FMS Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
Dispute Template for CFPB : RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FMS INC bal. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/12/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 324XX	Web	Older American
XXXX XXXX credit card Summary : The credit card company and its collection agency refuse to provide verification of the debt they claim I owe but continue to insist I make payments. In response to my inquiry, they sent incomplete information that does not show all payments made and the total due on the document they sent does not correspond to the amount they claim I owe. I have sent numerous letters and had numerous phone conversations and they still refuse to provide debt verification documents. Details : Due to unforeseen expenses, I fell behind in credit card payments, including XXXX XXXX. XXXX/XXXX sent my account to XXXX XXXX XXXX for collection. See attached XXXX form dated XX/XX/XXXX ( Atch 1 ). I made payments to XXXX for a year, then received correspondence from FMS Inc., dated XX/XX/XXXX ( Atch 2 ) that my account had been placed with FMS for collection. I did not receive any notice from XXXX, XXXX, or XXXX XXXX that my account had been sent to another agency. The FMS form included a balance due that appeared extremely high and I called FMS on XX/XX/XXXX to discuss this amount. FMS rep. XXXX XXXX told me the record showed my last payment was XX/XX/XXXX ( acknowledgment of payment made to XXXX - Atch 3 ). I said I made a payment in XXXX ( Atch 4 ). I called back on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ). She also said no payments had been received. On another occasion, I talked to FMS rep XXXX XXXX who said they would get a record of payments from their client and send to me. XXXX said I should wait until he gets the information before making more payments, and that he would call me. I also talked to FMS XXXX XXXX on XX/XX/XXXX who told me the client had not yet sent the records ( contemporaneous notes Atch 5/1-2 ). On XX/XX/XXXX I went ahead and made a payment ( Atch 5/3 ). When I received the information that was supposed to verify the balance due, the package was nothing more than copies of old XXXX bills. The last XXXX bill showed a XXXX balance and payment due the previous year ( XX/XX/XXXX ) of {$950.00}, considerably less than the balance claimed by FMS ( Atch 6 ). No records of my payments in the interim, including payments to XXXX XXXX XXXX were provided. I contacted FMS and was told this was all the information they had. I asked about my payments to XXXX but they said they could send me only the documents that XXXX provided. They ignored my claim that I had paid XXXX for a year then started sending notices to make a payment. On XX/XX/XXXX, I wrote to FMS with copy to XXXX and XXXXXXXX XXXX - sent by certified mail - reiterating the sequence of events, that verification sent was of incomplete, and requested each to provide the documents I had requested ASAP ( Atch 7 ). I did not receive a response from XXXX. FMS sent a form dated XX/XX/XXXX, stating that my XXXX credit card account had been closed and returned to XXXXXXXX XXXX ( Atch 8 ). I received a letter from XXXXXXXX XXXX dated XX/XX/XXXX, stating, " We are currently reviewing our records in order to provide you with a meaningful response. As soon as we complete our research, we will send you a letter than will explain the results of our review. '' ( Atch 9 ) I heard nothing more from XXXX for weeks so I wrote again XX/XX/XXXX, noting that I had not received a response, and providing copies of previous correspondence ( Atch 10 ). Then FMS started calling me again, after saying they had closed my account. I again wrote to XXXXXXXX XXXX, letter dated XX/XX/XXXX ( Atch 11 ) but have not heard from them. FMS continues to call me, usually with automated phone messages to call them. When I talked with an FMS representatives on XX/XX/XXXX, he continued to insist they had sent all the information they had. He repeatedly persisted with this argument to the point of harassment. Companies involved : FMS INC . XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX
08/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98372	Web
After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
02/11/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 837XX	Web	Older American
I was contacted several times by a company calling themselves FMS, a debt collection service. They asked to speak with " my name '', and I stated this is him, how can I help. They inform me they are FMS and it regarding debt collection. They then refuse to tell me who the creditor is, the reason of the debt and the original creditor until I give them my date of birth and social security number. I offered to verify they have the correct information or not but they refused to cooperate. I informed them I will never provide that information to a caller, don't care who they say they are. They informed me they can not help clear this up if I do not cooperate. I informed them not to call me again if they insist on this game playing. Since that first time I was called on XX/XX/2020 at XXXX MT and XX/XX/XXXX ( I do not have the time for that showing up but I am certain I can get it if needed from XXXX ). I do not remember the date of the original contact but so far I have told them 3 times to not call me again. First not to call if they continue with same withholding information until I provide private information then the 2nd and third time I told them not to call me again no matter what. I got a letter from them on XX/XX/XXXX that it is a medical debt from a local hospital demanding full price of {$3400.00} which would have been settled with insurance for about {$600.00}. Also, some of these debts may be covered through a Workers Comp issue but they do not outline all the charges, they just say ... Multiple - See Reverse, then just an account number and amount owed is listed on the back. Ridiculous! I have called back to get information but again need to verify all the social number, date of birth etc. Company is Oklahoma FMS, Inc. in XXXX Oklahoma. The original creditor is XXXX XXXX XXXX Hospital in XXXX, Idaho. I am sending a letter to them demanding an outline of charges and dates. They refused to provide information to me or even permit me to place a request over the phone for any information until I verify over the phone. I want them help to the full extent of the law and penalized for their behavior, demands, and phone calls when told to put in writing and not to call me.
02/11/2022	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	VA 231XX	Web
Hello and thank you for your assistance. Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in XXXX and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my XXXX Report, which is causing me a great deal of XXXX since I am applying for student loans for my XXXX. I originally Settled via FMS Incorporated, which was working on behalf of XXXX to recover the debt back in XXXX I promptly supplied them with a copy of my original Settlement Letter from FMS, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted FMS to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact XXXX multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and FMS, but XXXX said they " can not print one because it is so old, but if XXXX, XXXX XXXX or FMS want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.
02/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID 836XX	Web
On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.
03/23/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OK 740XX	Web
I get several missed calls and then when I do pick up I am hung up on and this time it was from phone # XXXX on XXXX @ XXXX pm XXXX. I called back and asked for a supervisor to find out why people are calling and hanging up on me and to the nature of the call as well. Repeatedly when I would ask a question I was responded to with a question. When I finally spoke to a " XXXX '' who claimed to be the supervisor he said he was with FMS and they are an asset management company. I had repeatedly asked if this is a " debt collection company '' for which again I would receive either no answer or a question back in response. This is very shady and deceptive to say the least and all I could gather from the call and from speaking to XXXX is that FMS is an asset management company and he said he was located in XXXX. I do have my call back to FMS and XXXX recorded and am more than happy to provide a copy by whatever means necessary. XXXX ended the call by asking if I wanted my number removed as if this was a telemarketing call. I told XXXX I am well aware of the FDCPA laws and and believe this is a collection call so I told him to " cease and desist '' not even knowing if in fact this is a collection call but simply due to the lack of information being provided by FMS XXXX XXXX, it just feels like a typical shady collector call.
12/28/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	GA 30080	Web
Hello, I opened a Visa Credit Card in one XXXX XXXX XXXX on XX/XX/XXXX with a temporary account number. The permanent account number and credit line should be sent to me with my card afterwards. However, I never received anything regarding this credit card until I received a call from a collection company ( FMS, INC ) recently. During the call, I found out that the mail address they had was wrong ( missing the XXXX XXXX " XXXX '' ). That's the reason why I have never received any documents from this credit card account ( issued by XXXX XXXX ), neither the physical visa card. I have copies of all receipts with wrong mail address, which have been resent to me by FMS. I will upload one month as example, but can provide all, if needed. As of XX/XX/XXXX, the total balance due is {$190.00} ( with initial balance {$38.00} in XX/XX/XXXX ). Additionally, my credit score has been impacted significantly. I have contacted FMS and XXXX XXXX to dispute the interests charged on this account and to get my financial score corrected on the credit report. Highly appreciated for your help!
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 712XX	Web
FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks
06/10/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 810XX	Web
I have asked FMS to verify that I owe this debt on three separate occasions. I attached the letter that i have sent. Their response has been that they only have access to certain information. They have not provided the original copy of the contract between myself and the original creditor, the proper legal assignment contract between them and the original creditor. A line by line accounting of the original account, including detailed transaction history. Proof that they are licensed to collect debt in Colorado. What they have sent are a bunch of statements with no transaction history. They just show late fees on top of late fees. Absolutely, no transaction history. I have spoken with a lawyer and he told me that without the above referenced verification this will not stand in court. Once, again I am requesting what I asked for in my original letter. If you can not provide that to me, collection efforts need to stop. This is a clear violation of the FDCPA
11/22/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85205	Web
Received call from FMS at work on XX/XX/XXXX and called that following day before there office closed and spoke with one of there representatives that I can not receive calls at the workplace. They advised me the number was removed. I Received another call on XX/XX/XXXX at work from XXXX XXXX. I then Contacted FMS XXXX XXXX XXXX ( FMS ) again since it was the weekend that following Monday and spoke with XXXX on XX/XX/XXXX advised XXXX to remove my work phone number from there list and advised them my workplace does not allow personal calls. I then received another call from another Male from FMS after my co-workers advised them I can not take those calls at the workplace. The company refuses to listen to my requests on having the company remove my work number since i can not take personal calls in the workplace. XXXX also threatned that if i didnt pay up there was going to be a nasty report sent to the major credit companies. She was short and rude.
03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 430XX	Web
15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
10/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR XXXXX	Web	Servicemember
In two written statements to FMS INC I've made it clear that the two accounts in collections that they hold on my credit report are not mine and are a result of Identity theft. Dates of both letters are XX/XX/XXXX and XX/XX/XXXX while expressing to cease contact. I received three calls today, XX/XX/XXXX and three calls a day for the last two months attempting to collect this debt. I've blocked each number. A new number calls each time and the voicemail state FMS INC in an automated attempt to collect. Today, XX/XX/XXXX a XXXX account was made with my name, pictures of my family and a profile picture that was not me. Also, a XXXX number was used. This account showed up on mother 's account impersonating me and or trying to gather information on me. Either way this is disturbing behavior and a part of a long series of behavior to either use my identity or collect on debts that are a result of identity theft.
04/06/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NY 10463	Web
Good afternoon, I received a phone call on XX/XX/2020 at XXXX XXXX from a private caller who then transferred me to a representative on my old nay account this phone call was from FMS collection. We are in the middle of a pandemic where my finances have been affected. the representative i spoke with was very condescending and belittled me. I explained my work has been affected and his response with a little laugh was we have to keep the economy going and we still have to pay bills. After explaining my situation he said he was going to report me as refusal to pay and hung up on me. I have not received any letters from this company at all informing me that they have my account. This is horrible and the worse phone call I have ever had to deal with. I would like to know what can be done about this and how I can get proof on who is handling my account along with a letter in the mail for a number to contact.
04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85381	Web
In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
04/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98499	Web
I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit
06/02/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OK 744XX	Web	Servicemember
Saturday, XX/XX/2018, XXXX XXXX. After repeated calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I called them back in an attempt to find out what the nature of the debt they were calling about was. After several minutes talking to XXXX XXXX where she got my information to make sure of my identity she finally told me they were a debt collection company and trying to collect a debt. This was after she questioned me about my identity. I asked what the debt was several times and was never told. I asked for a supervisor and again they began asking me my name, dob, social security number, address and phone. I declined to give the information again and was hung up on. I can't verify that this is a legitimate debt as they will not give me any information.
01/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34238	Web
On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.
04/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74133	Web
I have requested proof of validation on several occasions from this company. I have called FMS and they stated they no longer have this account and could not locate my information. Account is still on my credit report from this company and After requesting that information several times they failed to provide me with that proof that I am allowed to have by the guidelines. They failed to send me the requested proof and stated that they are not in charge of this account. I have no contract with this company so therefore I want this account closed and removed from my credit report. This account is under a law firm and payment arrangements are made, not with FMS.
02/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22701	Web
i received a call today ( XXXX ) from XXXX XXXX XXXX telling me i am in the rears on a synchrony bank/paypal credit card. I told them this is wrong, since i closed that account in XX/XX/2012 and the debt was paid off. I called XXXX XXXX who shows this card was closed with a XXXX balance and XXXX who says the same, account closed and no balance due. When i called back to XXXX XXXX XXXX they wanted more personal information that I was not going to give over the phone to someone i don't know and that i was reporting this to you. thank you XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX Phone number - XXXX XXXX used this phone number to contact me : ( XXXX ) XXXX
10/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 983XX	Web	Older American
My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. thank you XXXX XXXX XXXX
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	DC 200XX	Web
XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.
01/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32701	Web
As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.
02/02/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	WA XXXXX	Web
I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.
01/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	ID 83686	Web
I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. They are in violation of fcra.
09/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	WA 98338	Web
I was told by multicare they had sent my debt to collections where I was contacted by XXXX XXXX XXXX to set up payments of XXXX until debt was paid I have paid that off and when I recently checked my credit report I saw a collection for another amount to a different company that I was n't aware of. Multi care sent my debt to XXXX different collection agencies instead of sending the full balance to the same place which resulted in me having multiple collection debts instead of XXXX and that I could of had the debt paid if it had been sent to XXXX place.
07/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 27609	Web	Older American
Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now.
05/08/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75013	Web
Southern Management Systems contacted my phone from XXXX regarding a debt on XX/XX/2020 at approximately XXXX cst. I had a friend answer as i was busy and see what the call was about, they asked for me and said who they were, when my friend said that he was me the collector failed to verify with a date of birth or ssn, and just began speaking about my debts to my friend. This resulted in my info being shared in a way i am not happy with, anyone who this company calls could say they were me and just get all my info.
03/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 740XX	Web	Servicemember
XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX WAS GIVEN AND XXXX FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.
07/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73160	Web
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
08/20/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21117	Web
XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.
01/04/2016	Yes	Credit card	Billing statement	MN 55378	Web	Servicemember
We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.
01/13/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	IA 514XX	Web
A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt
02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ID 833XX	Web
I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.
04/19/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV XXXXX	Web	Servicemember
A criminal broke into my unit and stole my XXXX XXXX among other valuables. Inside my safe were items such as blank bank check books, ID Cards, and other personal sensitive documents. The criminal used my blank checkbooks to cash the checks at a XXXX. I received a letter from a collections agency stating that I owed {$1100.00} for the fraudelent check.
07/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83605	Web
My credit report is showing 3 accounts with FMS that were paid on XX/XX/2019. I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019. I have not received my letters and they are still on my credit report showing the balances. I paid XXXX, XXXX, and XXXX on XX/XX/2019.
07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60025	Web
FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.
04/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 493XX	Web
This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt!
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83709	Web	Servicemember
Collection account has been paid in full on XXXX/XXXX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.
07/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44121	Web
This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!
01/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32701	Web
FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.
05/21/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	ID 83686	Web
FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it.
06/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60445	Web
XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
04/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	DE 19701	Web
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
09/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32701	Web
On XX/XX/2019, sent a certified letter to FMS indicating that the original creditor had agreed to a settlement payment. FMS has not responded ( two months ) and continues to report debt owed on credit report.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07050	Web
XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company
02/16/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	AR 724XX	Web
Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83301	Web
collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report. Collection amount : {$150.00} assigned XXXX statue date XX/XX/22
05/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21237	Web
FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.
01/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK XXXXX	Web	Servicemember
FMS INC. calling and reporting on my credit collections account that is not mine as a result of Identity Theft.
10/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	WA 98374	Web
FMS inc just showed up on my credit with no mail no email no calls to me to inform me of this debt
08/07/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 080XX	Web
They contacted my work phone number when i would't answer my cell phone for them.
11/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

10/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92615	Phone

02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98026	Web

06/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Web

11/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72764	Web

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 741XX	Web

01/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74055	Web

12/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74105	Web

11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74013	Web

08/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92284	Phone

07/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 64081	Web

03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

01/26/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98329	Web

11/06/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	ID 83646	Web

10/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98466	Web	Servicemember

09/06/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33625	Web

08/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 74136	Web

07/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34655	Referral

05/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08844	Web

05/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20849	Web

05/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Web

01/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ID 83301	Web	Servicemember

11/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone

09/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02143	Web

07/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70127	Postal mail

01/30/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

12/07/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32257	Web

10/05/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27571	Postal mail

05/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85254	Web

03/09/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	ID 83687	Web

03/07/2017	Yes	Credit card	Billing disputes	MI 49426	Phone

01/23/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 19560	Phone

11/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33012	Web

11/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95011	Phone

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60419	Referral

06/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ID 83650	Web	Older American

05/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 48304	Postal mail

04/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73114	Web	Servicemember

02/09/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 08816	Postal mail

12/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07305	Referral

12/07/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 08816	Postal mail

12/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 71269	Web

10/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43230	Web

09/14/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 21212	Postal mail

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29669	Referral

08/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15857	Web

07/24/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NH 03444	Referral

06/26/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 464XX	Web

06/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07436	Web

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94080	Phone

05/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83716	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 28314	Referral

03/11/2015	Yes	Credit card	Delinquent account	GA 30331	Web

03/05/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CO 80911	Web

03/04/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 33016	Web

03/04/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60445	Web

03/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75217	Web

02/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MT 59602	Web	Servicemember

02/26/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 22624	Web

01/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75051	Web

01/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95131	Web

12/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	ID 83706	Web

12/02/2014	Yes	Credit card	Payoff process	LA 70648	Referral

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94611	Web	Servicemember

10/06/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 28678	Web

10/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 86004	Phone	Older American

09/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87111	Web

09/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28168	Referral

08/22/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76109	Web	Servicemember

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95382	Web

08/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90505	Web

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45069	Web

07/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WV 25705	Web

06/20/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48089	Web	Older American

06/18/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	AZ 86413	Postal mail	Older American

05/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 92116	Web

05/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11379	Referral

04/28/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NJ 08094	Referral

04/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97219	Web

04/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43906	Phone

04/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18045	Web

03/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	ID 83704	Web

03/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34207	Web

12/19/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30082	Web

12/14/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46410	Web

11/24/2013	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	KY 41051	Web

07/26/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IA 50070	Web	Servicemember