OH 44028	Web

11/25/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07764	Web

11/14/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	LA 70791	Web

11/12/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	WA 98012	Web

11/03/2013	No	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	GA 30238	Web

10/28/2013	Yes	Credit card	Credit card protection / Debt protection	MT 59808	Web	Older American

09/21/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 30101	Web

09/17/2013	Yes	Credit reporting	Incorrect information on credit report Public record	NY 11428	Web

09/11/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32208	Web

08/26/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 34711	Web	Older American

08/10/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37130	Referral

08/06/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91307	Web

07/17/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98032	Web