First Choice Assets LLC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/06/2023	No	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75035	Web	Servicemember
The debt collection company First Choice Assets ( XXXX ) has called my number and my wife 's number repeatedly with request for my personal information, which they say they already have and is looking to verify so that they can collect a debt. Everytime they call, they call from different numbers, with different area codes. And sometimes with different names of who they are representing. They originally called my wife in XXXX of XXXX looking for me. She forwarded the information on to me and I called the number they gave to her. XXXX asked for my personal data and I verify the accuracy of the personal data. They proceed to state that I have an outstanding auto debt tied to an address that I lived 12 years prior. I replied that the debt is not mine and do not call my wife 's nor my number again. They stated at the time, that I would be served with papers at my home that day and to remain there until the process server showed up. The operator then hung up. I did not stay at home and I did not get served papers. Nor did I expect to because I knew they were out of line. Recently on XX/XX/XXXX they called my wife 's cell number and my cell number, while we're both at work. I called back and after the operator verify my personal data and spoke about the same fraudulent debt I requested again that they stop calling our numbers. They called my number again on XX/XX/XXXX with another name. They stated that they were a law firm and left a message. I called back again. Again I requested that they stop calling. The call was disconnected. I called back and requested that they stop harassing us and the operator stated " Good luck with the lawsuit. '' And hung up the phone. The morning of XX/XX/XXXX they call both my wife 's number and my number. Again while we're at work. I call back and ask for contact information for the company so that I could report them. The operator would not give me any information, including the NAME of the company that's calling. She only keep stating that the debt is mine and that they will have to sue me. I continue to ask for contact information and the call was eventually disconnected. At the same time of me calling, someone who stated he was a " supervisor '' called my wife again and threatened to contact our home loan provider if the debt is not taken care of. I called back again and was forward to who I assumed told my wife he was a " supervisor ''. Again threats of served papers, liens at addresses was stated from the " supervisor ''. This is while I STILL was trying to get contact information for this company. The only this the " supervisor '' stated was the name of the company was First Choice Assets. He asked why do I need they information. I stated that I wanted to have my attorney deal them. He said " You don't have an attorney. '' and hung up the phone. They AGAIN call my cell phone 2 hours later while I'm still at work and left another message. I call back later and AGAIN request that they remove my phone number. They operator only said " It's removed '' and disconnected the call.
09/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33445	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST CHOICE/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on FIRST CHOICE/ XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. Sincerely, XXXX XXXX, Thank you
02/02/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30135	Web	Older American
Today XX/XX/XXXX I received a call today from First Choice Recovery, a debt collections agncy. Upon questioning the cs agent he got really rude, interrupting me and began threatening me saying he's gon na send officers out wth a letter. He said he was calling about a debt he said I got in XXXX from XXXX. Once I spoke to XXXX XXXX they had no acct for me being delinquent or going into collections, they told me they keep their records once they go into collections. I then called XXXX XXXX at First Choice Recovery back giving him the info XXXX gave to me and told him to send me the documents to validate his call and the said debt. He then told me he would send me the documents at the close of this business day, to which I have not received. I do not have this old debt nor do I claim this debt. I want to file a complaint against this debt collection company. I have worked at a debt collection company and do know that it is against the law to threaten anyone concerning a debt or anything else. Please forward this on to whomever will respond to this complaint. I am available for any information you need. I spoke to XXXX XXXX XXXX him my debit card nfo fearing their threats but after speaking with him I checked this info on the computer and made calls to the company XXXX XXXX and to First Choice. Once learning the truth I then called my bank and told them not to honor that draft due to fraud. I did not make this debt in XXXX, furthermore, the XXXX XXXX told me they did not service Georgia. We have been told many times on the news not to succumb to such tricks and yet I fell for it but rectified it. the said debt was back in XXXX from XXXX of which there is no record of me receiving the said funds nor any records of a collections debt from them in their system. I spoke with XXXX of XXXX XXXX XXXX XXXX, XXXX and can't recall the young lady that assisted me, both told me they hve NO RECRD of any debt in my name in their system or in those debts turned over to collections.
10/03/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 184XX	Web	Older American
Constant phone calls, when you answer the line hangs up! they keep calling my cell, my wife 's cell, plus my home phone!. They never leave a message!. So my wife called back the phone number, XXXX and was told that she was calling First Choice Assets. Then they asked to speak too XXXX Which is me. So my wife hands me the phone, and the person on the other end was XXXX, i cant remember his last name. It started out that he needed me to verify that i was XXXX by giving him the last 4 of my social security number, which i am sorry i did!! Then i ask XXXX what is this call about? He starts telling me that he is a dept collector, that i owe a balance from a medical bill which my insurance paid, and i am responsible too pay the balance owed.He tells me this is back in XX/XX/XXXX and the name of my insurance company was commercial medical ins. Now it gets better!, because he lets me know that this phone call is being monitored then tells me that i owe {$250.00}. I told XXXX that i have no idea what he is talking about, just send me papers and i will look at them. Then he goes into the next phase of his tactic 's asking me am i refusing too pay the balance owed?. Well by now i have reached my boiling point and lost it, i told XXXX yes i am!! especially to you! I might have cursed at him, because he raised his voice, which he did not intimidate me at all!! I told him to do whatever he has to due, and hung up! Also be advised that i did not have a Commercial medical insurance policy, and i do n't think they Exist.This phone conversation was on XX/XX/XXXX in the evening between XXXX.
03/16/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 920XX	Web
The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.
07/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30127	Web
The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?
10/12/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OH 45638	Web
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.
04/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 13045	Web
A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people.
12/02/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	CA 93010	Web
The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. This is the website for their company that they gave me : XXXX/
12/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14580	Web
I keep receiving calls from 1st Choice Assets. I owe XXXX debt, when they call they will not tell me why they are calling unless I verify my address first. They call me 2-3 times a day and I keep telling them to stop calling me. It is becoming frustrating because they call anywhere from XXXX to XXXX daily. I know for a fact I owe XXXX debt and have no liens against me. They need to stop calling me!
07/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30312	Web	Servicemember
I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.
01/19/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MD 20735	Web
When the company called me, I stated that they had the wrong number, they were looking for a XXXX. Then he tried to confirm the address and again i stated that had the wrong number and he states that I am just asking a question. Asked for the company 's information and advised that i would be filing a complaint.
10/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA XXXXX	Web
keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.
12/31/2023	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48234	Web	Servicemember

07/13/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web

01/13/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MI 48423	Web

09/11/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 48324	Web	Servicemember

07/20/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 63044	Web

06/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48640	Web

03/31/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11554	Postal mail	Older American

12/12/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	NY 14619	Web

10/16/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30341	Postal mail

10/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07306	Web

09/19/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	UT 84045	Web

08/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48386	Web

06/16/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 08630	Web

05/24/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92553	Web

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85023	Web

04/18/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	TX 78596	Web	Older American

04/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80247	Web

03/31/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33040	Web

12/05/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20016	Web