CSO Financial CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 974XX	Web
Time Line with CSO Financial INC. XXXX XXXX XXXX XXXX. Po Box XXXX XXXX Oregon XXXX XX/XX/XXXX In XXXX of XXXX, roughly the XXXX of the month I received a bill from CSO regarding a collection bill for a XXXX office that was still pending insurance. I contacted CSO stating the account was being resolved. I did not receive any further communication from CSO regarding the account. XX/XX/XXXX We were served with Court Documents ( case # XXXX ) at our XXXX XXXXXXXX XXXX XXXXXXXX Oregon address, and received by my husband XXXX XXXX. This is where we have lived for 6+ years, as evident by the Tax Accessors office. These were documents filed by CSO regarding a small claims case. The court document lists 3 options in order to resolve the complaint. Based on the amount of money we would loose in wages to take this to court it was decided that we would pay the requested due, to include court fees and service fees for a total amount of {$190.00} because it was cheaper. The plan was to then contact the doctors office and/or insurance company to be reimbursed. It was stated we had 14 days from date of service to pay the requested amount. XX/XX/XXXX I paid the bill via their website in the amount of {$190.00} ( which is a few dollars above the requested amount ) The payment reference # is XXXX, authorization code of XXXX On roughly XX/XX/XXXX We received a call from a female with CSO stating that we still owed CSO {$55.00} I asked her for what. She stated that according to her corporate headquarters it was determined that we still owed for an additional filling fee. I stated to her that I paid the total amount of money owed that was in the court documents. She stated yes, but we need to be paid for the service fee at an additional residence. I stated to her that we were NOT ever served at another address, and I was not provided with any bill stating we owed {$55.00} nor was I just going to give her {$55.00} that was not in the original bill or with any documentation showing it was owed. XX/XX/XXXX My husbands check was garnished {$26000.00} and per his payroll department another {$5.00} was expected to come out the following payday. XX/XX/XXXX 3 Phone calls were made to CSO, and a message was left, requested to be contacted by a supervisor. XX/XX/XXXX Voicemail received at XXXX from XXXX XXXX XX/XX/XXXX, XXXX, & XXXX additional calls were made to XXXX with messages left. XX/XX/XXXX Voicemail received at XXXX from XXXX XXXX. Around roughly XXXX XXXX I was able to make contact with XXXX XXXX. I stated that my husbands check had been garnished on an account that was paid in full. Mr. XXXX XXXX stated that we had been advised that we still owed his agency money via a phone call, and I had chosen to hang up on his worker. I stated that I told his worker that I had not received any bill for an additional {$55.00} and I would not pay any additional funds as there was not bill. I stated that I paid the amount requested in the court documents, that I have the confirmation of the payment as well. I then explained to Mr. XXXX that he has engaged in the theft of funds from us. Mr. XXXX responded with, it is not theft of funds. I stated to Mr. XXXX that both he and his worker have engaged in providing the courts with documents that have been falsified based on them filing to move forward with a garnishment of our wages knowing that we had paid the requested amount. That he was at fault of lying to the courts and stealing money from us. He again stated it was not stealing money. I asked Mr. XXXX how he would like to return to us the {$270.00} that they were stealing from us. He stated that they would not be returning the money. I asked him why not. He laughed and said, the judgment has already gone through and so has the garnishment, your not getting any money back I then stated Ok, how would you like to refund me the {$190.00} that I paid back? He again laughed and said youre not getting any money back, you owe us this money and you knew you still owed {$55.00} I stated that {$270.00} is well beyond the {$55.00} they stated we still owed. He laughed and said, you knew you still owed it. I again pointed out that he submitted false documents to the courts stating we had not paid, and that they stole money from us. I then stated I would pursue this matter through other options, and he responded with go ahead and try, we already have the money. The call was ended. there was no legal notice given with the attempt to move forward with any default action nor was i provided with any notification that there would be forward movement with garnishments once CSO filed to garnish our wages.
05/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OR 97404	Web
In XXXX, I was drugged, beaten, and thrown into the street when a passerby saw this and called the police. An ambulance arrived and drove me the two blocks to the hospital. The medical debt from the hospital was forgiven due to the circumstances. I did not know that ambulances dont work for the hospitals. I thought the debt forgiveness was connected to the ambulance bill as well ( the bill was {$2000.00} ). I received a letter in the mail in XX/XX/XXXX stating I owed the money from the ambulance, from CSO financial, saying I owed {$4500.00} due to interest. I called them right away and told them there was a misunderstanding because all the medical debt was forgiven and that I could send them the letter from the hospital, my medical records, and reports to prove this. A woman seemed understanding and told me I was probably right and to send the information over. I did so and did not hear back from them and so I assumed everything was cleared up. 6 months later they went into my bank account and took {$1500.00}. I immediately called CSO begging them to please return the money so I could pay my rent. I didn't have money for a deposit/first month rent/last month 's rent, on a new place, and could not afford to be evicted right now. I begged them to let me try and work this out. They refused. A woman told me there was no way to give the money back at this point and that I should try to get a payday loan or a family member to pay my bills. My rent, my car payment, and my life took a hit. I was evicted because of this, which led me to lose my job. I lost my job because I was in between homes and not able to make it to work on time, every time. The fear, and trauma from that night was felt all over again. I lived through a traumatic night, to be harassed 7 years later, to be a victim to it once again. I don't see how it can be legal to make someone lose their job, and their home for a medical debt that was not their fault. This is probably a long shot but I don't want them to do this to anyone else. No one should have to go through what I went through. I hope someone investigates them. As for me, I found a new job and was lucky enough to be allowed back into my home of 5 years. My roommates fronted the bills so I could move back. I was lucky. But what about the people who arent so lucky? Maybe this is why our homeless problem has skyrocketed over the years. Please investigate them. They are still harassing me to this day and I don't know how our country lets businesses treat its citizens this way. Thank you for reading.
06/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97471	Web
I received a letter from Credit Services of Oregon in XXXX or XXXX of XXXX saying was in debt for {$1100.00} to a doctor I visited back in XXXX. I had not received any billing requests from the company in question back and I assumed my medical insurance covered the cost. I looked on-line and found the statue of limitation in Oregon for debt collection is 6 years so I thought this must be one of the Zombi debt issues and I ignored it. Everything I read online said that I would get a notice if one of these silly debts was going to court. On XX/XX/XXXX my employer received a garnishment request from the State of Oregon for the {$1100.00}. I never received any notice of a hearing where I could contest the debt. As of tomorrow XX/XX/XXXX I will have sent a certified letter requesting more information on the debt in question. Although " ORS 646.639 section 4a '' states : '' A debt buyer or debt collector acting on behalf of a debt buyer engages in an unlawful collection practice if the debt buyer or debt collector : ( a ) Files legal action against a debtor or files legal action to attempt to collect a debt if the debt buyer or debt collector knows or after exercising reasonable diligence would know that an applicable statute of limitations bars the legal action to collect or the legal action to attempt to collect the debt ; '' the State of Oregon XXXX XXXX still approved the judgement, even including the statement " A judgement was entered against the Debtor for the debt, or the debt otherwise became subject to garnishment, on the XXXX day of XX/XX/XXXX. '' I XXXX XXXX XXXX over 15 years ago. I know everything was paid up back when this took place but I can not prov it. I was never given the chance to even dispute it nor did I received a letter that this was going to court. Now I have a garnishment with my employer ( super embarrassing ) for a debt I didn't even know existed. This does not seem right.
11/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 976XX	Web
The last correspondence was about a month ago showing I owed approximately {$200.00}, how did it go from XXXX to {$3.00}, XXXX in 30 days. The bill has been paid at least four times over the past 15 years or more. I have called the hospital and clinic they supposedly were collecting money on and they have no record to me ever even owing them a bill. This was a XXXX 's XXXX claim for contracting XXXX on the job. This company has been wiping out not only my personal bank account several times, but also my wife 's personal account and my adult son 's account for a bill NOT OWED. XXXX XXXX, a XXXX, also paid the bill off for us when my wife worked for him as he'd received a garnishment. Also this company garnished her wages for the same bill when she worked at XXXX XXXX XXXX. This company took 50 % of my wages while working as a XXXX worker. My wife and I are currently on XXXX XXXX ( laid off ) and have only unemployment for income. They just wiped all all the family separate band accounts leaving us too broke to even hire an attorney to go after them! He has more than triple collected on a fake bill for years now. They have created a major financial hardship. Years ago this same company that took thousands of dollars from me for a garnishment for a {$15.00} XXXX check that bounced when we lived in XXXX. We had moved and closed out the bank account not knowing the pizza company had not cashed the check. Researching the company after the garnishments, I found the " so called '' pizza company doesn't even exist and I was charged thousands of dollars for a {$15.00} check. NOW HERE THEY COME AGAIN FOR FRAUDULENTLY TAKING EVERYONES MONEY.
01/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OR 97404	Web
Okay in XX/XX/2018, I had three jobs. I got evicted because my partner forgot to pay rent, then the power got shut off. 18 hours of work in one day, move a box off of the couch and a knife fell out, and I sat on it. I had to take an ambulance ride. After that I XXXX XXXX And lost all of my jobs, and my home. Long story short, the ambulance didnt bill my insurance and I owed them XXXX that I wasnt ever notified about. I called CSO.financial to pay off an unrelated debt and come to find out now I owe XXXX in less than a year? They never contacted / reached out to me. I requested the breakdown of info so I could file a claim with my insurance, the woman said she had already sent one and then sent me a notice stating your request for future documentation will be denied, we have already provided all required documentation. I called the XXXX XXXX billing and got ahold of my records there. Then my insurance cleared my outstanding balance. This debt collection agency now wants over XXXX. I cant afford this absolutely outrageous debt. The agency was an absolute joke, assigning me to a case manager that was never in the office and when she was treated me like a piece of garbage. Honestly everything about my case manager was shady, I dont know who else to turn to for help.
07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OR 97420	Web
Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate
05/17/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OR 973XX	Web
I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NV 89166	Web
In XX/XX/2017 I helped my father move from XXXX to XXXX XXXX XXXX. I stayed a short time to help him get settled and re- established then returned to XXXX XXXX . His landlord asked him to list persons in the home for IDENTIFICATION PURPOSES ONLY, so he listed me. As it turned out his landlady was a major slumlord. she refused to keep the property in livable condition. My dad rented the house sight unseen and hadn't met the landlord. This conflict resulted in an eviction as my dad refused to pay rent while repairs were ignored. The landlord apparently sold the judgement to CSO financial of XXXX XXXX who put the judgement on my credit report. Ive been trying to buy a home and this erroneous entry on my report is a negative impact. Please make them remove this from my report. I was in no way party to the rental agreement.
01/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OR 97420	Web
Early XXXX - late XXXX I called CSO financial to set up payments on my account. I was told I was unable to make any payments as they were suing me- and I had a pending judgement and had to wait to be served. Next month my ENTIRE bank account- leaving a balance of literally {$0.00} was garnished- which is also a joint account with my husband. Both bank accounts to be exact. Total taken was about {$2500.00}. I had other pending charges- and bills due and now face overdraft fees, NOR have money to even buy food or gas for my children. No notice of garnishment. No notice of judgement - wouldnt even accept Payments when I Tried. I believe they should have left some money in the account- how are people supposed to live?
09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97526	Web
self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help
11/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 95209	Web
I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97471	Web
This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	WA 986XX	Web
XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages
03/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97404	Web
Received a garnishment notice from my employer with no previous notification. Attempted to contact CSO Financial INC and have gotten no reply. Filed a challenge with the court for failure to notify. Court records indicate that CSO Financial informed the court I was served, but address and spelling of my name was incorrect. I have had {$400.00} taken from my paycheck with no information on what or why. I check my credit report often and have no outstanding debts. I am assuming this is a mistake or fraudulent.
01/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.
02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OR 97005	Web
I have been and still making payments on my account. Every month. The company is not reporting my payments to the creditors. I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.
04/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OR 978XX	Web
Received letter stating I will have wages Garnished post marked XX/XX/XXXX. XXXX became subject to garnishment on XX/XX/XXXX of XXXX. Original debt is for {$1800.00}. Now is XXXX. Oregon statute of limitations is six years and debt collectors should not take person to court to sue to garnish wages.
01/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 970XX	Web
I was served papers of my debt. I called debtor to resolve. they had me sign an unfeasble paymeny option or I would be taken to court and sued.i felt under pressure. I actually satrted to feel anxiety. I then asked if I/We could make an payment arrangement and was denied. Now I HAVE TO PAY IN FULL.
03/16/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97477	Web	Servicemember
The debt collector showed my parents my debt information and even allowed them to take a picture of it with out my knowledge or consent. The date was XXXX XXXX. They showed the amount owed as XXXX. Even though I only owed XXXX.
01/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91604	Web
CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''. I have never had an account at XXXX Bank, and I do not owe this debt.
09/08/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97233	Web
This Company is listing a report on my credit bureau reports that has been paid in full. I would like this tradeline to be deleted permanently.
01/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97206	Web
XXXX XXXX XXXX XXXX I owe {$45.00}. I believe that this is not my debt. CSO Financial , Inc., the debt collector, claims that I owe this money.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97365	Web

06/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 975XX	Web

08/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97756	Web	Servicemember

07/12/2022	No	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	OR 97365	Web

05/13/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OR 97405	Web

02/15/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WA 99362	Web

02/07/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WA 99362	Web

08/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78665	Web

06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98338	Web

05/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OR 97702	Web

04/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone	Older American

03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97230	Web

03/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35811	Web

12/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97230	Phone

06/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94063	Web	Older American, Servicemember

01/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

11/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97424	Web

10/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97527	Web	Servicemember

01/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08753	Web

09/29/2017	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	OR 97230	Web	Servicemember

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85226	Referral

04/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 97756	Web

07/02/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OR 97401	Phone

04/17/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OR 97470	Web

04/01/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	OR 97477	Phone

01/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94549	Web

08/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 97756	Web

08/08/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OR 97756	Web

11/13/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OR 97527	Referral

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OR 97527	Postal mail

08/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OR 97023	Web