Financial Accounts Service Team Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/21/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TN
  • 38401
Web Servicemember
Hello, I called the company " Financial Account Services Team '' located XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX, on XXXX XXXX, 2016 at XXXX Central Standard time / XXXX EST. Spoke with a XXXX XXXX regarding said possible collection for the amount of XXXX. I asked what it was regarding and I was told that it was due to a utility bill. I had stated that the bill should n't exist as I would have had to pay any closing amount prior to my moving since it had to do with the city. However due to current circumstance I went ahead and paid. I asked knowing that I had been informed by my Bank XXXX to do so, to ask for a copy of receipt and a notice that it would n't hit my credit per agreement upon paying. XXXX XXXX informed said he would send it via email, placed me on hold then came back and was very argumentative and rude. Stating he really did n't have to provide me such requests ( mind you after I had paid it ) as he had just stated he would. Then stated well I sent it via email. I asked well do you mind sticking around for a minute until it comes through. Which it did n't nor has it. I told XXXX XXXX that it had n't arrived and it should have by now, he said i would n't know as I do n't have these sort of problems referring to collections issues. He then hung up on me, I attempted to call back and was hung up on multiple times. I find it odd that the city never sent me ( my address was forwarded to new location ) any notice of debt ( which I would have happily paid ), and henceforth my discussion with XXXX XXXX there was never an attempt to send or present me with the notification or verification of debt. Also upon asking if this was going to negatively hit my credit and if he could make sure it did n't. XXXX XXXX also threatened to the effect that if I did n't do as he was asking that he would ensure it does, how would I like that. that he would mark it to hit my credit report. Also as to knowing of this debt I was never sent anything from the city of XXXX XXXX, XXXX regarding this purported debt. Though my address has been forwarded to my new location, my phone number never changed from what they would have had on file for me. My credit has been great and I have worked hard to maintain it so I could utilize my XXXX home loan this year. Unfortunately I fear due to the way XXXX XXXX handled everything, with the deceit, arguementiveness, and threats that this now will be in jeopardy. Upon further review of this company I found that this is n't the first type of issue with other collection attempts from other people. That the staff is known for harassing and making false statements while not aiding by the law. That there are possibilities of further illegal activities from the head of company XXXX XXXX. Please see link below of reviews from contracts and former employees posting on google. XXXX XXXX did not provide me a full confirmation number neither just the last XXXX digits of XXXX, though I had asked. XXXX This place needs to be investigated, fined, shutdown, and all collections accounts for which they service to be notified of their shady illegal practices. Thank you
10/16/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37923
Web Servicemember
I received a phone call on XX/XX/2018 by a woman named XXXX at my place of employment. I asked her to not call me at work as I am not allowed to have personal calls. I provided her with my cell phone number and told her to call there. On XX/XX/2018 today around XXXX she called my cell phone with company Financial Account Services in XXXX from telephone number XXXX and then called my place of employment again. I immediately informed her that I had already told her not to call my place of employment and that I gave her my cell phone number. She then stated, " but you never answer or call me back. '' I then replied, that is what voice mail is for. Again she reiterated that I dont return her calls. She then says, okay well I will be sending this file up for other more severe actions and ended the call. About 15 minutes later I called the company back to make a formal complaint. A woman answered and did not give me her name. I stated that I wanted to make a formal complaint about an employee calling me at work. She transferred me to an older man. I told them what had happened and he did not in the least seem to care. I told him that they were more than welcome to call my cell phone and he interrupted me and started, " oh we wont be doing that any longer, now we are getting an affadavit and the next time we contact you will be through a summons to court. '' I then told the man that I had not received anything that his company had been sending and he became very sarcastic and said that is surprising considering that we mailed out a letter in XXXX. I replied that he will need to verify that this is indeed my debt because I didnt know what debt he was referring to. He stated that his company does not have to verify anything with me. At that point I told him that i would be seeking legal counsel. At this point this company seems shoddy in its business practices. I understand they have a job but they caused me distress at my place of employment by calling there when I had already asked them not to, the man refused to acknowledge any part on the verification and legitimacy of the debt, and threatened me when I advised that he could call my cell phone.
04/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 378XX
Web
I rented a home from XXXX XXXX. After renting this home from a licensed real estate broker, I learned that the homeowner had not paid their association dues in years. My family and I were unable to use any of the amenities advertised with the rental of the home. We also started to receive bank notices from XXXX XXXX, that we did not open, in the homeowners name signaling that they were not paying the mortgage either. Several key appliances for the home broke and the homeowner would not fix them. In XXXX, XXXX XXXX dropped this homeowner for cause and left me stuck to try and negotiate with the homeowner that XXXX XXXX 's owner XXXX XXXX, had told me were impossible to deal with. At this time more appliances broke and the air conditioner leaked into the home causing black mold to appear. The homeowner once again would not fix appliance or the air conditioning unit or the mold. I sought legal council. He informed me I had no lease and should move which I did. 5 months after vacating the home and returning the key I received a collection notice from Financial Accounts Services Team, INC that XXXX XXXX was trying to collect {$9300.00} from me. I immediately contacted XXXX XXXX and he told me " OK. You can just pay collections when you want it removed from your credit report. '' He also told me he had an eviction. If he has done this it is an illegal eviction in Tennessee. I have no idea if this is true as I was never served and did not live or have keys to the residence. This home has been in their possession for 6 months and has been listed for sale. I immediately faxed proof that XXXX XXXX had broken the lease, that I had moved and the debt was not a valid claim on XX/XX/2020. I stated not to contact me again. On XX/XX/2020 at XXXX XXXX EST, I was called on my cell phone by Financial Accounts Services Team, INC. The lady was rude and abusive. I told her I had sent the fax and she said they would continue to call and harass me.
03/26/2016 No
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • TN
  • 379XX
Web
Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.
02/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 705XX
Web
I received a letter from Fin Accts Sv in XXXX of XXXX with a debt owed of XXXX for equipment from vyve communications. Immediately during the XXXX day dunning period I called Fin Accts and reported that this was an invalid debt, no correct as I had already sent back the equipment they were saying the debt was for. The lady asked if I could send her the receipts from the postal service showing I had returned the equipment in which I did send them proof that the equipment had been mailed back, they had the date and tracking number of when I returned it. My town was hit by a major hurricane and it showed that due to postal service having NO service the equipment was sitting with the postal service. They still reported this to the credit bureaus as a PAID collection. This was never a paid collection as I proved to them that this was an invalid debt. It should have never been reported to any bureaus being the proof was sent to them. I have sent letters disputing this account as inaccurate information on my credit profile reporting to XXXX and XXXX on XX/XX/XXXX and again on XX/XX/XXXX in which no response was given to me from the XX/XX/XXXX dispute. Both XXXX and XXXX remain reporting this as a paid collection. I have never paid them anything, it should have never been added to my credit report after I proved this equipment had been returned. I didn't have to pay anything.
12/28/2017 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 379XX
Web
XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.
05/30/2022 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 757XX
Web
I contacted my internet provider ( XXXX XXXX ) via email to cancel my service on XX/XX/XXXX. I had paid the bill for services from XX/XX/XXXX to XX/XX/XXXX. I then received a bill for services {$100.00} for service for the period of XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX and reported the error. Since I terminated service on XX/XX/XXXX, I felt that I did not owe for the XXXX to XXXX billing and did not pay for the XXXX invoice. They disagreed. They turned it over to a collection service : Financial Accounts Service Team XXXX Inc. When I received the first letter from them, I contacted them by phone that I was disputing the charges. They would not dismiss the charge. I have written 3 letters disputing this charge. XX/XX/XXXX- XX/XX/XXXX XXXX XXXX, XXXX. And they still will not take this charge off of my XXXX credit report. I disputed the charge with XXXX credit agency and with XXXX XXXX XXXX. XXXX credit agency accepted my dispute and removed it from my credit report. But XXXX will not remove it from credit report. Since I cancelled the service on XX/XX/XXXX I feel that I do not owe for services from XX/XX/XXXX to XX/XX/XXXX.
05/09/2018 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37643
Web
I keep receiving phone calls from XXXX but they never leave a message. When I called back I was transferred to XXXX. She stated I owed them for XXXX XXXX XXXX. I asked her for proof of the debt and she stated " we sent you a letter telling you what you owe ''. I advised her that I have a legal right to see proof of the debt, not just a letter. She became angry and said " fine, you'll get it '' and then hung up. I called back and asked to speak to a manager and was transferred to XXXX. She asked what the problem was and I explained to her and she stated " Yeah, I know, I listed to the call so what do you want ''. I said I want actual proof of the debt, something where I signed stating I would be responsible for the debt, actual itemized statements with dates of service etc. She verified my mailing address and then stated " I'll send it to you but we are putting this on your credit ''. I advised I would be reporting their behavior and she said " oh, ok. well, I'll note your file. They never asked me any identifying information nor did they provide any identifying information during the call without my asking.
11/10/2022 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37920
Web
On Wednesday XX/XX/XXXX I reached out to the collection company explaining the amount is incorrect and I have email proof stating the correct amount of {$420.00}. The lady asked me to send her the email screenshots to her for proof. I have not heard back from the collection company. The manager, XXXX, from XXXX XXXX XXXX hung the phone up in my face when I told her I had the proof of the correct amount and to please help. Our XXXX XXXX XXXX rental lease ended the end of XX/XX/XXXX. We moved out the house before the end of XX/XX/XXXX. We were told we could but our keys in XXXX 's drop box and a house inspection would take place the first week of XXXX. The walk through house inspection happened on XX/XX/XXXX at XXXX and we received the email stating XXXX XXXX kept our {$1800.00} deposit and the remaining balance of {$420.00} was due to cover cleaning and bushes removal. It was been a very stressful journey trying the get the amount corrected. The collection company has not been helpful and the lady I spoke with was very rude and did not reach back to me regarding the correcting.
12/14/2018 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • XXXXX
Web
For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.
07/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78641
Web
My daughter forgot to return her cable modem after she graduated college. We returned it and received confirmation of delivery on XX/XX/2022. I have continued to receive calls from Financial Accounts Service Team out of XXXX, TN. I communicated with them months ago that it had been received and gave them the tracking number. They continue to call, so i stopped answering. On XX/XX/2022, I answered the call. Typical call " this is an attempt to collect a debt '', I told her again, it was returned back in XXXX. She put her supervisor on the phone, and the supervisor acknowledged that she did not mark my account correctly from the previous calls and said she would get it corrected. Then she mentioned my credit report. After we got off the phone, i checked my credit and they put a derogatory mark on my credit pm XX/XX/2022, dropping my score by XXXX points. I WAS in the middle of a refinance with XXXX XXXX that I no longer qualify for. The company will not take my calls any longer.
06/11/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 296XX
Web
Notified on XXXX by credit monitoring that a new collection was on my XXXX report from Financial Account Service Team for {$250.00}. I have never received any notification from this company or the original creditor about this debt in writing, phone call, or any other correspondence. I have not received any verification of this debt. I have lived at my current address since XX/XX/2021. Change of address was completed by USPS. I have received any and all mail, bills, etc... forwarded from previous address, including legal documents from a probate case in Virginia. All forwarded mail had yellow forwarding address label attached stating that sender was notified of new address, but nothing ever received from either company in this collection matter. I demand that this company delete this file from my credit reports because they have not lawfully supplied me with any chance to dispute this claim before reporting to credit bureaus.
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77586
Web
Approximately two weeks ago on XX/XX/2021 I contacted Financial Account Services Team regarding a collection account with a balance of {$220.00} listed on my credit report. Utilizing the rules of the FCRA I asked the agency to provide proof that they were legally allowed to report this account to the credit bureaus at my expense and that they owned this alleged debt. I also asked for validation of the account a signed contract between myself and their agency or a signed contract between myself and the original creditor XXXX XXXX as I do not have knowledge of this account. Neither items were furnished to me. Although I disagree with the validity of the said account Ive tried on numerous occasions to reach an agreement with Financial Account Services Team. I tried speaking to several different representatives to no avail about settling the account and have the information removed from my credit report, each agent refused.
01/30/2024 Yes
  • Debt collection
  • Rental debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37922
Web
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Financial Services Accounts Team , Inc attempting to collect a debt in the amount of {$5000.00} on behalf of XXXX XXXX XXXX. The letter stated the company accepts disputes electronically at XXXX and I must reply by XX/XX/XXXX. On XX/XX/XXXX I sent a dispute email to XXXX. I disputed the debt and advised the agency I was working with a paralegal with XXXX XXXX XXXX XXXX and he had forwarded my case to an attorney prior to the alleged debt being sent to their office. On XX/XX/XXXX I received a notification from the CRA that the Financial Accounts Service Team , Inc. added the debt of {$5000.00} to my credit file. On XX/XX/XXXX I sent a letter via email requesting the company remove their negative mark from my credit file and that I am reporting them for violating my rights under the CFPB, FDCPA, and FTC.
04/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 378XX
Web
I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report. Ive attached an itemized statement dated XX/XX/23 showing XXXX balance due, nothing past due and that the {$670.00} is showing as a credit that was applied to the balance putting the account as paid over what was owed in the amount of {$20.00}.
09/18/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 379XX
Web
I contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.
03/31/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75287
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) XXXX ... FIN ACCTS SV ( Original Creditor : 09 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/08/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • XXXXX
Web Older American, Servicemember
My Husband and I have received letters from a Collection Agency in regards to a debt we allegedly owe so in return we requested validation for both of us. The original letter from them apparently indicated we both are debtors from the business they purchased the debt from. First : The validation we received did not indicate my husband was a debtor. Second : This Collection Agency is attempting to make us pay an amount above the original debt by adding fees and interest. This violates the Fair Debt Collection Practices Act both Federal and the State of Tennessee. Third : They refuse to answer all the validation questions I sent them that were within legal parameters to ask. I would like to mention this Collection Agency has had several complaints against them with the XXXX XXXX XXXX for the same violation.
03/29/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OK
  • 74112
Web Servicemember
In XX/XX/XXXX I contacted Consumer financial services at ( XXXX ) XXXX after being asked my name, ect. I told the woman that I noticed a collection on my report I didn't recognize after I talked to XXXX the day before. She tried to tell me it was from cable/internet bill from XXXX at an address I didn't live at. When I told her that, she started to get louder and told me that " it was obviously my bill since they had my social security number ''. I told her that I had several accounts opened fraudulently when I was in the hospital and that this was not my bill. She then said I can submit my proof in writing but until it's resolved they with continue to report the bad debt against my credit. Then she hung up on me. FIN ACCTS SV Past Due : $ XXXX Chargeoff Original creditor XXXX XXXX XXXX
04/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38002
Web
Early XX/XX/2019 I received a collection letter from XXXX XXXX XXXX ( aka Financial Accounts Services Team ), located at XXXX XXXX XXXX, XXXX TN XXXX stating that I owe a debt of {$200.00} to them for a check that was written to XXXX. I disputed the debt and asked FAST to provide verification that this is a legit debt they are attempting to collect. This debt was paid in full to a previous collection company that had the debt prior to XXXX XXXX XXXX. I communicated with XXXX that the debt they are attempting to collect is not accurate and that it was previously paid to the collection agency that had the debt prior to them. They have have since placed this collection on my credit report. Please assist with getting this inaccurate collection removed from my credit report.
02/06/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37207
Web
For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!
08/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76227
Web
Proof of amount owed and check numbers. I do not use checks, and they are saying I used checks to pay for food at XXXX XXXX XXXX XXXX. I went to XXXX with the letters and they said they don't even accept checks, and it looked fake. The company trying to collect this fake debt is Financial Accounts Service Team at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX They called ALL the time a year ago, I went to XXXXXXXX XXXX and they verified that the check numbers are not valid. XXXX once again said they don't even accept checks. FAST stopped contacting me until again today. This company is not accredited and is completely fraudulent.
03/15/2023 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 378XX
Web
I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report.
09/29/2020 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TN
  • 37934
Web
On XXXX I received a robocall from a debt collector to my cell phone that does not identify me but a message was left with my name and that they were trying to collect a debt I called the company and told them to stop using robocalls to collect as this was a violation of my rights. Today XXXX this same company called my wifes phone which also does not have any identifying information with a robocall saying they are a debt collector and revealing my name and they are trying to collect a debt which they have already been asked not to use a robocall and they revealed info to someone not involved
06/09/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30248
Web
I have requested a debt validation letter on two separate occasions. For my own records, I did record the conversations of me requesting them. I have yet to receive them and am being continually harassed by this company. They went so far as to say that if I paid them, they would lie to the credit bureaus and have it removed. I asked for this in writing so I could report them and they stated they could only give a verbal agreement. Letting me know, they lack proof of this debt and this is simply an attempt to collect money from a working class American.
04/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 74701
Web
This was paid and this same debt collector after it was removed by your own organization deleted it and then the Finl Account Sevs Team added it back to my credit report. I do not owe this bill with XXXX XXXX XXXX. You can call XXXX and ask them. FINL ACCOUNTS SVCS TEAM keeps putting it on my credit. I am considering legal advice next time it happens due to it being the second time that this company has done this to me. I have called them and they told me they would not remove it from my account. The amount is for {$190.00}.
06/18/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76262
Web
On or about XX/XX/2020 FAST Inc. received a request for verification of a debt from me. FAST replied on XX/XX/2020 claiming fraudulently to have confirmed the information. The information written on the checks is obviously not mine. Neither the drivers license number nor the date of birth or signature are mine. The checks clearly were not written by me and it is obvious that FAST INC has violated the law by continuing to post inaccurate information to my credit file.
12/09/2019 No
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TN
  • 37876
Web
Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number. They've given him information about me such as the doctor the bill is for and the amount I owe. I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.
11/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 74701
Web
I called and told them the account was paid up through XXXX and I owed no account and the lady told me that it would stay on my credit report even after I told her to contact XXXX and that they said I owed nothing. I filed a dispute and it was rejected. This is the company below that claims I owe money to XXXX when XXXX says I owe nothing. CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
03/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 74701
Web
Financial Account Services is reporting a paid balance of {$53.00} to XXXX. This account was paid directly to the original creditor before this debt was reported to the bureau. I never received proper notification of this debt as outlined by FDCPA 809 ( b ). I have requested documentation of verification by mail as of XX/XX/22 from Financial Account Services it is now XX/XX/22 with no response.
03/17/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 315XX
Web
The XXXX Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}
10/31/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37209
Web Older American
This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.
03/28/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37921
Web
Financial services team has placed a collections on my credit report. The debt is not owed! It is false and fraudulent. I have attempted 2 times to have it remove from my credit report. The account is coming from XXXX XXXX XXXX. They are a very dishonest company with many negative reviews.
12/06/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37013
Web
Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX XXXX. I never lived at that place and they continue to report this false information on my credit report.
01/02/2020 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
  • Was not notified of investigation status or results
  • TN
  • 37830
Web
I have requested debt validation TWICE from Financial Account Services for several accounts that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
12/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
There is a Financial Accts Services reported on my credit file for some place called XXXX XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE
06/30/2018 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37849
Web
XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''. Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.
03/14/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 37919
Web
i recently received a copy of my XXXX credit report on XX/XX/2017 from which a collection was added without receiving any written communication of the above debt, which caused my credit score to drop XXXX points..
07/01/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 26505
Web
Company repeatedly calling my elderly father on his cell phoneeabing messages about my debt. They also call me repeatedly but should not be contacting my elderly father
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • VA
  • 245XX
Web Servicemember
I just had got sum sent to me in the mail that someone else made of me and all the info was incorrectly written
01/08/2018 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 385XX
Web
They repeatedly call and let it ring once then hang up. This is on a daily basis.
01/11/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 304XX
Web
12/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40503
Web
11/29/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37876
Web
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40503
Web
04/19/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 66002
Web
02/24/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66517
Web Servicemember
12/19/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73012
Web
12/13/2022 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15234
Web
11/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70605
Web Servicemember
04/28/2022 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37912
Web
10/13/2021 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38103
Web
04/08/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37830
Web
12/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74730
Web
10/02/2020 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37826
Web Servicemember
10/30/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37891
Web
04/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37822
Phone Older American
04/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70669
Web
04/11/2019 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
  • Investigation took more than 30 days
  • TX
  • 77632
Web
02/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 77007
Referral
05/22/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31642
Web
02/09/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71107
Web
11/28/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71107
Web
04/13/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75056
Web
10/11/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37129
Web
09/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37129
Web
06/08/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37849
Web
03/11/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MS
  • 39232
Web
03/10/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MS
  • 39232
Web
01/12/2016 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37918
Phone
08/19/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31501
Postal mail Older American
01/22/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • TN
  • 37757
Web Older American
12/12/2014 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37801
Web
08/16/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TN
  • 37802
Web
05/06/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • TN
  • 38111
Web