CU Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/27/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 75240	Web
I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. When I called the number the receptionist answered the phone CU Recovery. They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. This was intentional. Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. This was done to intimidate and humiliate me. When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. I had to contact the credit union that stated it was CU Recovery that had my account and on hearing what this company was doing.. the credit union pulled my account from them and it's back with the credit union . I filed other complaints with the XXXX about their tactics and CU Recovery LIED to the XXXX and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.
08/21/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10029	Web
I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.
11/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 660XX	Web
XXXX Around XXXX I called CU Recovery after receiving a letter in the mail and spoke with XXXX XXXX XXXX He told me I was legally responsible for {$1300.00} that went past due in my father 's account because I had opened an account with him. I tried explaining to the man at the company that I never opened an account with my father and was not responsible for this debt. The exchange was less than pleasant on both ends and I disconnected the call. I then called XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and spoke to XXXX. I asked to speak to a supervisor or manager. She asked me if she could help. I explained to her that I had received a collections notice in the mail and what I had learned from speaking with XXXX at CU Recovery. I told her I have never been to XXXX XXXX and don't recall ever signing anything to be placed on an account with my father. XXXX placed me on hold and then XXXX picked up the phone. I told him my concern, that I had never been to XXXX XXXX and don't recall signing anything to be put on my father 's account. He told me he couldn't find any authorization and that after talking to his credit department he would call me back. XXXXI did not receive a call back from XXXX, so I called back up to XXXX XXXX. XXXX answered the phone and I explained who I was, telling him I needed an update since I hadn't received a call back. He seemed surprised that no one called me back and said a gentlemen by the name of XXXX XXXX was supposed to have called me back, but he's in a different time zone so maybe that's why he didn't call. XXXXI still have not received a phone call and that's why I have decided to start a formal complaint. I don't know if they reported this against my credit, or how my name got added to an account without my signature or permission. I have no answers.
01/03/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TX 78130	Web
Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.
06/29/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IA 526XX	Web	Servicemember
received 2 title loans from XXXX XXXX XXXX XXXX XXXX XXXX. payments were made and then fell in to a financial problem. hours of work were cut and income went down and then both vehicles went down with problems. couldnt make payments for a while and then went to collections. received calls from a XXXX XXXX from CU Recovery. he called my work in XX/XX/2018 and spoke with him. he said to call him back in which we did. he wanted my wife to take loan out of her 401k to pay him which we explained we couldnt do it because we had taken a loan out already for medical costs. next he wanted us to take out a loan from family or friends and explained we couldnt ... nobody had the amount he was wanting. he even trheatened to sue us, which scared my wife. anyway on that call we made arrangements to use our tax refund when we received it to pay him but told him we would not get it for a couple of months. we made the agreement that we would pay XXXX a month until tax return came and then pay the balance of which was {$3000.00} and he said once we paid the settlement offer off, we would get our vehicle titles back. we paid this off and got a notification letter from XXXX XXXX that it was paid. last we have heard from him about anything. have tried calling the number that he would use to call constantly and have texted but no replies have been received from XXXX XXXX at CU Recovery. We did our part and paid off the settlement offer in full, now we are expecting CU Recovery and XXXX XXXX to fulfill their part! all we want is our vehicles titles ... they acted on XXXX XXXX XXXX XXXX XXXX XXXX part..so they are soley responsible for this matter.
04/20/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 71111	Web	Servicemember
1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I. 2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}
10/06/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NH 038XX	Web	Servicemember
Approximately 2 months ago our family members and in-laws began receiving telephone calls from a man identifying himself as XXXX XXXX on their personal and private, never publicly published numbers. This included business telephone numbers of cell phones for inter-company use. The man would ask for a family member by first name as if he were an old friend, he refused to provide his true name and company he worked for. He was extremely rude and hung up on family members who continued to ask for this information. He also threatened to have his telephone number blocked if we continued to call him and ask for this general information because he " did n't have business with us. '' After our own investigation, we discovered this man works for CU Recovery, a debt collector in Minnesota. Our family member also recently received a forwarded letter from CU Recovery stating they were attempting to collect over {$8000.00} worth of debt from an auto loan that is over 15 years old, no longer collectible or owed by all applicable state and federal laws, and the vehicle was repossessed and resold at auction from this family member over 15 years ago.
07/15/2015	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	MO 650XX	Web
My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.
01/03/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85745	Web
I am currently enrolled in a debt consolidation program with XXXX XXXX XXXX, who has been wonderful to me. One of my accounts enrolled in the program is a personal loan from XXXX XXXX XXXX ( XXXX ). Today, XX/XX/XXXX, I was contacted by their debt collection agency, known as CU Recovery in Minnesota. The individual, XXXX XXXX, took it upon himself to contact my girlfriend and my girlfriend 's sister ( whom which I don't even have her number ). This, to the best of my knowledge, is not only extremely unprofessional and unnecessary, but illegal and not allowed by an agency. I have made payments to my debt consolidation perfectly for nearly a year now, and negotiations were already underway with this creditor. For this man to do this is unbelievably rude. Clearly, he had to do some serious digging to even get her number, which again I myself do not even have. In light of this, I would like to submit a formal complaint on CU Recovery and XXXX XXXX for this absurd action. Thank you.
02/22/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA 90023	Web	Servicemember
In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.
02/03/2017	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	AZ 85027	Web
I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.
08/27/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74012	Web
XXXX XXXX with CU Recovery called my work and started harassing me. I told him to call my cell phone and he state '' if you ask me nicely ''. I have been called by him before and he threaten me, telling me that he was taking me to court and several other threats. I called and spoke to someone else that help me work out what I needed to do. I have gotten on line and paid, which I'm paying every two weeks, that I set up not the company. I will pay my bill, I had messed up my account. He tried to tell me I couldn't I had no one to complain about him to. I was out of work for a while and now working two jobs to get everything cleared away. Company : CU Recovery , Inc. & The Loan Service Center , Inc . XXXX XXXX XXXX XXXX, MN XXXX Get Directions Phone : XXXX
10/25/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21701	Web
I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX he is the debt collector NOT the creditor. His Name : XXXX XXXX Company he works for : CU Recovery His phone number : XXXX
01/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73110	Web	Servicemember
I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.
03/20/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77345	Web
Collector has taken on a debt that is doubtful. The original lender, XXXX XXXX XXXX XXXX, only alleged the debt to me this week. I began to research the matter today ( a totaled vehicle that had GAP insurance - alleging additional debt ), and have already received a collection attempt from CU Recovery. It is very unethical for XXXX XXXX ( and CU Recovery as their agent ) to attempt these tactics without first allowing legally allowed time for verification of the debt. Additionally, CU Recovery is attempting to collect over {$500.00} more than XXXX XXXX alleged that I owed.
12/05/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA XXXXX	Web
On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.
10/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
In CU RECOVERY 's response to CFPB Complaint # XXXX, CU RECOVERY mentioned XXXX Employees XXXX placed two alleged accounts of mine in their office for collection. They were not supposed to collect my location information. 15 USC 1692a ( 7 ) defines The term location information means a consumers place of abode and his telephone number at such place, or his place of employment. The fact that they collected my name, telephone number and address is an infringement to my privacy, pursuant to 15 USC 1692 ( a ) that is a violation.
03/21/2017	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	OH 45044	Web
XXXX from CU Recovery ( a collection agency ) calls me multiple times per day, calls me during work hours, calls my work phone despite being sent a cease and desist letter on my behalf from XXXX on XXXX/2017 and also a cease and desist text from me personally on XXXX/2017 at XXXX a.m. that asks for communication via US Postal Service only. I received the latest call from him XXXX/2017 AT WORK ON THE COMPANY PHONE at XXXX a.m. ( He has spoken with my boss - the owner of the company in the past. )
04/10/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85641	Web
This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX Arizona time.
05/11/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 61704	Web
XX/XX/2012 {$4000.00}, The company is trying to collect an OLD debt in which a VOLUNTARY repossession occurred. They would not allow me to Refinance which left me stuck paying on a car that has no function. I have XXXX small kids and I felt they tried to get over on me. They In turn tried to take the money out of a Bank account that I no longer have. This in turn is causing a lawsuit with that bank. I did not give them authorization to do that. I do not owe this debt
05/21/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OR 97223	Web
Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 641XX	Web
Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''
06/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 482XX	Web
On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and XXXX XXXX.
05/12/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IA 50317	Web
We have tried to settle the debt owed for the pst week XX/XX/XXXX-XXXX 2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.
12/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43026	Web	Servicemember
Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.
10/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
Cu Recovery is a debt collector attempting to collect a debt not owed. they violated my rights as federally protected consumer by not properly validating the debt pursuant to 15 USC 1692g, by using unfair practices like having their logo on the mails they sent me, pursuant to 15 USC 1692f ( 8 ).
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60004	Web
XXXX XXXX XXXX XXXX agreed to a settlement through their agent XXXX XXXX of CU Recovery on a collection account. I have paid as agreed upon but they continue to report a balance and have even flagged the account as a new XXXX, further damaging my credit and creating hardships for my family.
10/09/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10016	Web
This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.
01/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23322	Web
Any account with my name on it at XXXX XXXX XXXX XXXX was closed in good standing. Me nor my wife were informed of any debt when the account was closed.
11/04/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74074	Web
I had previously requested that CU Recovery do not contact me at work. They violated this request today, XX/XX/2020 at XXXX XXXX CT.
07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 972XX	Web
THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME
12/17/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CO 80817	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33073	Web

08/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35806	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27526	Web

05/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30044	Web

02/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	TX 75225	Web

01/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web

12/21/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30045	Web	Servicemember

09/09/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 33868	Web

02/12/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33813	Web

12/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 62034	Phone

05/16/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid		Phone

02/20/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02370	Web

11/06/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77045	Web

09/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30458	Phone

05/14/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 61704	Web

04/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60639	Web

04/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

01/12/2018	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	WV 26726	Web

08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92860	Web

06/02/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37642	Web

03/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	GA 30223	Web

07/10/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92407	Web	Older American

05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28328	Postal mail

02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KS 67208	Referral

03/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 17403	Web

02/25/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IA 50211	Web

10/31/2014	No	Debt collection Credit card	Communication tactics Threatened to take legal action	MO 63112	Web

07/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11105	Web

06/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30554	Web	Older American