Executive Credit Management, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/17/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19078	Web
XX/XX/XXXX Executive Credit Management , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX Dear Mr. XXXX : Kindly be advised that I am in receipt of your letter to XXXX xxxx in regard to the above captioned matter. I do admit to signing a one-year lease with Mr. xxxxxx in XXXX. However, I deny any and all allegations, nor do I take any responsibility to your claim of a dept in my name or any known alias. After one year of residing in the apartment and the lease went to a month to month basis ; Del Code 70 Del. Laws, c. 513 1 ; 79 Del. Laws, c. 47 20 ; 5106 ( a ), I provided XXXX XXXX with notice in XXXX of my vacating the property and moving to Pennsylvania. My letter providing notice of vacating the property was hand delivered to the office manager/family member of the previous XXXX owner, Ms. XXXX xxxxxxxxx along with that months rent. Whereby, Ms. XXXX xxxxxxxxx verbally acknowledged receipt of my notice to vacate the property. Del Code 70 Del. Laws, c. 513 1 ; 5707 ( b ) ; Del Code 70 Del. Laws, c. 513 1 ; 5113 ( a ) ; Del Code 70 Del. Laws, c. 513 1 ; 5114 ( 1 ) ( 2 ) ( 3 ) At such time, it was the responsibility of XXXX to ensure the credit worthiness of Mr. xxxxxx solely residing in the apartment. If XXXX felt that there was no such worthiness, they had ample time to notify Mr. xxxxxx that he would be evicted. Additionally, no notice was ever provided to me at my Pennsylvania residence that Mr. xxxxxx had fallen behind on rent or that over six months of back rent was due ; Del Code 70 Del.Laws, c.513 5502 ( a ) ( b ), verifying that, in fact, XXXX was not a party to the lease. I understand that XXXX had sold ownership in the last year, as I personally know the previous owners. I also understand that during the process of taking new ownership of such a large rental complex, a thorough investigation perhaps was not done. I therefore, suggest a reexamination of this matter. In the meantime, please cease and desist your harassment of mailing letters to Mr. xxxxxx to my home. Mr. xxxxxx now resides at xxxx XXXX XXXX, XXXX, DE XXXX. Furthermore, please cease and desist your harassment and erroneous claim of dept in my name or any know alias. Very truly yours, XXXX xxx xxx Cc : XXXX XXXX
06/06/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98058	Web
On XXXX XXXX , 2017 I sent Executive Credit Management , Inc a certified letter regarding an account reporting negative to my credit report. The company stated that I owed them {$1200.00}. I do not know this company nor have I ever did business with this company so I sent a validation letter requesting what I owe, how the amounts were calculated, copies of papers that show that I agreed to pay what they claim I owe, and I also requested their license to prove that they can collect in my state. On XXXX XXXX , 2017 , XXXX XXXX from Executive Credit Management , Inc replied to my letter with confirmation that she received a notice from XXXX credit bureau regarding my dispute and attached a statement balance and two papers from a lease from another company which indeed stated nothing about Executive Credit Management , Inc. Which in no way was validation to the debt I allegedly owe. On XXXX XXXX , 2017 I requested for t he SECOND ti me debt validation with proof of a full lease and legal documents with my signature in contract with Executive Credit Management , inc company or remove the alleged debt from my credit report immediately. On XXXX XXXX , 2017 I then receive another letter from XXXX XXXX ( Manager ) at Executive C redit Management dated XXXX XXXX , 2017 that she received my request for documentation validating a listing on my credit profile for a collection. She is now claiming that the account number is missing the last XXXX numbers and she needs more information to find my file, the date they reported this account to my credit report, and the amount of the collection they say I owe. XXXX XXXX mailed me a letter on XXXX XXXX , 2017 with the valid account number from my credit report and when I asked for validation again on XXXX XXXX , 2017 now she is unable to locate my account and now she needs more information from me. I have requested validation twice from this company and I am dealing with the same person, XXXX XXXX ( manager ).
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21054	Web	Servicemember
In the XXXX, I became aware of my identity information being fraudulently used to lease an apartment in another state, resulting in collections activity. I notified the collections agency, Executive Credit Management, and provided the requested documentation. On XX/XX/2021, I received a letter from XXXX XXXX at the company stating they had confirmed my information was fraudulently used. Additionally, she stated that they had closed my file and rescinded all information sent to the credit reporting agencies as of the date of the letter. I also reached out to XXXX XXXX XXXX complex and provided them documentation of my stolen identity. Though initially helpful in confirming that the identity document provided by the thief was fraudulent, they never confirmed they had closed the debt. I reached out more than once by email with this request. On XX/XX/2021, I received a collections notice, again under the last name used fraudulently, threatening to pursue further collection efforts for the same debt they stated they had closed. I believe this is an attempt by the company to collect on a debt they know was fraudulent and does not belong to me. To note, with initial belief that the telephone calls from the debt agency were scams, I filed a prior complaint with CFPB ( case XXXX ). The company responded to the complaint on XX/XX/2021 that they removed their listing from my credit report on XX/XX/2021 due to my identity being compromised/stolen. Additionally, when I initially received written notice from this company in the fall I was concerned my identity may have been used fraudulently. I notified the company by certified letter, dated XX/XX/2021 that the debt did not belong to me and also requested the documents to which I am entitled under the FCRA as a victim of identity theft. The organization has still not provided those documents nor acknowledged my request.
12/14/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07083	Web
On XX/XX/2020 I was notified by XXXX and XXXX that there was a collection account added to my reports. I immediately reviewed my reports to see that Executive Credit Management Inc had added a collection for a past due bill with XXXX XXXX, which was a rental unit I had moved out of over 5 years ago. During the time I moved out I was slapped with a bill of charges that were not mine and it was settled with my lawyer and theirs. As I did my research on the new collections account I see that the bill was sent to them on XX/XX/2020. This was over a year after I had filed bankruptcy and all past due accounts were discharged and I was no longer obligated, according to the US Bankruptcy courts, to pay. I sent out certified letters to the original creditor, XXXX XXXX, with no reply back and to the Executive Credit Management Inc on XX/XX/2020 stating the debt was resolved and the file they paced on my credit report was fraud. Shortly after they received the certified letter they placed the account in closed status on my credit reports. According tot he laws they need to remove this account comply because they are framing the system. The account should never have been there in the first place since the debt did not exist. Both the collection agency and the original collector should know the laws if they plan to collect on old debt. I do have copies of the letters I sent both parties with printouts of the dates and times they received the letters. Both companies are defaming my credit report by doing this which I believe is called " debt parking '' and is a serious crime.
09/04/2021	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 21054	Web
Good afternoon, I received a debt collection notice from an agency called Executive Credit Management , Inc. in XXXX, NJ. I was originally contacted and received a voicemail from a XXXX XXXX on XX/XX/XXXX in reference to a debt owed by a XXXX XXXX. I returned the call and left a voicemail back letting the individual know that the person in question is not me, and that the name XXXX XXXX is a married name from 16 years ago. I instructed them to stop contacting me. I received voicemail messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from ( XXXX ) XXXX asking for additional information and that they want to help me. I received a notice of debt owed by mail to my address today, XX/XX/XXXX threatening to further pursue the debt. I have checked my credit report and the debt does not show, however I will be reporting this to the credit agency as well. I do not know if this organization is legitimate or not, but I need assistance in stopping the harassment. If this organization is legitimate, they have the wrong contact information and I have no knowledge of the debt or the person they are trying to find. I am concerned about their legitimacy because they keep asking for documents and additional information on the voicemails to prove I am not the person for which they are looking. Please let me know what I need to do additionally to protect myself. Thank you for your assistance and attention to this matter.
01/03/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19078	Web
Executive Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX sent a collection letter to my home for my daughters father. I called them to find out what this was about. They were very aggressive and rude on the phone and insisted that I owe for this debt. The woman on the phone wouldn't let me speak so I hung up. I immediately wrote a letter disputing the debt and notifying them of the address they should be mailing. Months later they sent me another letter, to my daughters father, stating that again, I owe this money. They are going to sue me. They are going to put a lien on everything I have, they will make me pay for their attorney fees and litigation costs. They are harassing me. This is not okay.
07/05/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29115	Web
On XX/XX/2022, I send a debt validation letter to Executive Credit Management in reference to a debt that is not mine. I sent the letter certified mail confirmation number XXXX XXXX XXXX XXXX XXXX. According to the USPS, the company received and signed the for the certified letter on XX/XX/2022 at XXXX : XXXX am the letters was delievered and signed. But the collection agency Never responded to my request for information. The debt is not mine at all. According to 15 USC 1681- it is illegal for a collection to have my personal information. It is a violation of my right fo privacy. According to 15 USC 1692 B ( 2 ) it is violation for a collection to state a consumer owes a debt.
07/24/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21921	Web
I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.
02/06/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web
The collection was opened XX/XX/2019, I sent letters to the collection agency, I wrote letters to all 3 three credit companies. everyone has failed to provide me documents saying what's the money I owe, copies of any paperwork showing that I agreed to pay what they say I owe or provide any license numbers, registered agent paperwork or anything of that.
05/24/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17055	Web
Spoken with XXXX from Executive Credit Management. Requested physical signature verification for a hard inquiry on credit report. XXXX replied, " information is shredded once denied ''. Informed XXXX, " resided at another resident ''. XXXX became hostile and stated information was shredded. Requesting a physical signature for verification.
06/30/2021	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19401	Web
Debt collector EXECUTIVE CREDIT MANAGEMENT furnished unvalidated and fraudulent information on my consumer report without my ( the original creditor ) written authorization pursuant to federal law. Ive sent debt validation and cease and desist letters with and invoice ; as well as an affidavit.
10/28/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23454	Web
Executive credit management continues to collect a debt not verified nor owned by me. Made several attempts to have debt removed and verified. Company continues to not respond according to FCRA Guidelines.
01/20/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19078	Web
Despite writing the company and notifying them of the correct person in default, this company still sends me letters. The latest letter they insinuated that they were attorneys, they in fact are not.
01/20/2020	No	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19078	Web
Despite writing the company and notifying them of the correct person in default, this company still sends me letters. The latest letter they insinuated that they were attorneys, they in fact are not.
11/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77069	Web
please see the court documentation that has been provided to support this dispute claim against executive management, a debt collection company
01/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07419	Web Referral

11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20772	Web

05/03/2021	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08021	Phone

04/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11235	Web

01/30/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10035	Web

08/04/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08043	Web

02/02/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23434	Web

09/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07073	Fax

08/27/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 07205	Fax

04/09/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07735	Fax

02/13/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

07/17/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08077	Web

01/03/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 11373	Postal mail

04/04/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08873	Web