Credit International Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 970XX	Web
I was contacted by a collection agency : Credit International Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX , WA XXXX Alleged Debt File Number : XXXX Regarding an unsubstantiated and invalid debt claim from : XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX Incident # XXXX I did not receive a Validation Notice from the collection agency Section 809 ( Validation of debts ) of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written Validation Notice to consumers within 5 days of the initial communication about the debt. The Validation Notice " must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions ''. ( XXXX XXXX XXXX ) And A Validation Notice " must include an end date for a XXXX-day period when you can dispute the debt ''. ( XXXX XXXX XXXXXXXX ) The letter I received from the collection agency did not include a tear-off form. Witholding the method to dispute the debt is an abusive tactic in violation of the Fair Debt Collection Practices Act ( FDCPA ). The initial contact letter also did not include include an end date for the XXXXday debt dispute period. This is an unfair and deceptive tactic. Due to the collection agency 's failure to include all of the necessary components of a Validation Notice, I have not received a Validation Notice from them, in violation of Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX broke the law by sending an unsubstantiated claim to the collection agency. XXXX XXXX claims that I owe them penalties under ORS XXXX. They have never called the police on me, filed any civil or criminal charges against me, or obtained a judgment against me. ORS 30.875 ( 7 ) states that " Judgments, but not claims, arising under this section may be assigned. '' XXXX XXXX claims that I owe them money, but they do not have a judgment against me. Therefore, they are attempting to collect on an unsubstantiated claim, in violation of ORS 30.875 ( 7 ). This statute unequivocally restricts the legal assignment of civil damages for shoplifting to judgments only. Collecting on unsubstantiated civil claims directly contravenes state law. Furthermore, any attempt to unlawfully collect an invalid debt constitutes an abusive practice expressly prohibited under the Fair Debt Collection Practices Act. XXXX XXXX is authorized by the State of Oregon by ORS 30.875 to fine customers based exclusively on the store employee 's opinions and without any reasonable suspicion even when the store has not lost any merchandise. XXXX XXXX cited this endorsement of their actions by the State of Oregon by sending me a copy of ORS 30.875. Their conduct shows knowledge of the law 's judgment requirement, but intentional violation of it anyway. The collection agency is also acting unlawfully by accepting assignment of the invalid claim. ORS 30.875 restricts assignment of shoplifting claims specifically to prevent exactly this type of situation - collections efforts without due process. XXXX 's actions violate the Oregon statute 's clear procedural requirements for shoplifting penalties. XXXX XXXX assigns these types of claims frequently to the collection agency. Therefore, the collection agency is also well aware of the illegitimacy of the claims. Consumer protection laws The store and collection agency 's actions constitute violations of consumer protection laws. The federal government and Oregon have consumer protection statutes that prohibit unfair, deceptive or unconscionable trade practices. These include debt collection activities. Attempting to collect on a shoplifting penalty claim that is invalid and unassignable under Oregon law is a false and misleading representation that qualifies as a deceptive practice under consumer protection statutes. The store and agency are aware of the law but chose to violate it anyway in their dealings with consumers. This demonstrates knowledge and intent. Transferring invalid claims with knowledge that they can not be legally assigned or collected misrepresents the status and enforceability of the debt. This is a deceptive practice. Having a consumer pay or try to settle an invalid claim also qualifies as an abusive/unconscionable practice under consumer protection laws. Fair Debt Collection Practices Act In addition to consumer protection laws, the FDCPA ( Fair Debt Collection Practices Act ) also prohibits collection of shoplifting claims not reduced to judgment. Knowingly violating the Oregon shoplifting penalty law is reasonably seen as a deceptive and unfair trade practice violating consumer protection laws. The described conduct violates consumer protection laws prohibiting deceptive debt collection practices, in addition to the Oregon shoplifting penalty statute itself. Scope of the problem It has come to my attention that XXXX XXXX may have systematically assigned collection rights on potentially hundreds of thousands of unsubstantiated civil claims over past years, and ostensibly continues such practices unchecked. Furthermore, Credit International Corporation, doing business as XXXX, appears to have regularly collected on millions of legally invalid debts without complying with mandatory consumer notification laws. Remedies Sought It is requested that XXXX XXXX face meaningful penalties for the demonstrable pattern of assigning collection rights on civil claims lacking proper legal judgment, in contravention of statute. Additionally, substantial sanctions for Credit International Corporation, doing business as XXXX, are sought for apparent widespread noncompliance with Fair Debt Collection Practices Act provisions requiring the furnishing consumers a written Validation Notice within 5 days of the initial debt communication. Further, penalties for XXXX are also requested regarding collection of any material number of past assignments of legally invalid debts they accepted as legitimate. The State of Oregon and the federal government to begin enforcing the laws already in place that prohibit : Merchants from assigning legal debts absent judicial oversight Merchants illegally assigning debts absent substantiating documentation to collection agencies Collection agencies accepting the assignment of unsubstantiated debts Collection agencies initiating collection proceedures with a lack of mandatory consumer notification XXXX XXXX held accountable by reversing their illegal, unfair, deceptive, and abusive practice of sending their claim against me to XXXX. XXXX to send me a written Validation Notice as required by law. XXXX required to rescind the claim against me and return it to XXXX XXXX. To remedy the grievance, XXXX XXXX should be compelled to cease and desist from assigning unsubstantiated claims. XXXX should be required to provide the legally mandated validation notice and cease collection efforts of illegally assigned debts. These measures would demonstrate good faith adherence to consumer protections under statute. Please inform me of your planned actions in response to my complaint and provide regular progress updates. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX
01/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98201	Web	Servicemember
Credit International Corp ( CIC ) has an outstanding judgment against me and has filed 3 garnishments against employers since XXXX attempting to collect. After the last garnishment was filed, I contacted them in an effort to work out payment arrangements ( at their written request ), get a total pay-off amount and how it was calculated, and even pay off the debt in full, according to the court paperwork. When I went in their XXXX, Washington office on XXXX XXXX, with a check for the remaining balance, they refused to accept it and indicated the amount on the garnishment filed with the court was incorrect, added up wrong, and that I actually owed {$1400.00} more than what was shown. I have attached the two most recent garnishments, dated XXXX XXXX, and XXXX XXXX, XXXX, the emails I sent to them attempting to work out payment arrangements, and laying out how I calculated the remaining balance ( which was not disputed - either on the phone or in writing ), the most recent paycheck stub dated XXXX XXXX showing the total my employer paid through garnishments, the check they refused to take, a letter dated XXXX XXXX threatening to sue my employer if they did not comply with the garnishment, and the letter from them dated XXXX XXXX, where they indicate both sets of court paperwork / garnishments were calculated incorrectly. I also voluntarily made payments to the court when there was not an active garnishment filed, in an attempt to show good faith - a total of {$450.00} was paid and the receipt is also attached. When I went into their office to drop off the check, I was shuffled through three different people, none of which identified themselves, or what authority they had within the organization. The receptionist would not even talked to me, but immediately said she needed a supervisor. The female supervisor was very rude, saying I was not paying the correct amount and even after I presented her with the email of how I calculated it, refused to accept my calculation. She then went back and another gentleman came out ( whom I presume was the attorney, but honestly do not know ), and he was even more rude - and kept insisting I owed more than what the paperwork said and that the garnishment that was filed in the court was added up incorrectly and I should have been honest enough to realize it, and just paid what was really owed. I told him it was not my responsibility to pay for their mistake, or check their math and I was taking my numbers directly off the Writ and Application for Garnishment. He then adamantly refused to take the check because it said " paid in full '' or provide me with a receipt for making the payment. I drove 35 minutes just to get to their office, was there over an hour and a half, and missed half a day of work with no pay to get attempt to get this taken care of. Every time I would send an email asking a question, the primary response I would be is that they could not communicate with me through email and call them. However, every time I called, it rang several times before / if anyone bothered to answer and my voicemails were not responded to. No one would even give me a specific time when I could call, or make an appointment to discuss it in person, and I made it clear I had limited availability during office hours because of my work schedule. CIC has done not returned my good faith effort to get the situation completely resolved. They have not even filed a partial satisfaction with the court showing the amount that has been paid, so my credit continues to take a negative hit, as it shows up as an unpaid judgment. I just want them to accept the amount owed that I calculated, based on the court paperwork filed by them, and file a complete satisfaction with the court, so this gets behind me. The original judgment was filed in XXXX and I am tired of 2 years of negative effects and garnishment attempts. Everyone in their office I have dealt with has been rude, unethical, and harassing. I feel like they are doing nothing but trying to take advantage of me, my limited financial situation, and have no interest in seeing an end to the proceedings. They only care about lining their pocketbooks and trying to intimidate people into paying more than what is actually owed. I have made more than a good faith effort to pay this debt. I am not disputing the fact that I owe it, am not saying the original judgment was filed in bad faith, or that the garnishments themselves are illegal on their face. However, I am saying I should be able to concretely rely on the numbers calculated and be able to pay the remaining balance from that paperwork.
01/09/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	WA 98258	Web
I bought a car from XXXX XXXX in XXXX WA XXXX in XX/XX/XXXX. Due to a serious domestic abuse situation my finances were cut so drastically knew could not afford the car. I brought the car back in on about XX/XX/XXXX. I had put {$500.00} down and made 2 payments. They took the car with my boyfriend who 's been XXXX for over 25 yrs, I had him do the transaction as my witness that the car was in better condition than when purchased. They advised him I would be charged a storage fee. He objected and said the car will be put back on lot for sale. A week later the car was for sale at same amnt as I got it for, then a week later about it was gone. So assumed the car was resold. Since then I have had no contact with them. My address is the same. My boyfriend also stated that charging me 30 % interest not legal here. I have n't worked for two years. This holiday season worked just for holidays. I was surprised to see my last large check was garnished about {$250.00}. That day in the mail was a letter with papers for a " Writ of Garnishment for Continuing Lien on Earnings '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ph XXXX, case no XXXX. Plaintiff is XXXX XXXX XXXX XXXX. and Credit International Corp. I was never served anything such as notice the car was to be auctioned, the selling price, nor any notices of service with papers to answer forms etc. The amount due is {$2500.00}. Judgement bal {$2100.00}, Interest from XX/XX/XXXX-XX/XX/XXXX {$180.00}, filing fees {$32.00}, postage of cert mail {$15.00}, garnishment atty fees {$210.00}. I am shocked at this obvious way of " double dipping. '' I have to pay for car plus whoever bought car also. But what 's move obvious is that I did n't receive anything at all related to this matter. I challenge anything that was signed by me from anyone on this matter. I tried calling the Atty, and the recording was a co called XXXX and I talked to whoever answers phone and told knew nothing about it and to contact the car dealer. I called them and again nobody around to answer anything, when I advised her I will take legal counter action she said the woman who would deal with this got in car accident and call back in a week. I received a call from XXXX and had my boyfriend talk to this really rude woman. She said could not talk to XXXX XXXX as my forms I got said to do. She said to call back and make payment arrangements. A little late since I am being garnished already. This totally unacceptable to mess with people like this. It 's corrupt and illegal.I have filed a complaint with AG. I can predict that they will say tried to contact me and I did n't respond so got judge to ok garnishment. But it states from XXXX/XXXX/XXXX? I did seek some legal counsel and they to said I must be served properly or the case should be requested to be dismissed. Now neither will respond. I will go to XXXX Court and file a declaration with my response on Monday XXXX/XXXX/XXXX. Can you please look into this and offer me assistance? I am a single Mom and struggling to survive and this is total harassment and feel also feel this would not have happened if I was a man. I have always had positive response from AG, FTC ( after looking at credit report see have identity theft again ) and believe it or not the IRS. Please enforce all laws so this does n't happen again, I can tell it 's been done by them many times as the way it was set up and timed. My employer will also be notified as contacting me at my job will not be tolerated. They have my address, email and XXXX phone numbers to contact me but little late. I bet there is some type of forgery of my signature. While this in dispute can any further payments be suspended? And the amnt already taken be returned. I should also get copies of when vehicle returned with balance, when car resold and for how much and all attempts to contact me after that. Thank you so much
01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98203	Web	Servicemember
Collection agency received an assignment of debt from creditor 3 months after we offset the debt and gave them a XXXX. Original Creditor gave the agency the wrong address and they served a writ of garnishment to my husband at an address we lived at 3 years ago. We filed XXXX report XXXX dated on or about XXXX/XXXX/2015. We even drove down to their location and the representative that we spoke to called me a thief to justify them garnishing my husbands wages without proper service. When I told them that they violated our rights to privacy by sending debt collection information to a party other than ourselves she got argumentative, threatened to call the police on me because I would n't give her my social security number ( although I had my press badge with address/birthdate/picture, as well as my state id card for verification that she was speaking with myself ). I have everything on digital audio/visual recording as well. They brought back out a copy of the envelope that showed the mail was returned to them 4 days after they were granted the writ but would not give a copy of the mail. They would not give any information that showed us that they had the right to collect the debt outside of trying to give me a copy of a judgement that I had previously went online and purchased when I learned of the garnishment. To this day we have yet to get any communication from the collector, they have not validated the debt and they have stated clearly to myself and the better business bureau that unless i verify my social security number they will not speak with me or accept payments on the debt unless the balance is paid in full. However, they are garnishing my husbands wages. After I left the building our process server went inside and served the company with a cease and desist on collections until validation was received and a court related documents regarding the debt as well as copies of the XXXX 's that have now been sent into the IRS. They collection agency called the representative from the original creditor to alert her that we were serving her ( from what I can only guess ), as by the time we made it to her location to serve her with the same papers, she let her dogs out on the process server and not less than XXXX minutes later threatened me on facebook. Within a couple of days the Attorney for Creditor contacted us and stated that if we contact anyone in regards to validating, off setting this debt and other court documents that we would be back in court for a order for protection because we were harassing his clients. They are taking money from a paycheck that is assigned to a XXXX and we ca n't get a Motion in to the Court because the clerks refuse to file saying that the time has lapsed for us to seek a review of the writ or defend it because the attorney signed the affidavit stating it was successfully served. At the moment we are trying to figure out how they can refuse to speak with us regarding payment of a " debt ''. How it is legal for them to go after a garnishment after receiving a Cancellation of Debt? How it is okay for a debt collection to admittedly send mail to the wrong address because the creditor gave it to them, knowing it is the wrong address? How we were forced by the court to be debtors but have no standing to get a validation of who is the proper party to " pay '', who we are supposed to be communicating with. Why we are not being allowed to get a invoice showing " current '' amounts due and owing since we never even got served with the Court judgment ( we appeared by phone per the judge ). So now they have a lien on our home, garnishing my husbands wages as well as now running inquiries on our credit but they wont send a bill.
02/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89145	Web
I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information
11/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98201	Web
This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.
10/02/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98092	Web
I received a collection notice after never receiving a bill. I tried contacting the landlord and he refused to speak to me so I contacted Credit International Corporation. The person I spoke with emailed a copy of an invoice and when I tried to ask questions about never receiving any notification that there was money owed, he hung up on me. I followed the option on the letter and wrote in that we were disputing the charges and mailed it on the XXXX of XXXX within the 30 days. I received a conclusion notice back on XX/XX/XXXX stating that the debt had been verified. I tried calling and talking to someone again but the first local number listed on the paperwork was disconnected but I got through with the 800 number. I then spoke to XXXX and asked how they verified it. He would only tell me that their paralegal did it but would not explain anything beyond that. He then said that he was going to note on the account that I wasn't willing to pay it and they would take me to court. He then hung up on me again. I do not feel that I should be sent to collections over charges I wasn't aware of, especially when I still live in the same townhouse that the fees were supposedly accrued. I was never notified by my landlord in anyway that I had any outstanding balance until he sold this property to another company. After the sale, myself and at least one of my neighbors then received these collection notices. Nobody has attempted to make any kind of payment arrangements of any kind with me. They just say they are going to take me to court and hang up on me.
05/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 985XX	Web
On XX/XX/XXXX I received a certified letter in the mail from Credit International Corp stating that a judgement was put in place to begin wage garnishment for a 9 year old debt I did not know existed. In XXXX a court hearing was scheduled for a matter I believed the plaintiff and I had settled out of court. Unbeknownst to me, the plaintiff pursued the legal matter without my knowledge. In 9 years I was never notified of the judgement against me. Until I received the letter on XX/XX/XXXX, this agency ( who confirmed has had this debt since XXXX ) has not sent me a single letter or attempted to contact me in any way. I have sent proof that I was led to believe the matter was settled out of court with no response. On XX/XX/XXXX, my wife called the company and spoke with an agent and explained that I was never notified of the debt and wanted to stop the wage garnishment. She was told that the garnishment can not be stopped once it is in motion, and was told that since they were contracted to collect the debt only one attempt was made to notify me of the debt via a letter sent to my parents house. I have had the same phone number for nearly 15 years. My parents do have a valid address for me, but they did not ever receive any correspondence for me. I feel more than one attempt in 7 years should me made and that I should have been properly notified of the judgement from the beginning 9 years ago when I have believed this entire time the matter had been privately settled.
05/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA XXXXX	Web
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.
03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91744	Web
Date : XX/XX/2022 Amount : {$70000.00} TOTAL : {$73000.00} I am writing to express my dissatisfaction with the handling of debt collection by XXXX XXXX Department and Credit International Corporation. While I understand that it is their job to collect debts owed, I have several concerns regarding the way this matter has been handled. First and foremost, I believe that the debt being reported on my credit record is inaccurate. This debt belongs to the company XXXX XXXX XXXX and not to me personally. As an employee of the company, I should not be held responsible for the debts incurred by the business. It is my understanding that XXXX should be held responsible for the payment of this debt, as XXXX XXXX XXXX received payment from XXXX and released the order to the customer. As a customer, we relied on the XXXX XXXX XXXX to handle the payment process. XXXX is now attempting to collect the money back due to a loophole in their system, which is not our responsibility. Furthermore, I am concerned that XXXX practices in attempting to collect this debt have been unfair and unjust. I have received numerous phone calls and letters from XXXX regarding the debt, many of which were made outside of reasonable hours. Additionally, I have been subjected to threats and intimidating language by their representatives, which is unacceptable.
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
Credit International Corporation XXXX XXXX XXXX XXXX, WA XXXX The company above reported a Corporations Possible Liability to my personal credit. Credit International Corporation is a collection agency acting on Behalf of XXXX. XXXX processed a check for XXXX XXXX XXXXXXXX XXXX that we received from a customer, XXXX XXXX XXXX. XXXX XXXX put a stop a payment on the check after the check was cleared by XXXX. XXXX notified us after 3 months that there was a stop payment placed on the check. XXXX XXXX XXXX promptly filed a criminal complaint against XXXX XXXX with XXXX XXXX XXXX 's Hot check division. We informed Credit International Corporation about the ongoing criminal investigation. XXXX XXXX XXXX XXXX is not a sole proprietorship but a Corporation. XXXX, Processed the check in question, on behalf of XXXX XXXX XXXX and not on behalf of XXXX XXXX. Credit International Corporation has been harassing XXXX XXXX XXXX threatening lawsuit etc. We informed them over the phone about the ongoing criminal investigation. If there is any liability, this liability is XXXX XXXX XXXX 's liability and not XXXX XXXX 's liability. I demand that Credit International Corporation remove the fraudulent reporting they placed against me with Credit agencies Illegally. I also request that this company be fined as permitted by law.
10/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 974XX	Web
I received a notice of garnishment via mail less than a week before my pay started being garnished by my employer to satisfy the garnishment request they also received. This was the FIRST EVER NOTICE OF THIS DEBT I HAVE EVER RECEIVED! Prior to this I had ZERO notice of this debt or that it even existed, that I could dispute it, or anything. ZERO attempts have ever been made by the collector to contact me to notify me of the debt OR collect on it. Since they have completely failed their due diligence to even attempt to resolve or notify me of the debt, this was an unfair and illegal garnishment and has caused undue hardship on my household as I am also the sole income earner. When I was notified of the garnishment, I also received no grace period to address or dispute the debt before collection occurred via garnishment. I was prohibited access to or notice of my rights of this debt and all actions taken were in direct violation of FDCPA standard. This was an unfair attempt to illegally secure funds for an unknown debt with no attempts on the collectors part to even collect the debt prior, or notify me of it. I need 100 % of my $ returned and this debt removed and need this to be filed as a matter of public record that this collector directly violated my rights as an individual.
11/09/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30096	Web	Servicemember
XXXX is attempting to collect funds for Valuations services not provided or requested- see below. XXXX XXXX, XXXX responded to the false allegation on XX/XX/2022, and requested supporting documentation of XXXX XXXX ( Appraisal ) not provided to XXXX XXXX XXXX " We attempted to withdraw the {$5000.00} your business owes on its XXXX XXXX XXXX account but were unsuccessful. So we added a Returned Item fee of {$25.00} to the balance owed. The new total owed is {$5000.00} and due immediately. If youve already sent a payment, you can ignore this notice. How your business can pay Call us at XXXX to pay over the phone by credit card or check. If you have any questions, you can also chat with us. Or Click Here to upload a completed payment coupon using our secure portal. If your business can't pay the full amount, call or chat with us to talk about all your options. You can also get help managing your business 's XXXX XXXX Payments account in our Merchant Service Center. Thanks, The XXXX XXXX XXXX XXXX account : XXXX Business name : XXXX XXXX, XXXX Case number : XXXX ''
02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	ID 83605	Web
The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.
05/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 296XX	Web
On X/XX/2017 I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on XXXX and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the XXXX day window. I received a new credit report on the XXXX day and it showed no reporting of the mentioned debt/account being disputed by consumer. As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.
09/30/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 92116	Web	Servicemember
My wife was made aware of an outstanding debt she owed to XXXX XXXX College. She did not receive any notice and only found out about it when attemtping to request transcripts. The debt is from XXXX and neither the school nor the collection agency have described to us the nature or reason for the outstanding debt. The original amount owed was {$370.00} and has escalated up to {$1100.00} due to interest and fees per the collection agency. We have sent a debt vericication letter on XXXX/XXXX/XX/XX/XXXX and are still waiting for a response. After talking to them on the phone they offered to settle the debt for {$750.00}, without verifying the debt. Since we just want to take care of this we agreed to meet their settlement for {$750.00} but they absolutely refuse to provide us with a letter or email of verbal agreement describing the settlement. The only explanation they offered is that it is company policy.
12/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98366	Web	Servicemember
I just had a garnishment on my payroll check without prior notification from the debt collector, I was never contacted first before garnishment by either mail or phone call. Upon calling they informed me they sent out a mailing 6 days prior to first garnishment to my old mailing address. They informed me that the last time it was reported to my credit report was XXXX. The mailing was XX/XX/XXXX and the first garnishment was processed XX/XX/XXXX. I was not never contacted or called to make arrangements to pay the debt or was given 30 days to write a dispute for the debt. The original debt is from XXXX. In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they can not file a collection lawsuit.
09/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91761	Web
A landlord refuses to refund the security deposit and pre paid last month payment, and decided to hire a collection company XX/XX/2019 A collection company, Credit International Corporation in XXXX Wa. fails to serve any documentation. XX/XX/2019, XXXX XXXX called and notified that I wasn't responding and therefore they are going in to a collection process. I have repeatedly called back with no answers. XX/XX/2019, the collection agency reported a derogatory on all credit bureaus. Again this morning, a call was made and Mr. XXXX hung up again, failed to provide me with evidence of debt. A letter was written and sent to the Credit International Corporation and filed complaint with FTC and CFPB.
09/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 722XX	Web	Older American
Received email stating I owed money to XXXX XXXX for services never rendered. Tried to clear it up but was never sent statement of services owed so knew this was a scam. They then sent this to Credit International Corp in XXXX XXXX. They contacted me about payment and I also ask for statement of services. Again was never sent this. They reported to XXXX and caused my credit score to go down 100+ points. I reported them to the Arkansas Attorney General and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that Credit International was not a registered company in Arkansas and they contacted them and were sent to a fake website therefore that raised red flags to them that this is a SCAM.
05/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98258	Web
Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from XXXX XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with XXXX XXXX and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with XXXX XXXX is documented and they declined to the settlement offer.
05/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98531	Web
To whom it may concern, I received notification of a debt from a debt collector in XXXX. The original collector was XXXX XXXX XXXX in XXXX WA. I never used services from XXXX XXXX XXXX and took almost six months resolving this issue and getting this removed from my credit report. In XXXX this appeared on my credit report again, this time from a different debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX. I attempted to resolve this fraudulent account with XXXX XXXX XXXX and was treated rudely every time I contacted this company. My written correspondence to this company was ignored and as a final attempt I am reaching out to CFPB to resolve this issue.
03/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 980XX	Web
As far as I can remember, I never owed money from anywhere else, but on XXXX of XXXX, all for sudden and out of blue, I have received mail from collection agency and they are called 'Credit International Corporation ' stating that I have debt that went to their collection agency and stating that there is interest amount as well. but never received any other validation email from those folks prior to receiving this mail today. And I'm pretty sure I never used any service or goods without paying anything or never had a call from anywhere that I had due from them ...
07/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 993XX	Web	Older American
This debt appeared on my credit file as a collection. I have never done business with these people, I have never signed or authorized this debt. I have written to the credit collecting people, and they sent me a form with no signature and claim I am responsible for the debt., I have never done business with their client, I do n't even know who or what they are ( the client ), I am a XXXX year old XXXX person, who lives in a tiny town in Washington state. I dont know where this debt comes from as I havent been out of my state in 12 years
10/10/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WA 98004	Web
Collection appeared on my report that is not mine. I have not owned a car in almost 20 years so I dont see how this could be mine. No actions where taken against me, I was only notified through a credit alert. I believe this is some sort of identity theft. Collection Agency : Credit Intl Corporation Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$3300.00} Amount : {$2800.00} Reported Collection Credit Report : XX/XX/XXXX XXXX
05/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 99301	Web
The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.
03/18/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 16602	Web
My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.
01/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98516	Web
I received a notice of garnishment for a debt that is XXXX XXXX XXXX with no notification at all. The collection agency is Credit International Corp on behalf of XXXX XXXX and XXXX XXXX. I have never received any information from these people or this company. On the face of the writ it states its from XX/XX/2014
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 983XX	Web
The company had a false process server and I never received any notice of a court hearing and judgement was filed against me and now they are able to garnish my wages for something I have no knowledge of
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 983XX	Web
The company had a false process server and I never received any notice of a court hearing and judgement was filed against me and now they are able to garnish my wages for something I have no knowledge of
07/31/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98498	Web
XXXX XXXX threatened to sue me for a debt. This was not even owed by me. I got numerous emails threatening to sue and calling themselves investigators just to appear threatening.
09/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98201	Web
Says I owe XXXX from XX/XX/15 but for what I do not owe this. Again I contacted company several times not willing to remove ...
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76040	Web

12/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30308	Web

11/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30308	Web

10/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07024	Web

06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76051	Web

05/18/2023	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	FL 33021	Web

10/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37219	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web

11/17/2020	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 Investigation took more than 30 days	WA 98188	Web	Servicemember

05/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98092	Web

07/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98105	Referral	Servicemember

03/26/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98033	Web

03/26/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98033	Web

09/12/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98338	Web	Servicemember

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98208	Web	Servicemember

04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98270	Referral

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98258	Web

02/04/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	WA 98155	Web

10/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48237	Web

10/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33134	Web

04/11/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	VT 05733	Web

01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	WA 98248	Web

08/07/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98531	Web

06/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98037	Web

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 20187	Web

01/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	WA 98258	Web	Servicemember

09/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WA 98532	Web

08/21/2014	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	WA 98045	Web

07/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 23507	Web	Servicemember

05/11/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	WA 98513	Web

12/11/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29033	Web