Financial Recoveries, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
02/11/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80525	Web
Originally the Collection agency had sent out paper mail. It wasn't until XX/XX/XXXX at XXXX that I was notified about what was going on with my assault bills and how they were sent to collection. I was told by police that my assault was getting evaluated and the person that hit me would be paying for these bills that Oshkosh Collection & Recovery is speaking of. In this conversation I asked why it wasn't sent to my insurance company and was in contact with my insurance company and Oshkosh Collection & Recovery. I was speaking with a manager about the situation and they put my account on an extended hold to process through insurance. There were 3 phone calls with this agency in XX/XX/XXXX on the dates of the XX/XX/XXXX,XX/XX/XXXX, and as well as XX/XX/XXXX. There were two phone calls on XX/XX/XXXX. XX/XX/XXXX there were two phone calls on XX/XX/XXXX, and XX/XX/XXXX. All of these phone calls were made under a XXXX XXXX XXXX number and XXXX XXXX XXXX. The XXXX XXXX XXXX number was Oshkosh Collection & Recovery phone number in the directory. The other XXXX XXXX XXXX number is an unknown number from Oshkosh that the manager was contacting me on. There was great communication between Oshkosh Collection & Recovery and myself and I was under the impression that everything was taken care of and my insurance was in use. On XX/XX/XXXX at XXXX XXXX I received an unavailable phone call, which I had answered and the duration of the phone call was 7 minutes. The whole conversation was the person contacting me would not tell me who they were. They had kept on refusing to identify their selves and had kept on repeating theyre self-asking for my name. I explained if you were not willing to identify yourself, this conversation would be ending. It was a very creepy call when someone is asking for myself and wouldn't identify their self or whom they represented. That phone call had ended and I didn't receive any other notification from this collection agency. Just a very creepy unidentifiable phone call under a restricted number. Later in XX/XX/XXXX I received another unavailable number phone call on XX/XX/XXXX. The duration of this phone call was 17 minutes. It was a representative from Oshkosh Collection & Recovery, which had explained that my medical bill had been placed into collections. I questioned when I was notified and the representative explained that they tried contacting me back in XX/XX/XXXX. I questioned them if it was a weird phone call where they wouldn't identify their selves on an unavailable phone call. They explained that unidentifiable phone call was proper cause to report to the credit bureau. I questioned the representative why they didn't have to identify there selves or who they worked for. I explained that this is trickery and I wanted to speak to a higher representative about the issue. I was told that the following day XX/XX/XXXX I would receive a phone call when the representative gets back to her office. At XXXX on XX/XX/XXXX I had called in to ask when I would be receiving my phone call back with a full explanation on what is going on. On XX/XX/XXXX, I received the phone call from XXXX, which had explained that they properly tried contacting me with out notifying who they are for my own protection. I explained that I had no idea who you were and now its on my credit. The conversation went nowhere and so I explained that I was going to contact higher authority and pressing a fair debt collections act on them. They told me not to contact them again. In the attachment is all of the phone records with this company from XXXX 's phone logs. I can provide you with any other information that is needed. I have nothing to hide and appreciate your time in helping me with this dispute.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84720	Web
There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!
08/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54956	Web
I disputed a collection from a debt collection agency due to the collection not being mine ( identity theft ). The collection appears to be XXXX XXXX XXXX. I believe that my ex husband opened this account with his previous girlfriend while we were married 12 years ago and used my identification information ( state issued ID, social security number ) instead of hers due to her having a criminal record. The debt was for renting an apartment. He has since then filed bankruptcy and was relieved of the collection but it remains under my name even though it is not my debt and I did not authorize the use of my identity. The collection is not on my credit report, it actually was dropped from it due to the identity theft claim. The collection agency sent me a letter XX/XX/22 stating I still owed this debt. They are threatening to garnish my current husband 's wages for it even though it is also not his debt. The collection amount is {$5000.00}, originally from XXXX XXXX XXXX. The collection agency is Financial Recoveries Inc, located in XXXX XXXX XXXX WI.
02/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 549XX	Web
Reported it to credit bureaus only XXXX has removed them, sent court documents, hired attorney to stop garnishment unconditional release of garnishee was signed dated by plaintiffs attorney XXXX on XX/XX/XXXX, financial recoveries inc after unconditional release signed again is trying to illegally garnish my wages, they have falsified documents to XXXX and XXXX saying this is a creditor who hired them when this is a small claims case for eviction back in XX/XX/XXXX, when I requested from them meaning financial recoveries how they got this they refused to say exactly how they got this, when asked to show documents if hired by the XXXX XXXX they hung up the phone, they have stolen from me over a {$1000.00} never reported it to the credit bureaus nor have they sent any money to the courts like they are to when it comes to any and all court order judgements
02/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NE 68701	Web
I sent a validation letter to the debt collector regarding this alleged debt via certified mail return receipt and received a letter back saying that I didnt provide any information for validation of the debt. They sent this letter the same day after the validation letter was sent to them. Therefore they have refused to validate the debt. They have not even so much as investigated as provided by the almost immediate returned letter. I have provided my name, address and other verifying information which they do have because they are marking it on credit report. I will provide copies of everything I have sent and received
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web
XXXX XXXX XXXX XXXX last reported on XX/XX/2023 that I owed {$5900.00}. I contacted them and they told me they sold the debt to a third part debt collector ( who is not mentioned on my credit report ), which I then contacted after and the third party debt collector told me I owed {$9000.00} from undocumented reasons that's unaccounted for and they refused to fix the incorrect remaining balance and dates.
08/15/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 54904	Web
The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to Financial recoveries Inc. and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.
10/06/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	WI 54952	Web
XX/XX/ I received a notice in the mail that I owed a debt from XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX to get information they said they didnt have any and to call the collection agency. XX/XX/ I called the agency and have yet to hear back
02/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI XXXXX	Web
I am continuing to receive calls from this company ( as recently as XX/XX/2018 at XXXX/XXXX XXXX ). My bankruptcy discharge has already been gone through. I'm continuing to have calls ever since a " XXXX '' called XX/XX/2018 at XXXX.
05/02/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	WI 549XX	Web
In XXXX of 2018 I took out two payday loans with cash in a flash totaling XXXX. In 4 years and 9 months they had added so much interest theyre now saying I owe more than XXXX.
03/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53206	Web
they say these accounts is accurate after dispute but fail to validate so please validate these account.
04/21/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 60014	Web
Financial Recoveries Inc is calling and threatening me for a debt I do not owe.
06/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 54935	Web

05/03/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 60014	Web

11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60014	Web

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60014	Web

06/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 532XX	Web

06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 54601	Web

04/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	UT 84117	Web

01/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 54136	Web

04/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61114	Web