Credit Protection Association, L.P. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46201
Web Servicemember
1. My name is XXXX XXXX XXXX. I live in XXXX, XXXX XXXX, Indiana. 2. Credit Protection Association L.P. is a bona fide fdcpa-defined debt collector. In this instance, they were collecting charges for XXXX XXXX XXXX for personal, home internet service. I will call this debt collector " CPA '' in this complaint. 3. In the fall of XXXX I signed up with XXXX XXXX ( now known as XXXX for broadband internet service for my residence located at XXXX XXXX XXXX, XXXX, Indiana XXXX. 4. I used this internet service for primarily, if not exclusively, for personal, family and household purposes. 5. At some point in late XXXX or early XXXX, I fell into arrears on his account payments with XXXX. 6. After I fell into arrears on my account payments with XXXX XXXX deactivated my home internet service and forwarded my account to CPA for collection. 7. CPA sent me several dunning letters through the United States mail in an attempt to collect on the subject debt. RECORD OF COMMUNICATIONS FROM CPA TO XXXX and BY XXXX TO XXXX and to CPA ( Prior to XXXX XXXX ) : Initial dunning letter from CPA. Responded to in writing and to automated dispute line XXXX XXXX : Second dunning letter from CPA. XXXX XXXX : Third XXXX letter from CPA- This letter irritated me because I HAD DISPUTED the debt in writing and by telephone. I perceived this as a violation of the FDCPA Section 1692g ( b ). XXXX XXXX : Fourth dunning letter from CPA. This letter, too, irritated me because I HAD DISPUTED the debt in writing and by telephone. I perceived this as a separate violation of the FDCPA Section 1692g ( b ). XXXX XXXX : XXXXXXXX XXXX receipt from XXXX showing account was PAID IN FULL. The CSR at XXXX agreed that if I were to restore service that XXXX would drop the amount owed by the disputed {$20.00}, from {$150.00} to {$130.00}. I paid a total of {$230.00}, which covered the ENTIRE outstanding balance and then the amount required to restore service. XXXX XXXX : Invoice from XXXX. Despite their agreement, XXXX is now dunning me for the {$20.00} disputed installation fee that was forgiven as a part of restoring service. This record does unequivocally show that my only debt to XXXX is for CURRENT charges and no overdue charges. XXXX XXXX : Fifth dunning letter from CPA. This is the letter that stated CPA had ( wrongfully ) reported me to the " CREDIT BUREAUS ''. XXXX XXXX : Invoice from XXXX. This invoice shows that XXXX finally agreed to waive the disputed {$20.00} installation fee. This invoice shows that I am current on my account with nothing " overdue ''. XXXX XXXX : Sixth dunning letter from CPA, once again attempting to collect a non-existent debt, without ever having stopped collecting to validate the debt. XXXX XXXX : My detailed letter to CPA telling them how they have " XXXX up royal ''. XXXX XXXX : Seventh dunning letter from CPA, STILL attempting to collect a non-existent debt. I consider this letter and the one from XXXX XXXX to constitute Mail Fraud as defined in federal law. CPA has used the mails to transmit literally false statements in an effort to obtain money. They are using extortion tactics to try and make me pay this debt TWICE as a condition to having my consumer report files updated as " account paid '' ( 7th letter 's language ) or " paid as satisfied '' ( 6th letter 's language ). 8. Within 30 days after receiving CPAs initial written communication, I disputed, with a written explanation, the first {$20.00} of the debt in writing and demanded verification thereof. 9. I also called the telephone number provided by CPA in order to create and electronic record of the disputed {$20.00}. 10. CPA did not provide verification of the disputed portion of the debt but rather sent more dunning letters. 11. On XXXX XXXX, XXXX, CPA sent me a letter stating, in pertinent part, that [ My ] account would be reported to the credit bureaus in approximately 30 days. 12. On XXXX XXXX, XXXX I paid to XXXX at its local office the entire amount claimed by CPA to be due. 13. On XXXX XXXX, XXXX CPA sent me a letter titled NOTICE OF REPORT TO CREDIT BUREAUS, stating within that my account had been turned over to the credit bureaus and that adverse credit information will remain in my records for several years. 14. On XXXX XXXX, XXXX I sent CPA a letter stating, in part, that I had timely disputed the first {$20.00} of the debt, in writing and by telephone call to CPAs automated line, and that I had paid the debt in full within the timeframe specified to avoid having the debt reported to the credit bureaus. 15. On XXXX XXXX, XXXX CPA sent me a letter stating, in part, that CPA had closed its collection file on my case and that the matter had been updated at the credit bureaus as account reported in error, please delete from credit file. ( bold in original ). 16. CPAs debt-collection misconduct constitute the type of violations that I suspect are involved with many other consumers. The idea that a company of this size has adopted and implemented reasonable procedures to avoid these types of clear FDCPA violations is ridiculous. MY CONTENTIONS : I CONTEND THAT CPA committed AT LEAST the following violations of the FDCPA : I disputed the ( first {$20.00} of the ) debt and demanded verification : CPA persisted in dunning me without providing validation. At a point when my account was PAID IN FULL, CPA made literally false and defamatory statements to one or more credit reporting agencies about me. Although the dunning letters state that CPA has attempted to contact me several times " by phone '', I do not have any record whatever on the only telephone and telephone number that I have. I believe that this too shows that CPA has, again, made literally false statements in writing in an effort to obtain money from me under extortionistic and false pretenses. As an aside, which I consider utterly irrelevant to the CFPB 's mission or jurisdiction to investigate this Complaint, I make your Bureau aware that I did file a suit against CPA, but I have DISMISSED this suit against CPA and am not presently pursuing any legal action against them.
09/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75070
Web
I have never owned a vehicle with the licensed plates XXXX ( TX ) Account Number : XXXX XXXX : XXXX This company has the incorrect registered owner. If they do their homework correctly they will see that XXXX XXXX has never been the registered owner of the license plate listed above. Notice Date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit Protection Association, LP c/o XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Account # XXXX To Whom It May Concern, This letter is regarding Account # XXXX, which you claim I owe {$1500.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Credit Protection Association. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER HAD A VEHICLE REGISTERED TO ME WITH THE LICENSE PLATE XXXX ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Credit Protection Association, LP. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Credit Protection Association, LP. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX ATTACHMENTS Credit Protection Association, LP.pdf ( 568.5 KB )
05/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I have never owned a vehicle with the licensed plates XXXX ( TX ) Account Number : XXXX. XXXX : XXXX. This company has the incorrect registered owner. If they do their homework correctly they will see that XXXX XXXX has never been the registered owner of the license plate listed above. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit Protection Association, LP c/o XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern, This letter is regarding Account # XXXX, which you claim I owe {$41.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER HAD A VEHICLE REGISTERED TO ME WITH THE LICENSE PLATE XXXX ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Credit Protection Association, LP. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Credit Protection Association, LP. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
05/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I have never owned a vehicle with the licensed plates XXXX ( TX ) Account Number : XXXX XXXX : XXXX This company has the incorrect registered owner. If they do their homework correctly they will see that XXXX XXXX has never been the registered owner of the license plate listed above. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit Protection Association, LP c/o XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern, This letter is regarding Account # XXXX, which you claim I owe {$160.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER HAD A VEHICLE REGISTERED TO ME WITH THE LICENSE PLATE XXXX ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Credit Protection Association, LP. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Credit Protection Association, LP. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
05/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I have never owned a vehicle with the licensed plates XXXX ( TX ) Account Number : XXXX. XXXX : XXXX. This company has the incorrect registered owner. If they do their homework correctly they will see that XXXX XXXX has never been the registered owner of the license plate listed above. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit Protection Association, LP c/o XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern, This letter is regarding Account # XXXX, which you claim I owe {$41.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER HAD A VEHICLE REGISTERED TO ME WITH THE LICENSE PLATE XXXX ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for Credit Protection Association, LP. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from Credit Protection Association, LP. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
06/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 347XX
Web Older American, Servicemember
Many months ago I applied for a mortgage and the bank got XXXX reports and scores. When XXXX was more than XXXX points lower than the other XXXX it was the first time I realized XXXX XXXX ( formerly XXXX ) had reported a debt of {$520.00}. Long story short, in the move from one rental house to another my daughter mistakenly forgot to return one of th e cable boxes to them. Instead of informing me regarding the missing box they sent the missing cable box notice to the old rental! That rental house was never used as the billing address nor was it where they ever sent a monthly bill. Since I was the responsible party ( paying the monthly bill ) I had them send the bill to my home. Why they decided to send any type of notice to the old rental property after more than a year is baffling. Based on that I never knew about this missing box. It was not until I had the XXXX credit reports sent to me from the bank where I applied to the mortgage did I even know there was a problem. As soon as I was made aware of the problem, I quickly located the unreturned box and brought it over to them. They completely acknowledged that the mailing address for the bill had always been my home and always paid on time. Ironically, we even received a credit back from them when service was discontinued at the rental! They sent that to my ho me ( billing address )! They ( XXXX ) ass ured me that this would be removed as a " debt '' from my report and apologized for the problems this had caused me. The supervisor explained that they just assign an amount significant enough that people will return their equipment. This was many months ago and XXXX explained to me today that actually XXXX really has no way to make this happen because they turned it over to the collection agency and no matter how many disputes I have filed they refuse to change the status of my account. They maintain that I " paid '' the {$520.00} but it was seriously in arrears and that 's their final decision. Because I am trying to condense all the details, XXXX assured me that this negative information on my report would be completely removed as soon as we gave back the box. The {$520.00} WAS NEVER OWED AS A BILL ... .THEY SIMPLY ASSIGN A " WORTH '' OF THE BOX so people pay attention and return the box. They assured me back in XXXX that it would take a month or less and it would be completely removed from my credit and no longer be reported as an " overdue account '' eventually satisfied but that has never happened. It still appears as though I owed XXXX {$520.00} but finally paid them which continues to affect my credit score ve ry much. Countless phone calls to CREDIT PROTECTION ASSOC. along wit h letters and three d isputes filed by me with XXXX has done nothing. In fact, XXXX even called the collection agency today while I was on the phone with XXXX . The call was an endless menu of basically nothing. XXXX has done everything they could to help me and they are the ones who told me about your agency which is why I am contacting you. I have never had a " late '' payment in my life and my credit is extremely important because I own a business that requires me to maintain excellent credit. In a nutshell I never owed any money to XXXX ( only a box ) but the collection agency refuse to stop reporting me as though I owed {$520.00} and finally paid it. Calling XXXX is a waste because all they say is " you never owed us money just th e one bo x which you did return ''. Please help me in any way you can. CREDIT PROTECTION ASSOC. continues to report it as a debt that I finally " paid ''. They are unwilling to change the status of their reporting even though it is grossly inaccurate. They acknowledge that I no longer " owe '' the {$520.00} but they refuse to stop reporting it as finally " paid ''. Thank you for any help you can give me. This inaccurate reporting is hurting me badly. XXXX XXXX CREDIT PROTECTION ASSOC. XXXX XXXX XXXX XXXX XXXX XXXX , TEXAS XXXX
07/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78729
Web
I have been struggling for more than 7 months a with a collection that I don't owe. I was unfairly billed by my internet company XXXX XXXX in XXXX back in XX/XX/XXXX after 2 months I had closed my account with them ( XX/XX/XXXX ). The cable company billed me for the remaining months although I moved from the property and called to cancel the service with good timing. I only received one bill in the mail for {$150.00} when I was supposed to owe one month left. I called XXXX and the customer service representative told me to wait and not pay since the systems takes time to fully update and that I should receive a final bill later on. I never got the bill. It was until XX/XX/XXXX that I got a collections letter from Credit Protection Association L.P stating that they wanted to collect the {$150.00} for their client XXXX XXXX.I called to dispute the collection agency and they put my case on hold. Then I reached to XXXX again and after explaining the situation they agreed that the amount was wrong and that I should only have to pay as final bill the amount of {$57.00} which I paid through the phone that same call, and then was told that the billing department would clear that out. For my surprise nothing was cleared out.One month later I got another letter from Credit Protection Association stating that they talked to XXXX and that now the actual amount I owe is {$94.00}. I dispute the charges again, but sadly by this time the collection record already is appearing in my credit report and that dropped my score by almost XXXX points, which I found out when my wife and I were applying for a Mortgage per-qualifictaion. So I reach again to XXXX XXXX, and looks like they just did not keep record of the first call because the agent again tells me I owe {$94.00}. I explain the situation again, she checks my records and agrees that there was a mistake and that I do not owe them any more and that she will put a ticket in place for the collections department to clear that out. I call one week later to verify that they did what they said took place, and again, for an infuriating surprise no change, I was still owing them. I was advised by my financial counselor to reach to an agreement with the collections agency to pay only if they agreed to delete my record so it does not appear anymore in my credit. I did contact again Credit Protection Association and the representative told me that they are not able to delete the record, at least not without the consent of their client XXXX XXXX. The representative told me that I should pay first and that they will get me a letter that I should then mail or fax to XXXX and then they will communicate back to delete the collection record. I stated on that call that I do not agree with the charges but that I was willing to pay if that helped to clear my credit record because I was in the process of buying a house. So I paid. I got the letter from the CPA 2 weeks later were they stated I had paid in full. I reached to XXXX communications again and after explaining the whole situation again, they again agreed that I should have not paid that and gave me the fax for the collections department. I faxed the CPA letter along with another letter explaining the situation and that the only thing I was asking was to get my credit record cleared. I never got a response back. I contact again XXXX communications and I had again to go through the whole story again before the Customer Representative to tell me that he would raise another ticket for the collections department to investigate. I contacted XXXX 3 more times and I always got the same answer : " Yes dear customer you are correct you should not have been billed that amount and we will raise a ticket to clear your record out ''. I gave up on the hope that something would get fixed. In the end my financial counselor told me to come and file this complain, so here I am and I hope this helps other people going through the same pain.
07/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30126
Web Servicemember
On Friday, XXXX XXXX, 2016, XXXX ( EST ) I received a call from ( XXXX ) XXXX XXXX to my personal cell number from a Debt Collector, Credit Protection Association in an attempt to coerce me into paying the alleged amount by asking me personal questions such as how often do I get paid? When is the next time I will get paid? Am I refusing to pay over {$200.00} for an alleged debt owed to XXXX? Credit Protection Association intentionally violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 8 ) by " communicating and threatening to communicate to any person [ false ] credit information, including the failure to communicate that a disputed debt is disputed. '' I am disputing the validity of this debt or any portion thereof, thus I am requesting verification of the debt by providing me with a copy of the judgement and verification of the seriously overdue account from XXXX in the amount of whatever is allegedly owed because I do not believe I owe what XXXX and Credit Protection Association say I owe. During the Debt Collector Credit Protection Association 's initial phone call to me on Friday, XXXX XXXX, 2016 in an attempt to coerce me into paying the alleged amount, this company intentionally violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 8 ) by " communicating and threatening to communicate to any person [ false ] credit information, including the failure to communicate that a disputed debt is disputed. '' Please be advised in accordance to the Fair Debt Collection Practices Act, Fair Credit Reporting Act ( FDCPA ), Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following information : ( 1 ) Tell me when the creditor claims this debt became due and when it became delinquent ; ( 2 ) What the money you say I owe is for ; ( 3 ) Explain and show me how you calculated what you say I owe ; ( 4 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; ( 5 ) Verification or copy of any judgment ( if applicable ) ; ( 6 ) Proof that you are licensed to collect debts in Georgia. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act ( FDCPA ) and other consumer protection statutes. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law. you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate.
08/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93307
Web
Today my husband attempted to contact Credit Protection Association because we are in the middle of purchasing a home and we are being denied because the lender says there is a collection reporting that is preventing me from qualifying for the loan. Credit Protection Association is reporting a XXXX debt on my credit report that I have never been notified about. They stated that it was for an account that was closed in 2013. When my husband asked them why I have never received a bill from them or XXXX nor a phone call, they told him that they had attempted to send letters to an old address of mine and call a phone number that I have n't had in years. They even had my name spelled wrong. My husband informed them that we had closed the account out years ago with XXXX because we were moving address and even turned in all the equipment. We also paid any balance that XXXX stated was owed in order to close the balance out. Because no money was owed, and no contact was made to me in order to take care of any supposed balance owed either by phone or mail, my husband asked Credit Protection Association if by paying this supposed debt they could simply remove it from my credit report since I was never given my rights to dispute this debt under the F.D.C.P.A. making this debt invalid. Credit Protection said no because they did n't own the debt but rather XXXX did and therefore they could n't delete the account from the credit report without XXXX permission. I even spoke with a floor supervisor named XXXX and she stated the same thing. My husband was a debt collector several years ago so I know that is not true. Because Credit Protection Association is the reporting party, and because they have not complied with the F.D.C.P.A, they HAVE to delete the account for not giving me a proper validation notice. Regardless, my husband called XXXX to expedite this matter. When he called XXXX, he spoke with a customer Service representative named XXXX. He also could n't find the account under address or phone numbers given to us by the collection agency. He even confirmed that the named was spelled wrong. When my husband spoke to him, he informed XXXX about the situation and XXXX agreed that equipment was turned in but that the balance owed was a closing of the account balance. Because we did n't want to argue with him my husband also offered him the same deal. Because I was never notified of this debt and given a proper chance to take care of it, my husband asked XXXX if we simply paid this debt would it be removed from the credit report. XXXX said yes. He even said it would be given in writing. My husband then asked a second time to confirm that upon payment in full this would be deleted from my credit report and given in writing and XXXX again said yes. I have the conversation recorded and I will provide it to you. He even gave me the address to go in person and pick up the letter today. I went in person today and attempted to fulfill the agreement and I was told that XXXX would not delete it from my credit report. They said it would only be shown as paid in full. To make a statement like XXXX did and then be told that is not true by the local office is a bait and switch tactic and a false statement or representation. It is also against the California XXXX Fair Debt Collection Practices Act as that act applies even to original creditors collecting debts as XXXX is doing. At this point I am fed up and am going to be suing both Credit Protection Association and XXXX if they do not stop reporting this account as what they have done is illegal. They are collecting a debt that has never been billed to me nor have I been given my right to dispute and they are giving false statements in order to collect a debt and are illegally preventing me from obtaining credit.
11/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • VI
  • XXXXX
Web Older American
During my absence from the territory ( from XXXX to XXXX upon retiring from civil service ), an individual i left as housesitter failed to pay the XXXX bill registered in my name-the person moved out and never said anything. Unknown to me, the XXXX Co had attempted to collect the monies owed and subsequently referred my name to the Credit Protection Ass'n, L.P. I was not aware of this situation until I returned to the territory after receiving medical care in the states on Wednesday XXXX XXXX, XXXX. Upon learning about this situation, I contacted the agency XXXX XXXX in an effort to resolve this. I agreed to make an automatic payment of {$740.00} as was required and received a confirmation # by the representative : Confirmation # : XXXX. Subsequently I received another call from the same CPA representative that the payment had not processed. I immediately called my bank and was informed that they had in fact received the request for payment which had been approved but that they had XXXX48 hours with which to process the payment. I shared this information with the CPA representative who spoke to his Supervisor and it was agreed they would wait until the next day. I also asked the Representative if my case had been reported to the Credit Bureau as I had never been informed about this debt. He answered it had not yet been sent but was glad I was trying to correct the situation. Next day XXXX XXXX, I received another call from CPA that the payment had not been processed and that I would have to give them the information again. I explained the Bank informed me the payment had been approved and that the merchant ( CPA ) would have to release the hold in order to receive the payment. This was explained to the CPA representative who then informed they did have problems with their system and had been unable to receive the payment. Nonetheless, they still needed my credit card information to reprocess the payment. At this point i decided to contact the local XXXX XXXX and informed them of my efforts to make restitution on the account. My case was referred to the Supervisor who was going to inquire into the situation with CPA. I received another call from CPA, this time from the representative 's Supervisor who explained they had not received the payment and that I would have to provide the same information to reprocess the amount owed as the CPA representatives do not keep the credit/debit card information shared by individuals on file. I questioned this as I did not want to make duplicate payments for XXXX debt ; she explained that once the information was sent back to the Bank, they would only process XXXX payment. I agreed to provide the information and received a confirmation number for this transaction : # XXXX. I immediately contacted the bank to inform them of this situation. I was informed I would have to wait at least 7 days for the first debit to be canceled since CPA had submitted another request. I asked they make sure XXXX payments are not processed, only XXXX. My concern is that despite being told my situation would not be reported to the Credit Bureau, it was. I received an email from my ID CARE ( Identity Fraud Protection Program ) dated XXXX XXXX, that here had been a change in my credit information which turned out to be a debt report for the above-mentioned situation. I believe the communication from CPA was not true when I was informed my debt had not yet been sent to the Credit Bureau especially when i was trying to fix the problem. I am concerned about my credit rating situation.
05/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 200XX
Web
This complaint is a corollary of my complaint about XXXX, case number : XXXX. Even assuming I owed XXXX, the last due date presented was XXXX XXXX, 2015. There was no default or delinquency present when Credit Protection Association began calling and mailing me, which was PRIOR to the due date of XXXX XXXX, 2015. Thus Credit Protection Association was attempting to collect a debt they had no legal right to collect and their conduct constitutes an illegal practice and harassment. Details follow below. On XXXX XXXX, 2015 I moved from XXXX XXXX attempted to transfer my service but was unable to do so, and so I cancelled all my services on XXXX XXXX, 2015. I called twice to verify that the cancellation had occurred and was effective as of XXXX XXXX. Because I had already paid for the entire month of XXXX, I was due a refund of {$21.00}. I later discovered that XXXX failed to disconnect all my services on XXXX XXXX as I asked, when I was subsequently billed for internet service which was not disconnected until XXXX XXXX, 2015. I received a bill dated XXXX XXXX, 2015 in the amount of {$36.00} due XXXX XXXX. I was assured by a XXXX representative in a phone conversation on XXXX XXXX that there was in fact no amount due from me, and that the bill dated XXXX XXXX, 2015 was an error. However, a few days later Ireceived a new bill, dated XXXX XXXX, 2015, in the amount of {$36.00}. This bill had no due date, but instead said " Due Now ''. I filed a complaint with XXXX. They put me in contact with XXXX 's Executive Customer Relations Department. On XXXX XXXX, 2015 I received a call from XXXX XXXX of XXXX. He called to inform me that a credit of {$36.00} had been applied to my account, and that I had a zero balance. On XXXX XXXX, 2015 I received a letter from a company called Credit Protection Association ( CPA ) dated XXXX XXXX, 2015 that said XXXX had turned the account over to them for collection. I called XXXX XXXX on XXXX XXXX, 2015 to inquire about this letter, but my call was not returned. As far as I am able to determine, I XXXX received a call from CPA on XXXX XXXX, 2015, the day my account was allegedly credited. I continued to receive phone calls from Credit Protection Association ( CPA ) until my check for {$36.00} to XXXX was cashed. I do n't know if this affair is the result of deception or just the workings of a large bureaucracy, but I am curious about the legality of XXXX sending my account to a collections agency even though I had not defaulted, nor was I delinquent, and after I was told the balance was zero. On XXXX XXXX, 2015 I contacted XXXX 's Executive Customer Relations Department to inquire about getting back my {$36.00}, however that call has not been returned. I have copies of every bill mentioned in this letter, as well as the voice mail from XXXX XXXX stating that I have a zero balance on XXXX XXXX, 2015. I also have the printout of a screen shot from XXXX XXXX, 2015 of another XXXX representative informing me on XXXX that a credit for {$36.00} had been placed on my account and I had a zero balance. If this was deception, it sure worked, because after all this I 've all but given up on getting my original refund of {$21.00}, while XXXX was able to extract {$36.00} more from me all the while claiming I did n't owe them money! Note : I may be spelling XXXX XXXX 's name incorrectly, as I am guessing the spelling based on hearing him say it. He can be reached at XXXX.
11/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33624
Web
Summary : I was billed for cable/internet services from XXXX XXXX for a property ( XXXX XXXX ) that I was not living in. The XXXX account was previously my account, which was turned off XX/XX/XXXX when I moved out. Moved to a new property XX/XX/XXXX, not sure how the account was even re-activated 9 months later in XX/XX/XXXX. At the same time, I did have an active account with XXXX for a separate property ( XXXX XXXX XXXX ), and I am up to date on my payments. I was billed incorrectly, and I should not have to pay the existing debt for the XXXX Property, and i am asking that it is removed from my credit report. Details : I was the tenant of a rental property on XXXX XXXX . While renting that house I had internet/cable services through XXXX XXXX.At the time when my lease was up ( Move Out date XX/XX/XXXX ), I cancelled my services with XXXX, and provided them a forwarding address for my final bill, which was XXXX XXXX. I paid my final bill, and actually was receiving notifications for about 8 months that I had a credit of {$60.00}. I move ( Move In date XX/XX/XXXX ) into a new property on XXXX XXXX XXXX . I again chose XXXX as my internet/cable provider, and created a new account. ( Now, i had to cancel my first account and then create a new account later because i knew i was going to have a gap where i did not need services ) Still live in the property on XXXX XXXX XXXX , and still paying XXXX for the services. Then, I receive collection notices. My old XXXX account from when i lived on XXXX XXXX was some how re-activated, and XXXX is stating that i owe them for services used at XXXX XXXX , a property which i did not live in at the time the services were used. Charges equate to {$310.00} ( they applied my credit they still owe me to this debt ) for the following time period, XX/XX/XXXX through XX/XX/XXXX. I was actually living on XXXX XXXX XXXX during this period of time, and paying XXXX on a different account. The charges that XXXX is stating I owe, are for a property that i did not live in while services were being used. ( They need to go after the new tenants at the XXXX property for that money lol, JK ) What I have done? .... First site of the collection letter and I called XXXX. Spoke to a Tier 2 aka Manager in XX/XX/XXXX. After a long call I talked him through the situation, and he saw that an error occurred. Manager agreed I did not owe the money. I thought it was resolved, and then I receive a collection letter from XXXX XXXX ( Credit Protection Association ). I was told it was an " Off Line Collection Team for XXXX. '' I was sent back and fourth between XXXX and there Collection Department, each telling me that it was in the hands of the others. People were sweet and kind, but not helpful at all. Disputed it with both, and also disputed it with the Credit Beau. All declined the disputes. I spent a lot of time on the phone, and no one has been able to help me solve my issue, and it seems so obvious that i do not owe this money. I am not the owner of the house where services were used, and i did not live in the house when the services were used, and i don't know the people who were living in the house when the services were used. Also, not sure how the account was activated the second time. I have all the documents you could possibly need to prove that what i am stating is true. Leases for every property, monthly statements from old account and new account.
11/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 786XX
Web Older American
Dispute with XXXX XXXX On XXXX XXXX, XXXX, I contacted XXXX XXXX to initiate Internet and phone service. I was told I could use my own modem for the internet. They were supposed to turn on service but did not activate it and in calling them a number of times, I found out that I did need to use their modem. Since I was leaving town before that could be done, I cancelled my request for service. I talked to XXXX who confirmed the cancellation and gave me a confirmation number of # XXXX. Meanwhile, I retained my internet and phone service with XXXX XXXX XXXX XXXX now XXXX XXXX putting the phone on a seasonal hold, cancelling cable and keeping the internet active to use with my security camera. In XXXX XXXX, I got a bill from XXXX XXXX for {$100.00}. I called them and was told that it was a mistake and that it might take a few cycles to cancel the bill. They could see the account was never activated. In XXXX and XXXX XXXX, I got more bills showing I owed them {$100.00}. Each time, I called XXXX XXXX and was told it was an error and they would take care of it. On XXXX XXXX, XXXX, I got a letter saying I would be turned over to a collection agency if I did not immediately pay the {$100.00}. I called XXXX and found out that they had already sent my bill over to the collection agency and I would need to call them. On XXXX XXXX, XXXX, I called Credit Protection Association ( CPA ) at XXXX XXXX and spoke with XXXX XXXX, who said he would initiate a dispute on my behalf. My CPA reference number is XXXX. On XXXX XXXX, XXXX I got a letter from XXXX, saying a dispute had been filed with XXXX XXXX. On XXXX XXXX, XXXX, I called XXXX XXXX and spoke with XXXX XXXX XXXX XXXX. He said the dispute could take 24 hrs to 30 days but he had adjusted the amount owed to {$0.00}. He said because the bill was over {$100.00}, it had to go thru a more rigorous process. XXXX assured me it would be taken care of and gave me his personal extension of XXXX. I made three calls beginning XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, to XXXX and left messages on his voice mail saying that I have been getting almost daily calls from CPA about the collection. He never returned my calls. On XXXX XXXX, XXXX, I got another letter from CPA saying that I will be reported to the credit bureaus in approximately 30 days, if I do not pay. On XXXX XXXX, XXXX, I called XXXX XXXX and talked to XXXX, I asked for a supervisor and she connected me to a Florida office and I talked with XXXX. She said she could see that my account was not activated but I would need to be transferred to a collections supervisor. She also suggested calling CPA and filing a dispute. I told her I had already done that and filed a dispute with XXXX as well. She attempted to transfer me to collections and I got disconnected. Despite the fact the XXXX took my home phone number down in case we were cut off, she never called me back. I currently have an excellent credit rating and if this matter is turned over to the credit bureaus, it will be negatively impacted. Someone, please help me to stop this harassment for a bill I do not owe.
08/04/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 74012
Web
Received a notice from a company by the name of Credit Protection Association LP attempting to collect a XXXX XXXX bill. First, name of company is misleading under Sections 807 and 808 of the FDCPA. I sent a letter X/XX/17 disputing the balance because I had never received a bill for this amount from XXXX. After sending the dispute letter, I went to the local XXXX XXXX office. I had moved and started service with them at the new house and discontinued service at the old house. XXXX had failed to put the new address on the old account so I never received a final bill. The old on-line account had also been disabled when service was moved so I could not go and see what I owed. I paid XXXX on XX/XX/XXXX the full amount owed of {$190.00}. XXXX manager admitted that not entering the forwarding address was a big problem and that their staff would be counseled on the proper procedure. Also notice the letter from Credit Protection had my old address ( see attached ) further showing the XXXX made an error by not putting a forwarding address on the account. We did have a USPS forwarding order on at the old house but we did not receive any forwarded bill from XXXX. I assumed that Credit Protection Association LP would contact XXXX due to my dispute letter to confirm the amount owed. But apparently they do n't have enough time to do that, so they just continue to send out letters demanding payment on an account that has already been paid. On XX/XX/XXXX received another letter from Credit Protection Association LP. I called them and asked why they were sending me another collection letter when I had disputed the account. The first person I talked to said that my letter did not qualify as a dispute. Even though my letter said : " I am hereby challenging your notice that I owe {$190.00}. '' ( See attached ) This is clearly a dispute of the balance owed. I then talked with a supervisor named XXXX and asked why they were still trying to contact me. She said their system indicated that they received a letter, but that it was not a dispute letter. After arguing with XXXX for several minutes and realizing she was n't going to do anything, I asked her to transfer me to the FDCPA compliance department. XXXX refused. She did give me a number XXXX XXXX. I called the number and the company name was completely different than Credit Protection Association LP. Something like XXXX XXXX. The extension she gave me was false because when I entered it, it disconnected me. I called back and opted out to the operator and asked to be transferred to the Legal Department. I left a VM for " XXXX ''. So my complaint is : 1. that the name Credit Protection Association LP is misleading. It makes them sound like a credit counseling company. I am sure others have been mislead. 2. they contacted me after receiving a dispute letter. 3. when I got on the phone with XXXX , she failed to repeat the mini-Miranda warning. 4. she did not transfer me to an FDCPA compliance person when requested. 5. they continued to try an collect a debt after it had already been paid.
07/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • XXXXX
Web
I have a XXXX account # XXXX. Back in XXXX my bill of {$250.00} was paid by a second party roommate directly from her checking account. My roommates name is not on the account. The payment was never posted to my account. We immediately started the process to locate the payment. We sent proof of payment via bank statements and signed notarized letter from the bank stating the transaction number, the tracer number, the amount and date it was sent electronically. We hand delivered, mailed, faxed, and emailed all proof of payment on many different occasions. We continued to be told the payment was being reviewed. The bank sent a " train '' document directly to XXXX accounting department per their request via fax. After months of not seeing a credit to my account, I started to receive collection calls. I immediately contacted the collections department with my concerns. My service was indeed interrupted. After speaking with several collections reps and customer service reps, I was advised the collections department was n't made aware my account was in dispute. My service was restored. A few more weeks went by and still no credit to my account. At this point I hired an attorney. The attorney sent a Letter of Representation to XXXX which they acknowledged. My attorney re-submitted all of the proof of payment documents to XXXX accounting department. At this point it was found the payment was sent to XXXX XXXX in error. Apparently XXXX XXXX is the parent company of XXXX. The bank account the payment came from is located in the XXXX. When the auto pay was set up, it was set up using the incorrect cable company address. While I take full responsibility for this error, we also showed proof that the front of the check showed the correct account number. The check was never returned to the maker nor were the funds refunded to the account. The attorney was in contact with the XXXX XXXX accounting department. They advised in writing a refund would be sent via paper check and sent to the attorney. This refund check was never received. On Friday XXXX XXXX, 2016 the attorney sent another certified letter to XXXX XXXX requesting an update. In the meantime, I have received dozens of collections calls from XXXX attempting to collect this debt. It is important to note I have continued to pay any current balance owed. The attorney also wrote to XXXX reminding them I was disputing the account and I was represented by an attorney. the collection calls have continued as of the date of this complaint. On Friday XXXX XXXX, 2016 my attorney received a letter from a company called XXXX. The letter states that a buy out took place and they are now the parent company for XXXX and XXXX. The letter states all correspondence will need to be sent to XXXX. I am extremely frustrated with the responses from XXXX and XXXX XXXX. The continued collections calls are a violation of the FDCPA. Please help me resolve this matter. It has now been nearly six months since payment was sent
01/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 01760
Web
on XX/XX/19 I was contacted by Credit Protection Association L.P ( CPA ) using an automated robo call. The call itself was news to me since I had not received any notification in the mail of any debts owed. The call was also highly suspicious due to there being 1+ minute long pauses in between information being said. I called the number back and found out that XXXX XXXX had sent my account to collections. After I found out the information I needed to I told them not to contact me again or I would take legal action. I immediately called XXXX XXXX to ask what was going on, since I had an agreement ( or so I thought ) and payments were being made each month to pay down the balance. At this time I also paid the balance off in full directly to XXXX XXXX and requested a letter that showed this. The letter was sent the following day on XX/XX/19. I followed up with CPA telling them that there was no longer any money owed to XXXX XXXX, and that I am requesting that they remove all information they have about myself from their system. The refused. I spoke to someone in client services at CPA and was told they would call XXXX XXXX right now to confirm the payment and would call me back, neither of those things happened. A few days after the 24th a letter finally arrived notifying me of the debt, which at this point had already been paid. I disregarded it as I was still waiting at this point for the woman from client services to call me back and I had a letter from XXXX XXXX telling me it was paid. Fast forward to today XX/XX/19 and I have received a second letter from CPA identical to the first. The first one is dated XX/XX/19 the second XX/XX/19, They send a second letter to me before I even received the first one. So I called CPA back to speak to someone about why they still have my information in their system and why they have sent me this second letter that they sent out a day after the debt was paid. I asked to speak to a supervisor and they transferred me to a phone line that rings once and then just stays open on the other end. This happened to me 4 times. They had no real intentions of dealing with this situation. I finally got a hold of a supervisor name XXXX, who I have spoken to before. Instead of giving me any answers he just referred me to their legal department ( as he had done previously ). However from the first time I know that their legal department is just one person named XXXX. When transferred to her it always goes to voicemail. Today I was able to get a hold of XXXX I had the operator keep me on hold until she could get her for me. XXXX however did not want to answer questions and told me that I should be worried about paying my bills on time. This was quite rude as she does not know what has or hasn't happened with my bills. She then told me that my Girlfriend left me and that I was destitute, again XXXX doesn't know anything about me so why would she say that? I asked for her bosses name and she refused.
02/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76034
Web
XXXX XXXX was the sole service provider for my internet services from XXXX. They had the exclusive contract as the service provider. We sold the property and moved late XXXX. The new owners set up service prior to moving in at the same address. I call XXXX on XX/XX/XXXX to let them know we are out and to terminate the service as that would be duplicated service at the same address. Furthermore I told them we had options for service providers at our new house so we wanted to terminate and pay the final bill. They gave me a final amount of {$270.00} and stated it was good because the billing cycle was XX/XX/XXXX. The agent was trying to get me to move service to the new location but I told him the service was inferior to our options. He said he was just making some notes and was making sure it got terminated. His agent number was XXXX. I felt by his speech he was manipulating. We received a final bill with my new address where service was never set up for {$95.00}. I called them to find out what the services were as we had paid the final bill in full. That service agent said it was odd as it showed a new connection fee and other miscellaneous fees that totaled {$100.00}. She said that she would send us an email to show it was paid in full as we described but we never received it. We had set up XXXX that same week so this charge was fraudulent. I then received a notification from a collection agency Credit Protection Association LP in XXXX TX. I called XXXX and spoke with XXXX ( Agent # XXXX ) and she said she didnt understand the charge but, I had to deal with this collection agency since it was nothing she could help with. I spoke with the collection agency and gave them the dates and details along with the agent numbers on the date spoken they said they would dispute it. They told me to give them two weeks and to check back with them to see the update. I checked back with them about 30 days later to see what the status was and they said XXXX reinstated the charges and started it all over. I gave them again the details as it transpired. They said they would dispute it again and to give them some time. My wife and I are in the process of purchasing a home. My mortgage lender called and said I had a bad debt from a trivial service provider reported 23 days ago and asked what I knew about it. I had no idea and there was no mention in our communication that transpired in the last 3 to 4 weeks of them reporting me to the credit bureaus. My broker advised paying the fraudulent debt even though it was fraud to get it removed. I spoke with them tonight to tell them I would pay it but I wanted proof of deletion as it hurt my FICO score over 150 points. They said they will not provide a deletion letter and it was my responsibility to reach out to the credit bureaus. I dont know where to go from here but they are keeping me from being approved for a house mortgage.
06/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 328XX
Web
An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes.
10/27/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62959
Web
CREDIT PROTECTION XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX I have contacted both Credit Protection and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with Credit Protection. Further more Credit Protection is not License or bonded in the State of Illinois to do business a Collection Agency. PLEASE SEE ATTACHMENTS. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$240.00} with XXXX and {$140.00} XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
07/20/2017 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85210
Web Servicemember
Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • XXXXX
Web Older American, Servicemember
After being a customer of XXXX for TV ( $ XXXX/month ) for 5 or more years, I became so frustrated with lousy reception and the need to change boxes or have a technician come to the house so often, that when a service person called after a weekend in XX/XX/XXXX if we had called over the day or two before that I told him that as of that time we were discontinuing service with XXXX. I figured that at most we had received 5 days of 31 possible days of service that month, and I sent XXXX a check for 5 of 31 days billing, totalling {$14.00}. This check was cashed by XXXX, but I was billed until XXXX, XXXX Furthermore, I called XXXX to pick up their equipment. No one came to the house, and after the XXXX call they sent a postage paid box for me to mail by XXXX their equipment. They received it, and the mailing took place in the XX/XX/XXXX. I never received any receipt for this. In addition, I have receipts for equipment loaned or rented to me by XXXX back to XX/XX/XXXX. I received bills from XXXX through XX/XX/XXXX, and on XX/XX/XXXX I received XXXX calls, presumably from XXXX but possibly from a collection agency in XXXX, TX, who began mailing me notices of my past bills and statements that my credit rating could be damaged if payment were not forthcoming. I received the XXXX written notice from the credit collection agency on XX/XX/XXXX. On a phone call of XX/XX/XXXX a woman asked if XXXX XXXX sent the cable box and equipment. I told her of my letters of XX/XX/XXXX and XX/XX/XXXX to XXXX setting out my position and verifying that I 'd sent the equipment as they requested. I spoke on XX/XX/XXXX to a representative of the credit agency and told her that when a human being from XXXX contacted me, I 'd be glad to communicate with him/her. As far as I know the credit agency has a copy of my original letter of XX/XX/XXXX to XXXX. The last printed claim against me for this bill from the collection agency was postmarked XXXX XXXX. I have not opened all the printed notices, but adjustments were made, and I am said to owe XXXX {$220.00}. I have had up to XXXX calls a day from the agency. Most I do not answer. A recording asks me to verify who I am, and says what the matter is, gives me a reference # and their XXXX phone #. From my standpoint the calls are a type of harrassment. Furthermore, XXXX billed me through XX/XX/XXXX, then adjusted a bill or XXXX, saying that I had had no service since XXXX XXXX. In the meantime their monthly bills had increased. I am asking if you think I am being harrassed. I shall be happy to print out my message to you and send it to XXXX. Thank you.
08/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
On XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that calvary cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
04/16/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • IA
  • 501XX
Web Older American
I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. I have several problems with this claim. 1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 4. Why was I not notified of this debt before it got to collection?
06/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 754XX
Web
This collection agency is trying to collect a debt for XXXX and XX/XX/XXXX, I contacted them to see why I never received a final bill nor did I receive anything from the collection agency prior to reporting the account to my credit report. The original customer service agent stated they mailed me all of this and gave me dates and the address it was mailed to but those statements are 100% false because I was living at the address during the time frame she stated the letters where mailed. I got extremely frustrated and upset when she told me that I need to just pay the debt I owe and pay my bills and then this stuff wouldn't happen. I ended up hanging up the phone and calling back to get a different representative who then stated that the letters where mailed to me but they were returned to sender as undeliverable. It's my understanding that if the mail is returned to sender then they can't just take it upon themselves to report it knowing that I was never appropriately notified nor given the opportunity to rectify the account. I then spoke to a manager that AGREED the debt shouldn't be on my credit and because it was already so late in the afternoon and they where closing, she gave me her name and told me to call back the next day and she would take care of it. When I called back the next day, it was an act of congress to get the same supervisor on the phone an dwhen I spoke to her she acted as if she had no clue what I was talking about. XXXX I reminded her of our XXXX hour conversation, she then stated she was going to get with her manager about the rude comments fromt eh original customer representative and she was also going to get with him about removing he account and starting over to follow the laws put into place to prevent things like this from happening. On top of all of this I requested validation that the debt was even mine because the rediculous amount of XXXX is what was claimed that was owed and my bill never exceeded XXXX a month. Obviously if you don't pay, they disconnect your electricity, they don't let you go XXXX months without paying. Once the supervisor got her supervisor on the phone, she then denied ever telling me anything that she did and said her manager said their was nothing that could be done and even though the mail was returned they weren't deleting it and I just needed to pay it. Their are laws for a reason but when they aren't required to follow them what is the point in even having them.
06/13/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
This company continues to call/send demanding notices to me. I feel threatened as this woman just told me I am refusing to pay and that another amount would be added to the balance. And that I should pay my debt and made what seemed like some threatening comment afterwards. I advised her that was not my worry at the moment and I had nothing else to say. I am being harassed day and night via mail and/or calls. I received a one page document that does not state they are a debt collector. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctiv e relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
03/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 65202
Web
We received a letter from CPA, or Credit Protection Association, dated XX/XX/XXXX. The letter said that we owed {$170.00} to XXXX. There was no account number on this form, but it did have reference # XXXX. I called the number on the card, and they asked me my name and date of birth, and they said this matched the person on the account. They also asked if I had received the previous letters, and I told them this was the first correspondence I had received from their company. I told them this was not my account, and then I asked them what the address was that they showed the service at, and I asked the phone number. The person on the line from CPA told me this was for service at XXXX XXXX XXXX in XXXX, MO and the phone number was XXXX, and I called and spoke to a XXXX at that number who said he didn't know anything about the XXXX bill. The CPA representative also said that I needed to file a police report to get this resolved, and told me that they could take payment over the phone if I wanted to pay. I again emphasized that this was not my bill, and that it appeared that someone had used my identity to set up this account. We received another letter from CPA dated XX/XX/XXXX. This letter had more information on it, including the account #, XXXX, the disconnect date of XX/XX/XXXX, and the date it was turned over to collections of XX/XX/XXXX. I also received a call from the company which I returned and was admittedly upset. I again told them this was not my bill, and asked if they were sending bills to the other address. The person on the phone told me there was no other address except my home address and denied the XXXX address was even on the account. I called back and asked to speak to a supervisor, who told me the address was on there, and again stated that I needed to fill out a police report. I did attempt to talk to XXXX by going to their office on Wednesday, XX/XX/XXXX, and was told there was nothing they could do. They said that I needed to fill out a police report. I started a police report on that day, and completed it the following day. The report is with the XXXX Police Department at XXXX, and I completed it with Officer XXXX XXXX. Currently my wife and I are trying to refinance our home, and this has caused our credit score to go from XXXX to XXXX. I found this out on XX/XX/XXXX as well while inquiring about loan options. This was how I realized this was a legitimate collection agency.
03/02/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NE
  • 685XX
Web
After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.
04/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76708
Web Servicemember
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to Credit Protection Association LP on XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. Credit Protection Association LP claims I owe a debt from an Grande Communication that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by Credit Protection Association LP. Therefore, by the FDCPA that Credit Protection Association LP was not able to prove that I signed a renewal lease. So, Credit Protection Association LP was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and Credit Protection Association LP agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. No one has made an attempt to call are send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, Credit Protection Association LP is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of Credit Protection Association LP from my credit report. I am going to provide all my evidence to my case.
05/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75028
Web
XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. I then received a call from a collection agency saying I owed XXXX XXXX. I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.
09/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MT
  • 598XX
Web Older American, Servicemember
I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. I got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. Numerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. We feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. We would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra.
05/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 18301
Web
I closed an account with XXXX in XXXX XXXX due to moving out of their service area. The final bill was paid and XXXX confirmed at the time of closing that no amount was owed. I received a notice dated XXXX XXXX , XXXX ( 14 months after the account was closed ) of an attempt to collect a debt by " Cre dit Protection Association XXXX LP '' ( CPA ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas, XXXX . They claimed XXXX had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account. I called XXXX and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the XXXX agent said she would n't have that in her file ; I had to talk to the collection agency. I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to XXXX , they said I needed to talk to XXXX directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam. I called XXXX again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 ) no debt was owed when I closed the account and they never turned any amount over to a collection agency 3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted 4 ) they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that XXXX does n't use CPA, there are typographical errors on the collection notices and the envelope has a generic file number, all of which point toward a non-reputable practice.
02/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32812
Web Older American
This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended.
01/11/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76210
Web
RE : XXXX XXXX Account # XXXX XXXX Collection Notice- Credit Protection Association , LP Reference # # XXXX, XXXX I have had XXXX XXXX home service for many years. After receiving several incorrect bill amounts and terrible customer service interactions, I contacted Frontier to cancel my service on XX/XX/XXXX and spoke with XXXX 1st., XXXX 2nd., then XXXX to cancel my account due to my new service with XXXX. On XX/XX/XXXX, all of the equipment associated with the XXXX account was shipped back to them via XXXX.Tracking # XXXX and received a " Proof of Delivery ''. My bill dated XX/XX/XXXX states the amount due is {$170.00}. On XX/XX/XXXX, I called and spoke with XXXX to inquire why I was continuing to receive bills from XXXX. She advised they would discount the account and I should receive a call to confirm. On XX/XX/XXXX, I called and spoke with supervisor XXXX confirmation # XXXX to confirm the account should have been closed on XX/XX/XXXX. Continuing to receive a bill for an account that was requested closure, I called and spoke with XXXX on XX/XX/XXXX and was transferred to XXXX, who stated the account would be discounted and backdated to XX/XX/XXXX the original disconnect date. confirmation # XXXX. Since this communication, I have received a bill dated XX/XX/XXXX ( {$340.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and a Collection Notice dated XX/XX/XXXX for the attempting to collect {$370.00}. Upon receiving a collection notice, I once again, I attempted to communicate with XXXX XXXX on XXXX XXXX @ XXXX XXXX Central time. I spoke with XXXX and was transferred to XXXX. After being placed on hold for over 20 minutes, I was disconnected. At this time, I have tried all I can to get the account corrected to no avail, I was a previous customer for many years. This kind of treatment is unacceptable and not professional. I'm afraid this company will damage my credit rating by reporting false information and they are not communicating properly. I am requesting the Consumer Financial Protection Bureau to please assist me in effort to clear this matter and finalize any debt that is correctly owed. Respectfully submitted, XXXX XXXX
07/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 50501
Web
On XXXX I called XXXX and contracted their Internet Services over the phone for my apartment located at XXXX XXXX XXXX . XXXX . XXXX in XXXX XXXX, Iowa. XXXX sent a technician to install the modem, and asked a front payment of more than XXXX dollars, my husband was in the apartment and called me about that payment. I called XXXX customer services, and complained that they never explained me about those charges when contracting the services over the phone, the representative stated that it is part of the installation cost, plus modem rental, I asked to cancel the Internet service at the same day, they agreed to did it, and mentioned that I needed to pay XXXX dollars for installation cost. I complained over the phone, and refused to pay that abount, expressing that it was unfair and that I wont pay that amount, I asked if they could remove it, the representative agreed, but made me aware that I should needed to return the modem to the local XXXX office within the same day. I went to the office and returned the modem, they printed a receipt for me with XXXX balance on my account. Afterwards I got multple bills, and called customer services to ask them remove those charges. The staff who answered my call said that the account had XXXX balance. I started gotten collection attempts, and called again customer service, they said the account had a XXXX balance. I even stop by the local office and complain about the collection attempts, the secretary searched my account and said that the charges were removed but they take time to update the account, and that I supposed to wont get the collection attempts anymore. I got the third notice on XXXX XXXX, 2016. The Creditor is XXXX, account # XXXX, service balance XXXX plus XXXX collection fee. Please help me with that. I can pay the money, but it is something that I dont own, it is unfair, and it is horrible that those companies abuse of us in such a way. It is time consuming, disgusting, and difficult to submitt claims, especially for non native XXXX speakers such as me. However, it is worthy, because we should not allow those companies to continue abusing of clients.
06/29/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 650XX
Web
I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA, requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.
07/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
Account Name : Credit Protection Association Account XXXX This account is not mine as my social security number was given by another person, Identity theft, and no valid and consistent explanations of fraudulent debt This account was disputed directly with Credit Protection and they continue to fail to provide adequate proof of this account. This account is disputed as : -This Creditor, Credit Protection Association , has been verified through Florida Office of Financial Regulation , as NOT having an Active License in the State of Florida . - this account belongs to my Ex-husband and I was never notified or have permission for him to transfer his account to my Social security number. -I was never notified of this debt, even with my address change & forwarding set up & documented with USPS . -No Signed Contract & account was " Transferred to my social '', without my knowledge & permission, and not created by my with approval. -Multiple changes in explaining the charges of this disputed account. -When asked, the Credit Protection rep confirmed that His Social Security number used to create the account was not valid, thus leaving my social security number, fraudulently added, on account. -When asked for Proof, I was sent print screens images of the Amount due, not a detailed list of charges they are billing for. I was told XXXX different excuses on why the account was originally reported as {$370.00} but now reports as {$630.00}. -My name is reflected wrong on this account. This is the only account that reflects my name wrong, XXXX XXXX ( Identification number XXXX ). I never have used or authorized this name to reflect as such. All Aliases are reflected on my credit report. This disputed & fraudulent account is the only account reporting a wrong name. Lastly, I am demanding this account be removed as I have provide adequate reasons to why this debt is fraudulent & not mine. In the event that no record exists, please delete this damaging account information.

Account Name : Credit Protection Association Account XXXX Your report number : XXXX

01/17/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33604
Web
Back in XX/XX/XXXX of last year XX/XX/2018 I cancelled my service with XXXX. I cancelled the service with being about 2 days into the billing cycle for that month. I told the rep I would pay for the service I used but that's it. They claimed they couldn't do anything about it until the bill generated. I filed a dispute with them immediately. I was told I didn't need to call in anymore and they would give me a call to discuss the situation. XXXX rolls around and I am moving out of my apartment and at the same time suffering with XXXX XXXX and having a XXXX XXXX that failed removed. I started to get bills in the mail for around {$170.00}. Not only is that amount wrong but its significantly higher than what I should owe which is around $ 3-5 $ for two days of service and the company didn't follow proper protocol to dispute my case with ME ACTUALLY BEING INVOLVED AND AWARE OF WHAT IS GOING ON. They made a decision without informing me of anything and submitted me to collections. They never even sent me any documentation stating how they came to their conclusion. By the time I found out I was already in collections. I paid my bill a month in advance for over a year so not only did they take the credit on file. They charged me an additional {$170.00} or so over. I called back in and was told nobody could help me at the moment as the dispute was still being looked over. In XXXX ( which was plenty of time ) I get a letter from a collection company saying that my account was turned over to them. What I did not receive was ANY documentation saying how they came to this conclusion and NO phone call from anyone to discuss the situation. I called in again and XXXX told me they couldn't do anything about it since it was put into collections but that is not good enough. That is a sorry excuse for their actions and they must pay for it. They even tried to justify charging me extra stated since I cancelled my service early their was a early termination fee. Well the only problem with that is I WAS NEVER ON A PLAN. I WAS MONTH TO MONTH!!
05/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 78660
Web
This is the letter I sent to CPA with no response. It explains the negligent actions taken by the debt collector. I would appreciate my name being cleared or restitution being made for the adverse effects this has on my finances " I received a letter about a collection being made for XXXX XXXX. It was actually for my roommate, but the account was in my name, so that was not your fault. The letter threatened to report to the credit bureau if I did not pay or set up a payment plan. Not wanting the hit on my credit, I decide it 's just best to take care of it myself. I call about setting up a payment plan, and am told it can only be divided into 2 payments. So I pay the first and set up to pay the second in a months time. I am told that I have complied with all requests, and as long as I make my final payment, there would be no more action taken. About a week later I relieve a letter saying that my remaining balance has been reported to the credit agencies. I confirm on a credit site, and sure enough, my credit has taken a huge hit due to this. I am in the market for a car and house and this has set me back an immeasurable amount. I believe, at the very least, the rest of my debt should be forgiven, and I would like a formal notice sent to the credit agencies that you reported to. If that repairs my credit to the previous state, I would consider the matter resolves. But such a hit to my credit would take an extremely long time to repair as well as costing me thousands of dollars. I complied with every request of yours and was still adversely affected. I would really like for you to make restitution on this matter as I do not want to have to contact further agencies about the matter. I do not believe honest business tactics were used and I will take every avenue I can to right this injustice. Thank you for your time, and I look forward to hearing from you soon. "
02/05/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76904
Web Servicemember
I opened an account with XXXX XXXX around XX/XX/2017 for wireless internet. They came to install the internet and it was working for a few a few hours after the technician left, however every time I left the apartment and returned I had to reboot the router. Later that evening the internet stopped working entirely. When I called to have another technician come out to fix the problem they were not available for a whole week. When the technician arrived one week later the same results occurred. When I called to cancel they said it would not be a problem and I would not have a balance to pay due to me not having service during the time I was supposed to have service. The XXXX Cancelation Confirmation Number was XXXX and I spoke to XXXX Employee ID XXXX said my account balance was XXXX dollars. The following month I received a bill of {$170.00} I spoke to XXXX Employee ID XXXX on XX/XX/XXXX and he told me the final bill takes 30 days to generate but not to worry. The following month I spoke to XXXX Employee ID : XXXX on XX/XX/XXXX and she now told me it would take 60 days to generate the final bill with a XXXX balance and it would not be a problem. I called again in XX/XX/XXXX to be told now it would take 90 days. Every time I asked to speak to a manager or someone else who could assist me and was denied this. It would also take me 30 plus minutes on hold before I was able to speak to someone. In XX/XX/XXXX I recieved a Collections Notice from XXXX XXXX XXXX XXXX claiming the same {$170.00} from XXXX XXXX. I again tried to reach out to XXXX directly and was told now there is nothing they can do and my account is in collections. I have never had an account in collections, I have never had a late payment, I value my credit and ensure I maintain it in good standing but I refuse to pay this balance because it is for services I never recieved.
12/05/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60505
Web
I was sent a letter from this company stating that I could call and make payment arrangements to keep a debt from going to the credit bureaus ... .i quickly took them up on there offer and my first payment of XXXX was due XXXX. I secured the payment with my debit card ... she then told me the account would be placed on hold and as long as I kept up my payments I would not be submitted. On XXXX I received a phone call from this same woman stating that the card I had gave them before had declined.. I let her know it was cut due to being stolen and if there was a way I could pay half the debt that friday XXXX then the other half XXXX When funds became available on my credit card I was told I would be fine and that it was no problem. Also the account would stay on hold ... I missed her call on XXXX due to working all night the night before but called back around XXXX to make the payment I had promised to keep the account current. I was met with a guy I really could n't understand and asked to speak to a supervisor. Once transferred the supervisor informed me the account was in default and had been submitted to the credit bureaus and there was nothing they could or would do..when I stated that XXXX I made arrangement with her company and was told I would be alright. She stated the account went in default once my card declined ... and it was over I hung up ... i called back later that night around XXXX a gentleman with a southern accent answered the phone. I explained the situation and asked if I could be transferred to the lady that processed my payment on friday. He told me that was impossible nothing is going to be done about this ... and anyone can help me. The submission is final and no I will not be able to talk to the lady I have been dealing with since day one.
03/03/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 255XX
Web Servicemember
" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.
07/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WI
  • 531XX
Web
I am a victim of continual ID theif. This is either do to XXXX XXXX that lives at XXXX XXXX XXXX , XXXX IN XXXX or do to Collector sDatabase. The XXXX Police will not Help the XXXX WI police. All Below is going on My Credit, I have cleared it but I also have to pay {$300.00} a year for ID Protection. XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} XXXX XXXX Defaults on his Services ( XXXX ) {$700.00} XXXX XXXX Defaults on his Services ( XXXX ) {$800.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$1300.00} XXXX XXXX Defaults on his Services ( XXXX XXXX XXXX ) {$180.00} Police Report Filed for all above XXXX XXXX XXXX Defaults on his Services ( XXXX ) {$250.00} Police Report Filed for all above XXXX - All above have been cleaned from my Credit Report ( Unknown Date ) XXXX Defaults on his Services ( XXXX ) {$1000.00} Police Report Filed for all above XXXX This was just file XXXX/XXXX/16. The question that no Police Detective or Reporting Agencies can answer. - IS XXXX stealing my SSN ( but I do not think that XXXX ask for the SSN ). - OR is the Collections Companies doing this to me? They have linked my name and his name together and added it to some database that can not get that information removed. I have Spent {$300.00} for that last three years ( {$900.00} ) because of the Collectors or XXXX. I have to keep Renewing do to XXXX Defaulting on his bills and the Collectors coming after me and not him. Each time this happens I have to get a Police Report, get current bills, Affidavit explaining why it is not me, DL, and all this personal information has to be sent to each collector. Giving all my Personal Data to them to clear me. I spend hours each time.
08/17/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web
I was a customer of XXXX XXXX for Internet services from XX/XX/XXXX to XX/XX/XXXX, I was at XXXX XXXX XXXX XXXX. XXXX XXXX didn't send me bill for the first 3 months and did cut off my XXXX, when i called they said i didn't pay the bill. I asked for email communication of the bill than paper and also mentioned that i did not receive paper based bill. When the representative double checked they told me that they had wrong address in the file. Later i cleared the bill, this happened multiple times, NO bill to address, NO bill via email or link to pay but they say all of a sudden i owe $ XXXX {$250.00}. But i made sure that i pay it. Finally, when i moved out of the house there was no balance is what i thought, as i called and cancelled the service too. An year later, around XX/XX/XXXX i got a call from collection agency, i reported dispute saying that, XXXX never sent bills and asked me to pay. Later the collection agency called and said your credit will be effected we will report it and i told i'm fighting for it you can not report until i get answer. Later to save my credit history i paid the amount. Today, i still see that in my collection account and as derogatory mark which is hurting my credit score very bad. I'm frustrated on the collection agency and XXXX XXXX for poor communication and even after i paid the amount having record. I'm sure they must have had all the recording of my phone call, and if they could provide them i can show you how many times i corrected the address and they had wrong one and didn't send me bill. Please help me clean this dispute from my credit for something that the service provider and their poor workforce done mistake.
05/31/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33935
Web Older American
This complaint is regarding a XXXX XXXX XXXX bill submitted at the time we sold our residents in XX/XX/2019 where services were received and moved out of the state of XXXX XXXX to XXXX. We did leave a forwarding address. We received a bill prior to moving which a partial payment was made. The next month, XX/XX/XXXX we received another bill by way of our forwarding address ( see attach copy ) which another partial payment was made and cleared XX/XX/XXXX. Although we did not received another bill in XX/XX/XXXX, we made another partial payment and was cleared XX/XX/XXXX. Our next notice regarding this bill was received XX/XX/XXXX via our mail forwarding address from CPA Credit Protection Association ( see attached ) stating that the balance was submitted to the credit bureaus for non collection. Upon receipt I contacted them and paid in full the balance. I also questioned why it was sent to credit bureaus when payments were being made and was informed that credit bureaus would be notified of payment. After this call I did receive a letter stating this, ( see attached ). Once I noticed my credit score was impacted due to this I contacted both XXXX and CPA to dispute it with no results. I have also attempted three times to have XXXX correct the issue with all three results stating ( Verified ). My credit rating has always been in the 800 range and is now XXXX because of this error. It also identifies that no payments were missed. I believe this has been wrongly reported since 1 ) I was making continued payments and they acknowledged such, 2 ) I never received prior notice ( s ) before XXXX that balance was going into collection.
09/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 503XX
Web
I cancelled my service with XXXX XXXX for several reasons, one of which I paid every month for a " very fast internet speed '' only to find out I was n't actually receiving anywhere close to the speed I was paying for. I continually called to complain not only was the service slow, many days I had no internet service at all. Upon cancellation I was instructed to take all equipment to XXXX and ship back to XXXX. I did this within 4 days of cancellation. I also called XXXX after I obtained a tracking number from XXXX and gave it to the representative. Three months later I received a collection notice and several very rude calls. Once again I gave them the tracking number and was told it was taken care of. ( At which time I made the mistake of discarding the receipt from XXXX because I believed it was taken care of ) In XXXX, 6 months later I received another collection letter indicating the debt had been reported to the XXXX credit repositories as a collection account. I called the number on the collection agency statement. Not only was it an automated system, there was no way to speak to an actual person. I called repeatedly and tried every single " press # '' if ... scenario. Every single time the system hung up if I did not select " make a payment ''. At no time was it possible to speak to a person. Now I have a collection account for {$200.00} on my credit with no way to contact the collection agency. I am in the mortgage industry and review credit reports daily. XXXX has a very bad business practice of reporting collection accounts and now I understand when borrowers truly have no idea they had such collections.
03/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32810
Web
I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.
03/20/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11203
Web
XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.
11/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 275XX
Web
The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.
12/04/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IA
  • 503XX
Web
In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.
05/05/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75025
Web
Dear Sir/Madam, Let me explain the situation below : ( 1 ) Monthly billing of my internet service was from date XX/XX/XXXX to next month XX/XX/XXXX of each month ; ( 2 ) My internet service was terminated on XX/XX/XXXX when I called the internet company for cancellation because I switched to another internet company on XX/XX/XXXX. A customer service person from the internet company told me on phone that in next billing, I would receive the 6 day usage charge about {$13.00}. ( 3 ) I had only used 6 days from XX/XX/XXXX to XX/XX/XXXX but the internet company billed me full month charge which was {$82.00} in my online account. I called the internet company on XX/XX/XXXX and a customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 4 ) On next month, I received {$82.00} billing letter on XX/XX/XXXX. I called the internet company again on XX/XX/XXXX. Another customer service person from the internet company told me on phone that the billing would be fixed in next month ; ( 5 ) On XX/XX/XXXX, I received a collection billing letter with {$82.00}. I called the internet company again in same day. I paid {$13.00} for 6 day usage already. Another customer service person from the internet company told me that she had no right to change the billing and asked me to call a phone number but I could not get response by this number. ( 6 ) On XX/XX/XXXX, I received a letter from CPA. I would like to have your help to contact the internet company to resolve the issue. Yours truly A customer
12/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36526
Web
'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance. XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week. XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment. XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again. XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}
04/10/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33626
Web
I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.
05/21/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85032
Web Servicemember
In the last few months of XX/XX/XXXX , XXXX XXXX raised our monthly payment for account # XXXX by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and ( 2 ) had never been used one time in the 4 years that we had it. Because of this mystery rate increase, we were advised by XXXX to remove the phone line from our account, which made sense to us, so we agreed. XXXX was never able to accomplish their side of the agreement and the extra charges continued to two more month. After three long phone calls, with no success, we decided that the only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on XX/XX/XXXX ( see attached ). I 've been receiving threatening mail from Credit Protection Association, L.P. ( see attached ) ever since that time, even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get XXXX to stop bothering us about it and that did n't work either.
04/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 346XX
Web
The issue I've been having is with XXXX XXXX, the provider of the XXXX XXXX service in Florida. I was a customer of XXXX until the end of XXXX, terminating my service on XX/XX/XXXX. My account was set to auto-bill to my credit card ; therefore the month of XXXX was paid up in advance and there were no issues. Subsequently, I received a bill for services provided in XX/XX/XXXX, with an auto-bill to my credit card for the full amount. I disputed the transaction for XXXX services with my credit card company and successfully had it resolved. XXXX then sends me a bill for XXXX services ( 2 full months after I've ended my service with them ). I call their customer service, and they tell me it is normal - it sometimes takes 1-2 months for the billing to clear up, and I should just ignore it. Then I get a past-due notice from XXXX towards the end of XXXX, with same results. Call customer service, they apologize and ask me to ignore it. Now, I get an official debt collection notice from a collection agency being used by XXXX threatening to put a negative item on my credit report ... and I have literally NEVER been late with a payment in my entire life on my credit report. XXXX 's practices of continuing to charge customers ( or at least attempting to ) months after the end of service and going as far as sending " unpaid '' bills to debt collection are outrageous and need to be stopped. I'm attaching documentation that shows the same ( if the opportunity is provided later ).
02/28/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 802XX
Web
I was an employee of XXXX and provided with virtually free XXXX as a benefit, all I paid was {$8.00} for the DVR converter. They terminated me, I suspect it is because I disagreed with their benefit of service policy which held individuals who shared addresses responsible for bills verses just the contractually obligated individual. They immediately increased the rate of my service instead of canceling the service at the end of the period paid through or providing me adequate notice of a rate increase. This resulted in a XXXX collection account. This is so long ago I do not recall when I canceled. I disputed this debt with them due to not receiving adequate notice and never agreeing to the amount billed. XXXX then sold this to a third party. The company they sold it to, Credit Protection Association, XXXX, XXXX TX XXXX, also attempted to add a {$5.00} collection fee to make the total XXXX. When I requested a copy of the contract and disputed the collection fee they sold this to another company. I disputed this again with XXXX XXXX, XXXX GA XXXX, who reported a balance of XXXX to all three credit bureaus. I disputed this and had it removed from my credit report. Now the debt has been sold to another company XXXX, XXXX FL XXXX and is once again being reported on all three credit bureaus. I will be disputing XXXX but this should not have been sold to them in the first place. I have disputed this debt multiple times and it just gets sold to someone else.
04/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93312
Web
I have contacted Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the XXXX XXXX they are looking for. Accounts are reporting as follows : CREDIT PROTECTION Agency Address : XXXX XXXX XXXX XXXX , XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor : XXXX XXXX XXXX Account Number : XXXX CREDIT PROTECTION Agency Address : XXXX XXXX XXXX XXXX , XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$220.00} Date o f 1 st De linquency : XXXX Balance Date : XXXX Balance Owned : {$220.00} CREDIT PROTECTION Agency Address : XXXX XXXX XXXX XXXX , XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$220.00} Date of 1 st Del inquency : XXXX Balance Date : XXXX Balance Owned : {$220.00}
07/13/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 15136
Web
To whom it may concern, This complaint is with Credit Protection. I pulled my credit report and seen an account from there for {$1800.00} from XXXX XXXX XXXX XXXX. The number listed on my credit report is XXXX but the IVR prompted me to call XXXX. I spoke to XXXX who advised that they rcv 'd account X/XX/2012. She advised that they have been sending letters to addresses they had on file ( which were n't correct ). She advised that she could n't tell me when the letters were sent nor when they originally reported the account to the Credit Bureau 's. I asked if she could send me proof of ownership. I.e. Original documents sent to them by creditor and if they rcv 'd any returned mail. She advised that there was no mail returned and that she can only send an itemized bill. She did advise that she will send information to the creditor to request original documents. I requested to speak to a supervisor. She transferred me to XXXX who originally stated that my account was 1st sent to an agency on X/XX/2012. advised that, that is incorrect as account is listed on my credit report since X/XX/2012. He also advised that there was a letter sent out in X/2012 but they got a return from the post office. He advised that they have this account listed as " bad address ''. I have never rcv 'd a bill or any kind of mailing for this account. I was never given a fair chance to make arrangements to pay this account before this hit my credit, if this is a valid debt.
10/09/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act
08/08/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 142XX
Web
Today, X/X/2017, i contacted Credit Protection Association, L.P. regarding 2 letters I had received from them. This is pertaining to an {$840.00} utility bill i owe. I inquired about settling the account, they said they DO NOT ACCEPT SETTLEMENTS. I offered to set up payments for $ XXXX/month. They advised me that " did not fall in their system as a valid payment arrangement '' and that I " could send that in, but it would still be reported to my credit '' ( which I am in the process of fixing, so that I can purchase my first home for myself, my fiance, and our XXXX daughters ) They provided me ONLY ONE option, that i put down 25 % and can only make 2-3 payments on the remainder. I told them that I CAN NOT afford that ( as I only work part-time and have XXXX children '' -- - they proceeded to tell me that is my only option and that their " system wont allow anything else '' I counter-offered to pay them $ XXXX/month for 8 months. They also stated that " isnt a valid payment arrangement ''?????? I have worked in the collection industry for over 5 years now, and as far as I 'm aware, this is NOT legal, nor is it just. I feel it is absolutely demanding, and that they are refusing to work with the consumer, just to put more money in their bonus checks. I of course, told them I will be in contact, and that I would be consulting with an attorney ( which i already contacted the New York State Attorney General as well )
04/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 138XX
Web Servicemember
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
08/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • XXXXX
Web
After several years of not monitoring my credit reports, I finally requested a copy of my Experian and XXXX XXXX credit reports in XX/XX/2019 and saw there was a collection account present from the Credit Protection AgencyXXXX XXXX. The company reported that I owed {$570.00}. I have never received any notification or communication from Credit Protection AgencyXXXX XXXX creditor that {$570.00} amount was owed or that it was turned over to a collection agency. On XX/XX/2019, I wrote the Credit Protection Agency, with a request for them to validate the debt and sent it via certified mail. I did not receive any return communication from the Credit Protection AgencyXXXX XXXX. While I did not receive any communication from the Credit Protection Agency after writing the validate debt letter, I did see a change in the amount owed on my XXXX and XXXX XXXX XXXX reports. The new amount changed to {$250.00} from the previous amount owed {$570.00}. I also wrote letters to both XXXX and XXXX XXXX requesting this collection to be removed from my XXXX and XXXX XXXX credit reports. My USPS tracking number XXXX indicates that the validate debt letter was delivered on XX/XX/2019 at XXXX am Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX I would like the Credit Protection AgencyXXXX XXXX collection account to be removed from both my XXXX and XXXX XXXX reports. I would appreciate your help in this matter.
05/29/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85048
Web
I recieved a written notice from Credit Protection Association L.P. dated for XX/XX/XXXX. It stated i had 30 days to " pay your service balance or call to set up a payment plan ''. It also states " PAYMENT OPTIONS TO AVOID CREDIT BUREAU REPORTING ''. I contacted them on XX/XX/XXXX, made a payment of {$77.00} and set up payments for the remaining balance. My account is still current with them, yet my credit was notified and the account is now on my credit. I contacted CPA and they informed me to call XXXX XXXX XXXX the initial company i am debted to. I did so and XXXX informed me that CPA would have to correct the error and that they don't know why CPA sent out the notice and reported to my credit before the 30 days stated. A representative named XXXX informed me that it was reported to the credit bureau in XX/XX/XXXX and she confirmedmy payment recieved XX/XX/XXXX. When i asked why i recieved a statement from their company to resolve this before those measures were taken neither the representative nor her supervisor ( XXXX XXXX ) had an answer. CPA was unwilling to resolve this matter and blamed XXXX for the issue, yet on my credit it shows it was reported by CPA. I have the original statement from the company. A confirmation number of payment made to them onXX/XX/XXXX, receipt of my payment from my bank account, and that it occurred all within the 30 days from date of the notice recieved.
06/30/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65203
Web
I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.
02/18/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30328
Web
XXXX XXXX XXXX is violating my rights under the FCRA by falsely/inaccurately reporting the First Date of Delinquency, failing to open an investigation when a dispute was failed, failure to respond for PROOF of FIRST DELINQUENCY. CPA has reported a First Date of Delinquency to XXXX and XXXX CRA 's as XX/XX/XXXX and NONE to XXXX. They report a DATE OPENED of XX/XX/XXXX - 7 days following their " reported '' FIRST DATE OF DELINQUENCY. The ACTUAL 1st DATE OF DELINQUENCY is XX/XX/XXXX and supporting documentation has been provided to ALL CRA 's and CPA yet all they do - IN LESS than 24 hours of filing dispute with CRA is VERIFY what they reported is ACCURATE. It is IMPOSSIBLE for an account to be 1st DATE OF DELINQUENCY and 7 days later be in collection this alone should warrant a REAL INVESTIGATION as I have established the account as being past due since XX/XX/XXXX. XX/XX/XXXX - Returned Payment to XXXX XXXX ( Original Creditor ) XX/XX/XXXX - LATE NOTICE / PAST DUE NOTICE from XXXX XXXX The latest dispute placed XX/XX/XXXX at XXXX - SUPPLIED with SUPPORTING DOCUMENTATION The latest VERIFIED from CPA to CRA XXXX XX/XX/XXXX - XXXX FCRA states when the account is assigned to a COLLECTION AGENCY ( CPA ) it is a continuation of the ORIGINAL DEBT - XXXX XXXX XXXX Companies - Credit Protections Assoc ( CPA ) CRA 's : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX
07/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22180
Web Servicemember
Transfered my internet service to XXXX XXXX. XXXX offered a 30 day money back guarantee for the service. XXXX was unable to provide the contracted service and I cancelled the contract within the stipulated 30 day period. XXXX refused to honor the warranty. XXXX engaged Credit Protection Associates ( XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ) to collect the fees for the service. Credit Protection Associates started contacting me to collect the debt. I advised Credit Protection Associates, in writing, that XXXX was in error, no amount was due, the VA utility authority had ordered XXXX to honor their published warranty, and that I would take legal action if Credit Protection Associated harmed my credit rating. Credit Protection Associates filed a delinquent notice on my credit rating with the credit bureaus. I was subsequently denied a loan by XXXX XXXX bank as a result of the Credit Protection posting to my credit report. I have reached out, in writing, to both XXXX and Credit Protection Associates to express my distress with their handling of the matter and that I would file a FCRA complaint if they did not offer any remedies. Both XXXX and Credit Protection Associates elected to ignore my written correspondence. I am ready to proceed with a formal complaint that both XXXX and Credit Protection Associated are in violation of FCRA provisions.
04/28/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80439
Web
I received notice in the mail of a debt collection, but I thought that the electric utility was in my wife 's name for the 8 years we lived in our home in XXXX, which we sold in XX/XX/XXXX. I had also thought that we were paid to date, since my wife transferred a service to her name in an apartment in another city in XXXX. We subsequently moved to XXXX and I received a notice for a debt collection, which I thought was fraudulent, so I threw it away. I subsequently saw the collection show up on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I tried to get a car loan, and my credit score was significantly lower than it ever had been as a result of the collection. I then called XXXX XXXX to verify the debt, which they confirmed, but I could not pay it as it had been referred to a debt collector. They would not give me information on how, who, where the debt collector was, and the only information I could obtain was from a credit reporting agency, which had the following information : {$280.00} Original creditor : XXXX XXXX XXXX XXXX CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX When I attempted to contact this agency to get information on HOW to pay the outstanding debt, the phone number is invalid. As a result, I am not able to pay the outstanding invoice. Any assistance would be very much appreciated.
07/29/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 67205
Web
On XX/XX/19 I requested cancellation of services from XXXX XXXX via phone to customer service and email to XXXX XXXX. I was told that I would not be billed further and if so they would prorate charges. After receiving my bill and realizing they did not prorate and continued to charge me I called corporate escalations. Towards the end of XXXX- I spoke w XXXX and she informed me the charges would be adjusted after I turned on my equipment which I did a couple of weeks ago after visiting w my sister. The charges after that were {$510.00} which is incorrect as I was billed for that month. However was going to make payment for the amount I owed to avoid collection. I called Corporate escalations today as I received a letter from a collections bureau regarding the amount due to XXXX. I was told by XXXX w XXXX escalations today that they will not accept payments on closed accounts and there is nothing we can do. I have been working on my credit and now have a negative because of waiting to resolve this with XXXX which is unfair and unjust. I hope you can help me resolve this. I have also filed a complaint w the FCC ( # XXXX ) for the amount owed however I would like XXXX to fix my negative credit respite and allow me to make payments. Thank you so much. XXXX XXXX
07/02/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 338XX
Web
I disputed this claim on all three reports for over 1 year now. I sent notarized letters, disputed through a credit repair paid company do no avail. I called and spoke with three different people on a call that took over 1 hour. I told them I DO NOT have a balance due and I am not the one who has an account for {$240.00} for XXXX - The representative pulled up an account that was only XXXX cent! They told me they found a true account that I was able to verify was MINE for XXXX cents. I was told they will investigate the fraud account stated here and I would get a letter. On XX/XX/2019 I got a letter stating the account was MINE. There were no more calls, proof of ID 's shown to open an account or where hte account was located. I now have damaged credit and a victim of fraud twice, with whomever opened this account in my name ( AND they used my maiden name, XXXX and not my legal name to open it which is XXXX ). This company should have to provide proof of IDs shown to open this account - and to say they have another account with only XXXX due that is NOT on my credit that I was able to CONFIRM was in fact mine, then leave this fraud account in my name in collections for {$240.00} does show a direct attempt to cause harm to my credit report knowingly.
02/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 541XX
Web
I moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid.
09/19/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 625XX
Web
On XX/XX/XXXX I had XXXX XXXX install Phone and internet service. In XX/XX/XXXX, I decided to change to a different service provider. I then started to receive bills for " early termination fees ''. I contacted the company, because I never signed a contract with them and asked me to send me copy of the supposed contract. It took several months and several phone calls for them to send " a contract '' to my email. XXXX sent a copy of a contract with a digital signature. This is absolutely NOT MY SIGNATURE! not even close. I tried disputing with them and investigating with not much communication from them. XXXX turned me into collection agency and I have called and mailed several letters of dispute. 2 attached letters state that they have received my letter of dispute. They apparently do not investigate, and just ask XXXX if I owe money, they say yes, then that is it. I lose because I am an individual and they are a company. I did not sign a contract. They should not be able to collect money from a forged signature either. Also right above the forged signature, it states 24 month commitment. the fine print states different. I do not owe {$760.00} cancellation fees. I did not sign a contract! Please help!
01/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
I had service with XXXX XXXX in XX/XX/2019, not sure of exact dates. I used the services to work from home. I had multiple issues w/ service being interrupted for technical issues on their behalf which caused me to have to work in the office around end of XX/XX/2019. I called and called my service eff XX/XX/19 because I had new service installed by XXXX on XX/XX/19. While my service was active at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX I continued to receive statements saying I owed for services no longer being rendered. I called XXXX on XX/XX/19 and spoke with a supervisor by the name of XXXX who advised me I would only owe {$44.00} due to prorated charges they billed me for services thru XX/XX/19. I received a collections letter for {$88.00} which is not correct. I disputed these charges by phone on XX/XX/19 and received a letter from CPA ( collection agency ) stating XXXX is still saying I owe the said amount of {$88.00} with no proof or validation of how I owe that amount when I had services with another provider at the time they are accusing me of using their services. I terminated my services with them as of XX/XX/19 and do not owe the amount they are requesting.
07/20/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web Older American
on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to XXXX!!
12/03/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 446XX
Web Older American, Servicemember
Early in XX/XX/XXXX ( XXXX or XXXX. ) i received a call from Credit Protection Association, based in XXXX Texas. The agent informed me it was a debt collector and the call was in regards to a utility bill from New York for {$800.00}. I explained I never lived in NY. He asked if my last four of SSN was XXXX. I said no. I noticed in XX/XX/XXXX my XXXX went to XXXX after many years at a high of XXXX the debt got posted on my credit report. XXXX XXXX XXXX wrote on my behalf and in XX/XX/XXXX my score went back to XXXX and the debt was removed. Now on XX/XX/XXXX XX/XX/XXXXXXXX XXXX a debt collector out of XXXX XXXX MN has the account and posted the debt on XX/XX/XXXX. Again my score is XXXX. I have explained this to them and now my SSN is attached to it. Someone along the way has changed the SSN.I have talked with XX/XX/XXXXXXXXXX/XX/XXXX XXXX they can't tele how account was opened, they can't tell me if they did a credit check like most utilities. XXXX XXXX XXXX can not give me details of the debt, just the amount. I do not owe this, and I have never lived in NY. XXXX XXXX has never initiated a calll to me and has never communicated that they intended to post on my credit report.
08/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32837
Web Older American
XXXX XXXX provided us internet service for a little over a month in 2014. A subcontractor picked up XXXX pieces of XXXX XXXX equipment shortly after we discontinued service. At no time were we told that we needed to have either a copy of the work order or the receipt. Approximately 2 years later we received a letter from XXXX XXXX saying we owed {$150.00} for equipment. I called them and they asked if the contractor had offered us a receipt. He had not. He obviously had not followed procedure. After 7 months and repeated calls they finally found the work order but insist that we produce either a copy of the work order or the receipt. We have received 4 messages from the Credit Protection Association demanding that we pay " now. '' At no time were we informed that we must have a copy of a work order or a receipt and XXXX XXXX waited almost 2 years to ask for the {$150.00}. Either someone walked with that equipment or they have it some place. I question waiting almost 2 years to send us a notice that they did not have the equipment. At the very least XXXX XXXX should inform consumers that they are to receive a receipt if equipment is picked up to be returned to XXXX XXXX.
07/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21601
Web Servicemember
In XX/XX/XXXX I noticed an account from Credit Protection Associates via XXXX XXXX XXXX in the amount of {$260.00} from back in XX/XX/XXXX. I have sent several letters trying to resolve this account that doesn't belong to me. I have never had this service nor have any knowledge of such company. I have copies of letters I mailed to CPA EXPLAINING the false account, yet they insist they have proof of which they won't provide. They responded as To one letter as verified. I asked who verified it and provide me with proof so that I may prove that person in question also have no proof. I have signed and been giving copies of my signature on every product I have ever purchased. they can not provide my signature do to the fact they don't have it. I have been targeted to pay monies they can't collect from the person they can't find. it's been havoc in my life so far and I need this to end. Please help resolve this false blame so I may move on with my life. I have served my country true and for that I am able to use my VA loan to purchase a home, however this infestation on my credit report is making that difficult. CPA needs to stop harassing me with this account I do not owe.
02/12/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 026XX
Web
I received a phone call on Friday XX/XX/XXXX around XXXX. A debit collection company supposedly representing XXXX XXXX Company. The person I spoke with explained I have an over due bill for the amount of XXXX $ I explained I never received a bill or a phone call. I said there is no way my electric bill could be so high. I asked for a copy of the bill. The person said oh that will take a few weeks to receive a bill. How so?? The person said well I can try to dispute the bill if you want me to. I called XXXX XXXX and explained everything, they said it's a scam. I also contacted the real XXXX XXXX Company and cancelled my account which I had since XXXX. I had an idea and called the fake collection company. It took to phone calls to convince them to send me an email of the bill. Of course they had an excuse after excuse saying well we really aren't supposed to send emails. Really since when?? Today I received a collection letter in the mail. There is hard evidence to prosecute these individuals that are responsible. I have the email with the bill, a hard copy of the bill, and voice mail. Hopefully this will be helpful. Thanks again. XXXX XXXX XXXX XXXX.
02/09/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ME
  • 04103
Web
I received a letter about debt from credit protection association l.p I had already once told them I disputed the amount with original creditor. They said if I didnt set up an arrangement it would go to my credit an ruin it. Im on XXXX I explained just had a XXXX they would not budge and said 5 monthly payments of XXXX I said I cant afford this right now an I had the choice to refuse or ruin credit. I put XXXX down and my next payment was due XX/XX/XXXX I had credit card fraud and my card was closed completely forgetting about this I never got a letter nor was I 30 days late they sent it to the credit bureaus. I called them XX/XX/XXXX to ask them to remove this and I would pay in full they refused to help I said Id seek legal advice or help they then said your account is closed no contract and we are giving it back to the original creditors. I called back to speak to a supervisor stating if they would not work with me its not fair to have on my report where I cant fix it do to their refusal to speak or have anything further to do with this they kept speaking over me and hung up. I filed a complaint heres my confirmation with you guys XXXX
02/11/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75149
Web
I noticed I continued to receive this post card in the mail from this company Credit Protection Association. I took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the lady said I would receive something in the mail in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically the only thing I keep getting is the post cards but no infomation. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
08/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MO
  • 65401
Web
I received a notice due to a negative item on my credit report. I also recieved a bill from a debt-collecting agency ( CPA ) that stated I owed a bill for the amount of {$1500.00}. This was from XXXX which stated that I opened an account on XXXX XXXX in XXXX in 2014 at which I did not live. When I contacted XXXX they stated several times that my information had been purged out of the system but that the account had been opened with a passport by a woman. This was evidently not me or my account. No contact information for any managers or any persons that could address the situation was given by any of the employees at XXXX. The only way to get through is to call the automated system and explain your way through a new person every time. After being told I would be called back and not receiving any calls I have become very frustrated especially when I have found this on my credit report. Also in order to clear the matter I was told I needed a police report. The police officer told me I needed an affidavit from XXXX in order to file the report but I can not obtain that from XXXX nor can I contact anyone from the company to help me.
08/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98382
Web Older American, Servicemember
On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.
03/03/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 279XX
Web
credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail.
04/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 140XX
Web Servicemember
I have informed this company many times in the last few years that this is not my bill. From the moment it showed up on my credit report I have tried to make them understand that I was not in the state during the time this bill came due. Credit protection said if I wanted to depute I could so I did. They then told me to drive to Kentucky from New York and file a police report in order for them to stop attempts to collect this debt. As a single mother veteran living off of XXXX I can not afford to do this and my local police department will not allow me to take action here. In the XX/XX/2018 and again in the XX/XX/2018 I contacted the company asking if they would accept a settlement because even though it was not my debt I need it off my credit report and had tried to find a way to take legal action but had come up short. Both times the company said they were unwilling to accept a settlement because I owed the debt and they had to " buy it at full cost. '' The second time I had spoke to the company in the fall I explained again that i was not in the state at the time and asked for validation which I never received.
03/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 132XX
Web
XXXX XXXX claimed that I owed them {$180.00} due to clerical errors on their part, even though I paid them in full in XX/XX/XXXX. In XX/XX/XXXX, they erroneously gave me a {$80.00} refund on a XXXX XXXX. I called them to report this error, and they removed the balance from this card. A month later, I got another statement from XXXX claiming I owed them {$180.00} for XX/XX/XXXX, even though all statements after XX/XX/XXXX showed no balance. The attached statements tell the story of this {$180.00} charge mysteriously appearing in XX/XX/XXXX, after a mystery {$80.00} credit was issued in XX/XX/XXXX. Note that I closed my account in XX/XX/XXXX. My account was sent to collections with Credit Protection Association, where I was continually harassed via phone calls. I got sick of the harassment, so I paid the {$180.00} just so they would stop. However, I was not aware that a fraudulent entry would stay on my credit reports. During this entire time, I spent countless hours talking with CPA & XXXX, explaining what was going on, and disputing this amount owed. Neither company attempted to investigate this error.
01/15/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MA
  • 01832
Web Servicemember
on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.
05/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 352XX
Web
I was subjected to unauthorized charges ( cramming ), and breach of agreement within a contract. XXXX XXXX ( XXXX ) ( 1 ) Did not provide a brief, clear, non-misleading, plain language notification of the chang e ( s ) in service cost ; ( 2 ) Deadlocked me in a contract in an attempt to make me pay for unauthorized and unagreed upon service charges, subject to early termination fees and/or other fee ( s ). ( 3 ) provided me with documentation of having a {$0.00} balance then sending the unauthorized charges to a debt collector for {$620.00}. ( 4 ) placing the alleged debt on my credit report. The debt collector ( Credit Protector Association ) did not provide a non obstructable means to follow through in order to lodge a complaint on the account in question. I filed a bbb complaint in which XXXX admitted to not notifying me of charges. XXXX without my consent and agreement increased charges for services. It continued the contract to make it appear to be the same charge as before. After which increased charges, breaching it 's contract by breaking the agreement in service charge.
04/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33619
Web
Back around XXXX of XXXX , I learned that I had an account with XXXX XXXX XXXX XXXX for which {$300.00} was due. I understand that XXXX XXXX placed the account for collection with Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies. I contacted XXXX XXXX directly, explained I did not get any final bill or other notification, and paid XXXX XXXX the {$300.00} they said was due. XXXX XXXX said they could contact CPA and in struct them to delete the tradelin e CPA had previously reported, not just mark it as paid. As of XXXX XXXX , XXXX , the tradeline is still being reported to the major credit bureaus, such as XXXX and XXXX XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.
12/26/2019 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
  • 75287
Web
I have filed complaints and gotten responses from Credit Protections stating that they requested that this account be removed from my report and it usually takes 30-45 days for the bureaus to delete. Yet it has been well past this amount of time so I contacted XXXX today and spoke with them and they informed me that the last notification they received from Credit Protections was on XX/XX/2019 not on XX/XX/2019 nor XX/XX/2019 like they told me to have this collection account removed. I do not owe this debt I have spoken with XXXX XXXX and also with Credit Protections and neither of them are rectifying this situation they are all just saying that they have requested for it to be removed. I am being told lies and this is a recent collection that is hurting my score and again I DO NOT OWE THIS DEBT AT ALL SO REMOVE IT PLEASE! At least actually submit the request to the bureaus to remove it like you said and attach documentation to this complaint so that I can have it for my records this is ridiculous. Somebody do something please! Stop telling me one thing but yet this account is still on my report!
11/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33446
Web
XX/XX/XXXX The company " Credit Protection association '' XXXX Texas XXXX placed a collection in the amount of {$88.00} on my XXXX credit report on behalf of XXXX. I do not owe this money and XXXX has no record of ever sending my account to collections. Credit Protection association made no attempt to contact me by mail or phone. They did not give me an opportunity to dispute the error. I was not aware of the amount in collection and have proof that I am in good standing with XXXX. I recently applied for a mortgage and learn of this collection and Credit protection told me when I called the first time that they had no record of me in their data base. Two weeks later when I called they located the file. They refused to remove this from my credit report until they Verify with XXXX and they told me that they will not provide me any updates. They also refused to provide me with documentation when they clear up the matter. I need this for my records and to provide to my bank. My XXXX account is XXXX. I have been with XXXX XX/XX/XXXX and in good standing as my account has always been on auto pay.
12/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 182XX
Web Servicemember
I received my FIRST notice from a company called Credit Protection Association L.P. on or around XXXX XXXX, 2016 claiming I owe a debt to XXXX XXXX in the amount of {$74.00} plus a collection fee of {$12.00} ; totaling {$87.00}. I contacted XXXX XXXX and spoke with a member in their collections department. There was no record of my name or SSN to indicate I owe them a debt. I attempted to contact Credit Protection Association L.P. several times to no avail. I have sent them a letter describing my issue and have received no response, however the debt has been added as a collection to my credit report which has had a severe impact on my current credit score and report. What is more alarming is the nature of the letter, as it is almost threatening in nature and appears to be a scam. The letter claims they have contacted me several times, however this letter was the first I have heard of any debt owed to the company. It also goes on to state that they can not understand why I would " refuse '' to pay, claiming that most people are concerned about their credit and pay their past due balances.
02/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84092
Web Older American
This three-year-old debt claim is from a purported close out bill from XXXX ( phone/internet/cable ) at a rental property I had in Florida. I never received a close out bill from them ( although I always received monthly invoices at my address of record out of state and paid in-full on-time every time. XXXX never directly contacted me regarding this outstanding amount. I received 3 calls from the bill collector. Each time I stated that I had not received a final bill from XXXX and would not pay any amount via a verbal phone request. I need to see a final payment adjustment invoice. I called ( and web site chat room ) XXXX regarding the this bill each time requesting a copy of the final bill. On one such call the rep admitted it had initially been sent to the rental property, not the address of record. Still, I never have received a copy of the bill. No one should be expected to pay something blindly without a formal bill in hand. I did everything a consumer could do short of flying cross country and knocking on their door. No company should be rewarded for bad business practices.
06/26/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28803
Web
I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!
09/06/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 342XX
Web
Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. Ive filed complains with the FCC with NO RESPONSE at all. What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?
08/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 337XX
Web Servicemember
When we moved from our home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL we closed the XXXX XXXX account with the last day being Friday, XX/XX/2017. We moved to XXXX XXXX XXXX XXXX, XXXX, FL and received a bill for charges XXXX through XXXX for {$160.00}. I contacted XXXX 's collection department on XXXX and spoke with XXXX in customer service who admitted the charge was incorrect and that would correct it. I was told the charge for the 4 days would be about {$24.00}. We were told that it might be a couple of billings before the correction would be made. We never received a corrected statement and received a noice from the collection agency dated XXXX. We called them on XXXX to dispute the charge. We received another collection statement dated XXXX and it was for {$160.00}. We contacted them and they told us that XXXX had checked the statement and said it was correct. We informed them that we would be in touch with Consumer Financial Protection Bureau in order to get the billing correct. The new charge on on both of the Collection agency billing was {$160.00}.
02/20/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 439XX
Web Older American
My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.
03/03/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34652
Web Older American, Servicemember
On XX/XX/XXXX, a two ( 2 ) page written dispute letter explaining the grounds under which the alleged debt was disputed and was not owed by me was U.S. mailed return receipt requested to XXXX XXXX XXXX, the Florida Registered Agent for XXXX XXXX and their affiliates doing business in Florida, and such letter was received and signed for by a representative of XXXX XXXX XXXX on XX/XX/XXXX. To date, XXXX XXXX has not acknowledged and/or responded to this dispute letter. During the mid to later part of XXXX, XXXX, my first and only correspondence from XXXX XXXX XXXX, XXXX mailed me notices ( first dated XX/XX/XXXX and the second dated XX/XX/XXXX, XXXX ) which failed to disclose in such notices in violation of FDCPA the following, but not limited to, illegal acts and/or violations- ( i ) debt was in dispute, ( ii ) my right to dispute validity of debt and be provided proof of said debt even though it had already been disputed, and ( iii ) threatened to report debt to credit reporting agencies without disclosing debt is in dispute.
08/05/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35211
Web
I moved from XXXX Massachusetts to XXXX Mass. Not knowing that I had a bill from XXXX XXXX. I put in a post office change..got a bill from credit protection..Which I thought was fake..I called XXXX XXXX..they told me how much I owed..I set up a payment plan with them to pay XXXX per month until bill is paid in full..XXXX XXXX was accepting my payments..then I got another card from credit protection saying to call them..on XX/XX/15, I explained to them I already have set up a payment plan with XXXX XXXX..I was told, stop paying them you have to pay us..I paid my first payment of XXXX to them and told them I will be paying XXXX through my bank XXXX and XXXX then finished..I specifically asked the guy I was talking to would this affect my credit he said NO. As long as you pay..two weeks later they put it on my credit report..this isn't right..I want this off my report NOW..the last XXXX I sent to be paid on XXXX and XXXX..no payment owed..DO THE RIGHT THING..IF I KNOWN THIS, I COULD'VE CONTINUED TO PAY XXXX XXXX.. XXXX
09/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28401
Web
I contacted an original creditor ( XXXX XXXX ) to pay a debt. The creditor told me the amount owed and I paid it. I was told that my debt was paid in full and I was not responsible for any other amounts. I have record of this conversation and the payment. That creditor then sold some other portion of the debt that I, believing the debt was paid in full, was not informed of and not given the opportunity to pay, to a collection agency. The original creditor acknowledges their representative made a mistake ( according to the supervisor I spoke to, the representative I had talked to misquoted the amount I owed, leaving me with an unpaid balance ) and that I had every reason to believe the debt was paid, but offers no solution other than for me to pay the collection that was unfairly placed on my credit report. I know that simply paying the collection will not remove it from my credit report and it will remain for XXXX years even after payment. I feel there has been some violation of rights here. Can you offer any advice?
08/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 195XX
Web
On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.
07/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23666
Web
In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.
06/27/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32803
Web
I cancelled service with XXXX ( formerly known as XXXX ) in XXXX of XXXX. When checking my credit report on XXXX XXXX in XXXX XXXX, I noticed that there was a collections notice from XXXX ( via collections agency Credit Protection Association ). I never received a letter or email that there was an outstanding balance. I was never notified of any payments to be made until I myself checked my credit score. I immediately paid the outstanding balance and was told verbally that this collections would not show on my credit report. I am now in the process of buying a house and the collections notice still shows on my credit report as paid, but closed. It was not removed as promised. I was also not notified that I was able to dispute the charge, I was told that if I paid the amount the collections would be removed from my credit report. This is not the case. I have spoken with both XXXX and Credit Protection Association both of which said " there is nothing they can do '' at this point in time.
03/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 342XX
Web Older American
This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX 's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is XXXX.
07/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32712
Web
I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. I stated I would like the letter they promised when I contacted them on XXXX XXXX.
10/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27530
Web
I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account
11/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 325XX
Web
I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. Many years later they are sending bills and have placed a collection item on my credit report. My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them up.
04/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 61108
Web
I requested my free credit report at XXXX XXXX XXXX and noticed that they had me for Placed For XXXX XXXX XXXX XXXX XXXX XXXXXXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX I don't know what is going on but this account does not belong to me and its affecting my credit. I need this account to be removed if they don't have anything in writing by me or signed they need to remove this immediately from my credit report that includes from all XXXX XXXX XXXX XXXX Im checking my credit report and writing letters to dispute accounts. I do not recognize as well and sending them notorized and mailed certified as well. I ask please to investigate and have XXXX XXXX Removed that account once again does not belong to me. I also noticed that they have me at XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX I never lived at that address please have this as well removed from my credit report thank you.
10/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 430XX
Web
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
08/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20910
Web
We signed up with XXXX in XXXX yet had multiple Internet, TV, and phone outages. At first I was told we would be given three months of credit for our troubles. After that did n't happen -- due to XXXX 's shoddy record keeping -- and the outages persisted, I explained to them that since their service was unreliable we had to cancel our account with them and did not want to be held responsible for the early termination fee. The agent that cancelled my service told me this would be taken care of in early XXXX. Over the course of the last nearly two months, I have been told by at least SIX different XXXX representatives how sorry they are that the charge has not been removed and how they will eliminate it and it is not our responsibility. Not only have they still not eliminated it -- nor even have any record of my previous calls -- but now I am getting collection notices from Credit Protection Association threatening to report me to the credit bureaus.
07/26/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
To Whom It May Concern, I have a collection account on my XXXX , XXXX and XXXX credit bureau files from the company, Credit Protection, account number listed as XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
10/18/2019 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
  • MS
  • XXXXX
Web
CREDIT PROTECTION ASSOCIATION - has illegally reported inaccurate information on my credit file. XXXX XXXX was paid on time every month per the established payment arraignment. The file was sent to CREDIT PROTECTION ASSOCIATION whom began illegally reporting a balance that was never delinquent or in default. After speaking with several representatives at the business on XX/XX/2019. I was told by a supervisor that the inaccurate information would be deleted from my credit file upon their next update to each credit bureau. As of XX/XX/2019 the inaccurate information is still on my file. I called CREDIT PROTECTION ASSOCIATION again on XX/XX/2019 and they are not holding up to their end of the agreement to remove the inaccurate information from my file as advised on XX/XX/2019. This issue is a violation of the FCRA. CREDIT PROTECTION ASSOCIATION Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
01/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98056
Web Servicemember
the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.
11/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33569
Web Servicemember
This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.
08/05/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • XXXXX
Web
I am being repeatedly robo-called by the Credit Protection Association " on behalf of the XXXX XXXX XXXX XXXX. '' I do not have any outstanding debt, as I have never had ANY debt, related to the XXXX XXXX XXXX XXXXXXXX. I have contacted the Credit Protection Association twice, which can not find any of my idenitifying information anywhere in their records -- -including my phone number, which continues to receive automated calls daily -- -and have been advised that because they can not find me/my phone # in their system/database, they can do nothing to stop the calls. Therefore, I have also contacted the XXXXXXXX XXXX XXXX XXXXXXXX directly, which confirmed that the Credit Protection Association is an in-house debt collection agency, and also confirmed that I am not in their database, and do not owe any amount -- -yet, they too claim to be powerless to stop the automated calls I am receiving daily.
01/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37069
Web
I've been receiving calls since XXXX of XXXX for an alleged debt for XXXX, a cable company in a former residence of mine. I never had an account as cable was handled 100 % by the apartment complex and included in rent. Nonetheless I asked for account details and they had dates that were completely wrong. I didn't even live in the city when they stated my account started. I verified this with XXXX as well. I have asked for proof of this debt, given Credit Protection Associates my address, and they have not sent a single thing. The " proof '' they have is not accurate and I have not witnessed it myself. *Note* A different company attempted to collect for this same debt in XXXX and XXXX had 0 record of my account, but now they claim to. How could I not have any information in XXXX, but suddenly do in XXXX? I originally submitted a complaint in XXXX of XXXX with the CFPB. Case number : XXXX
07/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 761XX
Web Servicemember
Back in XXXX I received some old forwarded mail from an address I have not lived at for a long time. Included was a collection letter from Credit Protection Association, LP stating I owe money from sold old toll bills. The license plate number listed on their letter is not mine. I attempted to contact them several times but they refuse to give any contact info other than where to send payments. I finally was able to find an email address and when I emailed them they replied that I should contact the DMV and the NTTA to find out why they were given the wrong license plate information. Clearly they do not understand federal law under FDCPA requires them to validate the debt and does not require me to find out why they have incorrect info. I have continually asked them to validate the debt and they refuse. They also can not even spell my name correctly on their collection letters
04/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 620XX
Web
After checking my credit scores, i discovered a derogatory mark on my credit from XXXX XXXX XXXX as the original creditor. The date of the mark in question is from XX/XX/2014 ( 4 yrs, 11 mos ). The mark in question was placed for collections to CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which after digging around online, I found that this collection agency not only has some questionable history, but is also based out of Texas. According to certain laws if the debt collector does not have the proper license to collect from certain states, then it is blatant fraud. I WANT! This derogatory mark REMOVED FROM MY CREDIT HISTORY AS I NEVER SIGNED UP FOR XXXX XXXX XXXX Because at the time where i was living XXXX XXXX WAS NOT AVAILABLE IN MY AREA FOR SERVICE. I deemed this derogatory mark as fraudulent and has damaged my credit history. Sincerely : XXXX XXXX.
01/20/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30309
Web
The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.
08/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19087
Web
XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P .
02/28/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33801
Web
RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.
03/25/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 328XX
Web Servicemember
Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.
01/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • XXXXX
Web
I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..
01/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 163XX
Web
Company is Credit Protection Assocation. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however XXXX doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.
08/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • XXXXX
Web Older American
XXXX XXXX still trying to defraud us by charging us for the bill we already paid in full, before we left XXXX, XXXX. We also returned all equipment provided for our TV services then. They continue to defraud us for no good cause, but, finagling and Gouging us unlawfully. We definitely do not owe XXXX nothing, after my wife and I went to XXXX store to turn-in equipment and paid the rest of our bill there. I also wanted to have them stop sending my bill to my daughter 's address, rather send them to me if so desire. My address : XXXX. XXXX XXXX XXXX, XXXX XXXX, otherwise, XXXX ought stop sending out unnecessary harassment defrauding bills were already paid. There Address : XXXX XXXX C/O Credit Protection Association XXXX. XXXX XXXX XXXX XXXX XXXX. It was sent to my daughter 's address, since we sold our home in XXXX, XXXX
07/28/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91911
Web
I received a collections notice from Credit Protection Association regarding a XXXX XXXX debt. Originally, after changing banking information with XXXX XXXX, I received a {$25.00} fee, which I disputed. After speaking with " Billing '' in Customer Service at XXXX, I was told the fee would be taken away if I continued service, in which I did not wish to do. I was then told I would be sent a " Final Bill, '' which included about 2 months of service and the {$25.00} fee for a total of around {$86.00}. I then wrote a letter to Customer Care at XXXX XXXX XXXX in XXXX XXXX, CA and sent a {$43.00} money order for the last month of service I had told them I would pay. On XXXX XXXX, I received a collections notice from the named collection agency regarding an attempt to collect {$42.00} of the remaining debt to XXXX XXXX.
01/18/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60462
Web
I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. Payment for what? I researched CPA, called their billing department. There was no answer. Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. Now XXXX checked my credit yesterday, XXXX XXXX. Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. Please check into Credit Protection Association. They may be working with XXXX. May be the same people. It 's not right that they scare people like this.
10/10/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33327
Web
I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact me
03/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35244
Web
Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.
05/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78757
Web
I had internet service with XXXX and was never notify account was sold to XXXX XXXX. My credit card was originally charged the same amount ( has a different name, and I thought XXXX simply changed name ). The monthly fee started to slowly increased without any notification and I called and cancel service only to be told to contact XXXX. I called XXXX to cancel service and they confirm cancellation.. but said they have to charge me for an extra month even after my service is canceled and switched to another cable company. XXXX sent my extra month bill to a collection agency and per " Fair Debt Collection Practices Act '' I wrote to the agency twice ( on XX/XX/19 and XX/XX/19 ) and cc XXXX to show proof of my debt. They continue to ignore my request and keep harassing me with debt collection.
01/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89183
Web
The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.
10/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34677
Web
I cancelled my XXXX XXXX on XX/XX/XXXX, at the time of disconnection they provided me the amount of my outstanding balance, which I paid via credit card over the phone. Today ( XXXX ) I received a collection notice from Credit Protection Association L.P. on behalf of XXXX XXXX. When I called XXXX XXXX they informed me that they made a mistake in the calculation of the final payment due, and adjusted it after I made the final payment. XXXX XXXX NEVER notified me I owed anything else, no mail, no email, no phone call -- they just put me into collections. I made the payment today, I would have made it sooner had I known that I owed them money. Putting me in to collections without ever sending me a bill is unethical, and now I have damage to my credit rating through no fault of my own.
11/09/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
To the best of my knowledge, Credit Protection Association ( CPA ) began reporting a collection for XXXX, in the amount of {$290.00}, around XXXX 2017. XXXX took over from XXXX and believe you me, it was all downhill from there. Their customer service, billing, and other representatives would have to work their way up to become incompetent. Nonetheless, since I have no knowledge of this debt, I have disputed it via the individual reporting agencies ( XXXX, XXXX, XXXX ). CPA has verified the account to each, so it remains on my credit reports. I have yet to receive anything to validate the debt, so I am still unsure if it is even legitimately mine. Since they wo n't remove it through the reporting bureaus, I 'm not sure how else to get it done, other than to report it here.
05/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22191
Web
I have received over XXXX calls from Credit Protection Association L.P ( CPA ). I have spoken with them several of times telling them that my debt was through XXXX and that it was paid off to XXXX. I have been given an array of different information from CPA representatives ranging from my account name is under a " XXXX '' ( I am not XXXX, nor do I know a XXXX ), the account is over a year old ( but I never received a notice ), the account can not be found under my phone number ( but they still keep calling ), and the account wont be deleted until the balance is paid. I was instructed by XXXX to deal strictly with XXXX. I have done so and cleared my balance but I still keep receiving phone calls. I need the harassment to stop. Please help. Thank you!
08/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78746
Web
I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.
07/22/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30080
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19355
Web
I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.
11/01/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33596
Web
Credit Protection Association began reporting a XXXX XXXX collection of XXXX in XXXX XXXX. As I have no legitimate debts to XXXX, nor XXXX, whom XXXX acquired the account from, nor have I received any bills to suggest otherwise. There was an unexplained increase to the bill once XXXX took over but that was adjusted after complaint to XXXX. I have disputed the collection to the various reporting bureaus. Oddly, the company has responded to the disputes differently for each XXXX. While it was deleted from XXXX, it was verified as accurate to XXXX. I 'm no expert on how credit reporting works, but common sense would tell me that if a debt is n't valid in one place, it is n't valid at all. So how are they able to report it differently?
06/01/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32720
Web
In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.
12/03/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • WI
  • 54115
Web
XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped.
11/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 298XX
Web
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
07/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94577
Web
In correspondence dated XX/XX/2018 I sent this company my disputes in regards to validation of the debt they say I owed them.To my surprise, this company did not validate, neither did it indicate that I have disputed this account : CREDIT PROTECTION ASSOCIATION ACC # XXXX As a result, this company is in violation of FDCPA and California Credit Reporting Act, firstly, failing to mark the account as disputed on the credit report. And secondly for failing to validate the account. These my final correspondence after which am prepared to file a lawsuit against them Attached : Copy of my initial letter to this snapshot of account from latest report, showing the account is not showing disputed Small claims form ( sc-100 )
08/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15227
Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.
03/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85338
Web
C.P.A. has reported to at least XXXX credit bureau I have a debt in collections which is not mine. They claim I owe {$1300.00} to XXXX XXXX from an address in XXXX, TX in the year XX/XX/XXXX. I have lived in my current address since XX/XX/XXXX. They do n't have my SSN. Nor did they check if I ever lived at the XXXX address in XXXX, TX. I have called them and they are telling me I must go through all the credit bureaus to take care of a problem they knowingly created. On top of that, I was trying to make major purchase when I discovered this. As a result I did n't make the purchase because of the higher interest rate caused by the credit score. The purchase at the terms I was trying to get is no longer available.
07/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • WI
  • 530XX
Web
I set up an amount for credit protection to take out of my checking account for 3 months, made arrangements in XXXX , started taking money in XXXX , XXXX , and XXXX . They were supposed to take {$180.00}, which they did plus an additional {$150.00} that was never mentioned at all. Because of that I had withdrawn money and it hurt my balance bad, so I did n't have enough money to pay my bills. I did n't see the statement untill XXXX , when then took out the same thing. I 've never got any paperwork or notice about this. I sent them an email but I sent it yesterday, so I have n't heard anything which I figure will be Wednesday by the latest. I 'm in the process of stopping any more withdrawals from my account.
01/29/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 320XX
Web
I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.
07/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93311
Web
I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the account.
02/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 93313
Web
ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX
11/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 337XX
Web
When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.
08/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 22204
Web
I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX.
06/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92886
Web
the XXXX XXXX XXXX XXXX sent me a bill for a toll infraction in or about XX/XX/XXXX. I responded letting them know the vehicle was a lease and returned to the dealership in XX/XX/XXXX before the infraction. They asked for proof of the vehicle return, which i faxed in. The XXXX responded wanting more documentation of the vehicle return before the infraction date. I faxed more documentation as requested. On XX/XX/XXXX I received a collection notice if I didn't dispute the validity of the debt within 30 days the collection would be considered valid. Unfortunately the 30 days ends today and I have to pay even though the debt is not valid. I would like to attach documentation at future date
10/11/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32606
Web Servicemember
Credit Protection Association has submitted and account for collections without proper notification or the ability to dispute the debt as valid. I never received anything in the mail from this account nor have do i recall ever utilizing this service. It is against FDCPA to report any information without following proper protocol therefore allowing the consumer the opportunity to dispute the debt or proper notification about the debt. In this case neither were done CPA just took it upon themselves to provide inaccurate unvalidated and unlawful information to the credit bureaus. In my case this information has been on file since XX/XX/2014 and has been reported unlawfully for over 3 years.
04/17/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 393XX
Web
I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.
12/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 620XX
Web
On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.
03/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89031
Web
This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. Thank you
04/27/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93311
Web
I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They are misrepresenting the balance to double the actual amount. I have one debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.
06/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94114
Web
A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. I have no idea what this is about, I just want it to stop.
05/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 93308
Web Older American
On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.
06/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • XXXXX
Web
I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. If you can help me I would appreciate it. thank you
02/02/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • IL
  • 60640
Web
I had an account with XXXX and I was paying regularly, I sold the whole building which consists of XXXX units, I found a collection under credit protection association LP on my XXXX report that I owe them {$290.00} unpaid, I did pay even its not mine and they said they will delete it because its not mine and no sufficient info about this account, however it 's not deleted as requested and it 's not mine, I had XXXX bill on basement and their collection does n't include any Unit number and they have phone that does n't belongs to me and wrong amount, however I had original bill and shows payments for the specific unit and account number different what is in collection.
11/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21804
Web Older American
I signed up for a 2 year contract for XXXX @ {$110.00} a month winter of XXXX, and by XXXX they were charging me around {$150.00} a month. I only paid the {$110.00} each month until XXXX XXXX when I had them turn off my service and returned their equipment to them. They are putting the excess charges up for collections. I only owed and paid them the contract amount each month. They broke the contract by raising my monthly bill. Account # XXXX, Amt disputed {$99.00}. I have disputed this in writing with them and copied all XXXX credit reporting agencies. Collection agency is Credit Protection Association , L.P . I have copies of bolls and letters if you need them.
03/14/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92103
Web
This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. Please help!!
08/22/2017 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34743
Web
I keep receiving automated calls from an agency called Credit Protection Association ( so far two that I can tell on XX/XX/XXXX around XXXX XXXX and XXXX XXXX, there might be more calls ). I do n't answer the calls and then they leave a voice message saying that they are this agency, the say my full name and state that I have a debt they want to collect, which I do n't know about but I assume it could be from a recent already paid amount I owed to XXXX XXXX XXXX, paid directly to the cable company on XX/XX/XXXX. I am not sure this is the case. It could be some false debt they are trying to collect. Never paid them a cent and never heard from them before.
11/22/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33710
Web
This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.
12/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78665
Web
Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.
06/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 15227
Web
On XXXX XXXX , 2017 I was mislead into paying a past debt for XXXX XXXX XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at XXXX XXXX company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both companies several times and nothing has been done.
05/19/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • DC
  • XXXXX
Web
This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.
04/22/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • DC
  • XXXXX
Web
This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.
01/17/2018 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33612
Web
Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).
01/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10801
Web
Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.
08/14/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • XXXXX
Web
For more than a week the Credit Protection Association calles me from XXXX and leaves a voicemail for someone I do not know. The recorded message directs the receiver to call XXXX if the receiver is not the the debtor in question. I called the second number and it plays 14 advertisments befor directing the caller to dial XXXX as the intended recipient has changed their number. This leads to a XXXX information service. This is an serious abuse of my time and I suspect someone is recieving payments for making me listen to all those ads. I feel that CPA is profiting from calling people they know full well are not debtors.
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 279XX
Web
XXXX cable has sent me to collection for {$210.00} i was sent to credit protection association XXXX account # XXXX. they where informed this is a legal dispute and there is no debt owed. I am seeking damages due to poor quality service provided and network outages has resulted in a loss of trading profit of {$4900.00}. i do not owe them nothing for poor quality service provided. so i hear by now dispute this debt with you also. i have disputed this debt with the collection agency and XXXX personal and they keep on trying to collect. the damaged out way the debt. so this debt was paid when the damages out ways the debt.
10/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75218
Web
XXXX XXXX erroneously charged me for a 2nd account when I moved in 2017. They then turned me over to Credit Protection Association of XXXX TX, a collection agency. I disputed the charge with XXXX. CPAssoc & XXXX. I paid my last bill of {$170.00} on XX/XX/2017 for XX/XX/2017. Then paid {$33.00} for the 1st week of XX/XX/2017 after I moved. XXXX screwed up by shutting off my service 5 days early - on XX/XX/2017, so they opened a new account for the next 5 days.These unpaid charges should have never existed. The collection agency refused to discuss the problem. XXXX evidently contacted only the collection agency.
01/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75022
Web
On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.
05/08/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75034
Web
I have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
02/16/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • MD
  • 20902
Web
I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.
04/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10309
Web
XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
02/27/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46239
Web
I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.
09/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77066
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
08/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77066
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
11/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80027
Web
Hi, My name is XXXX XXXX XXXX and recently I have been receiving collections notices in the form of calls and paper notices. They are coming from Credit Protectors Association and said the creditor was XXXX in the XXXX. They are looking for an XXXX XXXX XXXX, not XXXX XXXX XXXX, however they have my phone number as well as my parents address. I lived in XXXX XXXX, XXXX from XX/XX/XXXX- XX/XX/XXXX however I did not use internet or phone while down there. I have never heard of this company before and I am worried that this is an identity theft issue. Thank you so much for your time, XXXX XXXX XXXX
10/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21230
Web
On XX/XX/17, I submitted a complaint through XXXX regarding Credit Protection Association ( CPA ) in TX, which reported a collection on my credit report regarding an account. They agreed to delete it from my credit report and they did. However, last week I received a notification from my credit monitoring that CPA reported another, if not the same account that was deleted a year ago. I have not received any notice regarding the collection and I have the right to receive a notice and to be given a chance to validate the debt before Credit Protection Association reported it to the credit bureaus.
04/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22406
Web
I had an account with XXXX at XXXX address. When I moved to another address I learned that comcast was not available for that address which forced me to incur a early termination fee of {$160.00}. After to trips to a XXXX and call with customer service I was assured the {$160.00} would be credited. Now I have received a collection notice from XXXX. I do not know what to do at this time. They have threatened to add this to my credit report if not paid. I also have a {$60.00} charge from XXXX that was paid back in 2014 but not applied to my account and I 'm being ahrrased tp pay that amount too.
01/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76262
Web
XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.
05/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77584
Web
The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.
12/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 606XX
Web
I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60005
Web
NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee XXXX
06/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33569
Web Servicemember
According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed from my credit reports.
07/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34205
Web
I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you
04/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 954XX
Web
I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest.
04/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92115
Web Servicemember
Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.
01/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33312
Web
There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. ****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
07/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
Switched Internet/phone service to another company and had paid my bill for the last month of service. Had nothing but problems with their billing department making promises from retention department to keep my business only to call back and find there would be no record of these promises in their sysyem. They said they always charge a month in advance and I informed them I was switching and still got sent a bill. I returned all equipment including remotes in the time frame requested and do.not owe them a thing. XXXX has already DELETED this from my report.
10/01/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 346XX
Web
XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.
06/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32839
Web
I disputed a zero balance collection from Credit Protection, XXXX XXXX XXXX, XXXX TX XXXX. The debt was paid in XXXX of XXXX. I sent letters to ask for removal and received no response. I then disputed the amount with XXXX. When XXXX intervened, Credit Protection reported/updated my account as a new collection as of XXXX, resulting in a XXXX point decrease in my credit score. Even though the balance is {$0.00}, the incorrect date of last activity severely damaged my credit score. XXXX is also disputing on my account. The confirmation number XXXX.
02/20/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98122
Web
Orginated from a gas bill from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a rental property. Property manager failed to pay or notify me. When I learned of the situation, I immediately contacted XXXX and the debt collection company. XXXX provided proof of payment for me to send to collection company. I've notified the collection company and tried to dispute via XXXX, but company keeps saying debt not paid. This is adversely impacted my credit score and ability to get a fair interest rate ( recent car purchase, rate was higher to do this ).
08/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33625
Web
I was a customer of XXXX XXXX. We had agreed on a price for one year before the end of the year. I did not say please cancel my account with you until the day indicated they told me there is nothing to do because your phone number is in a transfer position to another company there is closed the account I thanked him and finished the conversation Then they started to send a bill for which I had not used anything because until today I had paid 12 months and there are still up to this moment that I am in the credit report damaging my reputation
08/02/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
Credit Protection Asso, for XXXX/XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017, also a Complaint was sent to Florida Office of Regulation because Credit Protection Asso, is NOT licensed in the State of Florida to Collect such debt. No response has been made to the complaint. This debt is reporting FALSE information on the following credit agencies, XXXX, XXXX and XXXX. Reporting in the amount of {$560.00}. This is a Violation of the FRCA.
01/27/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94112
Web
I have a delinquent account that has now shown up on both by XXXX report and XXXX Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent. The amount that is now showing up as a negative Pay Status is for {$2400.00}. I've filed disputes twice with both XXXX and XXXX and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
04/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 13760
Web Servicemember
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.
08/16/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11727
Web Older American, Servicemember
This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out standing balance was XXXX which I paid in full.
01/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32796
Web
This company says I owe XXXX for XXXX XXXX XXXX. I lived in XXXX, XXXX and XXXX does n't serve the area of XXXX I lived in. I 've tried to have it verified, but all I get is this for a answer. Credit Protection ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Cable/Cellular ; Client XX/XX/XXXX ; Amount {$360.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$360.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX
12/02/2019 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
  • 75287
Web
I submitted a previous complaint about an account that was not correct and should have never been on my report at all because I do not owe them any money. Credit Protection responded stating that they will be terminating the account and it will be removed within 30 days it has been well over that 30 days and yet this collection still shows on my Credit Report and is hurting my score. Again I do not even owe this company and that has be justified and verified as well so I am needing this collection to be removed ASAP!
02/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34748
Web
I called Credit Protection Association on XX/XX/2017 in an attempt to pay off this account. We have been working diligently to repair our credit in order to be able to purchase a home. When we paid the debt, we were led to believe that the account would be deleted upon payment, but that was not the case. On XX/XX/17, the account was marked paid, but it was not removed. This payment did not improve my score, and we are now, a full year later, working to remove it because of the lack of improvement due to this account.
07/11/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AZ
  • 85706
Web Older American
Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.
07/05/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 015XX
Web Older American, Servicemember
Date XX/XX/2018 XXXX Recieved another phone call requesting that a person, I do not know, call back for a debit collection action. Person looked for is " XXXX XXXX '' I called back the number. And informed them of the improper name, etc. & when I told the representative I was forwarding complaint to you he basically blew me off, told me to do whatever. This is the 4th or 5th time that I have called & tried to be reasonable with the company. To no avail. Please stop the calls to my home XXXX XXXX XXXX Home
07/26/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40218
Web
When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still
12/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • XXXXX
Web
XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached
04/30/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63116
Web Older American, Servicemember
These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better
08/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77019
Web
I have disputed the information that Credit Protection Association has put on my credit reports numerous times. I do not understand why this collection is on my account when I never owed them money and settled the debt with XXXX directly in 2019. This account needs to be deleted from my credit report. I do not owe them money and I never have owed this company money. It is showing as paid and I never paid them any money on this collection, so obviously the account is showing gross inaccuracies.
04/13/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
I XXXX XXXX XXXX have received a notice from Credit Protection Association, LP ( CPA ) alleging that I owe them a debt of {$550.00}. I have no knowledge of this company nor accept or acknowledge having or owing them any debt or money. I would ask that they validate this debt with original documents proving my ownership. I have mailed an official response letter to them within the 30 day response window provided by FDCPA law. I have attached a copy of their notice to me and my response to them.
11/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32907
Web
Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.
05/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AL
  • 35226
Web
I noticed a debt from Credit Protection on my credit report from XXXX XXXX. Thats odd becasue I 've had XXXX XXXX since 2006. I also noticed an account transfer from an apartment to another apartment, thats also odd considering I have been buying my home since 2006. I never gave anyone permission to request services from XXXX XXXX, which will open an account to anything or anyone under the sun without asking for proper ID. Now a collection account is showing for an account I never opened.
08/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77055
Web Older American
Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.
07/22/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 337XX
Web Servicemember
In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on me.
06/29/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 931XX
Web Older American
I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. I knew that I owed nothing but called XXXX XXXX and verified that. Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.
10/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PR
  • 009XX
Web
I am a victim of identity theft. The companies " XXXX XXXX '' and " Credit Protection Association LP '' damaged my credit with fraudulent information for the amount of {$1600.00}. I requested on XX/XX/XXXX via fax to both companies to stop reporting fraudulent information, investigate this matter and remove fraudulent information from the CRAs. As of today, no answer has been received and my credit is still severely damaged. Before this incident, my credit score was XXXX.
05/18/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77090
Web Servicemember
I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.
10/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • XXXXX
Web
Credit Protection Association is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Protection Association ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91911
Web
i closed my account with XXXX in XX/XX/2016, i paid my account off and returned their equipment to their office. they have hired a debt collector in XXXX Texas and have put a charge of {$60.00} on my credit, i have contacted XXXX and they refuse to disclose to me why i owe this amount even though they are the ones that say i owe that amount, i no longer have a contract with them and they have reported that i do indeed have contract still open which i do not.
09/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33897
Web
They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency
08/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85035
Web
Debt was paid on XXXX/XXXX/2015 in the amount of {$76.00} to credit protection association. This company then sent another bill on XXXX/XXXX/2015 for the amount of {$92.00} requesting an additional payment on a paid in full account. This company stated upon paying the debt in full that the information would be removed from all three credit bureaus. However, the company has only updated the amount to a {$0.00} balance which is still affecting my credit.
04/14/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10308
Web
Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92392
Web Older American
This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 12010
Web
I received a phone call at my mother 's home, on her answering machine. It was an automated call, looking for me, about collections. I have nothing in collections. A week later I got a letter in the mail demanding I pay {$52.00} to " Credit Protection Association L.P. '' because XXXX XXXX turned over a debt to them. I do n't owe XXXX XXXX anything and my name is NOT on the utility. This is a fraudulent attempt to collect money I do not owe.
07/29/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07650
Web
I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.
03/30/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94109
Web
I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.
12/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10468
Web
There is electric bill under my ssn for XXXX XXXX XXXX XXXX, NY. I have never lived at this location. I contact the management company and because this address is public housing, tenants do not pay all bills are included in the rent. I called the company and I was not given any information about this account and the representative was not able to provide and reason, dates, or explanation as to how the company received my information
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77449
Web
I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.
05/02/2019 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
  • 75038
Web
Credit Protection Association, L.P. refused to remove negative reporting from credit reports. Did not produce enough evidence of proof of debt. No proof of debt shown. Creditor remarks incomplete or incorrect. No evidence of original requests to open account or pay for Service. Fraduanlt account, investigation process status showing completed, and statement posted says compliance with FCC regulations. Yet did no show proof of debt.
10/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28269
Web
I signed up for a XXXX account, I did not downgrade but upgraded the account, however when I relocated to XXXX, XXXX from XXXX, XXXX an early termination fee was reported to collection agency which I never signed for. Attached is a copy of my signed contract that was renewed and subsequently upgraded with a phone service. The amount of about {$200.00} dollars now reflects in my credit report, please your intervention is needed.
02/03/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90064
Web
Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.
08/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33770
Web Servicemember
This is being sent in response to notices sent to me from " Credit Protection '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
08/15/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 170XX
Web
The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.
06/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60148
Web
I receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime.
11/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92672
Web Servicemember
I paid this debt In XXXX, It still went on my credit report as unpaid even after I paid it in full, I contacted the credit collection and they removed it, however, they still continue to send me notices and put it back on my credit report as a debt. I have contacted this agency more than once, I have also submitted proof of payment, which is attached, my bank statement showing the payment in full, back in XXXX.
04/26/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • ME
  • 040XX
Web
A debt collection agency has repeatedly called me first thing in the morning XXXX waking me up ( I work the late shift ) seeking a debt collection from a XXXX XXXX? I have tried several times to call the number they provide ( XXXX ) to remove my number from their list but it brings me to a dead end and disconnects. I have an old answering machine so do not have a caller ID. Please make them stop. Thank-you!
03/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 770XX
Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
07/04/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33322
Web
To Whom It May Concern, On XXXX XXXX , 2017 , I received a collection notice from Credit Protection Association, L.P., stating that I owe {$290.00} to a said XXXX , Formerly XXXX XXXX XXXX . XXXX I contacted XXXX XXXX and was informed that they do NOT have an open or past account under my name in the state of Florida. XXXX Thank you for your assistance, XXXX XXXX XXXX
06/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 93534
Web
I received a recent collection notice requesting payment of {$80.00} for an alleged past due account with XXXX XXXX who I am a current, longstanding, good customer with. This is the XXXX time I have heard of this company Credit Protection Association, LP or this debt. I was never sent a notice of right to dispute nor have I previously been contacted by mail or telephone regarding this alleged debt.
04/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • XXXXX
Web
I received a notice from this company saying I owe a debt to " XXXX '' an electric provider. The problem isXXXX is the original creditor, yet : XXXX is on my credit report for this as well as " XXXX ''. I have filed a complaint against " XXXX '' for not removing themselves from my credit report when they sold the debt to XXXX in XXXX. Now here is another agency trying to collect the same debt.
08/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89134
Web
CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. The debt is not mine.
12/10/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 20743
Web Servicemember
I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NY
  • 14072
Web
Credit Protection Association used lies and deceit on several phone calls. Eveery agent did not recite the mini miranda. I was told by XXXX agent that thy do not accept settlements. Then i was offered XXXX. The next agent gave me a settlement figure and I told them I would raise the funds. XXXX XXXX stated that I did not respond within 24 hours and I have phone records to prove otherwise.
12/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78665
Web
CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.
04/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • OR
  • 97420
Web Older American
I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.
08/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77301
Web
I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help
10/09/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17356
Web
We moved in XXXX 2017 to a new home. XXXX sent a debt for a cable bill that was for my daughter to a debt collector. My daughter, s service was not at my home. My daughter is XXXX. The collection agency must have obtained my address from XXXX. I tried talking to XXXX. but they said they could not help. Tried the collection agency but never could speak to a real person.
10/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 153XX
Web Servicemember
Received a Collection Notice from : Credit Protection Association L.P . XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.
08/20/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
Web
This debt has been placed on my credit. No knowledge of this debt the residence this only debt I never live there try to dispute the death of XXXX XXXX XXXX XXXX will experience I’m able to they want to collect $XXXX and which I don’t know why and I don’t know when it’s wet come from trying to dispute it and try to get information about it with no of course.
12/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91910
Web
I first got a letter from credit protection association to pay my bill I was worried and payed it off right away and now they have been harassing me through mail and phone, one male on customer service was very rude was yelling at me and saying my payment did n't go through and if I did n't pay my credit will get hurt. The latest letter i had is XXXX/XXXX/2016
10/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 68105
Web Older American
XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.
08/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43214
Web Servicemember
Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.
04/19/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 331XX
Web
XXXX XXXX disconnected my T.V cable without notice. I never received a bill from them. I called them to to pay the bill and to let them know i've never received a bill nor any notifications online. To reconnect the cable i had to pay way more i was informed, so the technician can re-install XXXX XXXX and it wouldn't be connected right away.
06/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02151
Web
My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).
01/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28208
Web
My complaint is with Credit Protection who is trying to collect on a XXXX XXXX account from XX/XX/2011. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report.
06/13/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • FL
  • 34655
Web Servicemember
Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.
10/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92101
Web
Credit Protection Association, a debt collector, has filed a negative credit item with XXXX. I have disputed the item with XXXX. Credit Protection Association has certified to XXXX that the debt is correct. However the debt is related to a XXXX XXXX account that was opened in XXXX of 2019. I have not ever opened a XXXX XXXX account.
04/19/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 10701
Web
I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to XXXX XXXX , but my billing history shows that I paid every bill.
05/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34205
Web Older American
I received calls two days in a row from XXXX, claiming that I owed $ XXXX for two unnamed items. I waited for an operator to come on line. I then explained that I had no such bill. She apologized and said they would remove my name. Identical recorded message both days. Both days I threatened to contact authorities. She hung up.
03/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33617
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
04/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 47150
Web
XXXX XXXX XXXX. is reporting on my credit file that I owe a balance of XXXX to them for XXXX XXXX. This was paid in 2017. I have tried to talk to them and they refuse to delete it. I have even sent a letter from XXXX XXXX showing that the debt is paid in full. The CRA 's will not remove it even with proof of the letter.
12/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33604
Web
This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt deleted
01/18/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 629XX
Web
This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.
04/27/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 110XX
Web
Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.
03/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70094
Web
I check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or account.
10/31/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32701
Web
Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. the call is from XXXX reference # XXXX my phone number is XXXX
12/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33125
Web
my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
01/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AL
  • 35216
Web
My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus
12/30/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30096
Web
I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. {$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.
07/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33713
Web
I received some phone calls from collection agency asking to paid for a bills I do not own. I returned my equipment to XXXX when I closed my account and I do n't understand why I get Harassment calls and treated from collection agency all the time even on my cellphone. I do n't own anything to XXXX.
02/01/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33705
Web
XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX and XXXX however for some reason XXXX is choosing to continue to keep this collection on my account.
04/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 730XX
Web
Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report.
02/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 139XX
Web
I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
06/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • DC
  • 20020
Web
I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.
11/09/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85260
Web
This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. I called them once and asked them to prove the debt is mine and they have never provided me the proof.
12/31/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 617XX
Web
ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.
09/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48314
Web
CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU
03/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 320XX
Web
Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this account.
07/19/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33155
Web
Credit Protection is reporting a collection account to XXXX and XXXX in the amount of {$170.00} this account is nor mine. I have been disputing this account for a long time XXXX delete the account from my credit report. I need them to remove/delete this account from my credit report.
12/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • KS
  • 667XX
Web
Went on my credit report and there is a collection from XXXX XXXX. The collection company is Credit Protection. The amount is XXXX which I do not owe. I did not live at the address on file at the time. I lived at XXXX XXXX XXXX. Tried to make a police report on this and was ignored.
10/03/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31904
Web Servicemember
XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX to help locate me in the system
03/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75062
Web
I had XXXX XXXX in early XXXX. When I left there was no balance. I filed bankruptcy XX/XX/XXXX and it was discharged XX/XX/XXXX. If I was to owe a balance it should have been dismissed. However the date the bill indicate XXXX, is incorrect. I have not had service with them.
12/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • 83646
Web
Credit Protection Association in Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) has created a collections against me for services I have not used or subscribed for a company called XXXX XXXX. I contacted XXXX XXXX and they have no record of my information nor an account with them.
06/14/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 065XX
Web
lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only vome back and it be gone ever since i havent had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
10/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 618XX
Web
I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.
07/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 337XX
Web
I returned my equipment to XXXX and they send my account to collection to paid for some items who was returned. Now I received some harassment calls for a collection agency with treat and sanction of jail. I do n't own this money to anyone and I want this calls to stop.
04/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 75287
Web
While checking my credit report in XXXX 2017 I noticed that XXXX company was being deleted and then it reappeared. I 'm not really sure why the company feels the need to delete and then re-add the debt which in returns causes my credit score to go up and down.
03/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33510
Web
A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP
06/05/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MA
  • 01810
Web
I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency.
07/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22180
Web Servicemember
Filed complaint XXXX. The Company in question responded. Response was not factual yet the notice from CFPB was that the complaint was closed. Really? The company just has to file any response with CFPB and you close the case regardless of violations of the law?
11/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 483XX
Web
I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.
07/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 44720
Web
This company has third party disclosed to my father. Embarrassing me to my family. They have also reported to my father 's credit report. They did not verify any info on call and clearly when credit reporting did not either. I will be taking further action.
01/23/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32812
Web
Paid this account in full and was told by operator would change status to paid as agreed and then would be removed from my report. However to this day it is still being reported as a debt and amount owed not reported so it looks like i still have a balance.
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • XXXXX
Web
The aforementioned account with XXXX, formerly XXXX XXXX XXXX was paid in full with an agreement from the collection agency Credit Protection Association to be removed from my credit report. The account is still being reported on my credit file negatively.
06/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22306
Web Servicemember
I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
06/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21206
Web Older American
XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.
10/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75287
Web
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.
12/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.
03/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • ME
  • 045XX
Web
Credit Protection Association reported a collection on my credit report without ever giving me a right to dispute. When they finally mailed me a notice, it contained an account number that is not listed in the original creditor 's system.
06/03/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93314
Web Servicemember
XXXX XXXX charged and sent me to collections over equiptment that was returned. The employee assured me my credit would be updated and after several attempts it still remains. I even paid the bill in effort to get this taken off.
05/10/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04901
Web
Credit Protection XXXX XXXX , Texas This collection agency has tampered with my good credit. I intend to bring civil suit against these criminals. They should be vigorously investigated for their criminal collection practices.
08/22/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80634
Web
I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.
02/20/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33713
Web
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$310.00} with a collection Agency without knowing the name of the previous company.
04/18/2017 No
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • IL
  • 60626
Web
They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.
09/19/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33705
Web
XXXX XXXX {$340.00} no action took place canceled my service with this company to get with a better company now they stating I owe this amount didn't realize it at all now it's on my credit and I can't afford to pay it
12/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 212XX
Web
After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.
08/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33647
Web
There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.
05/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40509
Web
Credit Protection Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
10/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 303XX
Web
this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 325XX
Web
Paid off my XXXX internet bill 2 years ago and just started receiving bills saying I still owe for service and havent returned devices. Bill comes to XXXX. Bill was paid 2 years ago in cash. Device was returned.
08/22/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • XXXXX
Web
Received a collection notice from Credit Protection Association L.P. of XXXX Texas with no knowledge of who the bill is for or from except the name XXXX of XXXX New Mexico. This seems to be some sort of fraud.
03/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77356
Web Older American
They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately
02/13/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • RI
  • 02904
Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33813
Web
XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.
08/15/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33617
Web
Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.
02/07/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33606
Web
The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.
12/10/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85201
Web
On XX/XX/2019 at XXXX ; I relieved in my Post Office Box a post card from Credit Protection Association , LP alleging that a debt was owed in violation of the Fair Debt Collection Practices Act.
05/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 337XX
Web
I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.
04/18/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 604XX
Web
A dispute was processed with XXXX , XXXX , and XXXX . There was not proper verifiable documentation of the alleged debt. This account was added to my credit reports without proper notice.
04/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32129
Web
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
12/13/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32811
Web
I reviewed my credit report and Credit Protection Association has been attempting to collect a debt for {$740.00}. This company is not licensed to collect any debt in the state of Florida..
11/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43607
Web
The company has not validated the debt as required by law. I have not received my right to dispute the debt or received anything that validates this debt or the account that was reported.
08/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11235
Web
They called from a company called Credit protection Association. The number that was called from XXXX. If this is not the person, I should call XXXX and it I am the person call XXXX.
05/12/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 335XX
Web
I am continually getting automated calls asking for a person by the name of XXXX XXXX. She does not live/work here and they call numerous times a day with no way to stop the calling.
11/08/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78247
Web Servicemember
Debt was settled at lesser amount. Verbal agreed was made to remove debt once settlement payment was received. Collection agency refused to remove debt or report debt as settled.
03/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • FL
  • 331XX
Web
Debt service trying to collect for XXXX Transportation Department before a law suit is filed. The number they tell me to call back is XXXX and the case reference number is XXXX.
05/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 40422
Web
It says date opened XX/XX/2017. {$330.00} was due. I had contacted them and told them this wasnt me, they said I still had to pay it so not sure what I need to do from here
12/13/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 328XX
Web
I have sent this company a dispute letter and received no response. I have also contact all XXXX consumer agency and they will not removed item. This is not my account.
09/24/2020 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AR
  • 72761
Web
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.
01/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 681XX
Web
account was canceled and equipment was returned in XXXX 2019, but company says didn't not get returned and sold account to credit agency for double in XXXX 2019 2019
08/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33647
Web
Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data
03/18/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43607
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
09/10/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32514
Web Servicemember
I would like to settle my debt, however the phone number has been disconnected CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
07/21/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 337XX
Web
I have repeatedly attempted to dispute a debt that is currently being reported by credit prt Associates in the amount of {$370.00} ... This is not my debt.
06/19/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30083
Web
XX/XX/2018 I sent a debt validation letter, they were unable to validate my debt even after 45 days!!! Instead they sent me an attempt to collect debt.
11/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33908
Web
I have a debt collection of {$530.00} showing up on my XXXX credit report that isnt mine. Ive never had an account with Credit Protection Association.
02/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • XXXXX
Web
I receiving letters from a collection company threatening that credit rating will be affected if equipment is not returned and service fee not paid.
04/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 14221
Web Servicemember
I made an agreement i have made monthly payments never missed. I have paid the actual company money which this collector will not give me credit for
04/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 604XX
Web
lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company
05/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33624
Web Older American
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this
03/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DE
  • 19709
Web
CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature
03/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33881
Web
There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please help
11/25/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29803
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29803
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29803
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
11/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29073
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
05/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 986XX
Web
Applied for a apartment and was denied because there were XXXX accounts on my credit report that should not of been sent to collections
11/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AR
  • 727XX
Web
COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.
04/10/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77044
Web
I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.
04/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60411
Web
Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.
05/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 33351
Web
Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data
01/31/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27330
Web
AN ACCOUNT UKNOWN HAS BEEN POSTED TO MY ACCOUNT ORIGINATING FROM XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FROM CREDIT PROTECTION.
10/31/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 342XX
Web
Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX XXXX XXXX XXXX
03/26/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30809
Web Servicemember
I have a debt from this company showing on my credit report that does not belong to me. I was the victim of identity theft.
01/26/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92027
Web
XXXX XXXX showing bill owing of {$71.00} This all started when we RETURNED our Equipment in XXXX, Calif. to the XXXX XXXX.
03/01/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns
06/03/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AR
  • 72712
Web
COLLECTOR KEEPS CALLING MY CELL 11 TIMES ( XXXX ) XXXX FROM ( XXXX, REF XXXX. HAVE SCREEN SHOTS AND VOICE RECORDINGS.
06/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76227
Web
This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX.
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30033
Web
CREDIT PROTECTION ASSO is reporting a debt I do not owe. I have never gotten any compensation from this account.
05/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33604
Web
Credit Protection HAS AN ACCOUNT ON MY CREDIT REPORT THIS IS NOT MY ACCOUNT, THIS IS A VIOLATION OF THE FCRA
10/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 61201
Web
it was payed-should have never been reported-credit protection if I could I would XXXX for this false report
09/18/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 75067
Web
i am having calls 24 theathing me to arrest me and pay full amout go to court XXXX me to incrint to XXXX
04/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85705
Web
My wallet was stolen around the same time this account was open. I have 2 collections in result of this.
05/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33801
Web
Unknown company listed on my credit and unknown account and bill I have disputed and nothing received
04/03/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60651
Web
Negative reporting to my credit profile with no validity and/or authorization under FDCPA laws.
04/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33702
Web
Saying that I owe them for cable service in XX/XX/2013 when I didnt have cable in XX/XX/2013.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08701
Web
I see on my credit report that there is a collection account for something I have never used.
04/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 325XX
Web Servicemember
Trying to collect a debt that is not in my name and violations of FCRA in false reporting.
03/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 287XX
Web
Did not receive a notice that debt was due until after it was sent to credit bureaus.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08701
Web
There is a collection account on my credit for {$290.00} for service I never used.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08701
Web
There is a collection account on my credit for {$290.00} for service I never used.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08701
Web
There is a collection account on my credit for {$290.00} for service I never used.
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08701
Web
There is a collection account on my credit for {$290.00} for service I never used.
01/04/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 329XX
Web Servicemember
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32822
Web
This debt is not mine. I live with my parents and do not have cable in my name.
04/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 074XX
Web
Cable TV I returned equipment and paid what I owed. They have me in collection.
06/05/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AR
  • 72712
Web
CLASS ACTION LITIGATION PENDING A OUT OF COURT SETTLEMENT OFFER BY XX/XX/2019.
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32822
Web
I have never had cable in my name. I am XXXX and live with my parents.
11/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32839
Web Servicemember
XXXX reported false information on my credit this is not my debt.
12/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32811
Web
This is not my account. I was incarcerated during this time.
10/27/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60419
Web
I recieved a collection notice didnt have comed since 2007
04/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
This account was unauthorized. I am a victim of identity.
04/01/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
Credit Protection is reporting negatively on my account.
04/01/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
Credit Protection is reporting negatively on my account.
06/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78752
Web
I see this on my credit report and never heard of it.
12/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32808
Web
There are XXXX accounts in my name. XXXX is mine.
04/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33610
Web
INFORMATION ON MY CREDIT REPORT THATS NOT MINE.
09/03/2021 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
09/01/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
07/26/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
07/21/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60155
Web
06/28/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
06/05/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43615
Web
06/04/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40391
Web
05/25/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
05/24/2021 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
04/01/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
03/18/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 14589
Web
03/09/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43606
Web
02/25/2021 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11422
Web
02/15/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40214
Web
02/02/2021 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 75249
Web
01/22/2021 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11422
Web
01/11/2021 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33602
Web
12/09/2020 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73012
Web
09/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11422
Web
08/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78747
Web
07/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60031
Web
06/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76371
Web
05/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11758
Web
04/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34222
Web
04/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75075
Fax
04/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92672
Web
03/07/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60610
Web
02/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 68123
Web
02/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66219
Web
02/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89084
Referral
02/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89120
Web
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22030
Phone
01/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33572
Phone
01/24/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 43015
Web
01/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92603
Web
01/08/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10016
Web
12/29/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70508
Web Servicemember
12/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29801
Web
12/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75068
Web
12/09/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75134
Web Servicemember
12/01/2019 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
  • Their investigation did not fix an error on your report
  • TX
  • 75068
Web
11/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30253
Referral
11/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92880
Phone Older American
10/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33578
Web
10/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75287
Web
10/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02860
Web
09/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92110
Web
09/20/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75604
Web
09/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31707
Phone Older American
09/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34206
Web
09/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76002
Referral
08/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28130
Phone
08/23/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 93306
Web
08/22/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28130
Phone
08/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33054
Web
08/14/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34747
Web
08/11/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33549
Web Older American
08/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33758
Web Servicemember
08/02/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33614
Fax
07/25/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 73034
Web Older American
07/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
07/17/2019 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
  • Investigation took more than 30 days
  • NV
  • 89120
Web
07/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94577
Web
07/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NM
  • 87002
Web
07/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22304
Web Servicemember
06/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AE
  • 09049
Web Servicemember
06/13/2019 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
  • MD
  • 20623
Web
06/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77433
Web
05/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85710
Web
04/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34243
Phone Older American, Servicemember
04/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91203
Web
04/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75201
Referral
03/27/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23464
Web Servicemember
03/21/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75028
Referral
03/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30114
Referral
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
02/26/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 12603
Web
02/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06451
Postal mail
02/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60647
Web Servicemember
02/09/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55331
Web
02/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
01/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32129
Web
01/14/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33510
Web
01/08/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21741
Postal mail
01/04/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75023
Web
12/28/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15104
Web
12/28/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11378
Web
12/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30318
Postal mail
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77489
Web
12/08/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39046
Web
12/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30281
Postal mail
12/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75075
Web
11/28/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IA
  • 50309
Web
11/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95841
Web
11/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 86001
Web
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 21666
Web
10/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20735
Web
10/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97086
Web
10/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39232
Web
10/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33884
Web
10/11/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75216
Postal mail
10/09/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85635
Web
10/08/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 61832
Web
10/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85041
Web
10/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33709
Web
09/29/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33604
Web
09/25/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29036
Web
09/21/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85140
Web
09/21/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33544
Phone
09/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75240
Web
08/31/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80918
Web
08/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
08/24/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 54915
Web
08/22/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 44113
Web
08/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15137
Web
08/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75904
Web
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33544
Phone
07/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34689
Web
07/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32835
Fax
07/17/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 06516
Fax
07/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29803
Postal mail
07/10/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60467
Web
07/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33612
Web
06/13/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 75074
Postal mail
05/17/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33763
Web
05/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93311
Web
04/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32117
Web
04/20/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85041
Web
04/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11412
Web
03/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MS
  • 38655
Web
03/20/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85140
Web
03/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33579
Fax
03/18/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CO
  • 80916
Web
03/16/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40121
Web Servicemember
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75034
Referral
03/13/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • KY
  • 40517
Web
03/10/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85139
Web
03/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01970
Web
03/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33617
Web
03/06/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85326
Referral
03/02/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33032
Web
02/27/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27801
Referral
02/21/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 54476
Web
02/18/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30189
Web
02/13/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32114
Web
02/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33131
Web
01/24/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91977
Web
01/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33710
Web
01/14/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34205
Web
01/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32835
Fax
01/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34761
Web
01/09/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • IL
  • 60174
Web
01/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31906
Web
01/08/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34759
Web
01/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32839
Web
12/27/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33131
Web
12/24/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32809
Web
12/22/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34787
Web
12/21/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31906
Web
12/18/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • PA
  • 15012
Referral
12/16/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32808
Web
12/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20743
Web
12/10/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33625
Web
12/08/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32805
Web
12/02/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32713
Web
11/24/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33131
Web
11/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33762
Web
11/21/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35020
Web Older American, Servicemember
11/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 932XX
Web
11/13/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33610
Web Servicemember
11/02/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66441
Referral
10/31/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33626
Web
10/28/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32824
Web
10/11/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31904
Web
10/11/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31904
Web
10/09/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33545
Web
09/17/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33607
Web
09/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33594
Web
09/11/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85250
Web
09/07/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10026
Referral
09/02/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CT
  • 06413
Web
08/28/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 75098
Phone
08/24/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75240
Postal mail
08/19/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34473
Web
08/15/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34219
Web
08/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31707
Web
08/02/2017 No
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76227
Web
08/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46106
Web
07/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15218
Phone
07/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34668
Web
07/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32708
Web Servicemember
07/12/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92506
Web
07/07/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • HI
  • 96732
Web
07/06/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33139
Web
07/03/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78741
Web
06/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32824
Web
06/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32967
Web
06/20/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 34203
Web Older American
05/31/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85250
Web
05/29/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32301
Web
05/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ME
  • 04330
Web
05/25/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39350
Web
05/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32837
Phone
04/27/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85054
Web
04/26/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DC
  • 20010
Web
04/26/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46226
Web
04/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MT
  • 59802
Web
04/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93306
Web
04/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60940
Phone
04/20/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75010
Web
04/19/2017 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • WA
  • 98105
Web
04/15/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11230
Web
04/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 46226
Web
04/12/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DE
  • 19709
Web
04/10/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 13152
Referral
04/07/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 11209
Web
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32805
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
  • OK
  • 73130
Postal mail
04/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32773
Web
04/01/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32129
Web
03/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10473
Postal mail
03/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93307
Web
03/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 39828
Web
03/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32129
Web
03/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33612
Web
03/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VI
  • 00803
Web
03/17/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60174
Web
03/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34711
Web
02/28/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27610
Web
02/22/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • OR
  • 97213
Referral
02/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18603
Web
02/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WY
  • 82201
Web
02/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23323
Web
02/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 50315
Web
02/07/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37918
Web
02/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28278
Web
01/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 67114
Phone
01/15/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WY
  • 82201
Web
01/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75159
Web
01/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33805
Web
12/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • RI
  • 02906
Web
12/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33884
Web Servicemember
12/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11226
Postal mail
12/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32822
Web
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32804
Phone
12/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32812
Web
11/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33823
Web
11/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11413
Postal mail
11/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21215
Phone Older American
11/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92101
Web
11/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94552
Web
11/10/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11103
Postal mail
11/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33810
Web
11/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 40504
Referral
10/26/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75010
Web
10/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95776
Web
09/23/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33470
Web
09/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21220
Phone
09/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NY
  • 11215
Web
08/17/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Problems when you are unable to pay
  • LA
  • 70121
Web
08/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10473
Referral
08/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • RI
  • 02911
Web
08/11/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75216
Web
08/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NV
  • 89074
Web Older American
07/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 16602
Fax
07/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 34638
Web
07/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20901
Web
06/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • OR
  • 97201
Web
06/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78504
Web
05/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34601
Phone
05/19/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78504
Web
05/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21208
Web
05/18/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MA
  • 01534
Phone Older American
05/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 95823
Postal mail
05/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07306
Web
04/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32126
Referral
04/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30345
Web
04/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33612
Postal mail Older American
04/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 50324
Web Older American
04/07/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34452
Web
04/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33013
Web
04/01/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60025
Web
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30233
Referral
03/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27516
Web
03/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 15230
Web
03/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77345
Web
03/01/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32927
Web Older American, Servicemember
02/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30035
Phone
02/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21217
Phone
01/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33543
Web
01/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33559
Web
12/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 91207
Phone Older American
12/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32235
Web
12/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34741
Web
11/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21144
Postal mail
11/18/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • FL
  • 33404
Postal mail
11/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • ME
  • 04061
Phone
10/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85040
Postal mail
10/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60104
Phone Older American
10/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30240
Web
10/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • RI
  • 02864
Web Older American, Servicemember
10/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77316
Web Servicemember
10/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • RI
  • 02888
Web
09/24/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33776
Phone Older American
09/19/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • MI
  • 49102
Web
09/18/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22485
Phone
09/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AZ
  • 85296
Web
09/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77063
Web
09/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78219
Web
08/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33511
Web
08/25/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32716
Web
08/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78232
Web
08/13/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34741
Web
08/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32080
Web
08/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17866
Web Older American
07/25/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 55424
Web Older American
07/25/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33056
Web
07/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • 20018
Web
07/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77879
Web
07/13/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 22485
Phone
07/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55768
Web
07/06/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77015
Web Older American
07/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 22601
Referral
06/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 76060
Web
06/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AL
  • 35205
Web
06/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78728
Web
06/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 88130
Web Servicemember
05/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 50237
Web
05/26/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79905
Postal mail
05/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 50313
Phone
05/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92392
Web
05/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33139
Web
05/09/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36547
Web
05/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31533
Phone Servicemember
05/05/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32832
Web
05/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32810
Web
05/01/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 15205
Web
04/28/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32771
Web
04/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34655
Phone Older American
04/22/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 31208
Phone
04/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93727
Web
04/13/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97009
Referral
04/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20171
Web
04/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85143
Web Servicemember
04/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33544
Web
04/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31604
Web
03/19/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • PA
  • 16627
Web
03/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21704
Web
03/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07067
Web
03/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31047
Web
03/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33511
Web Servicemember
03/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 34743
Web
03/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75006
Web
03/10/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • MI
  • 48239
Web
03/10/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36305
Web
03/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77044
Web
03/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75104
Web
03/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44224
Web
03/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20724
Web
03/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92392
Web
03/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OK
  • 74344
Web
02/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92058
Web Servicemember
02/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 21401
Web
02/27/2015 No
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • OK
  • 73064
Phone
02/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33613
Web
02/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TN
  • 38305
Web
02/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98122
Web
02/17/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IA
  • 50131
Web
02/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27502
Web
02/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06010
Web
02/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60169
Web
02/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45424
Web
02/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • WI
  • 53211
Web
02/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21229
Postal mail Servicemember
02/11/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44903
Web Servicemember
02/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32832
Web
02/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33991
Web
02/07/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17814
Web
02/05/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08904
Referral
02/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34116
Web
02/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 86004
Web
01/30/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77386
Web
01/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 77365
Web
01/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CO
  • 81323
Web
01/22/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 76549
Web
01/22/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33617
Web
01/20/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20706
Web
01/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28203
Web
01/16/2015 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34480
Web
01/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35222
Web
01/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • FL
  • 33569
Web
01/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21282
Web
01/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85017
Web
01/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32904
Web
01/12/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 31407
Web
01/12/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07871
Referral
01/07/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • ID
  • 83814
Web
01/06/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • DC
  • 20032
Web
01/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92241
Phone Servicemember
12/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • 20010
Web
12/30/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77449
Web
12/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 61455
Web
12/26/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • VA
  • 24141
Web
12/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90031
Web
12/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • HI
  • 96756
Web Servicemember
12/22/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85603
Web
12/20/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40031
Web Servicemember
12/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95134
Web
12/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27017
Web Older American, Servicemember
12/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07440
Phone Older American, Servicemember
12/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60647
Web
12/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20850
Web
12/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 18969
Web
12/05/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75034
Web Servicemember
12/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78251
Web Servicemember
12/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43082
Web Servicemember
11/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98501
Web Older American
11/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33404
Web Older American
11/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99709
Web
11/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DE
  • 19977
Phone Older American
11/18/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33765
Web
11/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92277
Web Servicemember
11/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • KS
  • 66441
Web Servicemember
11/12/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • KY
  • 40504
Web Servicemember
11/12/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MO
  • 64116
Web Servicemember
11/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10019
Web
11/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 14207
Web
11/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
Postal mail
11/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30080
Web
11/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20109
Web
10/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20814
Referral
10/29/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • SC
  • 29223
Web
10/29/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44067
Web
10/27/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 11208
Web
10/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 32862
Web Older American, Servicemember
10/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27893
Web Servicemember
10/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 61241
Web
10/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11222
Web
10/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60119
Postal mail
10/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97477
Phone
10/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37086
Web
10/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • TX
  • 75035
Web
10/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22202
Web
10/07/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84770
Phone
10/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 62286
Web
10/02/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46342
Web
09/29/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
Phone
09/26/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Web
09/25/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • TX
  • 77070
Referral
09/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23188
Phone
09/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33904
Web
09/20/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33881
Web
09/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33880
Web
09/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22407
Web
09/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 45302
Web
09/02/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 74464
Postal mail Older American, Servicemember
08/30/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20814
Web
08/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22301
Web
08/24/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37405
Web Older American
08/22/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • IA
  • 50322
Web
08/22/2014 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95824
Web
08/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63074
Web
08/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93703
Web
08/20/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 01915
Web
08/19/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • GA
  • 30317
Web
08/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95422
Web
08/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98310
Web
08/12/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93555
Web
08/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33605
Phone Older American
08/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21403
Web
08/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20707
Web
08/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20748
Web
08/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32563
Web
08/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37909
Web
08/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48380
Web
07/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • VA
  • 20170
Web
07/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33446
Web
07/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • DC
  • 20001
Web
07/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 75961
Phone
07/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90064
Web
07/21/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 03604
Web
07/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AE
  • 09806
Web
07/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • TX
  • 75214
Web
07/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93536
Web
07/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • FL
  • 33338
Web
07/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91607
Web
07/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11758
Web
07/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 53022
Web
07/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75357
Referral
07/04/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10021
Web
07/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75070
Web
07/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46208
Web
07/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32955
Web
06/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32835
Web
06/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20854
Referral
06/26/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44120
Web
06/26/2014 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 54650
Web
06/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MI
  • 48310
Web
06/23/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33610
Web
06/23/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33990
Web
06/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34689
Web
06/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 20785
Referral
06/12/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27855
Web
06/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 22567
Web
06/09/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78715
Web
06/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14222
Web
06/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33073
Phone
06/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49221
Web
06/02/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 73960
Web
05/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • RI
  • 02891
Phone
05/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90403
Web
05/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33709
Web
05/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21044
Web
05/15/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MI
  • 48180
Web
05/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92660
Web
05/14/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97013
Web Older American
05/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 62465
Web
05/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27606
Referral
05/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32501
Web
05/02/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 88888
Web
05/01/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IA
  • 52317
Web Older American, Servicemember
04/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • 20002
Referral
04/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KY
  • 40162
Referral
04/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28601
Web
04/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76134
Web
04/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • IN
  • 46075
Web
04/16/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 40222
Web Servicemember
04/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 42410
Web
04/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30215
Web Servicemember
04/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33414
Fax
04/11/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10116
Postal mail
04/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48183
Phone
04/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 47170
Web
04/11/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34746
Web
04/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07110
Web
04/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77064
Web
04/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78218
Web Servicemember
04/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 72560
Referral
04/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • DE
  • 19702
Web
04/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40241
Web
03/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32405
Postal mail Servicemember
03/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 93308
Web
03/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • KY
  • 40207
Web
03/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33902
Postal mail
03/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78741
Web Servicemember
03/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98103
Referral
03/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 20194
Web
03/13/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 34952
Web
03/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 07003
Referral
03/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95128
Web
03/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 72336
Postal mail Servicemember
03/05/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33594
Web
03/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97734
Web
02/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IA
  • 50324
Referral
02/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95823
Fax
02/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33764
Web
02/25/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36582
Web
02/25/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95060
Web
02/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77539
Web
02/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 14612
Web Older American
02/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36922
Postal mail
02/20/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30092
Web
02/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94523
Phone Older American
02/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32162
Phone Older American
02/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77075
Postal mail
02/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60942
Phone Older American
02/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 10304
Web
02/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92649
Phone Older American
02/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75228
Web
02/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33905
Web
02/10/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90802
Web
02/08/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46342
Web
02/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07512
Web
02/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 40514
Web
02/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48843
Web
02/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48519
Web Older American
02/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 49503
Web
01/31/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 18643
Web
01/30/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31602
Web Servicemember
01/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 53402
Web
01/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33852
Web
01/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CT
  • 06057
Phone
01/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 53224
Web
01/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WY
  • 82901
Web
01/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SD
  • 57006
Web Servicemember
01/23/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45377
Web Servicemember
01/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60586
Postal mail
01/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 77026
Web
01/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • FL
  • 32754
Web
01/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • NV
  • 89408
Web
01/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40505
Referral
01/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91343
Web Servicemember
01/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92130
Web
01/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49306
Web
01/10/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33596
Web
01/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VI
  • 00803
Referral
01/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14580
Web
01/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95835
Web
01/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48335
Web
01/02/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95691
Phone
12/27/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14120
Web
12/21/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 48174
Web
12/21/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11566
Web
12/19/2013 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94541
Web
12/17/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30039
Web
12/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91610
Phone Older American
12/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 93304
Phone
12/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 13069
Web
12/09/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Web
12/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44123
Web
12/04/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21244
Web
12/04/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14036
Web
12/03/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40223
Web
12/03/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 45324
Web
11/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45449
Phone
11/25/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48313
Web
11/25/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53172
Web
11/22/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • UT
  • 84084
Web
11/21/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10573
Web
11/19/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32776
Referral
11/19/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49009
Web
11/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21061
Web
11/15/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32159
Web Older American
11/14/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Phone Older American
11/13/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29036
Web
11/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93637
Referral
11/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75212
Phone Older American, Servicemember
11/11/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • FL
  • 32808
Web
11/09/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22630
Web
11/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • TX
  • 77069
Web Servicemember
11/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 93313
Web
11/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22301
Web
11/02/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48329
Web Older American, Servicemember
11/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 40229
Web
11/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OH
  • 45458
Web Servicemember
10/31/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14223
Web
10/31/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 50325
Referral
10/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53072
Web
10/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33615
Referral
10/30/2013 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • FL
  • 33190
Web Servicemember
10/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 01020
Web
10/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48236
Referral
10/30/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06320
Web
10/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28120
Referral
10/18/2013 No
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 20155
Web
10/17/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • TX
  • 75142
Web
10/03/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PR
  • 00921
Web
10/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48073
Web
09/23/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34243
Referral
09/19/2013 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11422
Referral
09/17/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 33611
Web
09/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • IA
  • 52732
Web
09/11/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 61201
Web
09/07/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40202
Web
09/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • VA
  • 24521
Referral
09/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48030
Referral
08/31/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28117
Web
08/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DC
  • 20001
Web
08/29/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30030
Web Servicemember
08/28/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21045
Phone
08/20/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10009
Web
08/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92131
Web
07/22/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75035
Web
01/10/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • NC
  • 27614
Web