DRS Financial LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08332	Web
I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.
02/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 346XX	Web
What is this complaint about? This complaint is regarding Capital Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX refusing to validate a debt associated with my name. What type of problem are you having? Capital Collection Services has refused 2 requests to validate a debt associated with my name. I suspect this is associated with a balance of {$170.00} the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Florida states I owe them. I personally went into their office in XX/XX/2019 to personally discuss and challenge this with the XXXX XXXX, the principal owner. She and her billing associate stated they would investigate these charges with my insurance company, seeing as I had already paid over {$2000.00} if fees for services along with the {$300.00} paid by my insurance company. XXXX XXXX said they would follow up with me. I received NO communication from them since. The only communication I have received is from Capital Collection services who is totally ignoring my request to validate this debt. I challenged this debt with Capital Services along with XXXX XXXX XXXX and they have yet been able provide support documentation to validate this debt. I still formally challenge this debt and request validation. I do not owe this debt. What happened? Instead of honoring my request to validate the debt in question, they reported a negative tradelines against me to the credit bureaus. What company is this complaint about? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Who are the people involved? My self Credit Collection Services XXXX XXXX XXXX XXXX
11/05/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34286	Web
Since XX/XX/XXXX I have been receiving bills from XXXX XXXX XXXX XXXX XXXX. After several attempts to pay with an XXXX they would deny the payment, so after a few months of this and trying to reach their billing department with no success, I started making payments. Then I started receiving 3 bills with the same account number for 3 entirely different amounts and none of those every reflected my payments. To this day I have paid over {$400.00} dollars that is not reflected on any of the bills. After 31 calls to the billing department to set up a payment schedule and to find out the discrepancies in the bill, I have never received a call back or spoke to anyone due to the billing office does not answer, you have to leave a message. On 4 separate occasions I called the appointment desk and asked for help since I was not getting to speak to anyone. The person that answered stated they couldnt help me but they would send an email to a lady named XXXX that was the head of billing and she would call me, still has not happened! On approximately XX/XX/XXXX I received a bill from Capital Collection agency for this company in the amount of {$690.00} when the original bill was for {$670.00}. First of all the lady that spoke to me from their front desk acknowledged the payments that we received but those were never noted on the bills. I have worked diligently to fix my credit after a divorce from years ago, now doing the right thing I still get sent to collections because no one at their billing department will talk to you! Where did my payments go to?
01/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 088XX	Web
I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. I then began looking into the company and found this site XXXX XXXX XXXX XXXX They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.
03/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21042	Web
Collection Agency Abuse of Powers. Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. Sincerely, XXXX
12/18/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OH 444XX	Web	Older American
yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.
07/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33713	Web
Account was opened on XX/XX/XXXX with a collection amount listed as {$790.00} and past due as of XX/XX/XXXX. The balance was paid off by a county program that helps chronic illness sufferers who are destitute and can not afford medical bills. They do not provide payment proof as this is meant to be sent by the medical office in question. There was no such proof sent. Notifications to collection company of paid account have been ignored. Furthermore said collection company in question, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. NJ XXXX with headquarters at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX otherwise known as DRS Financial LLC is NOT licensed to collect debts in the state of Florida as per the Florida Office of Financial Regulation.
04/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29445	Web
On XX/XX/XXXX I received an alert from XXXX that my credit score dropped and it was because I owed Capital Collections Services {$410.00} from an account with XXXX XXXX. I had already paid XXXX XXXX directly. XXXX was to notify Capital as we discussed. I disputed this on XX/XX/XXXX with XXXX. The response to my dispute was received on XX/XX/XXXX, Capital reported that the information was accurate that I owed them {$410.00} and was still unpaid, they also change the date of when the charge was placed on my credit report to XXXX back dating it, for which I have evidence they have done this with emails, and screenshots from XXXX. They have committed fraud. I will be contacting an attorney if this is not resolved, removed from my credit report.
04/11/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19007	Web	Older American
In Dispute with XXXX XXXX Hospital They have ignored my written complaints without response. Placed my account for collection with Capital Collections, XXXX XXXX NJ XXXX I have notified Capital Collections with two written notifications that this account is in dispute with XXXX XXXX Hospital. They have now ignored those letters of dispute and have begun repeatedly calling via telephone. I continue to hold this account in dispute and am pursuing actions with XXXX XXXX Hospital to resolve. I am of the understanding that providing written notification of dispute that the agency is to acknowledge the dispute and reframe from further harrasment pending resolution.
04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19063	Web
An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.
02/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08859	Web
I never received written notice about this debt. Once it appeared on my credit report I have disputed it since I have never had an account with the collection company or the original creditor. The collection company continues to verify this is accurate information. I have tried mailing certified mail to the collection company in which it keeps being returned. I have all my certified mail receipts. Upon calling today the woman informed me that THEY DO NOT OWN THE DEBT! So please explain why they are reporting a debt they do not own on my credit report. This needs to be removed from my report immediately or further action will be taken.
04/29/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	NJ 08021	Web
i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..
09/29/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 19143	Web	Older American
On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.
03/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08859	Web
Im requesting information on the ORIGINAL COMPANY or whoever the debt collection company is working on behalf of so I can get more information about this debt. After calling they would only tell me the name alternative rental car which Ive never used. CFPB can not find them in their database either and has forwarded my complaint to them to the FTC. I tried to settle a debt that I do not know about because its hurting me credit wise.
04/28/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	PA 190XX	Web
I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.
08/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35758	Web	Older American, Servicemember
Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.
11/18/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 125XX	Web
OnXX/XX/2020 at XXXX XXXX I received a robocall from Capital Collections. The robocall asked for me, said if it was not me I should hang up, then went on to say they were attempting to collect a debt. I received the call a So, bad practices and a TCPA violation from XXXX. violation.
02/24/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08081	Web
I am writing this due to non-compliance with the ( XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
04/05/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 19464	Web
They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
06/09/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19135	Web
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
12/21/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	OH 444XX	Web	Older American
yes the collection company did respond and they will accept lowere payment XXXX XXXX om medical bill..but i want it in writing on that amount first before i sewnd payment in too them
06/02/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08053	Web
XXXX mailed dispute certified mail to them and as of XX/XX/XXXX it was returned for being not deliverable.
10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08360	Web
I owed XXXX to XXXX XXXX XXXX Acct # XXXX I paid it off in 2 payments of XXXX XXXX
05/03/2021	Yes	Debt collection Payday loan debt	False statements or representation Told you not to respond to a lawsuit they filed against you	VA 22306	Web

02/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19154	Web

12/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78745	Web

12/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Fax

11/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08007	Fax

06/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08016	Web

05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07509	Web

03/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34695	Referral

02/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32976	Web

01/17/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 12816	Web	Servicemember

10/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19067	Web

03/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

02/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web

01/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08097	Web

07/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08618	Fax

06/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08021	Web

04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11552	Fax

07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08015	Web

10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19116	Referral

12/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08360	Web

08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33544	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01085	Web

07/31/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08904	Phone

07/25/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 08037	Web	Older American

06/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 19055	Web

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19055	Phone

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MT 59602	Web	Servicemember