| 05/17/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a call from a debt collection agency entitled " Debt Solutions, Incorporated '' stating that they had a debt for me that had not yet hit my credit but could shortly. I immediately asked what date they showed on the account as it was unfamiliar to me and the representative stated it was XXXX so not yet past the period they could collect. Again as it was unfamiliar to me, I asked to have a " Validity of Debt '' letter emailed to me which they kindly agreed to. Upon review it was apparent to me that they were not, and had not been, truthful.
The letter indicated that account had been opened on XX/XX/XXXX, so 14 years ago! They had also indicated a charge-off date of somewhere in the XXXX era but the letter provided showed XX/XX/XXXX or a mere 3 months after the account opened.
My initial response to the " VOD '' letter stated exactly, and I do mean exactly, the following : " I definitely dispute the validity of this debt and this correspondence should be considered my notification in writing as such. '' During the initial call in which I had requested the VOD letter, we had also arranged a follow-up call which I just received and which prompted this complaint now. The same individual that had contacted me initially was the one reaching out, and after quickly alleging the debt was not valid and that the dates on the letter didn't align with what they had told me the first time, I wasn't responsible for it. This prompted the agent to then transfer me to their " supervisor '' who immediately offered me a settlement for several hundred dollars. I repeated to this new person that even a settlement made no sense when all I was doing was disputing the validity of the debt itself.
The " supervisor '' repeatedly said " you know this debt is yours and you have a responsibility to pay it '' to which I replied that I had stated numerous times including once in writing that I disputed the validity and that the dates on the VOD letter did not align with what I had been told by now two people from Debt Solutions, INC. '' He continued to say that what I was saying wasn't truthful and that further action would be taken against me. I simply stated that I disputed the validity and he continued to suggest that I was refusing to pay and that I had said as much.
After that I injected legalese into the conversation to the effect that our words had ramifications and him saying I was refusing to pay had consequences and comparably my disputing the validity did as well. I said he was in no uncertain terms calling me a liar after which he simply disconnected the call.
I would like to not be contacted by this company again and I am reporting their dishonest actions so this happens to fewer people. There are many people who receive calls like this that would simply accept the debt 's validity and pay it without asking for proof but the letter they provided indicated no such proof.
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| 10/15/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/XXXX I received calls at XXXX and XXXX. The calls were to collect a debt from XXXX from a company I had never heard of. I asked to receive a verification of the debt. He said it was already verified and sent to an email I have never used and did not recognize. I asked him to email to XXXX and told him I would call back. I told him not to call XXXX anymore because that is my wife 's phone. On XX/XX/XXXX I received a call again attempting to collect the debt. I told him I had not received the verification letter and until that happened, I couldn't do anything. I asked him to not call me or my family on any numbers and that I would call them when I received the verification. He told me he would call me whenever he wanted and that I couldn't tell him how to do his job. He said I already verified and acknowledged that the debt was mine and that I owed it. I told him that was not true. I then asked him to send the verification and told him that it was my right to not be harassed or receive phone calls. He told me I better do my research and pay my bills and then hung up on me. He then called my wife at XXXX and left a message saying he was talking to me but that we got disconnected and I needed to call back to handle my business.
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| 07/12/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full.
Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement.
I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check.
Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.
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