Creditor Advocates Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 51106	Web
XX/XX/XXXX a letter was received by me from a collection agency claiming I owe an alleged debt of {$1700.00}. The name of this collection agency is " Creditor Advocates Inc '' and is licensed in Minnesota, and Wisconsin, while I have never lived in either state and have resided in Iowa for the past 5 years. I responded to the letter in about a week in compliance with the FDCPA. In response to this letter I request for verification and validation of the alleged debt per the FDCPA. Creditor advocates Inc failed to respond within 30 days to my request for validation of debt. Creditor Advocates Inc failure to respond to request is taken as this debt is false. On XX/XX/XXXX, I received a letter from attorney XXXX XXXX XXXX. This attorney is located in Iowa and licensed in Minnesota, Illinois, and Colorado. This letter was sent on behalf of Creditor Advocates Inc. This letter, sent seeks to intimidate, by being sent from an attorney, and requested the same alleged debt of {$1700.00} from XXXX, that Creditor Advocate Inc failed to respond to when I requested validation of this debt. Over two years has elapsed and Creditor Advocate Inc has failed to validate the alleged debt and respond within the requested time. Creditor Advocates Inc continues to contact me with the demand of payment. This companys continued contact is harassment, and has cost me time with my family for response, money, and stress. This continued contact is harassment, is in violation of the FDCPA.
06/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MN 55125	Web
Hi, My daughter 's insurance is managed by her dad. All the medical bills associated with her surgery or care through the XXXX XXXX XXXX should be in his name, and as well as all the other medical bills when I was out f work. This a problem. I called to have the bills transferred into his name but that has not happened. I also filled out a financial application which they have lost through XXXX and the University of XXXX. This is also includes bills for the anesthesiologist. There are also bills that have been sent to collection agency companies without going through the insurance claim process. The two companies are XXXX XXXX, XXXX XXXX, and XXXX XXXX. The other problem is that the insurance company which is XXXX can not speak with me about the bills because my daughter 's coverage is in her dad 's name. XXXX met her threshold for her deductible in XXXX of 2018.
08/30/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78610	Web	Servicemember
Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state
04/08/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 550XX	Web
I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.
12/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 563XX	Web
On XXXX, I received a demand letter from a collection agency by the name of Creditor Advocates Inc dba XXXX XXXX collection agency. Their contact information, listed at the top of the letter, is the following : XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX This is not my debt. The underlying creditor is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with an apparent service date of XX/XX/XXXX. I never had a tow on or around this date, and was in fact living 60+ miles away at the time, in XXXX MN. I have never even heard of this towing company until now and didn't even know it existed. In addition, this is the first time I have ever heard of this until now. This appears to be a possible scam or some sort of shakedown.
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55116	Web
I had submitted the payment online to the XXXX for services provided by XXXX XXXX XXXX. The payment went through but then I started receiving communications from XXXX that I owed XXXX XXXX Even after submitting multiple screen prints, confirming that the payment went through, they chose not to work with me and send the information to the debt collector - Creditor Advocates. I suspect this is not the first time they tried to force someone to pay twice for their services. I had to call XXXX to withdraw my payment back on XX/XX/XXXX. I had paid the credit collector on XX/XX/XXXX. Please take a closer look into their billing practices.
01/07/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA XXXXX	Web
Creditor Advocates Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by using abusive, unfair and deceptive business practices of harassment by calling my phone, send me text and email messages and U.S. mail in regards to a debt from XXXX XXXX XXXX XXXX for {$78.00}. The debt collection account and debt owed, is not my debt or debt collection account. I dont owe any debt to XXXX XXXX XXXX XXXX XXXX
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 52601	Web

12/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IA 52632	Web

03/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SD 57476	Web

02/12/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MN 55428	Web

07/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 50304	Web

11/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55431	Postal mail

12/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MN 55370	Web

05/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MN 56308	Web

02/19/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MN 55104	Referral

10/22/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 55110	Referral

05/28/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 55444	Web