| 12/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Denefits LLC is alleging I owe a debt not owed. Denefits LLC failed to disclose my application and contract are the collateral that is backing this credit sale. Not only is Denefits LLC benefiting from my financial asset the profits I am entitled to have been withheld from me. This is my financial asset that is making profits for the shareholders and the secondary market therefore my return on the said investment should rightfully be mine. It has my name on it. Denefits LLC never disclosed any of this to me even with the Truth in Lending passage on the contract they failed to uphold what is stated. With clean hands and good faith I went into business with Denefits LLC under false pretenses.
( 7 ) " Entitlement holder '' means a person identified in the records of a securities intermediary as the person having a security entitlement against the securities intermediary. If a person acquires a security entitlement by virtue of Section 8-501 ( b ) ( 2 ) or ( 3 ), that person is the entitlement holder.
( 8 ) " Entitlement order '' means a notification communicated to a securities intermediary directing transfer or redemption of a financial asset to which the entitlement holder has a security entitlement.
( 9 ) " Financial asset, '' except as otherwise provided in Section 8-103, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this Article.
As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.
( 10 ) [ reserved ] ( 11 ) " Indorsement '' means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming the security or granting a power to assign, transfer, or redeem it.
( 12 ) " Instruction '' means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed.
( 13 ) " Registered form, '' as applied to a certificated security, means a form in which : ( i ) the security certificate specifies a person entitled to the security; and ( ii ) a transfer of the security may be registered upon books maintained for that purpose by or on behalf of the issuer, or the security certificate so states.
( 14 ) " Securities intermediary '' means : ( i ) a clearing corporation ; or ( ii ) a person, including a bank or broker, that in the ordinary course of its business maintains securities accounts for others and is acting in that capacity.
( 15 ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article.
( 16 ) " Security certificate '' means a certificate representing a security.
( 17 ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.
|
| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Dear CFPB, I am writing to express my deep concern and frustration with the practices of Denefits LLC, a financing company that has repeatedly engage in a series of unfair, deceptive, poor customer service, and abusive practices in its dealings with me, including violating consumer protection laws and my rights as a consumer.
Firstly, I was required to pay a down payment before being allowed to enter into a finance contract with Denefits LLC, a practice that is prohibited by consumer protection laws, which prohibit lenders from requiring down payments as a condition of entering into a finance contract. Moreover, despite paying a downpayment/upfront fee of {$120.00} in order to get into contract, I have since discovered that Denefits LLC 's website indicates that my down payment was only {$50.00}, creating a serious discrepancy that has yet to be resolved.
Secondly, Denefits engages in deceptive billing practices. When I make payments towards my loan, I have experienced being charged double or more than the amount that I have authorized for payment, despite inputting a specific payment amount. Despite the fact that I input the exact amount I want to pay, their system shows that my card will be charged the correct amount, but I later get charged double the amount that was indicated. This is clearly an unethical and fraudulent practice that they should be accountable for. Moreover, it tells me a payment is past due even after I made payment.
Thirdly, despite my past efforts to make payments and stay current on my loan Denefits LLC has engaged in constant harassment and aggressive collection tactics, including calling me multiple times a day, sending hundreds of messages in which I had I to go as far as spending my hard-earned money to send them certified letters, not once but twice, demanding that they stop the excessive contacting, yet they have chosen to ignore my requests and continue to cause me undue stress, distress, and emotional pain.
Additionally, their fee structure is designed to extract as much money as possible from vulnerable borrowers like myself. Their late fee structure is unfairly punitive, charging {$25.00} late fee for a payment that is only {$37.00} a month, completely exorbitant + disproportionate and does not commensurate with the size of the loan or the payment amount.
Also, while any other company are always willing to waive late fees as a one-time courtesy or remove them altogether, Denefits LLC has never shown any willingness to do so. In fact, they have been the first company in my lifetime that I have come across that does not provide any form of courtesy or understanding to their customers. Even after countless pleadings, they have only offered to remove a mere {$5.00} out of a {$25.00} late fee which they even indicated will only be applied *only if I can make payment right away, which is nothing but a token gesture and a clear indication of their greed and lack of concern for their customers.
Lastly, Denefits has constantly threatened to damage my credit by reporting me to credit bureaus on multiple occasions after I missed just XXXX payment that was only 3 days past due. It is unfair and unethical for them to resort to such underhanded tactics to coerce me into making payments despite the fact that I had already paid significantly more than the initial amount borrowed. This type of coercive behavior which indeed caused me fear and anxiety is not only unethical but also unconscionable.
Given these egregious practices, I am filing a complaint and urge that you investigate these practices and take appropriate action to hold Denefits LLC accountable for its actions. I have retained all documentation related to my down payment and loan agreement and also kept detailed records of all communication with Denefits, including dates, times, and the content of calls and messages. I am determined to pursue legal action if necessary to fight against this predatory company and protect the rights of consumers like myself.
|
| 05/30/2022 |
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
|
|
Web |
|
|
ATTN : XXXX XXXX DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated!
I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt.
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency.
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief.
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
Subject : DENEFITS LLC Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information.
Firstly, there is a discrepancy between the information reported by XXXX and XXXX. XXXX indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account.
Furthermore, both XXXX and XXXX have discrepancies in the reported account open date. XXXX and XXXX state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information.
Additionally, there is a discrepancy in the terms reported by XXXX and XXXX. XXXX states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information.
Moreover, XXXX reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information.
Furthermore, there are inconsistencies in the last report dates provided by XXXX and XXXX. XXXX reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information.
In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy.
I am exercising my rights under the FCRA, XXXX XXXX XXXX, and Section XXXX, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
|
| 11/21/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good morning, DENEFITS LLC is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report.
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts.
One of the accounts is from DENEFITS LLC. When I notified them that the account is opened fraudulently, they said that the account is verified.
DENEFITS LLC went and updated their outdated info with my current data to make it seem that the account was verified and I have proof.
After hours of bombarding a customer service rep, I have the original contract that was signed with DENEFITS LLC vs their edited one.
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ).
The only reason I got the original contract was because a customer service rep felt bad over my situation.
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year.
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified.
What they're doing is illegal and they should definitely get in trouble for it.
It isn't fair.
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX ( which means I wouldn't have put that address in XXXX of XXXX ) and a pdf proving my identity.
I have also included a voice recording of the " verified conversation '' between me and a customer service rep.
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that DENEFITS LLC illegally edited their contract to seem like I was verified.
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing.
Thank you!
|
| 11/27/2023 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false.
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results.
During this period they put a contract account by name Denefits LLC on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them.
Now Denefits LLC team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking e to settle down this contract by paying {$700.00} + amount.
I need immediate help to get out of this situation, Thanks, XXXX
|
| 07/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Title 15 of the United States Code, Section 6802, is a provision related to the privacy of consumer financial information. It outlines the requirements and restrictions imposed on financial institutions regarding the collection, use, and disclosure of personal and financial information of their customers. The section establishes guidelines for providing privacy notices to customers, allowing them to opt-out of certain information sharing practices, and maintaining the security and confidentiality of customer information.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) XXXX Denefits XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract - Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2000.00} {$2000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1800.00} {$1800.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Variable rate 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to file a complaint against [ XXXX XXXX ]. This company has been trying to collect a debt from me without providing proper validation and has used illegal communication tactics and illegal reporting.
I am an educated consumer and am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite this, [ XXXX XXXX ] has continued to engage in the following illegal practices : Attempting to collect a debt without providing proper validation, including the amount owed, the original creditor, and proof that they are authorized to collect the debt.
Using illegal communication tactics, such as harassing me with frequent phone calls outside of the hours allowed by the FDCPA, and making false or misleading statements.
Illegally reporting the debt to credit reporting agencies, causing harm to my XXXX XXXX and report.
I believe that Denefits LLC has violated my rights as a consumer and I request that the Consumer Financial Protection Bureau takes action to hold them accountable for their illegal practices.
I appreciate your attention to this matter and look forward to a resolution that protects my rights as a consumer.
Sincerely, XXXX XXXX
|
| 09/27/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I obtained financing from Denefits XXXX I made payments but then became injured and ill and fell behind. I arranged a settlement agreement with them and have so far made XXXX payments. Despite agreeing to a settlement this company continues to post inaccurate balance info and every month states I am getting further and further behind indicating no payment in last XXXX days. I contacted the rep from the settlement department and he says they dont update it till I complete the settlement. First off that is incorrect because my credit report for the months since I started the settlement have shown increases in my balance ( and do not match what the rep tells me I actually owe ) and increases in days late - yet I am on time with my settlement for months now. Secondly just because I have a settlement they should still be reporting on my report accurately- I dont care if they note the revised balance as a settlement- I am current with our current agreement. They have promised to remove it once it is paid but they should be accurately reporting in the meantime
|
| 08/20/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX # XXXX Registered Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all XXXX credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, XXXX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX under the names : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.
|
| 10/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I enrolled in a weight loss program in XX/XX/2020 that was supposed to cost around {$2600.00}. The group had me signed up to make installment payments through Denefits, but the cost is not coming down. I have already spent {$3400.00} ; the payoff amount is over {$2600.00} ; it was explained that my payments would go toward the balance ; it does not appear that that is happening. The products never worked after 30 days of use. I called several times to explain the diet wasn't working. In XX/XX/2020, I was told to eat a bag of green apples to help jumpstart weight loss, but nothing happened, which by all accounts, was a ridiculous recommendation. I have decided not to pay this company any more money primarily because of what I spent so far. I am getting at least 20-30 harassing phone calls a day about payments. I have paid for this program even though it did not work.
|
| 04/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The original debt with Denefits was {$6500.00}. I only had access to the school program for one month and noticed no real curriculum, information and training was not provided. I requested to end my time with the school back in XX/XX/XXXX. Denefits continued charging my bank account months after, even though I no longer had access to the school program curriculum. I've had my bank stop all payments to Denefits. Since XX/XX/XXXX I've received threatening phone calls every single day. They literally won't stop. I receive threatening text messages from new numbers weekly. They have reported negatively on my credit report over 180 which isn't legal. They've threatened to sue and ruin my life. I'm tired of all of this foolishness. Please cease all communications from Denefits unless by mail only..I want all of our communications in writing from this point on.
|
| 11/14/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through Denefits.
XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the Denefits would be reporting to all three credit companies.
I purchased the package. Received the training. Made all payments on time. However Denefits reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all.
When I attempted to resolve this with Denefits by XXXX XXXX Complaint and phone, I was simply blown off.
Original loan amount was {$4900.00} XXXX # was XXXX Furthermore Denefits did did not report the XXXX amount to XXXX.
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
|
| 11/21/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good evening, DENEFITS LLC claims that the account opened is verified but it isn't.
That isn't me in the recording, all the information that is " verified '' is not my current info.
The address in the recording is not my current address.
The last XXXX of the card used is not an account I've had.
The only thing that's the same is my email.
Also, they haven't uploaded any contract, they just uploaded what seems to be XXXX screenshots of of their internal processing my account.
It doesn't prove anything.
I have gone and said that this account is a result of identity theft and they have not proven otherwise.
Please have them close this account and remove it from my credit report.
|
| 05/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I took a loan out through denefits for some medical appointments. I was 3 days late in paying and they text messaged me and called me repeatedly saying they already told the credit bureau. After I told them they were harassing me, they started to text and call from. Different numbers. I haven't been able to pay because I was unable to finish the medical appointments, my daughter 's XXXX XXXX passed away and I no longer get child support or any support, I am on XXXX and tried to explain this but they continue to harass me, I have all the texts and emails but they keep saying they have mailed me via notarized mail but I haven never received any mail whatsoever from this company.
|
| 11/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection/derogatory account on my credit Report because of Denefits LLC a company I have never heard of never received a SERVICE OR PRODUCT FROM, THIS account is negatively affecting my credit Report and my personal life as well, according to FRCA this debt should be verifiable and accurate it is NEITHER, NOT ONLY that they have never reached out to me to let me know I owed this debt or even gave me a chance or knowledge of this debt so i could go through the proper channels to dispute it. I WOULD LIKE THIS DEBT TO BE REMOVED IMMEDIATELY OR I PLAN TO TAKE LEGAL ACTION AGAINST THIS COMPANY AND ANY COMPANY REPORTING IT. THIS IS ILLEGAL.
|
| 09/30/2022 |
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
|
|
Web |
|
|
XXXX is killing me. I have been trying to work on my credit to purchase a home and XXXX keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property.
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well.
Can You Help Me Please?
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX ) : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
|
| 11/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I receive many texts messages stating that they are going to take legal action against me and when I responded was told I am XXXX and have XXXX XXXX. I have never received anything by mail and I don't belive the amount they are charging me is correct. Also told them I was at a funeral but he continued to text me, my boyfriend ended up actually calling him to tell him he was being unprofessional in which the guy started to say obscene things to him as well.
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
I have made multiple requests for this debt collector to stop calling an harassing me a via text via email via phone. They continue to harass me an I am filing a complaint with the Consumer protection agency am going to collect the fine of a minimum of {$1000.00} per violation under CONSUMER LAW 15 USC 1692 ( D ) I will be also filling a complaint with the FTC a put every violation. You need to remove all false information from my credit reports as well
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/16/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXXInformed company that I had obtained counsel for Bankruptcy filing provided name and number to attorney and requested them to stop contacting me. Collector stated he will continue calling and texting so that they will still keep trying to pull payment from my card and that they will report me to credit bureaus. I stated once again to stop contacting and they refused.
|
| 08/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2023 I made a small payment of {$50.00} due to saving money for my XXXX XXXX XXXX sons XXXX. Ive explained this to the company. The representative let me know that on XX/XX/XXXX I will receive a follow up call but instead a payment was taken out for the amount of {$270.00} without my consent. There was no payment schedule established and they used my card.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Denefits LLC has violated the cares act and my right to privacy by providing this information to CRAs.In addition, this is a medical bill.
I want this info removed immediately. They violate of 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed up with XXXX XXXX program in 2020. But I never signed for a payment program or utilized the service. I thought it was free and when I was getting charged every month for it I change my bank account because I never authorized these charges.
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
on XX/XX/2023 around XXXX Denefits billing start texting and calling me they ask me can they charge my card I said no but they went ahead and charge my debit card
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
The company does not exist or I should say vanished, and it still shows a balance on my credit report. Id like to remove the account from my account.
|
| 06/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was impacted by the XXXX data breach.
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/29/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 11/27/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/11/2023 |
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
|
|
Web |
Servicemember |
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
Servicemember |
|
|
| 03/21/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|