Diversified Acceptance Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/30/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 913XX	Web	Older American
My complaint has been reported to the company by a first class mail and fax. This company, M. Leonard & Associates XXXX the company ) and its representative, XXXX XXXX, sent me a bunch of bills and payment demands dating back to XXXX and XXXX and included was another doctor bill dated XXXX of XXXX then demanded total payment of nearly XXXX times the amount of XXXX XXXX doctor bill all within 5 days. The date of the demand was XXXX XXXX, XXXX and the deadline to pay was XXXX XXXX, XXXX. I am a financially responsible senior citizen and I was shocked to see such illegal demand and yet worse, such zealous and aggressive company staff pursuing collection methods that are illegal, immoral and reprehensible. I disputed every bill this company sent me on XXXX/XXXX/XXXX and requested proof of debt but they didnt oblige to my request. I began to worry when they failed to provide me proof so I called XXXX more times and sent additional requests by mail, last request was on XXXX/XXXX/XXXX, both by phone and first class mail. This company sends me a proof of debt postmarked XXXX/XXXX/XXXX in a form of doctors office statement. The statement was blacked out in most parts and did not show all relevant information that should be clear and show what the bill is about. In that letter the company advise it is withholding all collection activities until XXXX/XXXX/XXXX. Meantime, I received another letter from this company postmarked XXXX/XXXX/XXXX stating the amount of debt is due now and it has been reported to credit reporting agencies as a collection item. This company used deception and intimidation tactics to force me to pay a bill that is not verified and I totally dispute. This company has damaged my credit file and my XXXX XXXX has dropped by nearly XXXX XXXX points. This company did not give me an opportunity to verify the debt and rushed to make a derogatory report against me to willfully hurt my credit. My credit file is very important to me and this company and its representatives attempt is just to bring me to my knees. It clearly shows this company was intent to pressure me for a payment. This company tried to collect some very old and unknown bills I am not aware of and tagged it to a newer bill which I dispute. I believe this company wanted to intimidate me by sending the very old bills ( XXXX XXXX XXXX and unknown to me XXXX then tag it to the newer bill of XXXX XXXX. Even though I consider these old bills bogus and XXXX new XXXX unverified, however this company was trying to pull a fast XXXX and get a quick payment by giving me only 5 days to pay without giving me any opportunity to verify and validate. This company is reverting back to the old days when they used to commit any act in order to collect money from unsuspecting consumers. I have attached some documents here to proof how zealous and aggressively this company conducting itself against consumers. Exhibit " A '' shows the bogus demand for payment for some very old bills which I do n't recall but they included a newer bill from XXXX and demanded payment for all the bills within 5 days without giving me time to verify. Exhibit " B '' dated XXXX/XXXX/XXXX but postmarked XXXX/XXXX/XXXX shows they sent a proof of debt for the new bill ( which was mostly blacked out and incomprehensible ) and gave me a deadline until XXXX/XXXX/XXXX to validate the debt. Exhibit C shows the company sent a letter dated XXXX/XXXX/XXXX and postmarked XXXX/XXXX/XXXX ( same day as exhibit B letter XXXX and in this one they declared the debt valid thus have reported it to credit agencies against my credit profile without validation. This contradicts company 's statement which had given a deadline of XXXX/XXXX/XXXX to me for validation. Exhibit D as a proof of debt it is mostly blacked out and not a proof. I dispute the amount. I must see complete details of the bill without XXXX out of any items.
04/19/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91730	Web
This adverse account listed on my credit report is inaccurate as the account was turned over to collections due to a bookkeeping error. When I was contacted by M LEONARD & ASSOCIATEXXXX regarding this collection account I advised them that the account had been turned over to them in error, because the bill was covered by my sons insurance and had been paid in full. Despite what I told XXXX XXXX he said that I owed the money. I asked XXXX XXXX of M LEONARD & ASSOCIATES to provide me with supporting documentation so that I could look into the matter further. After receiving the documents that I requested from M LEONARD & ASSOCIATES, I called them and they advised me that they would hold off on any further collections until XX/XX/XXXX so that I could look into the matter. On XX/XX/XXXX I contacted XXXX XXXX of M LEONARD & ASSOCIATES and advised him that I was still waiting to hear back from bookkeeping regarding the account as the file had been put in storage because the account was from XXXX. During this conversation I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that I needed to pay the outstanding amount while I waited to hear back from bookkeeping or they would report the negative information to my credit report. I made the payment even though I did not own the money so that M LEONARD & ASSOCIATES would not report the negative information to the credit bureaus. After making the payment I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that if there was in fact an error M LEONARD & ASSOCIATES would reimburse me the {$240.00}. Despite the promise to not report the information to the credit bureau if I made the payment, M LEONARD & ASSOCIATES still reported the negative information to the credit bureau and it was later discovered that the account was in fact turned over to collections in error. So based on this fact the I asked the debt collector to remove the negative information that they reported to the credit bureau and they refused. This is not a valid collection account and therefore should not be listed on my XXXX credit report. The account was paid in full prior to being turned over to collections. Furthermore the fact that M LEONARD & ASSOCIATES reimbursed me the {$240.00} for the payment that I made, further confirms that the collection account was in fact in error and therefore should not be on my credit report. Lastly, there should be no charge off as the account was paid in full by my sons health insurance and the account did NOT legally belong to M LEONARD & ASSOCIATES.
07/10/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91311	Web
The company M. Leonard & Associates has repeatedly tried to scam me for medical bill money I do not owe. Ruined my credit score over & over by doing this. I have had XXXX XXXX fight them once for the same amount they are charging me once again {$240.00} ( which they have gradually increased over time ), which XXXX XXXX has won the dispute w/ XXXX & had taken off my Credit report. I have also had it taken off XXXX previously, so how these scam artist can sneak & put it right back on there I have no idea! I have a young child & am currently having XXXX XXXX XXXX. Life is hard enough without ruthless dishonest crooks like these. I have full coverage health insurance & always have. No-copay. As in XXXX. This is insane to me, bc I have never.. I repeat never seen a Dr. that does not take my insurance & dont have a co-pay. 100 % hospitalization coverage, as well as 100 % XXXX & XXXX coverage. Prescription are free. You name it. For Petes sake I get an XXXX that cost $ XXXX a year & they come to my home to give it to me each month. I dont think they my insurance is sweating a {$180.00} turned {$240.00} bill!! Obviously, this is made up, & the company is not a real Dr or hospital that this M. Leonard & Associates is billing me from! Like what entity or hospital or Dr. is MEDICAL PAYMENT DATA anyhow???? Can someone tell me?!? Sounds like a racket to me! A way good old M. Leonard & Associates found to con people out of coughing up there hard earned cash over the years, so they wouldnt ruin their creditbc hey, what else do us are us little people who eventually wan na buy a house gon na do??? Please help. Thank you kindly. PS - Attached is the M. Leonard & Associates False Derogatory Account, as well as a screenshot of my XXXX XXXX today showing no XXXX as you can see they have disputed M. Leonard & Associates as of recently, & gotten then off my credit report only months ago. Unfortunately, these crooks made their way back on in the past few days. I noticed them on XXXX XXXX & XXXX.
08/15/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90640	Web
On XX/XX/18 an invoice was populated in my name for the amount of {$360.00} from the Dr. office of XXXX XXXX XXXX MD of XXXX XXXX XXXX for services rendered. Not only was I unaware of this charge, but I also don't recall ever having a service done. Whenever I attended this office, I was never invoiced and told by my insurance company, during that time, all charges were covered. The debt was turned over to a company by the name of M. Leonard & Associates which appeared on my credit report before I even received a collection letter from them. I attempted to contact M. Leonard & Associates for verification of the debt, requesting a copy of the invoice and signed document stating I agreed to pay for these services, which this company has failed to provide and comply with. I contacted the credit bureaus regarding this bogus collector reporting misinformation on my credit report. I then attempted to contact M. Leonard & Associates again to remove said debt, in which, they refused, insisting that I owe the debt listed in the invoice provided, without providing me adequate proof requested pursuant to 15 U.S.C. 1692g of the FDCPA. Not only has M. Leonard & Associates failed to comply with my request, but they also insisted on saying they are not required to provide me with the verification requested. They don't have the original receipt of my debt they say I owe, they are trying to collect a different amount from the {$360.00}, tacking on interest in the amount of {$130.00}, and they are refusing to comply with my written request of verification which is outlined in detail along with the laws that back each of my demands. I refuse to pay this company as I feel they are trying to collect from consumers unlawfully and falsely reporting to the credit bureaus without adequate verification. Please make these crooks comply with the law and avoid destroying the consumer 's financial history.
01/26/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91604	Web
I received invoices from a Debt Collector, and the listing of the original creditor on their invoice was similar, but not the actual name of a medical provider I had used in the past. I sent XXXX certified letters asking for a debt validation, challenging the debt. I only received additional invoices with added interest. I sincerely thought this was a scam operation, purposely using a original creditor that is not a registered business per the Ca. XXXX website. The Debt Collector then reported this to the credit bureaus. I started with XXXX, and informed them that the debt collector invoiced me for a original creditor that does not exist, and then reported the debt using yet another name, similar but not the name of a medical provider I had done business with in the past. XXXX, after investigation, much to my surprise, did not challenge the debt collector and let the debt stay on my report with an original creditor that does not exist. I then contacted the original creditor and advised them of the situation. Explaining why I did not owe any money, and why I thought the debt collector ( based on the XXXX similar but different names they were using ) was running a scam. The original creditor then contacted the debt collector and the debt was removed from my records. This process consumed time, effort, money ( certified letters ), and was very stressful. The debt collector could have made this whole process easier by providing a debt validation and presenting accurate invoices and creditor information. The credit bureaus should not be allowed to post bad debt in the name of original creditors that do not exist. Accuracy matters, and " close enough '' is not, nor should it be the standard for such important matters.
02/25/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93535	Web
Recently, I discovered the debt which was placed on my credit report of a XXXX debt that it was my understanding was paid by the XXXX insurance. I never received any correspondence to this debt prior to it being placed on my credit report. On Thursday, XX/XX/XXXX, I contacted the office of M. Leonard ad Associates regarding this matter. The XXXX XXXX, XXXX claimed that documentation was sent out of which I never received and that they provide 30 days for a response before adding to credit report. When I asked if there was a supervisor, I could speak with she stated her only supervisor would be the owner, XXXX XXXX, of which would not speak with me in regard to this matter. However, I believe to deny my right to respond by not providing validation of the medical bill or that t was even in default due to the insurance not covering the cost is an unfair process. More specifically when no notification was received, and no record of documentation being sent has been provided or proven. Due to this current state of our economic system, unfortunately I am unable to pay on a medical bill of which M Leonard and Associates have attached on fees and interest which may be a direct violation of the consumer fair credit act. In order to recover payment that was covered by my insurance at the time of the accident in XXXX.
05/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91302	Web
XX/XX/XXXX I took my daughter to XXXX XXXX XXXX ( XXXX medical ). XX/XX/XXXX We reached {$3500.00}, out of pocket maximum because she was hospitalized later. I don't need to pay anything including copay after we reached out of pocket maximum with my insurance policy. XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX medical ) billed me {$50.00} for copay. I contacted them and they told me we don't have to pay for the bill after they got the proof of document that said my responsibility is XXXX ( from insurance company ). XX/XX/XXXX collection company sent me a bill ( XXXX lied when I called them before, and they sent the bill to the collection instead after I contact them ) I called to XXXX again, they said they will take it off from the collection. XX/XX/XXXX collection company sent me a bill again ( XXXX agent lied again, and they did nothing with the collection ). XXXX XXXX XXXX ( XXXX medical ) is trying to get {$50.00} from me even though they got the document that said my responsibility is XXXX, they lied every time I called them, also she visit the urgent care when she was XXXX, and they sent {$50.00} bill to collection with my daughter name. What they do is just pushing me to pay {$50.00} even though they knew that it is not my debt.
08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91367	Web
I had gone to XXXX XXXX XXXX for XXXX testing on XX/XX/XXXX. They billed my insurance and I have proof of my XXXX I received a letter recently from a debt collector called M. LEONARD & ASSOCIATES with a date of XX/XX/XXXX. However I received this mail about a month ago which was XXXX of XXXX. On the letter says they are collecting {$240.00} plus XXXX on behalf of XXXX XXXX XXXX. On my XXXX says XXXX XXXX has paid for the test and patient responsibility is {$0.00}. When I called M. LEONARD & ASSOCIATES, XXXX XXXX XXXX claims that XXXX had reached me through my email to authorize a charge which I did not respond. Also claimed that I had put an ( XXXX ) number, and demanded that I pay XXXX XXXXXXXX I have no record in my email that exer tried to reach me to authorize any amounts to pay. I have logged into my XXXX account and reviewed my chart, and the phone number is correct. I do not understand when I was financially responsible to pay the given amount. The covid testing was already paid for through my health insurance. XXXX never reached out for any authorization. I have proof through my insurance. M. LEONARD & ASSOCIATES has negatively impacted my credit report. It is creating an impact on my credibility.
11/17/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91352	Web
Trying to fix my credit history I stumbled upon M Leonard and Associates on my credit history for {$360.00}. I contacted them today XX/XX/XXXX regarding the debt collection I had no idea about, asking for more information about the debt. They told me all they could tell me is that its from XXXX XXXX XXXX and that it was for services rendered XXXX and XXXX of XXXX. I got off the phone with them and proceeded to call XXXX XXXX group. They let me know that I do not owe them any money according to their numerous records kept, and that I should contact M Leonard and Associates again and ask for the specific Dr/Clinic Requesting the debt collection. I called them back and they proceeded to tell me they couldnt give me any further information and that XXXX XXXX XXXX uses XXXX for their customers to look up all of their Dr visits. I called XXXX they helped me make an account and i was able to see that there was no visits on XXXX or XXXX of XXXX for me or my dependant. M Leonard and associates is breaking the law reporting this debt not owe and not providing me with any information to justify it being on my credit history,
03/13/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 935XX	Web
A medical bill was outstanding in which my health insurance covered services for. XXXX issued an appeal instructing the billing medical facility to re submit the claim but they did not receive it and placed the account in collections. The collection agency refused to acknowledge the dispute and demanded payment on two different phone conversations. Their written correspondence in this matter is incredibly insulting and discriminating by asking me to contact a rep named " XXXX XXXX ''. To me this is a business matter and insinuating I am scandalous and avoiding my personal business is highly unprofessional. Furthermore I have no idea if they have actually disputed the debt. I have contacted the insurer and original facility billing us and XXXX agreed to process the claim and issue payment. I have a valid dispute and the collection agency did not process it correctly nor communicate acknowledgement or a professional process for the dispute.
10/19/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90044	Web
This company has never responded to the original complaint submitted on XX/XX/XXXX via CFPB website. This is my second complaint. This company is in violation of the FDCPA ( Fair Debt Collection Practices Act ). I've asked this company to provide the following via and enclosed " Credit Disclosure Statement '' : Amount of debt purported to be owed Date debt was charged off Was the debt ASSIGNED or PURCHASED from a previous creditor To state the amount of money paid for the ASSIGNMENT or PURCHASE of said debt I have revoked their power of attorney and I do not give them permission to do business as a third party in my commercial affairs yet they keep committing this FRAUDULENT ACT. They continue to be in violation of the FDCPA ( Fair Debt Collection Practices Act ) by not providing their verified proof of claim via the " Credit Disclosure Statement '' They have yet to substantiate their claim.
02/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91331	Web
I have paid the debt of XXXX to M Leonard and assoc. about 4 months ago. I have spoken to a XXXX XXXX at the company whom has been no help. according to her my paid debt can not be removed because she says I made an arrangement and did not keep it. I did call back to pay the debt in full and made the payment. They were very nice taking the payment and had mentioned it will fall off my credit report as paid. I assumed that was to be removed. Now because of this still showing on my credit report as a paid collection I can not live the American dream and purchase a home for myself and 3 kids. I have attempted and pleaded with this company to have this removed and they will not and in turn are always snarky and rude. I have called XXXX XXXX group which is the original creditor and they wish they can hekp but since it has been sent to leonard and assoc they are unable to assist.
09/04/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91423	Web
Hello, Im contacting you about the company M. Leonard & Associates XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. They are inaccurately reporting information to the credit bureaus. They are continuously and unlawfully re-aging this account and adding unrealistic fees that is showing up on my credit report. This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters. It is illegal for debt collectors to re-age credit accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.
09/19/2020	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97219	Web
I provided detailed information to this company that i had overpaid XXXX XXXX XXXX XXXX in full, and was due a refund that i disputed XXXX XXXX. XXXX provided the credit. XXXX sent to collections to XXXX XXXX that i provided with all the documentation. At which point they said they would go back to XXXX to obtain proof of the amount due in the first place. Which was never provided. I don't know what legal action i can take, but will be suing them if they damage my credit, which i received a letter that they threatened to do. I have proof i owe nothing to them, already paid to XXXX all amounts due. This damaging and i would like XXXX XXXX held responsible for unfair debt collection practices as they have no proof that i owe any amounts.
09/12/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92203	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.
12/23/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75208	Web
The collection agency has entered a collection account on my credit report for a debt that is not mine. I have informed them this is not my account and they have not provided any written documentation to show this account belongs to me. When asked about how the account belonged to me, they responded that my XXXX XXXX was used to pay the bill, therefore the account belongs to me ( I have confirmed that XXXX XXXX has no records of this " supposed '' charge ). I sent a written dispute to XXXX on XXXX/XXXX/XXXX which still has not been reviewed or responded to as of XXXX/XXXX/XXXX Amount {$640.00} ( Original amount {$540.00} ) Collection Company is : XXXX XXXX XXXX XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # XXXX
02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27704	Web
M. Leonard and Associates are trying to collect a debt that my ex-wife put me down as a responsible party in XXXX. I have been divorced from her since XX/XX/XXXX, Fourth Judicial District of XXXX, Montana XXXX File Number XXXX. The courts phone number is ( XXXX ) XXXX. I was not responsible for any of her debts after the divorce, nor have I been notified by this collection agency. The only reason I found it, is that M. Leonard has reported the debt to my credit reports without my knowledge. She is committing fraud, and identity theft. Please remove this from my credit reports immediately. Should you need a copy of the divorce decree, please let me know, or the court can supply a copy with the information above.
08/24/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 349XX	Web	Older American
This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. This matter needs further investigating. Please advise a.s.a.p. as to what is being done. I have already put in a dispute and have not heard anything as of yet on this matter. Sincerely, XXXX XXXX XXXX
08/07/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OR 97219	Web
I disputed an overcharge by XXXX XXXX XXXX with my credit card company, XXXX XXXX. XXXX XXXX refunded me the amount due from XXXX for the deposit i made. XXXX never provided a refund of the remainder of initial deposit, and then sent that balance my credit card company refunded to collections. Not okay. I have repeatedly called M. Leonard and Associates. They say the person i need to speak to is unavailable, at lunch, on vacation. It is absurd. I want to report them for unfair debt collection practices as they will not accept my dispute of the validity of the debt. I have also left several messages for XXXX, and emails, receiving no call backs or email replies.
09/08/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 930XX	Web	Servicemember
When I was applying for a home loan it was brought to my attention that I had a new collection in the amount of {$1000.00} - original creditor was XXXX XXXX XXXX. I had not received any information from XXXX XXXX in regards to a balance owed. I also did not receive any notice from M Leonard & Associates. I contacted XXXX XXXX and they agreed to remove the account from collection upon payment of {$500.00} which I will be paying today. They also told me that I would need to contact the Collection company at XXXX which is the number my Loan Officer provided me from the credit report. I tried calling several times and the number rings busy or out of service.
11/15/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07740	Web
The real reason for this complaint is because the debt collection company 'M Leonard & Associates ' is operating illegally in trying to collect on a debt in New Jersey. Though it is not necessary to have a license in the State of New Jersey to collect, paying a {$5000.00} surety bond is mandatory by all collection agencies operating outside of the state to collect within the state. N.J. Stat. XXXX. XXXX ( XXXX, XXXX through XXXX, c. XXXX ). I have verifiable proof that this company has not paid the surety bond & can not legally collect on this debt. I've already contacted the company via email only to be ignored twice.
09/27/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91350	Web
M. Leonard and Associates attempts to charge interest on medical debts that they are legally not allowed to charge interest on per federal law stating that debt collectors can not charge interest that is not in the original contract. I have a medical bill with them in the amount of {$210.00} that I now supposedly owe {$270.00} on due to fraudulent interest charges. When I stated this and told them that I was not going to pay it at that time, they simply said, " Well it's already on your credit report. Have a nice day. '' and hung up. I can only imagine how many people have unfortunately been scammed by this company.
08/10/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI XXXXX	Web
I was recently made aware of an account that was placed in collections. This was my first time hearing of this debt and there was no validation made. I requested documents proof and that the item be deleted from my record whilst being investigated. On the document that was submitted, it indicates that I had primary insurance and so I am not sure why I am being billed by the hospital. Much more, I do n't recall being at XXXX XXXX since I have not lived in XXXX XXXX in close to a decade. Pursuant to the debt collecting act, validation of the debt should have been carried out prior to listing this account.
06/08/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web
Hello- I have this old closed account on my credit from XX/XX/2017 over XXXX + years .... M.Leonard and ASSOC. keeps updating the amount by a few dollars and reporting to my credit every month .I have sent a validation letter to them, and they have not provided any information and it has been over 30 days. How is that even allowed? Only noticed this was on my credit report and have not rcvd anything from M.Leonard and ASSOC. This account needs to be removed from my all credit reports as it closed but keeps reporting a balance increase.. Please help me get this collection agent removed Thanks!
03/07/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95628	Web
I received a letter from XXXX. XXXX XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.
06/21/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91311	Web
Please review my Inquire # XXXX I filed it with the CFPB on XX/XX/2021. On XX/XX/2021 I received an automatic email from the CFPB stating the Debt Collector has not responded to my inquire, this last XX/XX/2021 I received another collection letter from them, It clearly shows this Debt Collector doesn't have any interest to respond my DEBT VALIDATION LETTER I submitted along with the previous inquire. Im attaching the collection letter received from this debt collector LEONARD & ASSOCIATES demanding now {$170.00}. I'm attaching the letter received.
01/09/2020	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94509	Web
A few months ago I discovered an account on my credit from XXXX XXXX XXXX. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. They removed the account but apparently they sold the account to a company called M Leonard Associates whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.
09/26/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92551	Web
I was in a car accident. The atty that was representing me promised to pay all of my medical expenses regardless of the outcome of the lawsuit. Atty office instructed me to go to their medical doctors for the pending lawsuit. The atty office refused to pay the medical debt, and the medical office has illegally put this account on my credit report. If I would have known I would be responsible for the debt I would not have went to their medical office and went to a medical office that accepted my medical insurance.
04/08/2019	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 95124	Web
My account was sent to collections although it was paid on time. my provider had retired and cashed the check in his personal account and there was a mix up with my bill. after showing proof that the amount had been paid in full they refused to cooperate, ordering me to send repeated proof without responding to me. months after the start of this, a negative mark was put on my credit and after multiple phone calls to correct this issue, XXXX responded in the worst, rudest, most unprofessional manner.
09/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77047	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... ''
07/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94002	Web
This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
08/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 337XX	Web
There is an account being reported on my XXXX credit report that is not mine..I have repeatedly tried to have it removed..but Leonard and Associates refuses to budge..I have a police report to back up the fact that I am a victim of identity fraud..Not only are they reporting a closed account that is not mine they are also placing phone calls to me even though I am on the national do not call list. I am being harassed for a debt that has no connection to me.
05/14/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91311	Web
I received 2 debt collection letters from LEONARD & ASSOCIATES demanding payment for a total of {$160.00}. I did go to XXXX XXXX in 2 of its locations One is to get information and in another occasion I received an Attention by a Nurse not by a License Doctor, I fully dispute the amount this Debt Collector states in their 2 debt collection letters. I'm attaching a Dispute Letter to get the proper response from the Original Creditor as Well.
02/08/2021	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 915XX	Web
Good time of the day! I got an alert that my debt went into collections. I do not recognize the original creditor, I never received any bills. My credit score immediately dropped 86 points due to collection. The original creditor is XXXXXXXX XXXX XXXX XXXX The collection agency is M LEONARD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX This seems like an identity fraud to me. Thank you, XXXX XXXX
05/23/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91367	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I called to explain that this debt was not mine. Not only was I never contacted about the debt beforehand, but I had medical insurance through my employer and my doctor 's visit was covered 100 % during the time of the " original '' debt. The rep was very nasty and ended up disconnecting the call while I was attempting to explain the information.
01/08/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91401	Web
A collection agency called M. Leonard & Associates is wrongfully listing a collection account on my XXXX credit report. I disputed the account on XX/XX/XXXX with XXXX, and on XX/XX/XXXX, I received an email stating that the collection account was updated but not removed. I'm in the process of sending a debt validation letter to M. Leonard & Associates, with copies sent to XXXX and the CFPB.
09/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
XXXX XXXX XXXX has been trying to collect a debt that does not belong to me..the account was closed and once I started disputing it XXXX XXXX XXXX illegally re-aged the debt.It went from being closed and nearly falling off to being reopened and the fall off date is way past the original date..they have not been able to supply me with the original contract and are taking advantage of me..
02/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91387	Web
I submitted a dispute yesterday at XXXX PST on the collection agencies website, got a call today 3 times from a bill collector who was harrassing me and said he had no data on his side showing that I disputed the validity of this medical bill ( this should have been paid by my PPO United Healthcare in subrogation ). The collector 's name was XXXX and his extension is XXXX
03/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91607	Web
This company is fraudulently reporting an account on my credit, on behalf of " XXXX XXXX '' however, XXXX XXXX states that they do NOT have an account in collections nor did they even give this company permission to report my information as being in collections. This company company is running scam and reporting incorrect and fraudulent information on my credit report.
06/08/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91360	Web
Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!
09/30/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90278	Web
M LEONARD & ASSOCIATES is still reporting on my reports. This accounts was paid & the company agreed to remove it from my report as part of the payment. They continue to report the account after I 've disputed it with the bureaus. It 's damaging my credit & causing me emotional & financial stress. I would like this account removed at once!!!!
01/20/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91001	Web
This is an old insurance deductible amount which was already paid. XXXX XXXX sold to three different collection agencies. XXXX XXXX XXXX, XXXX XXXX XXXX and now M Leonard & Associates. Under CCPA i will file a complaint for XXXX XXXX for sharing my private information while their debt has already been settled.
10/13/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90036	Web
I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.
03/26/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33155	Web
I am receiving derogatory marks on my credit score from a account in collections from a company I do not owe for {$250.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.
04/03/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91326	Web
M LEONARD & ASSOCIATES called me and told me that if I pay the the amount I owe they will delete it from my account but after taking that they did n't delete it. When I called them back they asked me to pay {$45.00} more so since I want to get it deleted I paid {$45.00} more
06/22/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91606	Web
Original Debtor was medical, with Dr. XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
10/07/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91335	Web
Please see attached letter from M Leonard And Associates. It seems that they have confirmed their closure of their file and have not requested that this item be removed from XXXX. Looks like a possible error.
07/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.
08/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 240XX	Web
They reported inaccurate information on my credit report.
06/28/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91342	Phone

12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web

12/04/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91406	Web

07/02/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90292	Web

04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91601	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91911	Web

03/23/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91342	Referral

09/27/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90731	Web

09/16/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29212	Web

08/23/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44260	Web

04/14/2021	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	CA 93001	Web

03/13/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91342	Web

02/08/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93277	Phone

01/17/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91387	Web

08/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web

07/02/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Older American

06/19/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93543	Phone

05/11/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90024	Web

03/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91362	Web

09/09/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90044	Web

08/19/2019	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77583	Web	Servicemember

06/10/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92345	Web

06/01/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90034	Web

05/08/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30040	Web

09/12/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91335	Web

11/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91342	Referral

02/23/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91335	Web

02/14/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93065	Web

07/29/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91789	Fax

05/09/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91604	Fax

04/25/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91604	Fax

02/03/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08753	Postal mail

08/13/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91411	Web

07/24/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KY 40511	Referral

06/08/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93021	Web

03/06/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 90004	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 81411	Web

03/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93560	Web

02/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91301	Web

02/05/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 91304	Web

01/26/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 93063	Web	Servicemember

01/22/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 92114	Web

10/03/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95301	Phone

09/26/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22315	Web

08/20/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90278	Web

07/24/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90278	Web

07/16/2014	No	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	CA 33914	Web

07/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91367	Web

07/09/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91367	Web

06/16/2014	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90278	Web