Finance System of Richmond, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32117	Web
This debt does not belong to me as I have not been to the facility XXXX XXXX. This could be a result of my wallet being lost in XXXX? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under theFair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices ActandDefamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Also include the release that was signed giving you access to my information. Please provide the name and address of the bonding agent in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
10/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33830	Web
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
01/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 15701	Web
ORDER- I am demanding extinguishment and a full accounting for both ledgers as i was never given full disclosure of the nature and cause NOTICE OF DISPUTE Dear [ CFPB ] : Thank you for the statement of [ XXXX, XXXX ] that your institution recently sent me, expecting payment for an alleged debt. This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. After reasonable inquiry I have concluded that [ FINANCE SYSTEM ] is in breach of the alleged agreement. The following facts support my position in this matter : 1. XX/XX/XXXX ] failed to disclose to the alleged consumer XXXX XXXX XXXX XXXX XXXX hereinafter consumer ) that XXXX XX/XX/XXXX XX/XX/XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby [ FINANCE SYSTEM ] did not perform under the agreement and risked nothing of value. XX/XX/XXXX FINANCE SYSTEM last reported XX/XX/XXXX open balance : {$190.00} original creditor :XX/XX/XXXX account status : open opened : XX/XX/XXXX FINANCE SYSTEM Last reported XX/XX/XXXX open balance : {$140.00} opened : XXXX XXXX account status : open Original creditor name :XX/XX/XXXXXXXX XXXX XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor XX/XX/XXXX XXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$140.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00} Date Opened : XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor : XX/XX/XXXXXXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$190.00} Balance Updated : XX/XX/XXXX Original Balance : {$190.00} Date Opened : XX/XX/XXXX I had removed these before but they somehow got putt back on my report i have no knowledge of these accounts please cease all things that are against me CFPB
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33811	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. Also XXXX has allowed 2 accounts from FINANCE SYSTEM to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXXI numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36695	Web
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36695	Web
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
07/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 17545	Web
Finance system of richmond called me in a rude tone and I refused to take the call, I asked for name and address and the lady hung up the phone. they company then listed two medical debts on my credit file without even sending a notice to dispute. I sent a debt validation to the company and they sent me a typed up bill, I later sent another notice and the company ignored me. I complained to the XXXX and the company sent the XXXX a bill with medical procedures and procedure codes which displayed what type of medical service was performed which is a violation of hippa. I will attach all the files I sent to the company and the XXXX and the companies response of not investigating my disputes but will still report to the credit bureaus. Debt collectors engage in fraud and violations why would I send any information to them. The burden of proof is on them to provide debt validation which is a original contract between the debt collector and I or the debt collector and the original creditor and an account number linking me to the debt. I looked up the procedure code which was listed and figured out what procedure was done. this company needs to remove this debt from my credit file and send it back where they got it frim because they will be liable for damages. I have attached the companies response to the XXXX with all information and procedure codes and my two debt validation request.
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36695	Web
On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
08/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 453XX	Web
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in XXXX Indiana have been treating my health issues for a few years. All XXXX of the above mentioned have different billing departments but all sends their outstanding or unpaid consumer bills to Finance System INC. a collection company in XXXX Indiana. I made arrangements with Finance Systems Inc. to pay bi-weekly payments of {$230.00} to ensure the collections remained off my credit report until i paid the amount in full. Finance Systems Inc. continues to place notations and remarks on my credit report stating that I am not paying as agreed. They sent data to the Credit reporting agency on XX/XX/XXXX that I defaulted on an {$86.00} doctor bill after paying my bi-weekly payment of {$230.00}. Finance Systems Inc. took me to court XX/XX/XXXX for a {$250.00} bill that ended up costing me {$900.00} to pay their attorney fees. I borrowed money from my XXXX account to pay XXXX different doctors bills that Finance Systems Inc. placed on my credit report and refuses to remove from my credit after i paid them. Finance Systems continues to discuss this matter and payment arrangements with my wife without my consent or knowledge. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX billing department is not sending proper notification informing me of services performed and sending the bill directly to Finance Systems Inc to collect the payment.
06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33884	Web
Radiology Bill CXXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, IN XXXX Radiology and XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX called XXXX and advised this bill was paid by personal check. Provided the check # XXXX, date mailed XX/XX/XXXX and date the check was cashed XX/XX/XXXX in the amount of {$280.00} by med-payment.com. Was told they would look into the issue. XX/XX/XXXX XXXX advised my complaint was received an escalation team XXXX advised they need a copy of the front and back of my check. I told XXXX that my bank can not provide me with this as the facility that billed me ( Radiology and XXXX XXXX at XXXX XXXX XXXX ) processed my check electronically. I provided proof of payment by way of a bank statement showing check # XXXX was cashed by check med-payment.com on XX/XX/XXXX in the amount of {$280.00}. XX/XX/XXXX I emailed a complaint letter disputing the debt with proof of payment to XXXX. XX/XX/XXXX I called XXXX and they said my claim is still being reviewed XX/XX/XXXX I mailed my complaint to XXXX with proof of payment XX/XX/XXXX received a voice mail and an email from RI supervisor XXXX XXXX saying they need a copy of the font and back of my check. XX/XX/XXXX I responded by re-iterating all of the above XX/XX/XXXX received a call from XXXX at XXXX asking for copy of front and back of check. Again advised the same thing as above.
03/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
05/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32168	Web
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 201XX	Web
There is a collection account that appeared on my credit report from Finance System. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered. I contacted the collection company via a phone, Finance System, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to XXXX. It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by Finance System. This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.
03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 473XX	Web
After vacating the rental property, the landlord sent me an itemized list of damages. I disputed the damages within 30 days by certified mail. I received no response from her but received a collection letter from Finance Systems , Inc. I disputed the debt using the website listed on the letter, but did not hear from them regarding the dispute. When they called me in attempt to collect the debt I reminded them that I have already disputed it. After not hearing about from them for several months, I called to check on my account. They responded that they have no record of me filing any disputes and to check my emails for a confirmation. I do not have any confirmation in my inbox or junk mail. Because an email is required on the electronic dispute form, I sent a test dispute and still have not received anything. The only verification of debts they have from my landlord is an itemized statement. When I told them this seems like a matter for small claims court so that she can present proof of damage and receipts of repairs paid, I was informed by XXXX with Finance System , Inc. that this is what the collections company handles.
05/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17603	Web
Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
09/27/2017	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	KY 403XX	Web	Servicemember
On XX/XX/XXXX, I contacted XXXX and XXXX disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is Finance Systems of Richmond in XXXX, IN, and the account was opened XX/XX/XXXX. I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor Finance Systems claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
04/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30012	Web
I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.
10/11/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IN 47331	Web
I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. **This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. XXXX XXXX
10/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 47374	Web	Servicemember
Fiance System has continued to report to XXXX false information in attempts to collect a debt. They have reported numerous accounts that are dated as of XX/XX/2015 from any where to XXXX to XXXX dollars. After speaking to the original creditor they informed me that Medicaid had paid on the account and or they had my Medicaid insurance information. I have requested numerous times for them to remove thier information that they are reporting and that it is illegal to bill medicaid client for services that they recieved payment on. Since XX/XX/2015 this has caused me numerous adverse actions and denials of credit, a mortage and a personal loans ...
12/04/2020	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 47374	Web
Friday, XXXX XXXX 2020, an account manager from company Finance Systems in Richmond, IN ( XXXX XXXX spoke to a third party about a personal matter regarding debt that they claim I owe them. I believe the individual involved was also sharing this information with her coworkers as they somehow knew who I was before I even gave them my name. Its scary to imagine that a random number can call this organization and the operator can give them my name without my consent. I felt that this was very unprofessional and definitely a violation of the Fair Debt Collection Act, hence the reason I am submitting this complaint.
11/30/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91941	Web
Finance Systems of Richmond is still reporting a collection account and balance on my credit reports even though they agreed to remove it fully from my reports for a settlement in the amount of {$240.00} which was 50 % of they amount they claimed I owed. I dispute that I even owed the debt, but was advised to offer a settlement in return for the deletion of the collection from my reports as the quickest way to resolve the issue. Finance Systems of Richmond has cashed the settlement check, but not honored their agreement to remove the account fully from my credit reports.
02/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 175XX	Web
I have written several letters to " Finance System of Richmond '' dated XX/XX/XXXX and XX/XX/XXXX. They have not responded to either letter. They are continuing to report on my credit, with Verification of the account provided to the credit bureaus. I AM THE CONSUMER, I DEMAND THAT THEY STATE WHY THEY ARE ON MY CREDIT REPORT! They have sent me nothing in the mail as requested, a violation of the FDCPA. They have continued to report an invalidated debt to the credit bureaus, a violation of the FCRA. I DEMAND JUSTICE! PLEASE HELP ME!
10/04/2021	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	AL 365XX	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
09/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34653	Web
Finance systems is reporting several different accounts to my credit report. I have now sent 2 letters to this company requesting them to verify the debt and they refuse to respond. It is my right to request this information and they have now denied me of this 2 times. I even called to verify their address and they are very rude. I mailed my first request in XXXX and after no response I mailed another request on XX/XX/XXXX and I mailed it certified so I know it was received.
04/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92115	Web
Hello, I have a {$410.00} medical debt that has been on my credit report. I have attempted to dispute the debt multiple times and it still in my report. The debt listed is from a vehicle crash on duty. I was taken to the hospital and the incident was listed as a workers compensation case. The company I worked was emailed and they have acknowledged via email the debt is theres and they will pay it off upon receiving a bill. I myself and my ex employer did not receive a bill.
07/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 405XX	Web
Mailed letter requesting what the debt is and to validate the debt is mine XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can NOT get any response to any letter asking for information or delete the debt off of my credit report as I do not believe the debt is mine. If I can not get debt validation and verifiable information that the debt is mine, it needs to be removed from my credit report
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33837	Web
In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. [ FINANCE SYSTEM OF RICH ACCOUNT # XXXX has violated my rights. [ XXXX XXXX XXXX # XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
06/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 338XX	Web
ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.
04/15/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 473XX	Web
I received my first notice, i promptly sent the alleged debt collector a certified letter of validation. After 90 days I have yet to receive any validation. I received many statements and phones attempting to collect. When I answer I explain to them the debt hasn't been validated and I will not talk to them until it is. How do I get this to stop?
01/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33801	Web
After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.
07/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48239	Web	Servicemember
{$55.00} XXXX bill from 2017. I paid this bill directly to the XXXX company now collection agency Finance System will not remove from all reporting bureaus. Removed from all but XXXX even after numerous disputes from me asking to remove
09/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 403XX	Web
XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges.
12/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
11/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33823	Web
I paid the debt in full on XX/XX/2019. I was told it would take a up to a month to remove the derogatory mark on my credit. I have waited patiently and yet the mark still remains. I need this mark removed as soon as possible!
07/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33884	Web
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$50.00}
04/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
The company says they have contacted me and that I stated that I am a single mother and couldn't pay my debt but its not true I am married and have never received a call or a document from them.
08/19/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OH 453XX	Web
On XX/XX/2016 Finance Systems Inc. ( Collection agency ) Discussed a medical collection with a third party without my consent about a debt on my credit report.
11/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
RADIOLOGY AND XXXX XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.
03/21/2019	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	MS 394XX	Web
My score dropped 62 points once finance says reported information. My credit score should have not dropped that many points
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34711	Web
how are you reporting XXXX collections for the same account when i have XXXX? see attached.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34711	Web
Attached is a copy of my explanation of benefits which shows that this has been paid.
01/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web
XXXX XXXX XXXX XXXX XXXX$180.00} XXXX Collection agency : Finance system of rich
06/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web
This not my debt XXXX XXXX of XXXX XX/XX/2017
02/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34744	Web
It was paid with my medical insurance.
03/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90026	Web
This account doesn't below to me.
01/27/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 70816	Web

12/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46970	Phone

10/26/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	IN 46545	Web

03/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

01/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75043	Web

01/04/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 16001	Web	Older American

11/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75043	Web

09/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33809	Phone

04/11/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 47346	Web

03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

01/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34208	Web

12/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

10/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33844	Web

08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92071	Web

06/23/2021	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 Their investigation did not fix an error on your report	FL 33803	Web

06/11/2021	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	GA 30080	Web

04/21/2021	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	FL 33803	Web

04/01/2021	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	FL 33803	Web

11/18/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

08/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 47374	Web

07/10/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48125	Web

05/14/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92021	Web

10/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33880	Web	Servicemember

08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75376	Web

01/25/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 47362	Web

07/05/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	OH 43235	Web

03/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33801	Web

03/08/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt		Email

02/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33823	Web

02/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48322	Web

01/03/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08753	Web

10/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33896	Web

07/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 80223	Web	Servicemember

08/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 47374	Web

07/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91214	Fax

03/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34698	Web

06/16/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	RI 02910	Web