Credit Counsel, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/05/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80123	Web	Older American
Below please find a day by day, item by item detail of my complaint against XXXXXXXX XXXX : Wed XXXX XXXX- I was informed by my eye specialist that I required emergency retina XXXX the following day. I was also informed that my recovery would require me laying face down XXXX for 5 days, allowing for a short XXXX minute break each hour. To accommodate this requirement, I was referred to XXXX XXXX for medical equipment rental. I phoned the company that afternoon at XXXX to order the rental. I was told the price would be {$120.00} for a week rental, but that it would not be delivered until Friday XX/XX/XXXX. I hesitated to place the order since I would only have use of the equipment for XXXX of the XXXX nights I would need it, but decided to go ahead and place the order. I was informed that I would receive a confirmation email, which never occurred. Thu XX/XX/XXXX - XXXX was performed and I was sent home with a specialized foam pillow that accommodated the face down positioning, although with much discomfort. Fri XX/XX/XXXX- I checked my front porch nearly every hour or two until going to bed around XXXX p.m., but the equipment was never delivered. Sat XX/XX/XXXX - XXXX equipment was delivered this morning, but now that I only had XXXX days of usage left, I called the company to let them know it was delivered a day late to see what they might be able to do for me. I spoke to XXXX who stated that they did not guarantee deliveries and their policy was absolutely no refunds. I asked to speak to a manager, but was told I would need to call back the upcoming week, as no managers were available. My family member who was assisting in my care, opened the box to see what the equipment was like, as I had just spent two miserable nights not being able to sleep comfortably, and thought I would see how much difference it made in comfort not only for the nighttime, but accommodating a somewhat upright position during the day to facilitate reading. I also needed to retrieve the return address label that was inside the box. Upon removing the equipment from the box, it was immediately noticed that one of the knobs used to adjust the equipment to my body frame was broken and unusable. Please note there was no bubble wrap or other protective materials in the box. In addition, the " instructions '' that came with the unit were illegible photocopies, with nearly blacked out diagrams. There was no identifying information for all the different adjustment points ( such as numbering the adjustment unit along with a corresponding number in the diagrams, which again were almost blacked out and illegible ). Between the broken knob which prohibited adjusting the equipment properly to fit me, and not having adequate instructions, we determined I would not be able to use the equipment at all. Since the customer rep at XXXX XXXX had not been helpful on the earlier call, I submitted a dispute with my credit card company and received a temporary credit. Tue XX/XX/XXXX - XXXX phoned the company back and asked to speak to a manager. XXXX answered again and said she could help me, even though she had told me on Saturday she was not a manager. I again asked to speak to a manager and was transferred to XXXX. I told her about the late delivery, broken nut, illegible instructions and the fact that I had never received an email confirmation when I submitted the order. She insisted that they had proof of delivery for Friday, but when I asked for her to email me a copy of that, it never came. I asked for her to send me the confirmation email which she also insisted had been sent, as I wanted to see the day and time it was sent. Again, this was never provided to me. She did send me a rental agreement, which of course I had not received prior to this, and had never signed. I requested a refund since I was unable to adequately use the equipment, but was told the owner was the only person who could approve that, and that he was unavailable. I asked for his name and contact information but she refused to supply that. I asked for her to provide my contact information to the owner for when he was available, but never heard from him. After the end of our conversation I sent an email with photos of the broken nut, illegible instructions, and again asked that the owner contact me at the phone # I provided. Again, I never heard from him. Thu XX/XX/XXXX- as instructed in the box 's paperwork, I called once again and informed XXXX that the equipment would be shipped back on Friday XX/XX/XXXX as required. Fri XX/XX/XXXX - Unit was shipped back via XXXX label provided by company. Thu XX/XX/XXXX- I received an email from the company with an invoice dated XX/XX/21 for the {$120.00}, along with an additional {$30.00} Administration fee, line item dated XX/XX/21. No mention of any kind of Administration fee is included in the rental agreement. Mon XX/XX/XXXX- I updated my dispute with my credit card company to add the issues with not receiving proof of XXXX delivery date, receiving unsigned rental agreement, {$30.00} Admin fee and the owner not being accessible. Fri XX/XX/XXXX - Received collection letter dated XX/XX/21 for {$170.00} from Credit Counsel , IncXXXX No documentation was included to explain how the original amount went from {$120.00}, to {$150.00} to {$170.00}. I advised my credit card company of this and was told they had not yet received a response from the company regarding the dispute, but that they have until XX/XX/21 to do so. The collection letter states I have 30 days to respond, however I would like guidance if possible on what I should or should not do with them. Thank you for your assistance,
10/30/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AL 363XX	Web
XX/XX/2023 XXXX XXXX calls me and tells me he is the Attorney for XXXX XXXX. I informed him i am not paying another XXXX to XXXX XXXX because they lost all my mother in laws things and almost XXXX on her. He asks if i filed a complaint, i tell him yes and he tells me he has her files and there is no complaint in her files. We exchange some more words and i hang up on him. XX/XX/2023 XXXX XXXX calls me and leaves me a message stating that because i hung upon him that i must be feeling a sense of responsibility and that's why i am so defensive, and that the matter should of been resolved a year ago and that i am failing miserably.Tells me to get a lawyer to help me and that me being rude and obnoxious isnt gon na make it go away. XX/XX/2023 calls and leaves me a message saying that this is his final call and that he is going to have to move forward legally tomorrow the XXXX XX/XX/2023 XXXX XXXX calls me saying he doesnt understand why i hung up on him. I did what i did and I don't need him to tell me what i did and that i need to spend more time and energy on something more productive like making money so we could get something arranged. He tells me every time he talks to me my story changes, they stole her jewlery to they almost XXXX her to now you wan na make payments, now you wan na make complaints, its a whirlwind with you. youve been in my office for 2 months and havent made a payment. Telling me the situation ive created isnt pleasant. Waiting for me to put my energy into something more productive like getting these poor people compensated. XX/XX/2023 XXXX XXXX leaves me another message pretty much telling me he is gon na take me to court and that he got the notice from me filing a complaint. XX/XX/2023 XXXX XXXX calls me again XX/XX/2023 XXXX XXXX calls me again, stating its been over a year and that i have failed miserably at resolving the issue, communicating and good at filing bogus compaints. Tells me that i am intentionally trying to defraud his client and that they dont take to kindly to that. Tells me i dont seem too interested in paying the bill and I'm more interested in filing complaints and hope that they forget about me. XX/XX/2023 XXXX XXXX leaves me a message Tells me they are moving forward with legal action on the XXXX. XX/XX/2023 XXXX XXXX calls me, Stating he is XXXX XXXX Calling in regards to the bill. XX/XX/2023 XXXX XXXX calls me again stating he is XXXX XXXX tells me i am hiding instead of honoring agreement. I filed frivilas complaints with hopes of getting away with not paying the balance. Tells me he has talked to his client and they are COMING FOR ME. XX/XX/2023 I email XXXX XXXX and tell him i have filed a complaint against him with the XXXX and that i want no more contact from him, ive asked for someone else to handle my case XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX emails me back, tells me that the XXXX doesnt pay delinqent bills, he has already demonstrated that i am aware of the bill. Tells me idle threats do not deture CCI, so why not offer a settlement now. I email him back stating that i want someone else to handle me case and i no longer wish to talk to about this issue. He emails me back saying the XXXX doesnt have the authority to remove him. Tells me it has become glaringly apparent that my intention is to defraud his client.He is going to re omend lidigation. at XXXX i message him back telling him he is wrong and that i can not afford to pay hundered dollars a month that i am on XXXX. and that i dont want to talk to him about this account any more. Emails me back telling me i have till Friday. XX/XX/2023 i email him telling him i can pay {$50.00} a month.emails me back declining saying {$150.00} a month. I tell him i cant do that, id be homeless
10/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33176	Web
On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my XXXX XXXX, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX XXXX XXXX and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. A year later or more, I received a call from a Collection Agency, Credit Counsel , Inc., trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told Credit Counsel Inc., what happened again, that the item was never delivered to me. I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. I just learned from XXXX and XXXX Credit Report Agencies, the complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. According to the Credit Report Agency XXXX, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an average score of 800 or more, since I do not like to owe, and I pay all my accounts in time. Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies. The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers. Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
02/21/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 363XX	Web	Older American
Called XXXX on or around XX/XX/XXXX in regards to Debt call from XXXX XXXX. XXXX XXXX told me he was an attorney for XXXX XXXX and he was trying to get money owed. I informed him I wasnt paying it because they lost everything XXXX owned down to her XXXX XXXXXXXX. He asked me if I filed a law suit against XXXX XXXX and I said no that I didnt know I could and he stated that if it was true I could. I told him they were inept a taking care of old people, they were short staffed had one nurse for 2 buildings and almost XXXX XXXXXXXX. He asked if I made a complaint with the state and I said yes and he said its not in his file. I told him a nurse from XXXX called me and asked me if XXXX was abused by other residents while she was there I told her no but continue to tell her about the staff shortages only one nurse for 2 buildings how they lost all her belongings and how they almost overdosed her. He tells me there is no report from the state in her file and I tell him I worked XXXX XXXX and know complaints disappear. XX/XX/XXXX XXXX XXXX calls and leaves me a message on my voicemail telling me that ignoring their calls will not make the debt go away and that he feels that I am trying to get out of painted the date and that guy never intended to pay the debt that I fraud and the company, so I call XXXX XXXX back. I told XXXX XXXX that I am on disability and that I can not for the pet a lot a month I told him I could pay {$10.00} a month and he laughed and he said that he is not going to except that amount and I told him that I can not pay hundreds of dollars and hes like how about {$500.00} a month and I might know thats my whole check but what I live on and he pretty much said that that was not his problem, and again he said to me I think you purposely tried to defraud the company and that I never intended on paying the bill. Then he hears my dogs barking and says to me when you got dogs and I was like yes I have two years with dogs are pretty expensive are they and I asked him if he had dogs and he said no and Im like well then how would you know that theyre expensive. XXXX XXXX goes on to pretty much make fun of me because I am on disability Im gon na tell him you know I wouldnt be able to pay my bills if I paid {$500.00} a month to pay this bill back and he told me all that were gon na have to go to court, he tells me that XXXX have to send it to litigation and pretty much me having to give up everything I have to pay this bill back which would include my property. XXXX XXXX has been very crass and very rude with me. I have emails from XXXX XXXX being rude to me and I also have a couple voicemails if I have to continue to deal with XXXX XXXX this issue was never going to be satisfied. I would prefer not even talking to him. He is a very humiliating person. He puts me down and talk to me like Im an XXXX and threatens me. XXXX XXXX works for credit counseling Inc. out of Florida.
11/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43223	Web
My husband received care at a rehabilitation facility called XXXX XXXX XX/XX/XXXX. All services were paid for upfront through our insurance and we also paid around {$60000.00} for his stay at the facility. On XX/XX/XXXX we received a notice from our insurance company advising they received a bill from what appears to be a company related to XXXX XXXX. They refused payment due to incorrect diagnosis codes, modifiers, unit or place or service. We later received what appears to be a medical bill from the rehab facility reflecting a remaining balance due of {$4500.00}. At the bottom of this bill there is a hand written note showing a balance of {$290.00} for " Canteen Items. '' I've never received a medical bill like this in my entire life. When my husband attempted to contact XXXX XXXX directly to dispute these erroneous charges they couldn't explain the bill and refused to send his dispute to the their billing department. They instead advised he should contact a XXXX XXXX who is supposedly with their billing department. However, we've received phone calls from XXXX XXXX ( XXXX ) and when we've attempted to call him directly he is never available. I've attempted to contact him directly and have left voicemails advising that we're disputing this bill and requested him not to call us again. He later made attempts to contact my husband and I through my parent 's in law and advised them of this medical debt WITHOUT OUR PERMISSION. He left me a voicemail again on XX/XX/XXXX. To date we haven't received a bill or notice from XXXX XXXX about this fraudulent debt. When I called today XX/XX/XXXX I spoke with another man. He advised XXXX XXXX wasn't available, so I advised him we're disputing this fraudulent debt and requested to be put on their Do Not Call list. He refused to stop the calls and advised I would have to tell XXXX XXXX myself. I advised his company is breaking multiple FDCPA guidelines and he replied " they don't have to bend to my will and I could probably end up getting sued, this isn't a sales call so these guidelines don't apply, and he finally advised if I don't want these calls to continue then I should get an attorney. '' I would like to advise I've now contacted an attorney per their request. I confirmed that the actual company contacting us is NOT Serenity Oaks, but a debt collection agency called Credit Counsel Inc., CCI. AGAIN, we have never received anything in the mail from this company! During my call with the gentleman today, XX/XX/XXXX, at no time did he EVER give the mini-Miranda disclosure required per FDCPA guidelines.
04/05/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30034	Web	Servicemember
On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.
06/04/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	FL 341XX	Web
This company violated my consumer rights and heavily impacted my credit score. This is considered identity theft where I gave no written consent to anyone to use my information. I am exercising my rights. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Credit Counsel not being able to verify the account numerous of times nor provide any type of proof I would like this removed. I am due for the monetary relief of XXXX since my information has been validated. There has been phones and letters stating a debt that I do not owe. I requesting for help for this items be deleted from my credit report along with the stress it has caused me. Thank you,
10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
TODAYS DATE : XX/XX/XXXX CREDIT COUNSEL INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COUNSEL INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32792	Web
I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18 for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor. Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32792	Web
I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor. Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
11/20/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92683	Web
Dear Cfpb, XXXX XXXX XXXX XXXX : CREDIT COUNSEL INC Original creditor : XXXX XXXX XXXX XXXX opened XX/XX/2020 Amount : XXXX On XX/XX/2020 the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans : suspend loan payments stop collections on defaulted loans set interest rates to 0 % for a period of 60 days On XX/XX/2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XX/XX/2020. On XX/XX/2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XX/XX/2020. Despite the fact that ongoing litigation case detail here XXXX XXXX XXXX They won't respect the rule and laws, Put my credit score in dangerous and harmful during this pandemic is very unconstitutional. The federal loan often 10 years, but many don't know that before having a chance to pay back the federal loan. . These corp private school loans already put these dreams under collection after a 2-3 years loan term. What's I know now after enrolling and graduated. In contrast, they haven't completed any commitment and promise in the contract from a business point of view. Frauding process and education plan, the structure education plan prepare under XXXX systems, and that plan to destroy US education systems as a goal. The government must act. Example : All high education colleges require accreditation as required by law. The private school claimed accreditation that is false, it's an invalid search in the student clearinghouse, it's also mean Non-transfer credit eligible to any US college. Non-report data success transfer college in the private school.Non-transparency. Again, these corp private school is intended to manipulate the system for this interest, and they go after vulnerable students and that is exactly what is this United Education Institute did. XXXX XXXX
02/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48858	Web
XXXX XXXX from Credit Counsel Inc has been harassing me for a year about a collection of my fathers debit, and the phone calls started before my father had died. My father was a patient at the XXXX 's of XXXX XXXX who had fallen behind on a debit. I was listed on his contact information for the XXXX as a Emergency Contact which was only meant for the XXXX XXXX, but XXXX somehow got that information and used my telephone number to try to contact me about my dad. I explained I hadn't spoken to my father but explained he was still at the XXXX 's where he could reach him, and XXXX still tried to contact me from time to time which I explained that the only number I had for him was the XXXX XXXX. My father died in XX/XX/2021 and in XXXX XXXX XXXX called again, to which I explained that my father had died. XXXX said that I was responsible for this debit, which I explained I was not since this debit was my fathers. He asked if my father had any estate which I responded no, my father had no land or house or any property. He then threatened me saying I was fully responsible for paying back this debit, don't I feel bad that this debit hasn't been paid, I need to find a way to pay this back before he sues me. I explained to him this wasn't my debit nor my responsibility since I wasn't as power of attorney for my father either. He was continually usually manipulation tactics to try to make me pay this, and to say he was going to come after me and my siblings to make us pay. Then today I get a e-mail threatening to sue me for this debit, which again isn't mine to begin with. I explained in my email attached there was no will made, I had to make last minute medical decisions for my father since his death was sudden, and this is harassment. I feel threatened and I am tired of feeling like I'm going to jail for something that isn't my fault. I am tired of the harassing phone calls, and now emails which I NEVER GAVE THEM.. This shouldn't be allowed or legal.
07/20/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33179	Web
My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.
10/12/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33166	Web
In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. pictures of rusty material : XXXX XXXX XXXX The original amount was {$20000.00}. We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX and inform that materials have problems and we need change everything or more payments wont be done. XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX. 2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already. 3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone. 5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language. 6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.
05/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price in writing. The morning of the procedure I was asked to pay {$420.00} more than I was told. I paid under duress and told them that I disputed the price difference. They told me to contact the doctor 's office who gave me the price. I contacted them after the XXXX and they said to speak with the XXXX center, who sent me back to the doctor 's office. I disputed the price difference of {$420.00} with my credit card company because I was told the price well in advance and it's not my fault they were wrong. I received the first collection letter from this company dated XX/XX/XXXX and immediately replied in writing asking them to validate the debt and to cease all collection efforts. THEY CONTINUE TO HARASS ME VIA EMAIL in direct violation of my written request for them to cease contacting me in accordance with the FCRA. I have received email correspondence from them as recently as XX/XX/XXXX. In XX/XX/XXXX, the administrator of the doctor 's office who initially gave me the quote sent me proof that the account was zeroed out. In XX/XX/XXXX, I discovered that this company FRAUDULENTLY reported the account as delinquent to XXXX. I initiated a dispute and they removed the item from my credit report. Now, in XX/XX/XXXX, I just learned that FOR THE SECOND TIME, they have reported this account as delinquent to a DIFFERENT reporting agency, this time to XXXX. This company is using FRAUDULENT AND DECEPTIVE collection tactics to collect money which is was never owed. The most recent report to XXXX already resulted in me being denied for a credit card.
03/11/2019	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	TX 77065	Web	Servicemember
This is about my 7th time requesting to have the XXXX accounts and its duplicate removed for once and for all. Next time my attorneys will be involved Original Creditor XXXX XXXX UNIVERSITY ( paid off back in XXXX ) this account has been sold over a 10 times in the 25 years. TIME TO REMOVE XXXX XXXX XXXX {$2400.00} Negative XX/XX/XXXX XXXX XXXX XXXX DUPLICATE Negative XX/XX/XXXX XXXX XXXX # XXXX Original Creditor - - Company Sold XXXX XXXX XXXX XX/XX/XXXX READ BELOW **Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. Debt collectors can not pursue or attempt to collect debts that are more than four years old. https : //www.debt.org/faqs/americans-in-debt/consumer-texas NEED TO REMOVE XXXX, UPDATE XX/XX/XXXX I have requested this accounts to be removed and they keep showing up. It is an old lease that was paid off, was never late and its was well over 8 years ago. Keep in mind that you are breaking the Texas consumer laws by refusing to remove. Attorney has been hired. THESE ARE ALL illegal hard inquiries that ARE NOT ME : NEED TO REMOVED XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX., XXXX XXXX -You applied for credit in XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX - You applied for credit inXX/XX/XXXX
11/15/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 462XX	Web
Friday, XX/XX/XXXX I am an employee at XXXX XXXX XXXX. The owners are rarely on location and can be reached by email, so i pass any phone msgs to them. XXXX XXXX with CCI-Credit Counsel Inc XXXX I have communicated to mr XXXX several times that owner can not be reached by phone and i am the only one answering the phones, mr XXXX calls repeadly, one call right after the next, verbally badgering and bullying me, verbally abusing me, bad mouthing my employer, while im trying to work. He is not getting his msg across, he is only interfering with me working with patients, hampering me in providing quality customer service, delaying and damaging my work progress. It has become very disturbing and mentally stressful. XXXX Location : XXXX he called @ six ( 6 ) times in a row, back to back between XXXX - XXXX, @ XXXX and left a nasty VM msg. XXXX @ XXXX, @ XXXX lft VM msg, @ XXXX He said to me, " How do we get paid by you people, is XXXX there? ; he called again @ XXXX. XXXX he called @ XXXX, asking, " Why dont you people pay your bills? ", and @ XXXX ( before the clock struck,XXXX ) ( 4 ) four straight times in a row, @ XXXX ( 2 ) two times in a row. XX/XX/XXXX @ XXXX asking, " Is XXXX never there? ", @ XXXX " Why dont you people pay your bills? ". XX/XX/XXXX @ XXXX, @ XXXX ( 2 ) times in a row, and @ XXXX. XXXX Location : XXXX @ XXXX, @ XXXX ( 2 ) two times in a row. Something must be done, he can not be allowed to harass Me concerning others financial responsibilities. Thank You
05/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.
11/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33401	Web
I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : XXXX.
01/28/2022	No	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	FL 33147	Web
I was attending school and failed out of my XXXX class. However, tutuion options was the loan lender. The school name was XXXX XXXX university. I was trying to get my payment lower then XXXX dollars a mount to XXXX tuituion options said i had to call the school back and settled that with them. Well today, I received a call from XXXX today atXXXX XXXX I didn't get tha name of the rep, he was very rude to me, telling me I need a Job, this is why I'm In this situation, he wouldn't let me speak to no other rep, nor get his supervisior name nor put them on the phone he called from the headquarters of the company in XXXX, fl I was able to retrieve the number from the XXXX, fl locattion is the number I called back I explained my situation to the young lady she called him he came back on the line and stated " oh! you have time to hold on when you need to be working fulltime " Go get a Job " I hang up 3 times he kept calling back. Yes! I called the office back several timepraying I can get someone else to answer apparently they have caller ID so he knew it was me and would answer the phone not given his name nor number. These people are trying to collect a debit but are being very rude and nasty in the process calling harrassing the customer is not fair i really need to take action about this matter
10/12/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33156	Web
on XXXX I received an email from XXXX XXXX who is an employee of Credit Counsel , Inc. for a dispute I have with my divorce lawyer. XXXX XXXX included my ex-wife in the email. I called to tell him this was illegal and he proceeded to tell me that he would do it all day long. The email had the attached letter below : Claim of : XXXX XXXX XXXX Balance due : {$8500.00} Account No. : XXXX NOTICE OF PENDING CLAIM Apparently you have chosen to ignore your obligation to Credit Counsel , Inc . This letter informs you that unless full payment is made within ten ( 10 ) working days after the date of this letter, Credit Counsel , IncXXXX may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action. It is Credit Counsel , Inc. 's intention to exercise any and all rights provided for enforcement of judgments. Credit Counsel , Inc. shall proceed with such action immediately when directed to do so by our client. It is urgent that you pay the balance in full within ten ( 10 ) days after the date of receiving this letter. You should immediately contact the manager at : Tel : XXXX XXXX Very truly yours XXXX XXXX XXXX XXXX XXXX
05/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29456	Web	Servicemember
For several months I have periodically received a phone call from an unknown number. Today I received multiple and finally decided to call the company back. It turns out they have my number on file for a debt owed by another gentlemen. Multiple representatives informed me that my number could not be removed from their system and that they would keep calling until it is paid. Upon requesting a supervisor a gentlemen by the name of XXXX XXXX answered the phone. This gentlemen was very rude from the beginning. He informed me that he would make a not that my number is not for the account holder but refused to actually remove it from the system. He begin informing me I was waisting his time. He then began insulting me, calling me a child, informing me I have nothing to do with my life, and being extremely rude to me. Meanwhile I maintained my composure and respect the entire time. He compared me to a drug dealer as well for some reason. I want my phone number removed from their system and confirmation once complete. It is illegal for them to harass me for a debt owed by another person. My phone number is personal information and I have had the same phone number for 15 years.
02/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46032	Web
XX/XX/XXXX I went to my mail box and retrieved my mail for my taxes I opened one letter with only a address that reads in large print Credit counsel It starts with " I see you chose to ignore your obligation! '' Then goes on to say I owe XXXX XXXX XXXX XXXX {$960.00} To which I email Credit Counsel in XXXX XXXX Florida explaining in detail the only connection with said medical company is due to workman 's comp back in XXXX of XXXX And that I have All of the documents proving it paid as the insurance company They threaten legal action in the letter 10 days after receiving their letter There is no documentation as to the physician treatment if the visit is in the med check or hospital I also shared a documented truth of Identity theft from XXXX XXXX g.m. of XXXX in XXXX XXXX who proved last XXXX on the XXXX an ex employee of their company used ALL of my identity working 3 years XXXX XXXX and 2 at another store leaving on very bad terms. XXXX shares that this is why I am not getting hired and for my bankruptcy XXXX So I have an ill feeling of all this and need your help in the matter.
02/10/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33028	Web
I have been harassed daily by a Credit Council , Inc. bill collector, by the name of XXXX XXXX, after making an agreement ( on XX/XX/XXXX ) of how I was to pay a debt for my company. It was initially about {$30000.00} and he brought it up to {$59000.00} for illogical reasons. XXXX XXXX pretended to be a lawyer and told me he would take me to court if I wasn't going to make some sort of agreement with him. So, I paid a lawyer to figure things out. We settled on me making payments of {$1500.00} a month. I have paid a total of {$31000.00}, my latest payment was on XX/XX/XXXX. He has sent me a message threatening to " have a warrant for my arrest '' to scare me into paying him more money. He calls incessantly to my personal phone and office. He insults my staff, uses profanity and gives out my personal information to workers, claiming that I owe him {$50000.00} and he " doesn't know how I am still able to run a business ''. His calls start at XXXX ( before we open the office ) and continue throughout the day, 3 to 7 times in a row. I am really hoping you can resolve this issue.
06/02/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33460	Web
On XX/XX/2022 at XXXX, I called Credit Counsel Inc XXXX XXXX ) XXXX, a debt collector representing XXXX XXXX XXXX in reference to a collections account in the amount of {$280.00}. I offered to pay the amount owed. The response from the guy was that the amount owed is almost {$700.00}. I asked how is that possible, and he said that administration fees are being charged. I told him that I understand that they are a business and need to make money, but {$700.00} on a {$280.00} debt seems to be a bit overkill. As a business owner myself, I offered to pay them {$350.00}, as I thought that {$65.00} would be a reasonable " administrative '' fee for them. He refused, I then asked if he could break up the amount that he was asking into smaller payments and he refused as well. I then impolitely told him that I guess we will just play the waiting game and wait until it falls off my credit and then no one gets paid. Also keep in mind that this a medical bill, and I was out of work for a significant amount of time, hence the reason this account went to collections.
10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33165	Web
Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- Credit Counsel, XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
05/22/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NY 11236	Web
On XXXX / XXXX / XXXX at XXXX XXXX I called a debt collector to request information on a letter I received from their company post marked XXXX / XXXX / XXXX on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.
07/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33183	Web
There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.
12/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price ( in writing ). The morning of the procedure I was asked to pay {$420.00} more than I was told. Under duress, I paid, but told them I disputed the difference and they told me to contact my doctor 's office, who had given me the pricing. I contacted them after the XXXX and they said I needed to speak with the XXXX center, who sent me back to my doctor. I disputed the amount of {$420.00} with my credit card company because I was told the procedure pricing well in advance and it's not my fault they were wrong. I've spoken with the person who gave me the original quote in writing and they said they've contacted the XXXX center to remove this debt but that was months ago, and the debt is now on my credit report.
02/10/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 303XX	Web
XX/XX/2023 @ XXXX As this was the second call from CREDIT COUNSEL, INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I ask the caller MrXXXX XXXX to please cease and desist from calling me. I have no previous business with them I have no idea who they are please remove my number from your call log MrXXXX XXXX continue to threaten, he threaten to places on my name and private information on the credit report of all 3 creating reporting agencies and he was very rude and disruptive and stated he will continue to call even after I asked him not to I also ask that if you want to contact me he can do so via email and he repeated my email but continue to have threatening and disturbing conversations with me. please address the situation as a consumer I feel my rights are being violated. Thank You
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33410	Web
XXXX of XXXX and XXXX billed me for a repair that is covered under first year warranty and refused to repair damage to my ceiling caused by this malfunction. I have done my best to work with XXXX to no avail. The owner of the company, who was more than happy to spend time with me during the purchase, now refuses to speak to me in person, on the phone, or by email. Without any notice, they turned it over to a debit collector called Credit Counsel, Inc I have sent Credit Counsel , Inc. certified mail within 30 days of there notice to me stating that I am disputing this invoice and to not contact me again. Credit Counsel, Inc. have called me twice since signing for the the certified mail and have be dishonest about receiving my certified mail.
05/21/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 33135	Web
Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer
03/17/2021	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 334XX	Web
The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.
07/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33028	Web
XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.
04/15/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33028	Web	Older American
the company claims that my XXXX year old son owes some money they repeatedly called some months ago i told them my son does not live in my house and has not lived in my house for 15 years they asked if i knew how to reach him i told them he works as an XXXX on a XXXX XXXX i told them not to call me anymore as this was not his phone number or residence they called me again last week i spoke w an XXXX XXXX he said he remembered my whining voice and that he was calling about my son again mr XXXX XXXX claims that he works for credit council inc i found there address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) XXXX
12/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33326	Web
CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. Thank you
04/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77047	Web
I had received a Refund check for my Gap Insurance on my car for XXXX on XX/XX/2018 months later this company sent me a request to refund the money back they said they sent the check by error, how was this by error when I canceled my gap insurance with this company I had sign all the paperwork for the cancellations, I called my lawyer and he sent paperwork requesting proof of the error. So they put this on my credit report, so I disputed it and it came off my report but its still on XXXX which it shouldnt be so this is the reason why I filing this claim
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33139	Web
I spoke to their customer support and I was informed that the date of service and date of last activity on this account was XX/XX/2013. That is well past seven years and they are in violation of the Fair Credit Reporting Act. I do not wish to pursue an attorney for this violation of the FDCPA but will have to if they do not oblige my request. Again, my intent is not to file a lawsuit, I simply want this removed from my credit report as it is illegally being reported.
09/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77067	Web
I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
10/19/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33324	Web
I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.
12/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29405	Web
I recieved a letter in the mail from Credit Counsel Inc. debt collector. When i asked for verification they sent a form which also had my diagnosis on it as well which I know is a HIPPA violation and they were not suppose to have that information. The information was sent to the from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sc.
02/26/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27526	Web
Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.
12/21/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 29405	Web
I did not realize that it was this company calling me I have been getting phone calls from this company for weeks back to back. I do not answer unknown numbers but today I did because I wanted to know who was blowing up my phone from this number and of course it was Credit Counsel inc.
05/01/2019	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 Problem with personal statement of dispute	TX 77047	Web
This people are rude below is the paperwork of my loan they didnt give me credit for my gap insurance Everything circle on my paperwork are the amount of both loans the Original and the refinance amounts
02/06/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60611	Web

02/06/2024	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 334XX	Web

01/20/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 33165	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94088	Web

07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91307	Web

06/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06855	Web

06/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33130	Web

05/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32765	Web

11/19/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60083	Web

10/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95965	Web	Older American

09/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33467	Web

05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33009	Web

04/25/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33186	Web

12/05/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80123	Web	Older American

08/13/2021	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48625	Web	Older American

09/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Fax

08/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33175	Web

07/14/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 23832	Web

04/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

11/26/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89117	Phone	Older American

06/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 56331	Web

09/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33410	Web

07/02/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	OH 45231	Web

06/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33029	Web

03/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33026	Postal mail

11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33184	Phone

05/12/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33025	Web	Servicemember

04/14/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33179	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77078	Web

01/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92662	Web

12/09/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NJ 07621	Web

08/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 94588	Web

05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33169	Referral