Dyck-O'Neal, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/19/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MI 48331	Web
I have received collection actions, negative and erroneous credit reporting against me on a joint debt, formally held by my ex-husband as the primary and myself as the secondary party that is erroneously being reported. Additionally, not full or accurate accounting of the collection has been provided to me or reflected in the reporting to the credit bureau. Nor has proper identification of the original mortgage holder been reflected or the correct account status. This debt is a result of a foreclosure that was requested by my ex-husband. After I was approved for mortgage modification and completed the trial period payments to pay the obligation separately since he refused to meet his. Although, my ex initiated the foreclosure and is jointly obligated, he is not being pursued for the obligation due to his bankruptcy protection and XXXX refused to continue with a modification without his signature. The following details are being provided to support my reason for requesting assistance and for the CFPB to intercede. The property balance being collected on had a Sheriffs sale/foreclosure date of XX/XX/XXXX. The property was redeemed and sold XX/XX/XXXX in which the mortgage company received {$43000.00} in sale proceeds. The last statement received from the collection agency dated XX/XX/XXXX had the current foreclosed mortgage balance in the amount of {$120000.00} as of XX/XX/XXXX. ( Exhibit 1 ) The statement does not reflect the {$43000.00} the financial institution received in proceeds from the sale of the home. It also reflected over {$6700.00} in unapplied payments and included multiple fees for interest on escrow for payments in access of the escrow account. Had the unapplied payments been applied to the escrow account, no interest charges would have occurred. Additionally, as a second option, had these fees been applied to the mortgage interest, the mortgage balance would have also been lower. This appears to be a prime example of the mortgage company performing favorable accounting practices at the expense of the consumer. Lastly, there are over {$2000.00} in charges for preservation fees on an abandoned property that were charged erroneously reflected in the attached statement dated XX/XX/XXXX. This was after the preservation company admitted erroneous entry into the home. ( Exhibit 2 ) Additionally, attached is the first and last page of the property management agreement reflecting management since XXXX and the first and last page of the subsequent lease agreement enter into post entry in and upon the premises. These figures alone total over {$52000.00} in erroneously charged or misapplied funds and fees. After extending a loan modification ( Exhibit 4 ) and then stating they would not move forward with a modification without both signature, XXXX stated that foreclosure had been requested by the other party and they were basically honoring the other partys request. My exs bankruptcy protected him and leaves me obligated even after several attempts and success at getting modified terms to in which I could meet my obligations. Only to have the rug snatched out from under me. Lack of assistance then and lackluster efforts now continue to impact my life. In addition to the aforementioned, XXXX has done the following in no specific order. ( Exhibit 3 ) Started re-reporting their closed account with current payments in XXXX, XXXX and XXXX XXXX and then delinquent payments erroneously thereafter. This is appearing to my creditors that I am still missing mortgage payments and am 120 day or more past due. XXXX refuses to correct. It is also reflecting that a foreclosure when the property was redeemed out of foreclosure, that there has not been any activity since XXXX and that the last payment was XXXX of XXXX which is not inclusive of the {$6700.00} in unapplied payments still reflecting in XX/XX/XXXX. I attempted to hold myself accountable by getting a modified mortgage and doing everything in my power to meet my obligations. XXXX and Dyck O'Neal should have done everything in their power to get the reporting and accounting right. There has not been any efforts from either company to get things corrected and they snub their noses at my requests for assistance with something as simple as accuracy. This is my life. This collection and erroneous reporting is drastically affecting my ability to move on with this life and/or restart after a divorce and very bad time. The matter is only being exacerbated after making several, unsuccessfully, attempts to work out corrections on balances and reporting and some sort of mutual resolution and manageable payment terms that also doesnt set me up for failure or make matters worse. I seek assistance with moving on and past this chapter. They had years to get this right at my expense now its time to just get it removed.
06/12/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened to sue on too old debt	NM 87114	Web
XXXX I had XXXX to move from XXXX, XXXX to XXXX XXXX, XXXX. I moved entering into a buy out house program by the XXXX. The XXXX only offered $ XXXX on a house that I owed $ XXXX and was worth $ XXXX. I was short by $ XXXX. I was already living in XXXX XXXX when I found out about this shortage. XXXX advised I sign a promissary note for the $ XXXX for the bank would not right off the remaining balance even thou I was put in a short sale process to sell the home. I came to the closing with the the $ XXXX from XXXX and my promissory note showing paid off in full. Months later my credit was hit with a foreclosure attached to it. The XXXX per a BRAC law said they could not reimburse me the $ XXXX because I had not lived in the house 2 years. Upon being hired I was never told the base would be closing or I would have to move. Key information in deciding to build the new house we lived in. We were advised by a lawyer to file bankruptcy to get rid of the $ XXXX we owed Dyck O Neal. We did so. However XX/XX/XXXX the bankruptcy was dismissed. Judge told lawyer that a company or bank can not not double hit a individual. What he was saying is our credit was ruined with the foreclosure for 6 years and then on top of it we were being asked to pay $ XXXX for a house we no longer owned. The judge said this is not right. The judge could not fix my credit and I would be stuck with that for 6 years but advised the lawyer to send letter to Dyck o Neal that I am not responsible for payment of the $ XXXX. A request to cease collection efforts was sent to Dyck O Neal in XX/XX/XXXX. In XX/XX/XXXX we moved to XXXX, XXXX. XXXX XXXX we the foreclosure/short sale fell off our credit as well as bankruptcy information. However, every month over the last 6 years Dyck O Neal has banged my credit lowering it from an XXXX score to XXXX. This has hurt us over the last 6 years where we can not get a credit card, car or house. We went to banks in XX/XX/XXXX to purchase a house since the stuff dropped off our credit except the Dyck O Neal debt. Not one bank would give us a house loan even with back up from our lawyer saying we are not responsible for the debt. All banks mentioned that the removal of this debt from our credit report was crucial. We have tried multiple different methods with no results. In XX/XX/XXXX Dyck O neal claims they matured the loan to the full amount owed but mis-represent this on our credit report. We have disputed this and it has not been corrected. Per the statue of limitations Dyck O Neal can no longer attempt to collect on this debt. This has done significant damage to our credit for 6 years by them misrepresenting a foreclosure on our credit report for the 6 years and also attempting to collect up and beyond that. They misrepresented that we came to the closing of the loan on our home with all intention of showing a full payment so we would not have to short sale a home and have bad credit. They not only damaged our credit but want to collect per the promissory note after doing such damage and was not supported by a judge for their actions. They continue the threat to sue but the statue of limitations has exceeded the time they can do so. We would like to resolve this issue in any way possible has it has done great damage to our family for over 6 years and continues to be a problem.
08/10/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	FL 337XX	Web
I had a mortgage foreclosure by XXXX XXXX on XXXX XXXX, XXXX, with a XXXX XXXX, XXXX auction date. Fannie Mae insured the note and paid XXXX XXXX. On XXXX XXXX, XXXX, I received a letter from Dyck-O'Neal Inc. ( DONI ) ) stating the note has been assigned to DONI by XXXX DEFICIENCIES. The letter stated no collection efforts will occur on this account for the next 30 days. The next day, XXXX XXXX, XXXX, they filed a lawsuit for {$61000.00}. On XXXX XXXX, XXXX, I received a summons on this matter with twenty days to respond or be in default. I quickly researched the statute of Limitations ( SOL ). I found out the SOL was five years and therefore the lawsuit was beyond the SOL and did n't apply and I responded to the court as such. In XX/XX/XXXX, The state of Florida changed the SOL to one year. However, all of the old foreclosures within the five years, the Collectors had until XXXX XXXX, XXXX to file lawsuits. Hence DONI filed about XXXX lawsuits in Florida. I still thought I was outside the SOL as the foreclosure took place on XXXX XXXX, XXXX with an auction date for sale on the property set for XXXX XXXX, XXXX. When I looked up the court records I found out the sale was postponed until XXXX XXXX, XXXX, which now put me inside the SOL, hence the lawsuitI researched THE FAIR DEBT CONSUMER PROTECTION ACT ( FDCPA ) and other legal and non legal documents. In the FDCPA I noted many violations. Some of which are Section 809 ( validation of debt ) ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ), ( a ) ( 5 ) and ( b ). Section 813 ( Civil Liability ), ( a ) ( 1 ) and ( a ) ( 2 ) ( A ). ( Copies of these statutes are uploaded as attachments ) In The Florida Rules of Civil Procedure ( Rule 1.070 Process ) Item ( j ) states : If the service of the initial pleading is not made upon the defendant within 120 days, the court on its own initiative or upon motion to dismiss the action ... .... In this case the plaintiff was not in compliance. Instead, they returned the summons on the 120th day, XXXX XXXX, XXXX to the court. On XXXX XXXX, XXXX, the plaintiff got a new summons from the court which was served on XXXX XXXX, XXXX. It should be noted the defendant has resided at the same address since XXXX XXXX. DONI has an appraisal on the foreclosed property in an amount of {$210000.00} dated XXXX/XXXX/XXXX. The defendant has an appraisal of {$280000.00} dated XXXX/XXXX/XXXX, prepared by the same appraiser used by XXXX XXXX in order to approve the note. The balance of the note up to Final Judgment of Foreclosure was {$250000.00} plus interest of {$15000.00} and late fees of {$230.00} which equals a total of {$270000.00}, which results in the DONI receiving a value of {$11000.00} in excess of what the defendant owed. In as much as XXXX received property at a value greater than what the defendant owed that amount should be paid to the defendant. On XXXX XXXX, XXXX, the plaintiff reported to the Credit Bureaus ' an Account in Collection in the amount of {$61000.00}. The defendant 's credit score dropped from XXXX ( very good ) to about XXXX ( bad ). This has had a deleterious effect on the defendant in gaining employment, her voluntary community service, difficulty in finding housing and obtaining credit
06/05/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77406	Web	Older American
In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. I will furnish you with necessary documents if you provide me the method ( s ) to.
10/12/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21158	Web
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
07/05/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 217XX	Web
This letter is to initiate a complaint against Dyke ONeal collection agency, located in XXXX, Texas ( please see attachment provided ). At an earlier time, I was forced into a short sale of a property I had owned due to vandalism. The mortgage holder required that a {$5000.00} promissory note, with payments of {$42.00} per month. This note was subsequently turned over the Dyck ONeal for servicing. Dyke ONeal sent me monthly billings on a regular basis until the middle of last year ( XX/XX/XXXX ). For five months, I received no billing statements - and therefore no payments were made on the note. In XX/XX/XXXX, a representative of Dyke ONeal contacted me by telephone and informed that the note was in arrears. I promptly brought the note current. Later, Dyke ONeal placed a derogatory note on my credit report, stating that I had missed five payments. I phoned the company to request that the derogatory information be removed, as I had not paid because I had received no billing statements. The company refused to do this, citing that they sent out billings as a courtesy only, and hung up the phone on me when I complained. I would like to request that action be taken to compel the removal of this information from my credit report. I have excellent credit otherwise, and what they have added is very damaging. In addition, the short sale was originally mis-reported on the credit report as a foreclosure, when this was not the case. This issue was already referred to the Maryland Division of Financial Regulation, but they were unable to have the derogatory information removed. Further, XXXX XXXX, XXXX at Dyck-O'Neal made several untruthful statements to that agency during the course of their investigation. As a result of this situation, I am looking at payments on a used car of nearly {$100.00} more PER MONTH due to the fact that my credit score dropped approximately 115 points. This is a material adverse financial impact. What rights do I have as a consumer regarding credit reporting agencies? There would seem to be no accountability for the veracity of their information, despite its impact on peoples lives. I may be reached by telephone on XXXX should you wish to discuss this matter further. Please note that if you call and receive an unusual response, you have probably reached my robocall app. I will call you back. Thank you in advance for your assistance.
11/23/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NH 03079	Web
In XX/XX/XXXX, my ex-husband, XXXX XXXX XXXX, XXXX and I signed a 10 year promissory note which was due to be paid in full in XX/XX/XXXX/XX/XX/XXXX due to the short-sale of the marital home. We had been legally divorced for 6 months, living in separate homes/addresses, and separate bank accounts. For the first 3 years of this repayment period, Dyck O'Neal only sent bills to XXXX. Repeated calls to Dyck O'Neal were unsuccessful. I was always told that it is there policy to only send the bill to the first person on the account. For three years I wrote, " Please send me a copy of this bill so I can pay on time. '' Once they began doing that, I received monthly bills and payments were sent consistently. XXXX consistently paid $ XXXX/month over almost 8 years. My amounts were varialbe over the years, sometimes minimal, sometimes extra. In XX/XX/XXXX, XXXX has a small XXXX as the result of XXXX XXXX XXXX for 2 1/2 years and was at the VA Hospital in XXXX XXXX XXXX, VT. I was not notified of this by my former step-children until my repeated phone calls to him to check on his well-being. I spoke to XXXX, via phone, and told him that I would send the entire monthly amount and he said that he would pay the balance of the loan. On XX/XX/XXXX, XXXX passed away due to his XXXX XXXX XXXX XXXX. I never received another bill from Dyck O'Neal and assumed that XXXX had followed through and paid of the loan. I was notified by XXXX XXXX that my score had gone down and a past 30 day payment was reported. I have filed a complaint with the credit bureaus on three separate occassions and won each time. Dyck O'Neal negative reporting was removed, but they keep putting it back on my account. If I'm late 30-60 days, please explain to me how we've paid this debt off 2 YEARS early. I've called Dyck O'Neal customer service again and warned the rep that if they reported the account as late again that I would be filing a formal complaint. Please help fix this for good. They still have not fixed their policy of only notifying the first person on the account despite knowing that we were divorced and living separately before even signing this promissory note. At this point, my credit has been repeatedly and negatively impacted over the years. Thank you, XXXX XXXX ( formerly XXXX )
03/08/2016	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	NY 11566	Web
The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.
11/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91352	Web	Older American
XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.
05/03/2023	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77379	Web
I have been sued for a time-barred debt from XXXX. Most importantly I do not believe I owe this debt. Plaintiff is providing minimal information for Servicer Chain of Custody for the last Servicer from XXXX. Plaintiff can not or will not provide any Servicer Chain of Custody records for the Servicers prior to XXXX. None of the Servicer paperwork references the loan number for the debt in question. I have not received information from " anyone '' since XXXX. Nor was I ever told there was payment due. Plaintiff never told me this was a time-barred debt which I believe he is required to do. Instead he replied to me in a letter stating that this debt is not affected by the Statute of Limitations. TAKEN FROM DEFENDANTS INITIAL DISCLOSURES. a ) Defendant does not believe the Promissory Note in this case is a valid debt owed to the Plaintiff. b ) Plaintiff is illegally suing Defendant for a Time-Barred Debt per Section 392.307 of Texas Finance Code, per Section 16.004 of Texas Civil Practice and Remedies Code, and Per Section 392.402 of Texas Finance Code. d ) Plaintiff either can not or will not provide the required proof that the Debt in this case is a valid debt by providing Defendant with Loan Servicer Transfer Chain of Custody documents going back to the loan ( Promissory Note ) originator being XXXX XXXX. Plaintiff has not provided Defendant any documents that references the XXXX XXXX XXXX XXXX Promissory Note MIN number, or Promissory Note Contract number proving that it is referencing the same Promissory Note being brought before this Court. e ) Defendant has not been contacted by " anyone '' by phone, email, certified mail, or by any other means of communication since discussing the debt with XXXX XXXX and being told " if money was owed after the sale of the Security Instrument ( home ) Defendant would receive a letter from XXXX XXXX within 21 Days ''. Since XXXX to XXXX there has been No contact of any kind, from anyone stating additional monies were due on Promissory Note in this case. This alone indicates that this is not a valid debt, as not one single Loan Servicer Requirement has been met.
06/27/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
08/17/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	ID 836XX	Web
My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you
12/17/2015	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	GA 30339	Web	Older American
First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. About 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? So, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. I am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. Please help me understand this.
07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92336	Web
According to CFPB 1006.34 Notice for validation of debts did not provide me with a proper validation of information required by law. For this account on my consumer credit report file. XXXX XXXX Account : # XXXX, XXXX. WHERE IS THE PROOF OF THIS INFORMATION? According to CFPB 1006.34 Notice for validation of debts ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). The Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. 1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule :
12/16/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	PA 184XX	Web
my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. )
03/30/2021	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 Investigation took more than 30 days	ID 83686	Web
I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. The dispute report is stating that the information was updated and that is it. Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. This needs to be removed from my report based on FCRA. This account has been disputed and removed off of all other agencies except for this one. The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
12/08/2020	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	TX 76006	Web
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX and XXXX to investigate the Dyke O'Neal account, which is reporting inaccurately on my credit report because I have NEVER done any business with Dyke O'Neal & they are reporting this account as if they are the original creditor when they are NOT. I sent a communication to Dyke O ' Neal, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) Dyke O'Neal is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. I have attached a copy of how this account is reporting to my XXXX and XXXX report, and if XXXX and XXXX were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. Also, if you take a further look, Dyke O ' Neal is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on XXXX. Additionally, XXXX is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that Dyke O ' Neal is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.
02/06/2023	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34608	Web
XXXX XXXX : DYCK-ONEAL Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. XXXX XXXX did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. XXXX XXXX subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to DYCK-ONEAL. Because XXXX XXXX was barred from any further collection of deficiency the order would follow the chain of sales of account. DYCK-ONEAL has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with DYCK-ONEAL. DYCK-ONEAL has no rights of collection. DYCK-ONEAL provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. DYCK-ONEAL also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and DYCK-ONEAL on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to DYCK-ONEAL on XXXX case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX
07/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 08081	Web
I am writing to formally dispute the re-aging of a collection account on my credit report ( XXXXXXXX XXXX XXXX XXXX. The account in question is with Dyck O'Neal, and the account number is XXXX It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act ( FCRA ), also the debt is more than 7 years old. The account was opened on XX/XX/XXXX and the date of last activity is XX/XX/XXXX. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit. Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.
04/15/2016	Yes	Mortgage Other mortgage	Settlement process and costs	CO 80220	Web
I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan.
05/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 972XX	Web
To whom it may concern, This concerns Dyck O'Neal collection agency. In XXXX of 2015 I was told by phone that I was past due on an account. I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. On XXXX XXXX I made a {$250.00} payment online. The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. ( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.
02/09/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web
2 accounts showed up out of nowhere on my 3 credit reports from a company called Dyck O'Neal. Acct. # XXXX & Acct. # XXXX, claiming I have a contract agreement with them on a debt that is in another persons name. I wrote XXXX validation letters to the company requesting complete validation as defined by the FDCPA. in over 15 months of going back and forth trying to get validation from them unsuccessfully But they have been continuing to report to the three CRA that accounts are accurate without properly validation and investigation and telling the 3 bureau 's everything accurate and verified without submitting the Bureau 's any documentation also. Lastly they are mis representing there entity to the credit bureaus claiming to be a creditor of mines with terms and and contractual agreement with me when they are in fact a collection company and not reporting it as such to the Credit Bureau which is false reporting. They continually report on a monthly basis to the bureau 's as me being late for the last 15+ months but never validated or produce any documents stating as such or according to the way proper debt validation is define by Federal Law. When I try to get ahold of the company through the address on my credit reports I'm told by the U.S. Postal Service that the company doesn't even reside at the address that they are reported on my Credit Reports this Company is i violations of the FDCPA Section 809 ( b ) - continuing to pursue collection ativity on a unvalidated accounts after being informed Ac15 U.S.C. 1681s-2 - Falsely reporting information to the credit bureaus FCRA Section 623 - failure to notify Credit agency of the month/year of the date of thefirst delinquency
08/19/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	ID 836XX	Web
I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?
03/15/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 10314	Web
My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.
12/16/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	FL XXXXX	Web
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX
07/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34219	Web	Servicemember
I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.
08/16/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 756XX	Web
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.
01/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30339	Web
This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.
08/02/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MD 21158	Web
Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims. I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over 1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and the subsequent actions filed by DYCK using obvious fraud documents.
05/09/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 636XX	Web
this company kept telling us about the debt. we never knew about that till recently. they said they will acting getting money from us wihtout further notice? we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. i send them email with the information about relay service.. we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? XXXX supposed to be but they kept telling us we owed them XXXX? date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... please help us. im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. im afraid they take money away from us without our permission because we are XXXX
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 756XX	Web
I had previously tried to get Dyck O'Neal to correct their improper reporting on my credit reports. This last time they finally listed the original creditor which proves they are indeed a collections account. Yet they are not listed on my report as a collections account but rather as an open loan. So this makes my account look like I haven't made payments on a recent loan these past 120-149 days. The first deliquency was XX/XX/2016. This is basically termed, 'parking a debt ' to make it appear newer than it really is and is thus illegal. I have told them I am willing to pay the debt provided they furnish me a true validation that they own the debt ( not just them saying so and not a contract with the XXXX or bill, but a purchase agreement between them and the XXXX or a simple letter from the XXXX on XXXX company letterhead ) AND they correct the illegal parking tactic reporting they put in my report. Just correct what is wrong. That's it. No deleting, just accuracy. I even asked if I could disputed the inaccuracy and they just not reply, because they are wrong, but they declined stating they must accurately report to the agencies by law, though they are inaccurately doing so. I'm running out of available options and feel that the company 's tactics infringe on my rights.
12/04/2020	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	IL 60438	Web
Dear Dyck O'Neal, XXXX and, XXXX Thank you for sending me your internal records of the debt ( Dyck O'Neal ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND DYCK O'NEAL including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
11/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60438	Web
With SEVERAL INCONSISTENCIES ( shown below ) reported on XX/XX/XXXX and XXXX account how could this be accurate? Please delete immediately I have received documentation from Dyck Oneal but on the file that was sent to me has false information reported. 1. The address reported on the file i never resided at this location. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2. E-signature is invalid. Please provide a valid basis bearing Consumer wet-ink signature ; 3. The Bank information reported on this Authorization Form is incorrect. I never had a XXXX XXXX Account i am requested the information 1 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 2 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 3 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 4 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
12/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web
In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way
04/09/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21204	Web
On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.
08/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20735	Web
Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX has allowed this defamation. .
08/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
This company has failed to provide me with adequate information to assist me in investigating the alleged debt of {$360.00}. I have also reached out to the company and provided them with enough time to provide me with debt validation. They sent me a document that was seemingly manipulated ; consequently, I requested pages 1, 2, 4, 10 and 11 of what appears to be a Purchasing Power Agreement as evidenced by the attached letter and proof of delivery. I am eagerly awaiting proof that this alleged debt is mine and has not been paid. Failing which, I implore Dyck O'Neal, to undue all negative action that it has taken thus far. It is to be noted that this is not a duplicated complaint but this refusal to supply documentation to validate the alleged debt is contrary to the FDCPA. Furthermore, it appears that Dyck O'Neal has deliberately withheld material information relating to this case because pages 1, 2, 4, 10 and 11 were missing from the inadequate documentation they sent me through CFPB following my previous complaint ( s ).
05/09/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48235	Web	Older American
I have been a member of XXXX since XXXX. They are unable to locate any records regarding a mortgage that I supposedly received in XXXX. I never received that mortgage. I have only had one mortgage on a property ( located at XXXX XXXX, XXXX ), and that went into foreclosure in XX/XX/XXXX as a result of predatory lending practices that led to a class-action lawsuit and subsequent forgiveness of the mortgage ( proof attached ). The mortgage that I supposedly received in XXXX shows XXXX XXXX Mortgage as the mortgagor. Since the original mortgage was issued through XXXX, I would not have gone to another lender for yet another mortgage. In addition, all of this paperwork has exposed much of my personal information including, but not limited to, my account number at XXXX. This house was ultimately sold ( without my knowledge ) at a sheriff sale in XX/XX/XXXX. I received no notices regarding the sale, nor was a notice posted on the property. I only learned of the sale when I visited the Register of Deeds for a title search.
07/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63385	Web	Servicemember
On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.
08/21/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 33027	Web	Servicemember
On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.
04/10/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 33032	Web
The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
10/07/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MD 207XX	Web
For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!
05/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97520	Web	Older American
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
03/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33176	Web
in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.
08/18/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 20772	Web
I am writing because XXXX XXXX has foreclosed on my home using what I believe are fraudulent documentation. They submitted a Deed of Trust that is not even recorded in the county, it does not bare my signature. Once I pointed that out to the court they then went to the county and submitted my deed of trust that is recorded in the county. Please see their motion attached. They also are a debt collector claiming to be the secured party and foreclosed on a debt they claim is twelve years old. They foreclosed on a debt they claim defaulted in XXXX, which exceeded the statute of limitation. Even if they were the secured party ( which I believe they are not ) they are trained and should be familiar with the statue of limitation as they are registered debt collectors. This is why I believe they have committed theft over {$300000.00}. Just because a foreclosure has taken place does not mean it's a legal foreclosure and that no crime has been committed.
04/26/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77084	Web	Servicemember
I had an XX/XX/XXXX loan back in XXXX. I did a loan modification and the 20 % loan in the amount of $ XXXX went away around XXXX. In XXXX I tried to work with the debt collector Dyck-Oneal, Inc as this debt was very old and I no longer owed it. I had to sell my home in XXXX and they had a lien on my property for $ XXXX. They took my money from the sale of my home. How did it go from $ XXXX to XXXX. This left me in major financial bind. I called Dyck-Oneal crying and they didn't care. I wasn't able to complete the sale of my house until they got the money. This was a great rip off, it wasn't fair and I would like you all to look into this so I can get my money back. I am a XXXX XXXX and I did some research and found out that many of us were treated the same way, today the CFPB did a press release also talking about the same thing! My family and I were treated so unfairly and this was simply a money grab for them. Almost like a knife to my throat.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37160	Web	Servicemember
About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.
06/04/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	IL 601XX	Web
One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to XXXX in XXXX and was foreclosed on XX/XX/XXXX. XXXX XXXX has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. XXXX XXXX XXXX was not the lender at the time of foreclosure. Collection Agency Dyck Oneal, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.
01/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA XXXXX	Web	Older American
My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.
06/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web
To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call. Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. Thanks XXXX XXXX
06/08/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91766	Web
I was told by my 2nd mortgage company XXXX XXXX XXXX or XXXX XXXX that they sold my loan to Dycko'neal that my balance was XXXX that my first payment with them was going to be on XX/XX/2021 I tried to make a payment and call them. the woman that answer told me that she did not have any information on the account that it was new that they will send me a letter. the first letter they send was confirming the same amount XXXX but on XX/XX/XXXX they send me a letter saying that they made an error and that I owe them XXXX because of interest, how is this possible from one month to another I don't understand is this even legal not once they ask me if I was to pay the whole balance of XXXX and they never told me what interest they were going to charge if I did not pay the whole XXXX with my prior XXXX XXXXXXXX XXXX I was paying XXXX a month no interest afterI modified my first mortgage with XXXX XXXX XXXX XXXX XXXX
10/15/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
05/13/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32940	Web	Older American
In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by XXXX?
04/25/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38301	Web	Servicemember
XX/XX/2018 After paying {$110.00} on oringal loan & the principal of {$14.00}, XXXX for 18 years, XXXX sold to XXXX XXXX, then sold to XXXX XXXX XXXXXXXX, which doubled the mortgage from {$6000.00} to {$12000.00} & refused payment of {$110.00}, I filed Ch.XXXX Bankruptcy & notified them on XX/XX/2018 about Chapter XXXX bankruptcy. XXXX, refused payment of {$110.00}, called the loan, doubled the owed mortgage of {$6000.00} to {$12000.00} t & sold the BKXXXX mortgage to XXXX XXXX XXXX, Debt collections. XXXX XXXX XXXX KNOWS about the BKXXXX, which is in writing in 2 different letters. In addition, they know, I have satisfied the criteria & been discharged from BKXXXX in XX/XX/2018, which is also known & can be verified in the 2 different letters they have sent. However, the debt collection company continues to call me every Friday, without any regards to the Federal Bankruptcy Laws.
04/23/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78242	Web
My complaint is on Dyck-O-'Neal Inc. This company is a private debt collector who is suing me on a Time-Barred debt ( promissory note ) for XXXX ( original debt was XXXX ). XXXX XXXX XXXX XXXX aka XXXX XXXX owned property : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ON XX/XX/XXXX by Civil Suit case number XXXX 150th court room. I should not be held legally or responsible for a Time-barred debt on a promissory note from XXXX which XXXX XXXX was the original Holder payments was made to XXXX mortgage company ( XXXX recession ). I never had a legal bonding contract with Dyck-O-'Neal or agree to pay on a Time-Barred debt due to Staute of Limitations and XXXX XXXX took ownership 9 years ago of that property. The Justice System and Dyck-O-'Neal should dismiss Summary Judgment and Writ of Execution due to DATA THEFT. Dyck-O-'Neal was not the original holder of promissory note and contract.
08/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX, XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.
10/11/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	KY 403XX	Web
I received a notice from a debt collector company called Dyck O'Neal, that in XXXX I used a XXXX XXXX XXXX loan through XXXX. I am being notified that on this date ( XX/XX/XXXX ) that I had not paid on that loan through XXXX XXXX, not XXXX XXXX. But, I contacted XXXX XXXX and they said there is an underwriting problem because the mortgage had been transferred so many times and we still own the home. I contacted HUD and spoke with a lawyer then I contacted the debt company and tried to explain who is trying to collect because the papers said it was from XXXX and it was applied to the mortgage. Dyck O'Neal told me it was an unsecured debt, but XXXX XXXX told me it was a secured debt. I had to take part in the housing crisis of XXXX and I needed to acquire that loan in XXXX of XXXX with XXXXXXXX XXXX XXXXXXXX. Please help because no one can find the paperwork.
01/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37421	Web	Older American
For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.
04/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
In XX/XX/XXXX, I purchased a computer through an affiliate company with my former employer, by the name of XXXX XXXX. My bi-weekly payments to XXXX XXXX for the computer were made via auto-draft payroll deductions. The computer was paid in full prior to my resignation from my former employer in XXXX. In fact, to ensure that there was no outstanding balance owed to XXXX XXXX, prior to my departure, the outstanding balance for the computer was deducted from my final paycheck. XXXX XXXX reported to a debt collection agency by the name of Dyck O'Neal that I have an outstanding balance of {$XXXX}. This is false. I made attempts to speak with someone at XXXX XXXX about the billing error but to no avail. I also disputed the charges with the collection agency but to no avail. This error has been reported to XXXX and must be deleted.
01/18/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX who has refuse to remove and block this fraudulent account.
02/08/2016	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	MD 21204	Web	Older American
See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB.
07/15/2021	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	MI 482XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
11/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 620XX	Web	Servicemember
Dyck O'neal currently has numerous complaints with the XXXX for reporting inaccurate information to consumer reports. In XX/XX/XXXX Dyck O'neal added a {$18000.00} collection debt to my XXXX and XXXX credit report for a debt that was paid off in XX/XX/XXXX, per my credit report ( see attached ). In an attempt to circumvent the system Dyck Oneal reported negative outdated information from XXXX as NEW information in XXXX, which is a direct violation of the Consumer Fair Reporting Act. Negative information that is more than 10 years old can not be reported on credit reports. This inaccurate information has been disputed with the Dyck O'neal and both credit reporting agencies but has not been removed from my credit report.
03/10/2017	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	MO 64015	Web
In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.
01/30/2019	Yes	Mortgage Other type of mortgage	Incorrect information on your report Public record information inaccurate	TN 38125	Web
I received a letter on my front door from a company who claims they a second lien on my house. I am unaware of this company and need to know if they are legit. When i first purchase my home i had two mortgages but later to my understanding i refinanced and combined the debt. This company by the name of Dyck Oneal claims they bought the account from the second lien holder. They never sent me any packet info neither have i signed any paperwork within the last ten years. Now they have sent a payment book and threaten to report to the credit bureau if i don't pay. I would like to know can they open an account that is over ten years old and do they have a lien on my property? They are demanding payments from me now.
05/11/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CO 80027	Web
I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.
08/15/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	FL 33624	Web
Dyck Oneil ( Texas collection agent ) is attempting to collect on a mortgage deficiency related to a foreclosure on my Florida home in XXXX 2014. They have failed to properly validate the debt, including the original credit information, and there was no deficiency judgment on my foreclosure. The final sale and transfer was completed XXXX/XXXX/14 and the one year Florida statute of limitations on any deficiency action has expired. I have contacted them multiple times and they have continued to report this debt, with a new " start '' date on my credit report in violation of the FDCPA. Experian continues to report this date in error and will not remove it without additional confirmation from Dyck Oneil.
05/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92336	Web
DYCK ONEAL has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28645	Web
Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law
09/13/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48124	Web
Hi I open account with XXXX XXXX in XXXX I had some damaged goods that came in in XXXX that I ordered the company said that they were going to take care of the balance which was XXXX XXXX now about a year ago or less dyke o Neil. Purchase the debt they have negatively impacted my credit by reporting miss information to my credit bureaus I have advised them that this was a clerical error on XXXX XXXX part I tried to call pXXXX XXXX and resolve it with them they told me they sold off the debt so I called dyke o Neil back They told me I cant send them the damage merchandise which Ive had since XXXX and was told that they were going to issue a credit back in XXXX
06/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MA 026XX	Web
I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.
04/22/2021	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	VA 22602	Web	Servicemember
In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with XXXX XXXX. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and XXXX XXXX transferred the loan to XXXX. In XXXX I was contacted by Dyck ONeal and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
06/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web	Servicemember
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. DYCK O'NEAL, In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
10/08/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	NY 11901	Web
Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX The second mortgage was owned by XXXX who sold it to XXXX XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. Please assist me. I am desperate at this point.
09/27/2017	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 339XX	Web
I purchased my property back on XX/XX/XXXX. for XXXX property prices went down called XXXX XXXX XXXX to get a loan modification. several times and was denied. they sold my loan to other banks. and tried to get a loan modification with no success. so signed papers to do a short sale. they listed the property for XXXX. but they would not sell it to me. So the property finally went on fore closure and they say i owe {$91000.00}. this is outrage. they sold it for XXXX. they wouldnt work with me. and they are saying i owe the. i was also suppose to get XXXX. for moving assistance. that i never got either. this was my primary home. ACCT # : XXXX
12/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.
11/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44112	Web	Servicemember
Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.
06/24/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32065	Web
I had a mortgage with XXXX XXXX XXXX and the home was short sale in XXXX. XXXX agreed with short sale and now still has a third party Dyck Oneal collecting payments. I had no agreements with Dyck Oneal in regards to mortgage payments. XXXX got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage
03/28/2017	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	TX 75212	Web
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.
07/06/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 109XX	Web
I settled with my mortgage company on the short sale of my home. An amount was agreed upon but no timeframe or monthly amount due was part of the agreement. Only that the debt will be paid in a reasonable time. Dyck Oneal purchased this debt and converted it into a monthly payment with a fixed term without my consent. If payment is considered late by them, a negative remark is placed on my credit report. Constant phone calls are made to my home and relatives asking when payment will be made. My credit is now damaged by this company and causing financial hardship.
05/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web	Servicemember
Collection agent was for a cease-and-desist notification prior to submitting this debt to the consumer credit file as prohibited under the authority of public law 104 - 208 which communicated in that same notice that his collection attempts where are unwelcome and that he shall refrain from reporting records debt to the credit bureau because he dont deal with 3rd party collection agencies and i am demanding that the account subject to this complaint to be removed due to failure of complying with reppert statute of the Tair Debt Collection Practices Act.
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98682	Web
Had a debt that was 2 years three months old. It was sold to a loan agency. The debt was transfred from credit debt and reported as a loan debt by dyck oneal inc. They reported I did not pay a personal loan for the past 3 months and have impacted my payment history for personal loans. This was not For a personal loan..and was mever a loan of any type. They never contacted me about this change. I called the company on XX/XX/2018 they were not able to give me a answer as how they can do this. Only that they bought the previous company.
04/23/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 107XX	Web
Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.
11/10/2017	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	HI 96740	Web	Older American
I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.
07/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92336	Web
Previously Submitted COMPLAINT XXXX to the CFPB on XX/XX/XXXX asking CFPB XXXX Notice for validation of debts Company 's Response Closed with explanation The FDCPA required validation notice was sent on XX/XX/XXXX. Did not receive this FDCPA validation notice that you claim you scented to me on XX/XX/XXXX. Could you please upload it into the CFPB Database so i can review it? and send me a copy by certified mail. Also I attach a copy asking for Validation of the debt through USPS CERTIFIED MAIL. Thank you
04/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75040	Web
Hello, Starting in XX/XX/XXXX this company starting putting that I owe this balance from XXXX. I've tried to contact his company about this balance. I'm wondering why this is on my account reporting late and why such an old balance and its posted like I'm behind now. it has the last date of activity is XXXX of XXXX and its reporting that I'm late 120 days. please help me. the account is : Dyck O'Neal- Account # XXXX - Dyck Oneal-Account # XXXX. Dyck O'Neal- Account # XXXX. Dyck Oneal-Account # XXXX.
08/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77578	Web
I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.
05/10/2018	Yes	Debt collection Mortgage debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MD 210XX	Web
I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.
03/27/2019	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	FL 33707	Web
I have lodged disputes with DYCK O'Neal with the belief it has reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XXXX XXXX have also asked for assistance from each of the credit bureaus to resolve this issue beginning in XX/XX/XXXX. I followed up with additional disputes XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
01/25/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97123	Web	Servicemember
Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.
08/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20735	Web
I have filed several complaints as this item was included in a discharged bankruptcy in XXXX. Dyck Oneal continues to re-age, and refuse to remove this item. I have never had any direct dealings with Dyck XXXX and the original debt was a part of the discharged bankruptcy. My last complaint with CFPB was denied because they again claim it is not a part of a discharged bankruptcy. My XXXX credit report showing it is on page XXXX of XXXX as of XX/XX/XXXX.
10/16/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	IL 60652	Web	Older American
I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.
12/09/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 91730	Web
Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35216	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 604 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/18/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33068	Web
DYCK O'NEAL, an unknown company to me. This company and I have have never communicated in any shape or form whatsoever, BUT yet, they have reported to the Credit Reporting Agencies ( CRAs ) that I have an outstanding debt of {$370.00}. As aforementioned, I am privy to NO communication whatsoever with this company. Accordingly, this company must immediately delete this negative account from my account.
07/19/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28645	Web
Dyck ONeal has a account showing open that is intact a collection.they finally sent me some information wrong information showing a debt for the Amy of {$160.00} with a payment date ofXX/XX/XXXXyes XXXX.account number XXXXthis is FALSE information and I demand it be removed permanently and completely from my credit file.i have a copy of the letter showing this to prove my position.
09/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 750XX	Web
This company called me regarding collecting a debt. After further research, they are not bonded with the state of Texas as required by Tex. Fin. Code. 392.101. With this, these seem to be abusive collection efforts in which falls under Tex. Fin. Code 392.402.404. Also, I was never notified of this debt and it's not valid. I've contacted the credit bureaus to notify them of fraud.
03/14/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NJ 083XX	Web
My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.
11/29/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web	Older American
I am not satisfied with XXXX XXXX 's response to my earlier complaint. I do not owe XXXX XXXX. I feel terribly cheated to be asked to pay what I do not owe. Judge passed judgment without seeing sale and foreclosure papers. Not fair. Purchase price was exactly foreclosure price leaving balance as zero. See papers attached. Remove the writ of my properties.
09/17/2019	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	TX 78227	Web
I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
05/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38109	Web
CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35216	Web
Inaccurate reporting stated that the account is OPEN but listed as a Collection/Charge-Off. Reporting that the account was opened on XX/XX/2018 and that is false. I haven't opened an account with this company ever. Also stated on the report that there is a monthly payment due which is also inaccurate for a collection/charge off account.
07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20735	Web
IN XX/XX/XXXX I FILED A CHAPTER XXXX BANKRUPTCY. DYCK O'NEAL. I HAVE DISPUTED SEVERAL TIMES BECAUSE THIS ITEM WAS APART OF THE XXXX BANKRUPTCY. THEY HAVE CONTINUED TO RE-AGE THE ACCOUNT. RECENTLY, IN XX/XX/XXXX IT WAS DISPUTED AGAIN, AND IT WA REAGED AGAIN ON MY EQUIFAX REPORT. ON XX/XX/XXXX THE ITEM WAS REMOVED FROM MY XXXX REPORT
04/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35020	Web
I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days late and made them as active on my credit reports.
10/19/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	AZ 86004	Web
I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
04/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.
04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92336	Web
In accordance with the Fair Credit Reporting act has DYCK ONEAL They also violated my rights under these laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
05/01/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	VA 23456	Web
Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.
07/28/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34638	Web	Servicemember
We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.
11/15/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	CA 90069	Web
The debt collector XXXX stated a non-judicial foreclosure on a second mortgage that is over 18 years dormant, and not collected, I disputed the debt in 30 days and requested for verification, they did not respond and are continuing in collection with foreclosure, set in XX/XX/2XXXX XXXX
10/14/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MA 01420	Web
In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.
01/15/2017	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	OR 97123	Web	Servicemember
Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.
08/03/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32566	Web
since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.
09/21/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33470	Web
DYCK ONEAL INC a debt collector has opened a fake account in my name and. posted late payment to my credit report I have not agreed to any payment plane with this company nor have I had any contact with them.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27707	Web
Debt collection agency 'Dyke O Neal ' has pulled my credit file without my permission. The debt was supposed to be paid by XXXX XXXX XXXX when home was foreclosed/short sale in XXXX.
06/30/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 109XX	Web
Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10024	Web
The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.
11/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27707	Web
I sent letters too the company twice XXXX and XXXX and they have yet too respond with the requested information that the debt is mine.
11/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45356	Web
XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time
01/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 240XX	Web
Dyck O'neal listed numerous accounts on my credit report that does not belong to me.
01/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web	Servicemember
Debt owed is passed the statue of limitations age
10/17/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 90044	Phone

07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92065	Phone	Older American

06/03/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48606	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28214	Web	Older American

02/06/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MO 63026	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85051	Web

06/02/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21158	Postal mail

06/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92336	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46324	Web

03/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35117	Web

12/10/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	MD 20744	Phone	Older American

10/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29407	Web

09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37128	Web

08/02/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	NY 10598	Web

07/23/2021	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 Investigation took more than 30 days	TN 38019	Web

06/16/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 75115	Web	Older American

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

12/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33435	Phone

12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07501	Fax

11/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29537	Web

10/19/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90745	Web

09/21/2020	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 78708	Referral

07/09/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60448	Referral

05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48223	Web

04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35401	Fax

04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46168	Web

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46112	Web

10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10008	Referral

09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75093	Web	Servicemember

07/12/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33076	Web

05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44056	Web

05/06/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19132	Web

04/20/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Referral

03/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75068	Web

02/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web

02/16/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	KY 41017	Web

11/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30350	Web

08/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06883	Postal mail

07/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 49005	Web

05/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22407	Web

05/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80206	Web

04/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20743	Web

12/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92311	Referral

12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32801	Web

11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33617	Referral

08/24/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	ID 83655	Phone

08/22/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33076	Web

08/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 93534	Web

07/11/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web

07/10/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33076	Web

06/14/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33919	Web

05/18/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 33408	Web

04/19/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MD 21114	Referral

04/06/2017	Yes	Mortgage Other mortgage	Other	AL 36693	Fax

03/20/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	PA 16053	Web

03/09/2017	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	NY 11412	Referral

03/08/2017	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 77386	Web

01/31/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MO 64015	Web

01/03/2017	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33311	Web

09/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 93402	Web

09/07/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 20721	Postal mail

08/26/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NM 87114	Web

08/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20743	Web

08/05/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	NY 12866	Postal mail

05/04/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 34638	Web	Servicemember

04/28/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	WY 82935	Web

04/26/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91344	Referral

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 04411	Web

03/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18360	Phone

02/26/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 32712	Referral

02/23/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	OH 45431	Postal mail	Servicemember

01/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA XXXXX	Web	Older American

01/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80031	Web

12/16/2015	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21204	Web	Older American

12/04/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32164	Web

11/10/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21204	Web	Older American

10/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32792	Web

10/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 21122	Web

09/23/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NY 11238	Web

09/06/2015	No	Consumer Loan Installment loan	Managing the loan or lease	CA 90254	Web

08/31/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	NV 89123	Web

07/07/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Attempted to/Collected exempt funds	FL 33025	Referral	Older American, Servicemember

07/03/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48159	Web

05/06/2015	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	VA 23456	Web

04/29/2015	Yes	Debt collection Mortgage	Communication tactics Used obscene/profane/abusive language	TN 38114	Web

03/27/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33510	Web

02/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95382	Web

01/22/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	PA 15237	Web

01/14/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CO 80228	Web

12/31/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	PA 18940	Phone	Older American

12/23/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MI 49601	Referral

12/18/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MI 48067	Web

11/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33901	Web

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85048	Web

10/30/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 62864	Web

10/24/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32771	Web

10/22/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 95991	Referral

10/13/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 34786	Web

10/12/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33073	Web

10/12/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33073	Web

10/07/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	IN 47362	Web

10/03/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	CA 90604	Web

09/24/2014	Yes	Debt collection Mortgage	Taking/threatening an illegal action Sued where didn't live/sign for debt	GA 30101	Web

09/11/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	GA 31768	Referral

08/31/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 34638	Web	Servicemember

08/23/2014	No	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	TN 37932	Web

08/18/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	FL 33935	Web

08/14/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NY 11106	Referral

08/13/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33936	Web

08/11/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33936	Web

07/28/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 76527	Web	Servicemember

07/24/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	FL 33030	Postal mail

07/16/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CO 80011	Web

07/03/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	CA 93065	Web

07/01/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PR 00694	Postal mail

06/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	TX 75092	Referral

06/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60471	Web

05/22/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	VA 23456	Web

05/16/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MA 01463	Web	Older American

05/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14075	Web	Servicemember

04/28/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	MD 21158	Referral

04/24/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	VA 22624	Referral

04/08/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34787	Web

03/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33647	Web	Servicemember

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TX 75007	Web

02/27/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	VA 22201	Web

02/20/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt		Phone

02/18/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	CO 80550	Web

01/17/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	FL 32162	Phone	Older American, Servicemember

01/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78664	Web

11/20/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60101	Postal mail