Diaz & Associates, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/11/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92553	Web	Servicemember
To whom it may concern, I XXXX XXXX started services with XXXX XXXX XXXX XXXX. As of today, I was in 100 % debt. They, as of XX/XX/XXXX reduced my debt to 83 %. The only problem I am having now is with Diaz & Associates. When I started with XXXX, Diaz & Associates were no where in the picture. The account in question-XXXX XXXX. For some reason, they sold the account to Diaz & Associates. The account was at {$9700.00} which was sold to Diaz & Associates and they, in turn has the account be owed as {$10.00}, XXXX. I was told by XXXX account representatives to have all of my creditors to call them about any payments I owe. I was called by someone by the name of XXXX from Diaz & Associates LLC about it being imperative that I get in-contact with them ASAP! I called the number and spoke with him. I told him about the services I had inquired with the XXXX to handle and my finances when it comes to paying creditors I owe, that I could no longer afford to pay due to financial hardship from my on-call job. During the months of XXXX and XXXX, I had telephone calls left on my voicemail from Mr. XXXX from Diaz & Associates. It was he that told me that if we do not here from you as soon as possible, that we are going to have to reach out to your employer to collect this debt. I got scared and called XXXX to let them know what had transpired and they told me to make note of the number of telephone calls received/left. He only left two a day. Last month, I talked to someone from XXXX XXXX XXXX and she told me to reach out to you-CRFA. She told me that she looked at my credit report and it is listed as a chargeoff/collection. She explained it to me and I understood somewhat, but why is they looking for me to pay the full amount when the account was charged off. What one of the lenders shared with me was to contact you and to also contact Diaz & Associates to see what I can do to work on making payments because the negativity that they report is hurting my credit score. I called on e of Diaz & Associates legal representatives and he expressed to me that I make three {$100.00} a month payments fro three-months, then we can disgust making payments plan. He also stated to me that if I make steady and ongoing payments that he can reduce the balance owed. he even stated that he would be able to remove the derogatory reports of the delinquent payments. For some reason, I feel like he is not being truthful because I thought negative information stays on your credit report for 7-years. My son lost his job XXXX and working another job out of XXXX Washington. In the month of XXXX, his truck went out and in XXXX, his engine went out. My son had to borrow money from a family member to get his trailer fix. His truck is in storage in XXXX, CA. I had to pay his life insurance from XXXX, to XXXX, XXXX. Again, I need to know what can I do to help correct my chargeoff/collection account with Diaz & Associates LLC. As of today, I am trying to correct and clean up my credit report, but when I have a creditor like Diaz & Associates LLC reporting my payment as late every month because I have not made a payment, what more is there to do? Again, please let me know what can I do to make matters right with Diaz & Associates LLC? I know they are lawyers and know the system of fair credit reporting more than I. But, I know CRFA-governs the fairness of how and what creditors can/ can not do or use tactics to get consumers to comply when it comes to making monthly payments to his/her or their account. When Diaz & Associates LLC told me that the next step that they were going to do was going to be to get the money from me by taking me to court. At first, Mr. XXXX said they were going to reach out to my employer. I can not afford to lose my job or having a substantial amount of money withdrawn or taken from my account based on a lien. Please help me with this matter and what ever decision that the CRFA decides, I will be in agreement. If I need to make payments to Diaz & Associates LLC, I can do at a bear minimum. If so, I can work out a payment agreement with them. I am in a hardship situation as of XX/XX/XXXX. My ex-husband is in a legal court litigation and funds in my household are limited. Thanking you for the time, please expedite immediately, XXXX XXXX
02/11/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92553	Web	Servicemember
To whom it may concern, I XXXX XXXX started services with XXXX XXXX XXXX XXXX. As of today, I was in 100 % debt. They, as of XX/XX/XXXX reduced my debt to 83 %. The only problem I am having now is with Diaz & Associates. When I started with XXXX, Diaz & Associates were no where in the picture. The account in question-XXXX XXXX. For some reason, they sold the account to Diaz & Associates. The account was at {$9700.00} which was sold to Diaz & Associates and they, in turn has the account be owed as {$10.00}, XXXX. I was told by XXXX account representatives to have all of my creditors to call them about any payments I owe. I was called by someone by the name of XXXX from Diaz & Associates LLC about it being imperative that I get in-contact with them ASAP! I called the number and spoke with him. I told him about the services I had inquired with the XXXX to handle and my finances when it comes to paying creditors I owe, that I could no longer afford to pay due to financial hardship from my on-call job. During the months of XXXX and XXXX, I had telephone calls left on my voicemail from Mr. XXXX from Diaz & Associates. It was he that told me that if we do not here from you as soon as possible, that we are going to have to reach out to your employer to collect this debt. I got scared and called XXXX to let them know what had transpired and they told me to make note of the number of telephone calls received/left. He only left two a day. Last month, I talked to someone from XXXX XXXX XXXX and she told me to reach out to you-CRFA. She told me that she looked at my credit report and it is listed as a chargeoff/collection. She explained it to me and I understood somewhat, but why is they looking for me to pay the full amount when the account was charged off. What one of the lenders shared with me was to contact you and to also contact Diaz & Associates to see what I can do to work on making payments because the negativity that they report is hurting my credit score. I called on e of Diaz & Associates legal representatives and he expressed to me that I make three {$100.00} a month payments fro three-months, then we can disgust making payments plan. He also stated to me that if I make steady and ongoing payments that he can reduce the balance owed. he even stated that he would be able to remove the derogatory reports of the delinquent payments. For some reason, I feel like he is not being truthful because I thought negative information stays on your credit report for 7-years. My son lost his job XXXX and working another job out of XXXX Washington. In the month of XXXX, his truck went out and in XXXX, his engine went out. My son had to borrow money from a family member to get his trailer fix. His truck is in storage in XXXX, CA. I had to pay his life insurance from XXXX, to XXXX, XXXX. Again, I need to know what can I do to help correct my chargeoff/collection account with Diaz & Associates LLC. As of today, I am trying to correct and clean up my credit report, but when I have a creditor like Diaz & Associates LLC reporting my payment as late every month because I have not made a payment, what more is there to do? Again, please let me know what can I do to make matters right with Diaz & Associates LLC? I know they are lawyers and know the system of fair credit reporting more than I. But, I know CRFA-governs the fairness of how and what creditors can/ can not do or use tactics to get consumers to comply when it comes to making monthly payments to his/her or their account. When Diaz & Associates LLC told me that the next step that they were going to do was going to be to get the money from me by taking me to court. At first, Mr. XXXX said they were going to reach out to my employer. I can not afford to lose my job or having a substantial amount of money withdrawn or taken from my account based on a lien. Please help me with this matter and what ever decision that the CRFA decides, I will be in agreement. If I need to make payments to Diaz & Associates LLC, I can do at a bear minimum. If so, I can work out a payment agreement with them. I am in a hardship situation as of XX/XX/XXXX. My ex-husband is in a legal court litigation and funds in my household are limited. Thanking you for the time, please expedite immediately, XXXX XXXX
01/30/2018	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 Was not notified of investigation status or results	FL 32708	Web
I filed a complaint with XXXX through the XXXX website and received confirmation that the complaint had been accepted. Upon contacting XXXX directly, they advised that I would not be allowed access to my credit report for 30-45 days pending the investigation of the dispute. Additionally, because I had not verified information through their website, I would not be able to obtain status of this dispute until after it was resolved, again back to 30-45 days. Of course, none of these warnings were given to me prior to filing the dispute. Despite accepting the dispute from XXXX, they would not take additional disputes from me until the original dispute single item was resolved which could take 30-45 days thought there are multiple inaccuracies on my credit report, which they still provide to 3rd parties. The entire complaint starts information being reported to the credit bureau as the result of a XXXX XXXX XXXXDiaz and Associate Loan which was included in a XX/XX/17 settlement with the State of Oklahoma in which the debt was to be forgiven and negative information removed from the credit bureaus. Despite this and numerous settlements in multiple states and federal courts regarding these loans, all three credit bureaus continue to perpetuate the fraud by allowing collection agencies to report this information. As a consumer who has already been the victim of predatory lending as deemed by several Attorneys General and Federal Court Action, I now fight a system in which collections agency information is accepted as fact, with no due diligence on the accuracy or legality of the information by the bureaus who report it or the collection agencies who own it. The collection agency in question Diaz and Associate, obtained the debt 6 months after the settlement and despite easily accessible public information regarding the settlements, still tries to collect it, even today when I was calling to find out why it had not been removed. Meanwhile, the credit reporting agencies take no responsibility for the legality or accuracy of the information being given to them. The collections agencies take no responsibility for knowing anything about the debt the buy en masse and there are no consequence and its up to individual consumers to do all the leg work. It feels that the entire systems is set up as a FRAUD against consumers. Guilty until you prove yourself innocent. All the while, new processes are put in place to protect these agencies and allow them to perpetuate information the factual inaccurate information on lengthy times that are not acceptable in the digital age. All parties seem to have and excuse not to do anything, while consumers are denied credit or fight lengthy battles on artificial timelines through convoluted process just to correct information that should be there to begin with. Frankly, I could commit a crime and the constitution protects me from double jeopardy yet we routinely allow credit reporting agencies to impose double jeopardy in Charge Off accounts with subsequent collections accounts ( sometimes in multiples ) as the debt is sold and resold. While I am not a Constitutional Lawyer, our founding fathers probably didn't foresee our digitally enabled world, they were onto something with the Fifth Amendment. We allow this credit reporting oligopoly to collude solely for their own benefit with no consequences. Yet we wonder why Americans question if the system is rigged against them - it is! Believe it or not, there is even more to the story. I give up!!!
12/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 349XX	Web	Older American
In XXXX I owned a one person, one XXXX company and a XXXX business. Business was good and so was my credit. In late XXXX XXXX work started slowing down and so did my XXXX that are workforce occupied. In XXXX things got worse and then worse yet on XXXX and XXXX. Because of my good credit I had several credit cards with high limits, thinking the slowdown was temporary, my credit card balances got higher and higher until they were shut off and not being able to pay were defaulted. In XXXX work started to pick back up and I began settling accounts until I had paid off or settled every account that had contacted me. In XXXX I had partnered with some people to buy some vacant land and was elected XXXX XXXX XXXX, " XXXX XXXX XXXX. '' The bank that the company had an account with sent a " sign and use '' credit card that was also defaulted in early XXXX because the window of opportunity for the development of XXXX had closed on the owners. I lost {$32000.00} in the vacant land deal. In XXXX of XXXX I received a call from a person who said he represented a collection agency that had purchased a bundle of old accounts and realized that the one for XXXX was about to pass the statutory limit for prosecution. He stated that because it was so close a law suit would be filed the next morning, but that he had convinced the company to allow him to reach out to me to try to settle the account. He stated that with a signed agreement he would be able to work out an agreement that included deep discounts to the total balance. I asked for time to consider this but he stated that he was leaving the office in ten minutes and the suit could only be stopped if I signed and faxed an agreement that he had e-mailed me. Because I did not want a suit filed against me I signed the agreement and faxed it back. Almost immediately I began to suspect I had been conned. With just a little research I determined that this account had been in default for almost 6 years. The law in FL requires a legal attempt to collect on this kind of contract within 5 years. I did not make any payments required by the agreement that I signed because I was lied to. In XXXX XXXX I was filed on and responded to the court with the the above information. In XXXX XXXX there was a hearing and because I had not answered the suit in affidavit form, it was if I had provided no answer at all. The judge stated that she felt she should continue this case to allow the correct format but the plaintiff 's attorney argued vociferously that his client deserved a judgement. The judge informed that I should have been more careful, that I should appeal this ruling and then gave the plaintiff a summary judgement. I contacted an attorney to appeal this judgement and his bill is already up to {$6000.00}. In the suit the plaintiff states he bought a group of accounts, that this was XXXX of, with " with no knowledge of their validity. '' I was lied and conned and then sued based on the lie and because of not responding in affidavit form now have a judgement against me and have had checking accounts garnished.
07/30/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	KY 41005	Web
I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.
10/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92104	Web
Diaz & Associates writes in a letter that I have a debt of {$7400.00} from " XXXX XXXX XXXX XXXX ( ) '' and they're offering me " an opportunity to resolve this account in full for the balance of {$2600.00}. '' I checked my credit report, and no such bank name appears on my credit report. I looked up the bank to see if it was legit, and XXXX XXXX was acquired by XXXX XXXX XXXX in XXXX and renamed the next year. It's late XXXX, so that means XXXX stopped issuing credit cards over 15 years ago. In the whole ten years of my credit history, this credit card didn't even exist. In California, a debt collector has to inform a consumer if a debt is time-barred. The collector must include the notice in the first written communication sent to the consumer after the statute of limitations passes. Clearly, if it's not even in my credit report, it's been way over the 4-year statute of limitations for written contracts in California. It's all very fishy, like they've purposely picked a bank that doesn't exist so the consumer can't call in and ask questions to verify the alleged debt. I think this company is trying to extort money out of me. Is Diaz & Associates a scam? According to the XXXX XXXX XXXX website, Diaz & Associates has had 63 complaints closed in last 3 years. The many many other claims appear to still be open. One guy who got the same letter as me wrote that " my credit report clearly shows I have never had any business with any firm by that name or in any similar amount. This " attempt to collect a debt '' is CLEARLY a phishing scam, CLEARLY illegal and I want them to cease immediately, release me from all claims and liabilities pertaining to this unsubstantiated debt collection account, and to send notice to any credit agency affected that this account ( File # ****** ) is fraudulent and without support documentation. There are many other websites that tell horror stories about this company I can not believe they are still in business. But they are, and Im guessing their tactics work to scare the vulnerable into falling for their scam, and that they're making tons of money by targeting seniors like me! Please investigate and try to stop them from this scam! XXXX XXXX, Legal Administrator Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
01/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92345	Web	Servicemember
For over 9 years now Diaz and Associates in XXXX Ca. has continued to insist that I owe monies from unsecured credit card debt that is clearly time-barred and in violation of FDCPA, FCRA, California civil code 337 and other various federal laws pertaining to debt collection and protection of the consumer. As a result, I have had court issues and financial hardships from this company that engages in predatory collection practices and deceit to gain financially I have reached out to them over the years to show me the proof of the original debt, to which they have not. I have demanded that they do not contact me, to which they do. They attempt to use trickery in order to renew the debt to which I dont, but yet they continue as they know full well that the stated debt in attached to my name is uncollectable. Diaz and Associates, then recruited a law firm under false pretenses in order to collect this debt. They are a fraudulent company that ignores fair and legal collection practices, the law and, case law to in rich themselves. They use harassing tactics to pressure the consumer and uses unethical practices in order to pray on uneducated, ill-informed consumers. As a result, I have filed a complaint with the state Attorney Generals Office, as well as Consumer Financial Protection Bureau. As I read the multitude of complaints on file, they will respond that they know the stated laws above but yet they continue. This needs to stop immediately and the XXXX needs to respond to their ongoing hostile practices.
02/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91942	Web
In XX/XX/2023 I reviewed a copy of my credit report and noticed an account from this company that i do not recognize. They are alleging i owe them money but yet have not provided me with any type of proof that this debt actually belongs to me, there is absolutely no contract between me and this company. In addition they are reporting to my consumer report without my authorization, and this erroneous account is affecting my credit worthiness and ability to obtain a home loan. I am devastated because I need to be able to purchase a home so that my ill elderly mother can move in with me, I am the only person she has left. This company has not proven this debt belongs to me which is a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They are defaming my character and violating 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. You are harming my reputation with the alleged debt. Also 15 U.S. Code 1692j - Furnishing certain deceptive forms. Because of these violation i reserve the right to pursue legal action as outlined in 15 U.S. Code 1692k - Civil liability. I do not recognize this account and believe this to be an error, this company needs to remove from my credit report or provide me with proper validation as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
12/06/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WV 255XX	Web	Servicemember
On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.
04/28/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	NH XXXXX	Web
My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.
06/10/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77066	Web
XX/XX/XXXX, I received an alert on my credit report of a collection company, when I view my credit this company DIAZ & Associates have placed a payday collections in the amount of {$800.00} from some company named XXXX. Monday, XX/XX/XXXX I received a letter in my mail from DIAZ & Associates, acct # XXXX-XXXX, file # XXXX stating that I owe a payday loan to which I know I never did. So attempted to call this company at XXXX-XXXX-XXXX to ask information about this letter, the person transferred me to the manager XXXX. I asked him what was this and when was this acct generated. XXXX gave me the date of XX/XX/XXXX and I asked him did he have paper work with my signature, copy of my id, of how was this acct generated. XXXX told me he didn't have that information and could not give me the facts of how this acct was opened. But I told him that DIAZ & Associates was the ones that put it on my credit and XXXX said yes they did. XXXX stated that he would give me the number to this XXXX but then said he didn't have it but got really bothered when he felted as if I was being rude. But I told him I have a police report from being an Idenity theft person, he said it was to old. I stated how would you put things on peoples credit and not have all the correct information they are needing. I used a curse word and hung up on him.
09/21/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KS 674XX	Web
The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.
06/03/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH 45424	Web
Diaz and associates contacted my place of employment without ever notifying me by mail or my private number on XX/XX/31 and XXXX. Theyve called there several times. When I called on XXXX to verify why they was calling for an unknown debt and asked why I was being harassed at my employer I was transferred to a manager ( XXXX XXXX ). He became angry on the phone and threatening that I need to pay debt of {$3200.00}. I then called the payday loan and it was accurate I owed a debt but my debt was given to XXXX XXXX. I called them there and my account is still open with them, not Diaz and associates and my amount asked is actually {$2300.00} per XXXX XXXX. Another person called me from Diaz and associates and again tried to say I owed this debt, wanted me to give him my current address and other information and demanding i pay them. When I said I was filing a complaint and calling my attorney general he became angry and was saying I owed this debt and needed to pay. I explained several times Ive spoke with XXXX XXXX XXXX and I will be going through XXXX XXXX the debt collection XXXX XXXX XXXX sent my debt to. I tried to tell him to stop calling my employer and he hung up. I called back because he would not let me get the words out and kept hanging up on me so I could not state not to call anymore.
08/23/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95828	Web
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because Diaz And Associates is aware that the account was is set to fall off in 7 years XXXX XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore Diaz and Associates should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and Dias and Associates has been notified and have made no changes.
10/18/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 152XX	Web	Servicemember
This company bought a debt that is 11 years old, repackaged and falsified dates on it to appear as if the debt is brand new, and listed it on my credit report as brand new debt. No original documents were provided to the dispute through XXXX as to the age of this debt. I have never been contacted by Diaz and Associates regarding this 11 year old debt. The name listed on the debt is a name I havent legally had in 9 years, which was my legal name in XXXX when this loan was originated. My last name changed in XXXX, XXXX. That piece of evidence alone would give any reasonable person information to show that, as of XXXX, this debt is too old, and falls outside the statute of limitations for collecting and reporting. Looking at research, there are several instances from other consumers stating the same, that Diaz and Associates buy old, uncollectible debt, fraudulently change dates listed in the account, and attempt to collect on debt which is outside of the statues listed by the Fair Credit Reporting Act of 1970. This is a clear violation of the Fair Debt Collection Practices Act of 1977, and should be addressed appropriately. My next step is to take appropriate legal action against Diaz and Associates and their owner through my lawyer.
05/23/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	DE 19958	Web
I am the recent victim of potential identity theft so I recieve alerts to my phone whenever there is a change to my credit report. I recieved a notification from Diaz and Associates that I owed {$780.00} from XXXX XXXX from XX/XX/XXXX. I promptly called Diaz and Associates because I had no recollection of the debt. The representative I spoke too immediately tried to get me to " settle '' the debt even-though when verifying my address they had me listed in XXXX not XXXX where I have resided for the last four years. When I disputed the debt and asked for it to be verified I was transferred to another gentlemen who wanted to argue with me and refused to verify the debt. He then claims a notice was sent out to me and that he could email me a verification of the debt on the spot, which I know is not appropriate because I would think he would be able to verify all of that with the original debtor. When I advised him that I will not be paying today and I would be filing a complaint, he responded, " I don't care file your complaint ''. Now my credit score has dropped 20 points for a this debt that this company can not verify. In addition, they claim the debt is from XX/XX/XXXX but they are only now trying to contact me.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
FCRA Violation personal information not mine XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web
In XXXX, I reported a fraudulent account on my credit profile from XXXX XXXX that was opened in XX/XX/XXXX. I do not have and have not ever had an account with this company. I contacted all three major credit bureaus, provided them with the correct information including the fact that I did not live in the state where this account was created, nor was that my last time. The account was removed from my credit report in XXXX. However, now another collection company by the name of Diaz & Associates has re-inserted this information on my credit report. I have disputed this with the credit bureaus and this company and the credit bureaus continue to state this information is valid. It can not be valid when it was previously removed my report as fraud. Diaz & Associates sent me a computer generated lease agreement with an ELECTRONIC signature that is not mine, this can not be used as a means to determine the validity of the debt. It is extremely egregious that a credit bureau would allow a collection agency to add information that has been removed previously.
05/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 117XX	Web
Again another debt collector Diaz & Associates has sent me a letter trying to collect a debt I already paid. In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Diaz & Associates. I have tried through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. They have even called my friends and family asking where I am and told them I owe money. Also they have threatened further legal action even jail. Im tired of these debt collectors selling my information to new debt collectors every time they find out I do not owe that debt. It should be illegal to sell information to debt collectors if the debts have been paid. Enough is enough I want something done.
08/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77598	Web
DIAZ & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. XXXX XXXX XXXX XXXX was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.
05/28/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91941	Web
I do not own a XXXX XXXX & therefore do not own this debt. I have repeatedly tried to call Diaz & Associates & I get no answer & can not leave a VM as their maibox is full ... They tell me that I must respond by XX/XX/2021 & so I finally just sent them a text today on XXXX disclaiming this charge to their text number ... I will freely give you the info as follows, as I don't own this debt : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CA XXXX ... Telephone # is XXXX, FAX # is XXXX, stmt was dated on XX/XX/XXXX of 2021 & after many repeated attempts unable to contact them I finally faxed them today on XXXXto dispute this charge ... Other pertinent info from this outfit from this notice is as follows : XXXX XXXX, acct # XXXX ( which I do not own ), File # XXXX, Balance of XXXX, & just as long as I pay XXXX by XXXX will call their dogs off ... I've learned that they have a # of fradulent claims that people have reported abouit this debt collection agency to CFPB, so pls get back w/me asap, thank you
08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08859	Web
Ok so back in XXXX my identity was stolen when I lived in va. I made a police report. Let credit bureaus know what happened. I thought that fixed anything that would arise. I kept getting bills from XXXX saying I owed money. I called them and explained what happened. They wanted me to send them a copy of the police report and I did. So I was told it would be taken care of. XX/XX/XXXX I get a letter in the mail from diaz and associates saying I owe XXXX money! So I called them. They claimed they couldn't locate my file. So they dismissed it. Never got another letter til today. XX/XX/XXXX. This debt has never once been on my credit report. I've talked to XXXX and they say I owe them nothing. But these debt collection companies say I owe money. I know that I don't. Someone used my social security number to order stuff from XXXX and it wasn't me. I shouldn't have to pay a debt that isn't mine. My credit is excellent. I have no missed payments on my credit cards. Why would I mess that up?
02/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77036	Web
yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.
07/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29501	Web
I received a letter from Diaz & Associates dated XXXX requesting payment on a debt supposedly from original creditor XXXX in the amount of {$690.00}. I do not recall a recent or even past account with XXXX or what type of account it supposedly was or when the original account opened. And another company, XXXX XXXX XXXX XXXX, just randomly reported this same debt for {$690.00} and also one for {$720.00} from XXXX to XXXX as collection accounts on XXXX. I have already disputed the XXXX XXXX XXXX XXXX collection reporting with XXXX to no avail. I have also submitted a CFPB complaint regarding XXXX XXXX XXXX XXXX. I believe these requests for payment and credit reporting are based on inaccurate and/or fraudulent information. It appears these so-called debts are being transferred from one " company '' to the other very quickly which seems questionable. I doubt these are legitimate attempts to collect a valid debt and want proof to prove otherwise.
02/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
I received a letter stating I owed {$4500.00} on a debt from XXXX XXXX. I have never owned anything from XXXXXXXX XXXX or acquired any debt from XXXX XXXX On XX/XX/22 I contacted Diaz & Associates regarding the alleged debt. I was informed that this debt was from something that they claim was previously on my credit report and removed. They stated the the alleged debt was from XXXX. I informed them that this must have been fraud and advised that their was a statute of limitations on the collection of debt, however he said I still owed the debt. I informed them that it was fraud and I do not owe the debt. Apparently this company is purchasing old alleged debt or making up debt in an attempt to collect, long after the statue of limitations on collections. Attached is the letter. Please contact them and have them remove my name and information from their system
01/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I received a debt collection notice from Diaz and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX regarding a loan balance of {$1000.00} from XXXX ( acct # XXXX ) that is not mine. XXXX, the debt collection agency, sent me a letter stating that if I pay {$350.00} to them, the debt will be resolved. I called Diaz & Assoc and they said that it is a loan from 2011, they had my name and last four digits of my social security number. I told the representative that this is not my debt, that I have never done business with XXXX, nor taken a loan out with that company. The representative, XXXX, said that the loan would be closed but I want to make sure that this is not fraud, and that the case has actually been closed and will not affect my credit rating.
11/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78218	Web
Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.
08/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92020	Web	Servicemember
Received a letter dated XX/XX/2021 from Collection Agency XXXX Diaz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Legal Administrator I had no knowledge of this debt nor was any information provide to me to indicated that I owed a debt of {$2800.00} with a opportunity to pay this off with a stated amount of {$1000.00}. When I reached out to find this status I was advised that his a 20 year old debt, and there is no information to provide. However they where going to report it to the credit agency. I will tolerate being take advantage of by this collection agency, to extort money from me. Even if it is mine the statue to collect has well run out. I pride myself in trying to keep my credit safe and protected. Help
06/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 20112	Web
This company reported a collection on my credit report without first notifying me via USPS that a collection was pending. I do NOT have any back debt. I do NOT owe anyone for this debt. o Im the victim of identity theft, I have my reports frozen, I am listed with the FTC as a victim of identity fraud, and I do not recognize this account. o I want this account immediately removed from my report. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires prior notification to the consumer in case the debt information is not correct. I keep my credit reports frozen for solely this reason and keep a very good eye on the reports. I have been a victim of credit/identity theft for years.
08/04/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76137	Web
On XX/XX/2018 the company Diaz and Associates contacted my human resources department at my employment. They stated that they were trying to set up a time for me to meet with the sheriff 's office off site. I told them the debt was not mine. I sent them a cease and desist letter by mail, fax and also email at XXXX. I received a voicemail at XXXX on Monday, XX/XX/XXXX, another voicemail on XX/XX/XXXX @ XXXX XXXX and another voicemail on XX/XX/XXXX @ XXXX XXXX. regarding this debt. The last two voicemails from someone named XXXX. They have disregarded my letter stating not to contact me. Also they are misrepresenting themselves as a law office that will send the sheriff 's office to my home or work.
09/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 750XX	Web
Received a letter from Diaz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX and it looks to be a complete scam. They sent a letter saying I owe {$1400.00} on a credit card account that was opened in XXXX and settled in XXXX with the original creditor. They tell me they'll settle for {$510.00} if I pay by XX/XX/XXXX. Not only is this a complete scam, this is 15 years past the statute of limitations. It's predatory. It's not a debt owed at all because it was already paid almost 15 years ago. Y'all have to to go after and put a stop to this type of stuff. Several people are posting online they've experience the same thing from this company. I don't even know if they're real. Who really does?
04/30/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43551	Web
Spoke with XXXX XXXX XXXX Diaz and Associates who I feel misrepresented the dates of the XXXX fitness debt. He states it was from XXXX with a last payment being made in XXXX but we feel that it was done more in XXXX when my husband was a minor and no payments were made after his mom informed Ballys he was not of legal age. XXXX XXXX of Diaz and Associates was rude and condescending and apologized to my husband for what he had to deal with everyday living with me he also stated he allowed me to speak. I want no contact with this extremely misogynistic company ever again for a perceived debt that is 36 years old. He also asked that we provide documentation showing we dont owe this debt.
03/13/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95823	Web
I called the company and explained to them I had no knowledge of the account. They asked me to verify my information, they confirmed they didnt have the correct information so I blindly gave them my correct information in hopes of clearing all confusion then they attached it to my credit. They then began to report on my credit a different amount that they previously told me in our first conversation and went as far as reporting I made over 10 payments in the last year which is untrue. I havent had any contact with this company since our initial conversation almost 3 years ago now and Ive never made a payment or agreed to settle the debt with this company.
09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
On XX/XX/2020 The company Diaz and associates opened a collection account on my credit report for XXXX and XXXX in the amount of XXXX. They reported the original creditor as XXXX XXXX XXXX the amount due is XXXX I have never had an original account with XXXX XXXX XXXX, I have never received any information regarding this debt from the original Creditor nor have I received any information from Diaz and Associates. The credit reporting is completely fraud, and is effecting my ability to find housing. On XX/XX/XXXX, I began the dispute process with XXXX and XXXX. Please investigate this companies practices.
06/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60586	Web	Servicemember
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
09/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 711XX	Web
This items were unverified by DIAZ & ASSOCIATES and DIAZ & ASSOCIATES reported the fraudulently account on my credit report without my consent.The account was removed and now has being reinserted back onto my XXXX credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.DIAZ & ASSOCIATES must remove the fraudulently account immediately accordingly FDCPA and the FCRA. I have also attached my identity theft report as well Please removed fraudulently account from all my credit reports I will report this to the FTC and the Attorney General
11/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92801	Web	Older American
Diaz & Assoc. sent me a fraudulent debt collection letter dated XX/XX/2023, stating I owed a debt balance to XXXX XXXX XXXX for {$5800.00}, offering to settle for {$2000.00} if received by XX/XX/2023. I have never had any kind of account with XXXX XXXXXXXX XXXX, and I don't believe Diaz & Assoc. represents them. They state report may have been made to Credit Reporting Bureaus. I believe they targeted me because I am an XXXX XXXX XXXX elderly person. I researched this company and found XXXX complaints filed against them with the Better Business Bureau and a class action lawsuit..
04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
I have received a5 letters and numerous phone calls from Diaz and associates. I told them to stop calling. I searched online and found out this is a scam company in XXXX The man repeated my social security number to me and was threatening. I do not have any account with this XXXX. I do not owe them any outstanding money. This is not on my credit report. I feel this is a scam and it needs to be corrected. I do not owe any money to these people .I have no idea what they are talking about. The phone number on their website is different from the phone number on their letter.
02/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78520	Web
I received a letter on XX/XX/XXXX from Diaz & Associates stating I owe a XXXX XXXX XXXX an amount of XXXX but were willing to settle the account for XXXX and that I should submit the payment no later than XX/XX/XXXX. Ive never heard of no XXXX XXXX XXXX and every time I try to contact that Diaz & Associates it tells me they are not available at the time. Im on top of my credit and I have not defaulted in any payments but today I checked my credit and this company had the audacity to file a collection on XX/XX/XXXX and I received this letter after XX/XX/XXXX.
10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45248	Web
Received a letter from Diaz & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX dated XX/XX/2021 indicating I have a debt of {$1900.00} for a XXXX Calling Card . The letter stated that if I pay {$670.00} by XX/XX/2021 the debt will be removed. I have never had a XXXX Calling Card and this debt is not in any of my credit reports. A XXXX search shows this company has attempted this fraudulent debt collection with many others and is still in business. This is a scam plain and simple and this company needs to be held accountable for their fraudulent actions.
07/03/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19154	Web
Diaz and Associates, XXXX, XXXX XXXX of debt in question : XXXX XXXX XXXX Received a letter XX/XX/XXXX in the mail for a debt that took me by surprise. First off, the bank mentioned in the letter has not existed since XXXX. All of my previous debt have been discharged, so I found this very suspicious to get a debt letter in my name. Next, this is the only letter received asking to settle a debt in full at a fraction of what is actually owed. And lastly, they are directing to a website to pay off the debt. I found this all alarming and looks like a scam.
12/11/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63052	Web	Servicemember
I got a call from the company around XXXX and asked for them not to contact me that the debt is over XXXX XXXX XXXX and it was paid off. Starting XX/XX/2022 I started getting text messages from a XXXX which is a local number to me from the same company. I called the company and spoke with someone about this and told them I told them to stop contacting me and explained the dept was paid and to stop contacting me. The gentleman gave me his word he would delete this debt from his system. as of XXXX I am still getting text messages from this company.
12/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91710	Web
I received a letter from Diaz & Associates about a credit card collection that is a time barred debt on XXXX. I called the credit company whom they are referring that I owe money to. The credit company XXXX says they have no record of the account or anything under my SSN. I do not recall ever opening an XXXX credit card. The name on the letter is before my name change in XX/XX/2005. I have not opened a credit in that name in over XXXX years. I also check my credit report and I do not see any credit card loan or default for XXXX.
05/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American
On XX/XX/2021, I received a one-page demand letter from the above referenced company. The letter fraudulently claimed that I owe about {$5000.00} on a fictitious credit card account. I contacted XXXX XXXX XXXX, and they instituted a fraud investigation. I believe I am the target of a criminal attempt to extort me of money based upon my status as a Senior Citizen. I can only imagine how many other senior citizens also received a similar letter. I DEMAND A FEDERAL INVESTIGATION OF THE COMPANY 'S PRINCIPAL, XXXX XXXX.
07/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33756	Web
DIAZ AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has placed a collection debt on my credit reports in XX/XX/2019 without first notifying me. I was aware of the debt and it being on my credit reports. The collection agency is also attempting to collect a debt which has expired under the 5 year Florida statue of limitation Laws. It has failed to provide debt verification and its authority right to collect debt. Collection agency has failed to adhere to the Fair Debt Collection Practices Act.
10/09/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	LA 71118	Web
On XX/XX/2018, XXXX from Diaz and associates contacted my job, work, mother, and fianc. I allowed my fianc to contact organization on my behalf due to them being closed when I get off work. She proceded to tell my fianc that it was not illegal to contact my work after I specifically stated that my job does not allow personal phone calls. In addition to this, she left voicemails that gave my personal reference and file numbers that could lead to my job gathering information.
09/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98006	Web
This company named Diaz keeps sending out letters to us stating we owe them for a XXXX account. I've called XXXX a few times, and we don't owe anything. Now they are calling my family members and harassing me, saying they are trying to serve papers and there is a civil suit against us. It's really nonsense, and the threats are getting to be too much. Now they call themselves XXXX XXXX. Their phone number is XXXX and they said our case number is XXXX.
02/06/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
XXXX continue to put that I owe them on my credit report. I have told them over and over it is not me. They removed it from my credit and then sold the account to XXXX that put the item on my credit and XXXX added it back also. Now both of the items are on my credit and they are not mine. This has been since XX/XX/2013 in Alabama and I moved to Georgia XX/XX/2013. This is not my account and they will not remove it.
04/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91343	Web
I received a letter dated XX/XX/22 from Diaz and Associates, claiming that I owe an amount for a debt in the amount of {$630.00}. After careful review of my full credit report, I do not have an account with this entity, XXXX, nor owe said amount. All of my credit accounts are within good standing. I have no debt collection account, nor a derogatory remarks. This is a false claim for a debt that I do not owe.
12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 986XX	Web
I received a letter dated XX/XX/2021 from DIAZ & ASSOCIATES, stating I owed a balance of {$100.00} on a XXXX account XXXX They offered an opportunity to resolve this account in full for the balance of {$37.00}. I Do Not Owe This Money! I have never incurred a {$100.00} charge from XXXX XXXX This is a scam attempt to steal money from me. They need to be arrested and thrown in jail.
04/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Comment Demanding {$2000.00} to settle a balance of {$11000.00} XXXX XXXX XXXX # XXXX Absolute Fraud! I have not had a XXXX XXXX Account since XXXX or XXXX My Credit score is VERY GOOD and There is nothing on my 3 Credit Scores that is Negative. Nor has there been anything for at least 17 years. XXXX the Company and they seem to be a Predatory Fraudulent Company
09/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33437	Web
Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report
01/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX
07/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 782XX	Web
Diaz & Associates, I don't have dates. Keeps checking my credit report on XXXX. Several calls this year, threatened to have authorities serve me with legal documents. Various calls from different states, always leaving messages to call back with ID number. I don't owe anything. Diaz & Associates , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
06/02/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	AR 722XX	Web
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is from X/XX/17.
07/31/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AZ XXXXX	Web	Older American
Caller would not identify himself, his company or the reason for calling. He was rude, evasive and asked inappropriate questions. My XXXX year old husband and I were verbally harassed about a debt we are not resposible for. I determined that the individual was calling from Diaz and Associates by looking up his phone number online.
11/29/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	WI 53210	Web
I never received written notice or phone calls regarding the debt. My employer was contacted and they sent me an email stating that the company advised if I didnt get in contact with them they would send a summons to my employer for court proceedings. I received a call and an email in XX/XX/XXXX from my HR department
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91342	Web	Older American
Receiving a debt collector letter for over XXXX from a XXXX but I have never gotten any account threw this vendor I am a retired resident and I don't know what this charges are for ever time I call the debt collector office they never an answer and they have my name wrong but they have my address. Please help me
12/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
Diaz & Associates sent me a collection letter for debt that is not mine. I have no outstanding debt, besides student loans. I googled this company and there many others who received similar letters for debt that is not theirs. This company is attempting to scam hundreds or perhaps thousands of people.
12/07/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 932XX	Web
Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.
06/07/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 78582	Web
Diaz and Associates, Inc called to my work and spoke to my imediate supervior saying that they needed to get in touch with me that I was being sued. I have n't recieved any calls from them to my personal phone so I do n't think its correct for them to be harrasing me at work.
10/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33139	Web
Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed. Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.
10/01/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91730	Web
Someone named XXXX XXXX Diaz and Associates have contacted multiple people within my family telling them that I need to call them back because I missed several payments and need to make a payment.
07/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91311	Web	Servicemember
Diaz and Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ). Trying to collect on a debt that is XXXX years old. For XXXX XXXX : XXXX XXXX XXXX XXXX.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92557	Web
Received letter. Never received anything from this company prior. I have lived in XXXX XXXX since 1994. I am not sure what this company is doing.
05/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92346	Web
I received a letter in mail about owing a debt that I have no idea where is coming from. It was on the date XX/XX/2022 In the amount of XXXX
07/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 109XX	Web
I received a letter from DIAZ & Assoc., regarding an old debt. This debt is 32 years old and was discharged in bankruptcy.
07/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 934XX	Web	Older American, Servicemember
I am not in arrears with this account with XXXX. This is a scam, and they do not even have the right account number
10/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 78260	Web
Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.
01/06/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 711XX	Web
Diaz & Associates sent me a fake debt bill. Saying I owed XXXX to XXXX XXXX.
01/13/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48234	Web

07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11231	Web

05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91942	Web	Older American

01/31/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TN 38555	Phone

07/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78063	Web	Older American, Servicemember

06/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78550	Web

05/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29501	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76133	Web

02/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76119	Web

01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98506	Web

01/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90712	Web

01/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

01/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90803	Web

01/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75013	Web

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21218	Web

11/18/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27534	Web	Servicemember

08/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85006	Phone

08/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75098	Web

08/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94062	Web

06/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AK 99507	Web

05/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web

05/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

05/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32669	Phone	Servicemember

04/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CO 80223	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92691	Postal mail	Older American

09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone	Older American

09/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90255	Web

12/19/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89149	Web

08/31/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73116	Web

06/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30076	Web

05/04/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	LA 71106	Web

04/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43615	Web

02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web

01/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 936XX	Web

12/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web

06/04/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28645	Web

01/25/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MO 65706	Web

01/04/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 77081	Web

12/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90744	Web

12/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 90744	Web

07/08/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 93035	Phone

08/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34759	Web

08/18/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91944	Web

02/02/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	UT 84125	Web

12/08/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 01040	Web

11/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33919	Web

06/30/2014	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TX 75771	Web

06/18/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85396	Web

03/18/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	AZ 85614	Web	Older American

01/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90650	Web

12/24/2013	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CA 92867	Web

09/21/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 93730	Web