Frontline Asset Strategies, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89433
Web Servicemember
All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The debt they are trying to collect falls under this disclaimer due to it being from Identity theft. I filled a report with the police and FCRA. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
04/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23059
Web
Since XX/XX/2018 I have been harassed by XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies to the point of traumatization regarding a debt they have listed on my credit report. After I filed a formal inquiry into XXXX XXXX XXXX deceptive practices and predatory lending, they sent me a nasty letter from their corporate office acknowledging the cease and desist order I provided them. My letter to them included further direction to forward my cease and desist prohibiting further harassment or contact by phone and email to any collection agencies/debt buyers should XXXX XXXX XXXX elect to sell the debt to avoid further investigation. Shortly after I received their written acknowledgment, they tacked on $ XXXX of XXXX in erroneous penalty fees and sold the debt to XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies. As recently as today, I have been continuously bombarded with hundreds of phone calls, a litany of voicemails and constant threats of being sued in court, jailed and lifetime negative reporting to the credit agencies for the debt by XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies. When I called to get general information about their company, even without providing their collection agents with ANY personal information, they have been demeaning, sarcastic and truly make me fear for my life. When I call in to get general information their aggressive ill mannered collection agents make me question the ability to work through a successful bankruptcy. I have called their general service line just to get information about their company and I did not provide any specific account information, they start off pleasant and then become argumentative and keep telling me that they have already started the legal process to sue me and that it doesnt matter if I told the original creditor about my intent to file for bankruptcy. They yell at me in a caustic manner and demand that I pay them the balance or figure out my finances to resolve the debt including asking other people for money, taking out loans to pay the debt with them or telling me that they can keep the lawsuit at bay by making a payment over the phone with them. I never provided any of the phone representatives any information about my account or personal information like my SSN. Just general collection representatives that verbally assault me like Im a criminal. For nearly 9 months every single day I am sent emails from a host of collection agents operating under XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies. Some of the agents include XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and almost 60 additional collection agents with different email addresses and spoofed phone numbers repeatedly calling me all day long. These agents - who I am NEVER replied to, NEVER spoken to, and NEVER provided consent to contact me using my shared employment email or employment phone number send me emails telling me that they spoke to me and want me to make the payment with them that they lie and say that I agreed to over the phone ( having NEVER spoken me ). In recent months they have increased their level of threats and have begun to falsify contact records to bolster the lawsuit that they have been threatening me with. The collection agents have been sending me emails for a few months or so now telling me that I called them or that I spoke to them on the phone and they want to go over the payment plans we discussed. I HAVE NEVER SPOKEN TO ANY OF THEIR COLLECTION AGENTS regarding any kind of payment plans or any details about my specific social security number or debt with them. I have included just ONE of hundreds of emails they flood my work inbox with, disclosing the debt to my coworkers. I am humiliated by their actions and outright lies saying that I have called them or that they called and spoke to me and talked about me providing my payment information to settle with their office. I have all of the phone records for their calls to me including all of the rapid back to back phone calls and disconnects on me, the harassing voicemails, the harassing emails from XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies and their agents and along with having to include them in my bankruptcy filing, I am working with a legal advocate attorney to determine what other options are available to me and the other customers who are experiencing the lies, threats, falsification of records and credit reporting from XXXX XXXX XXXX XXXX XXXX/Front Line Asset Strategies. I have never provided my work email address to this collection company, I have never provided my work cell phone to this collection company and I have never provided consent for this collection company to contact me using my shared inbox work email address where others have access to my emails. The company continues to send me daily emails listing my personal information, amount of money owed, as well as partial account numbers that others can use to identify me and obtain copies of my credit report or impersonate me using information obtained from the emails sent. The original creditor XXXX XXXX XXXX was provided with a written notice prohibiting any contact using phone or email and requiring contact via postal mail service only. The notice provided to XXXX XXXXXXXX XXXX expressly explained that I did not consent to contact by them or their collection agents via any other methods. XXXX XXXX XXXXk acknowledged the notice with their reply to me in written and still continued their daily harassment until selling the account and now I have petrified of the tactics being used by XXXX XXXX XXXX XXXX XXXXFront Line Asset Strategies. I am called all hours of the early morning, throughout the day and well into the late night by their aggressive collection agents. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. They have called, hung up in my face, and called back to back, and back to back again. I finally had to ask my employer to change my phone number because of the harassing calls. Once my number changed, the number of emails I was getting went from 1 email from one agent daily to up to 5 emails+ in one day from several collection agents. Each branch/department of each of these collection agencies operates with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into each entity XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Front Line Asset Strategies including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue this kind of abuse.
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92592
Web
Creditor Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following account be verified and provide physical verification from creditor or removed immediately Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. According to federal, law, you are comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) Comply with the investigation requirements : 3 ) Should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C 1681b ; 4 ) Provide consumer credit file pursuant to U.S.C. 1681g et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalaid, derogatory information from my consumer disclosure report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete the account listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that this item has been deleted. Provide Physical Proof of Verification
04/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32034
Web Servicemember
On XX/XX/XXXX I went into a XXXX XXXX location to open a new XXXX account after 17 years with XXXXXXXX. I was doing this because I was receiving an offer that was much better than my current XXXX XXXX XXXX {$80.00} per month vs {$120.00} ). In order to open up my new account I needed to port my cell phone over to XXXX which required a call to XXXX. Over the course of my conversation with XXXX they informed me that my account with them automatically cancels with the port ( I specifically asked because I was ready to cancel separately ), and that despite my account payments being due on the 7th of each month that they do not pro-rate accounts. After confirming on the phone my account was cancelled I continued on with my new service. Then on XX/XX/XXXX as I was about to make my monthly credit card payment I noticed XXXX had charged me for a monthly payment on XX/XX/XXXX. I called their customer service line to ask for information relating to the charge since I was under the impression that my account was cancelled and the rep on the phone from XXXX informed me that I was correct that my account was cancelled but that she was unable to answer any questions in regards to the charge BECAUSE I was no longer a customer of XXXX and that I would have to go to a XXXX location in XXXX with an ID to get any questions answered about the charge. This is totally confusing to me by the way that a company can charge your credit card and then refuse to answer why they charged it because you are not a customer of theirs .... For the time being I waited and then on XX/XX/XXXX I noticed I was charged yet again by XXXX so I initiated a dispute with my credit card in regards to the charges that XXXX refused to answer questions about. Then on XX/XX/XXXX I received a letter from a company called XXXX XXXX asking for {$290.00} ( the amount of two monthly payments plus {$25.00} each for return payments ), so I finally went over to a XXXX store XXXX XXXX XXXX XXXX XXXX FL with my ID to ask why I was still being charged even though my account was cancelled. The in store reps looked up my account, confirmed for me in person that it was cancelled and that they had no idea why I was still being charged. At that point the in store Rep for XXXX called their customer service line to try and get the question answered. While on the phone I was informed that because my account was opened in XXXX that apparently I had been post paying my account all along, so the XX/XX/XXXX payment that XXXX charged me was for XXXX XXXX XXXX and that the XX/XX/XXXX payment was for XX/XX/XXXX through XX/XX/XXXX. I asked why I had previously been told incorrect information and she said she didn't know and that it didn't matter. I then asked if I made the payment for {$290.00} whether the matter would finally be settled and I was told yes. So it was my fault for not knowing I was on a post pay plan so I made the payment ( supporting documentation attached ) in order to move on. Then and this is where my dispute really starts, I received a letter from XXXX XXXX XXXX XXXX in early XX/XX/XXXX claiming I owed a new debt to XXXX of {$200.00}. I then initiated a dispute directly with them asking what the debt was for as I had closed out my account. Ive attached the letter I then received in response, it appears to be the typed notes of the XXXX Representative I spoke to during the previously mentioned in store visit. The notes are a bit difficult to read but they do confirm my previous conversation along with cancellation and list no other charges due on my account. So I then responded to XXXX XXXX XXXX pointing out the letter they sent me affirmed my version of events and again asked to please provide an explanation/itemization of what money they were claiming I owed XXXX. Since I then never received a response I had been under the assumption that the matter had been resolved until I received a letter earlier this month from a new debt collector by the name of Frontline Asset Strategies, claiming my account had been credited for {$120.00} and I now owed {$39.00} to XXXX. I then initiated the exact same dispute procedure with them asking to please produce an itemized breakdown of what I owed, why I owed it and the date the charge was added. Then a week after filing this dispute with them a received a confirmation letter stating that my identity was confirmed and I did owe the money, but once again provided no explanation as to what the money is owed for, no date as to when I had been charged, as well as no information as to why my balance had been lowered. This has been incredibly tedious and I am at a loss for why I have been continually ignored in my requests to provide documentation as to what money I supposedly owe. I can not be harrassed forever by XXXX as they continue to make up charges.
04/25/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95762
Web
I would like to raise complaint against XXXX for following avoidable event 1. fraudulent billing practices to charge their customers excessive amount by giving misleading statements about their billing cycles ( payment made in concurrent month before billing cycle ends but claim that payment is made in arrears ) 2. not capturing accurate payment details against the account ( first month payment made via XXXX XXXX could not be found by customer service rep in Payment history ) 3. Not sending a final settlement bill if money was owed, explaining what it was owed for with a supporting detailed bill 4. Sending unnecessary delinquency notices after 4 months of quitting their network. 5. Using a Debt collector - Frontline Asset Strategies who is towing XXXX 's line and not shown any intent of course correcting, reviewing the facts and resolving the matter amicably. They just don't want to listen what you have to say! Not even look at the evidence you provide! Extremely rude by not letting you speak up despite telling them that you dispute the bill. Below are some details timeline wise XX/XX/XXXX - Joined XXXX XXXX XX/XX/XXXX - Left XXXX XXXX XX/XX/XXXX - XXXX sent an outstanding bill of {$260.00} for past due of payments. So, I called their customer service at XXXX XXXX to provide proof of what is this amount due for. They mentioned I did not pay for billing period XX/XX/XXXX to XX/XX/XXXX. I told the agent that I left XXXX network on XX/XX/XXXX and the same day lost access to my account login as well as all phone service to my 3 phone lines effective immediately after porting my primary line to another carrier. I asked them why XXXX did not send me a final settlement bill if I owed them money and now sending notices of delinquent payment. I also requested for copy of final settlement bill ( XXXX to XXXX with detailed break up ) which they never sent. The next I received was collection notice. XXXX - XXXX - Received debt collection notice of {$260.00} owed to XXXX from debt collection agency - Frontline Asset Strategies XX/XX/XXXX - I spoke to debt collectors to understand what this debt is about and the response I received was that I have not paid last month 's bill ( XX/XX/XXXX ) of {$110.00} when I left their network and subsequently my account went delinquent and extra charges were added to the bill. I explained them that I had paid the last month bill ( XX/XX/XXXX to XX/XX/XXXX ) on XX/XX/XXXX via XXXX XXXX. The response was that " XXXX collects payments in arrears '' and this payment was for month of XXXX and not XXXX. I told them that I dispute this bill and also the statement you just made as I have been paying XXXX bills in the concurrent month via Autopayments which can be easily verified in the payment history. But, the debt collector representative refused to listen to this counter argument and did not let me speak nor did she explain the process of disputing the bill and how I can get this resolved. She just kept saying I need to pay the money as per XXXX XXXX notice. I sent them a document with proof of payments made to XXXX with my explanations. XX/XX/XXXX - Called XXXX to resolve confusion after learning the details from debt XXXX about their billing practice in arrears. I went through my payment details starting the day I joined their network to the day I left ( 4 billing cycles and 4 payments made ). The XXXX representative was not able to trace my first payment of {$140.00} in the billing history after going over the details. He acknowledged the issue but said it can not be updated in their system as this has already gone to debt collection agency. I requested to talk to the supervisor if he/ she has higher privileges to help update the payment history. The supervisor said nothing can be done about this and the matter can only be resolved via debt collection agency now. So, I created a detailed document of my payment history and sent to the debt collection agency. Also, sent a formal letter to record that this transaction is disputed. XXXX XXXX - Spoke to Debt Collection agency and was told that they will send the final settlement bill shared by XXXX and again repeated that " XXXX collects payments in arrears '' ( meaning next month ). Despite sharing all proof, I dont think that the debt collection agency has any incentive to resolve this matter in customer 's favour. Nor do I think that XXXX wants to correct this billing discrepancy at their end.
03/05/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43228
Web
XXXX XXXX Last 4 of SSN : XXXX Account Name : FRONTLINE ASSET STRATEGI To whom it may concern, Dear Credit Collection Service : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/XXXX and identified the debt as unpaid in the amount of {$210.00}. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account, with the condition that the collection will be removed from my credit report. Thank you for your cooperation. Best Regards
08/27/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10550
Web
I XXXX XXXX the federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt. Frontline Asset Strategies are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact Frontline Asset Strategies has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact DEBT COLLECTOR Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; 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 of any debt. Fact J DEBT COLLECTOR Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact Frontline Asset Strategies are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact Frontline Asset Strategies In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) 1692k of this title for failure to comply with a provision of this subchapter. Fact Frontline Asset Strategies are liable for {$1000.00} per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 190XX
Web
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
09/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 159XX
Web
I had received a notice in the mail from Frontline Asset Strategies ( dated XX/XX/2019 ) on or about XX/XX/2019 indicating that an account allegedly owned by me had been placed with them for collection. The current creditor name listed on the notice from Frontline was XXXX XXXX XXXX and the original creditor name was listed as XXXX XXXX XXXX XXXX. The alleged amount owed was {$630.00}. I do not have any account, contract, or business relationship with Frontline Asset Strategies, XXXX XXXX or XXXX XXXX XXXX. I disputed this debt within 30 days of receipt of their letter and on XX/XX/2019 I had sent Frontline Asset Strategies a written notice requesting validation of this debt and had sent it via USPS Certified Mail with signed delivery confirmation requested. I had indicated that this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that their offices provide me with competent evidence that I have any legal obligation to pay them. I had specifically requested that they provide me with a copy of the agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor as well as a copy of the agreement with their client that grants them the authority to collect on the alleged debt. I had received signed delivery confirmation from the U.S. Postal Service indicating that my correspondence to Frontline Asset Strategies was received and signed for on XX/XX/2019. Frontline Asset Strategies had then responded via a letter dated XX/XX/2019 and indicated that the attachments and information provided with this letter is information that your current creditor is able to provide to us for you at this time. Frontline had attached copies of billing statements for a XXXX XXXX account with their correspondence, however, they had failed to provide the requested verification of any signed contract or agreement that bears a signature. In essence, they essentially admit that they are unable to provide proof of a signed contract at this time since the only information provided by them was copies of billing statements. Copies of billing statements are not sufficient proof of a legally binding signed agreement or contract. On XX/XX/2019, I had also received a letter from XXXX XXXX XXXX indicating that they manage the account for XXXX XXXX XXXX and that they had initiated a review of the inquiry they had received. On XX/XX/2019, I had received another letter from XXXX XXXX XXXX indicating that they received a recent inquiry regarding the account and have enclosed an account summary which provides verification of debt. They had failed to provide verification of a contract or agreement that bears a signature. Since Frontline Asset Strategies and all of the affiliated entities involved with my request for verification of this debt ( XXXX XXXX and XXXX XXXX XXXX ) have all failed to provide competent evidence and proof of a signed contract or agreement, I hereby am requesting that all collection activity by Frontline Asset Strategies, XXXX XXXX and XXXX XXXX XXXX immediately cease and desist. I am also demanding that this account which is currently showing on all three of my credit reports from XXXX, XXXX and XXXX as a negative collection item under the name of XXXX XXXX XXXX be immediately and indefinitely removed from all of the credit reporting bureaus since Frontline Asset Strategies, XXXX XXXX and XXXX XXXX XXXX are all unable to provide competent proof of a signed contract which proves legal ownership of the stated account.
07/12/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72712
Web
I have charged off account from XXXX XXXX that was sent to Frontline Asset Strategies for collection. I'm not certain on the date Frontline assumed the collection process. However, I set up payment arrangements thru their online portal on or around XX/XX/XXXX. My total balance being collected was approximately {$3700.00}. In XX/XX/XXXX, I set up a monthly reoccurring payment of {$25.00} from my debit card to begin on XX/XX/XXXX. This process went as planned until late XX/XX/XXXX / early XX/XX/XXXX when I contacted Frontline Asset Strategies again to settle the debt in full. I wasn't making progress in paying this debt so I decided to reach out to Frontline to discuss a settlement. I initially spoke with XXXX at Frontline Asset Strategies on XX/XX/XXXX. We agreed on a settlement of {$2300.00}. My upfront payment was to be {$1500.00} which was debited from my account on XX/XX/XXXX. Then I would have 5 monthly installments of {$170.00} beginning XX/XX/XXXX thru XX/XX/XXXX. The agreement was to start this settlement and payment plan immediately with the reoccurring debit of {$25.00} on the XXXX of every month to discontinue. I had this discussion with XXXX and he assured me that the $ XXXX monthly payments would be canceled. All of this worked well and I was agreeable. However, the problem was with the cancellation of the reoccurring $ XXXX monthly debit that was still being debited from my account. The $ XXXX monthly debits have continued and have been processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These were supposed to stop. I have called every month that these debits have been coming out of my account. On XX/XX/XXXX, XXXX informed me that they weren't debiting {$25.00} from my account and that he had no record of the {$25.00} charge. He requested that I collect bank statements and send to his supervisor XXXX. I collected receipts that get sent to my email and forwarded them to XXXX 's supervisor. I got no response so I requested an update via email to XXXX on XX/XX/XXXX. When I got no response from that email request, I decided to call again. I believe this time I spoke with an individual named XXXX. When I spoke with XXXX, I felt that she had a better understanding of the situation and gave me confidence that this would be resolved. I was informed that XXXX was a new associate and may not have fully understood my request. She let me know that my request would be forwarded to their accounting department where the $ XXXX monthly debit would be canceled and that my ( at this point ) {$50.00} would be refunded to me. On XX/XX/XXXX, the {$25.00} debit occurred again. I emailed XXXX once again with no response. I called Frontline Asset Strategies for an explanation. I can't remember the person 's name I spoke with, but it was not XXXX. I was assured once again that this would be canceled and that ( at this point ) my {$75.00} would be refunded to me. During this time, I noticed that the {$170.00} for the settlement payment was not deducted from my checking account like we had arranged. It happened again XX/XX/XXXX so I called Frontline Asset Strategies again. I spoke to XXXX this time. Understandably, I was very frustrated and XXXX was less than helpful. I wanted to discuss why there was a delay in the settlement payments of {$170.00} was occurring and why the $ XXXX monthly debit was still not cancelled.
03/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94513
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account FRONTLINE ASSET STRATEGIC with a balance of {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
06/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 857XX
Web
Thank you for your support in handling this matter. My account was started XX/XX/XXXX and according to XXXX, cancelled XX/XX/XXXX. This is INCORRECT as I transferred ALL of my phone lines to XXXX XXXX XXXX XX/XX/XXXX. I have made numerous ( over 20 at least ) attempts to gather information via phone and email from XXXX Frontline Asset Strategies, and XXXX XXXX XXXX XXXX has given me multiple INACCURATE reasons for the collection : XXXXThey first told me that the account wasn't in my name, and therefore could not give me any information -The collection was due to an account they kept open even AFTER I transferred my phone lines ( XXXX XX/XX/XXXX ) -The collection was due to unpaid balance on a phone device -That the last bill on file was from XX/XX/XXXX for XXXX -That the last bill on file was from XX/XX/XXXX for XXXX -That the last service bill was from XX/XX/XXXX, and that there was a " {$100.00} for service charge, {$11.00} for late fee, equaling {$400.00} ''. A XXXX representative in XXXX of XXXX had assured me that the manager had assisted her in removing the erroneous information and I no longer owed anything- THEN soon after, they sent me to collections. I had asked for the voice recording of that call, to which they responded they do not provide those because they are only for training purposes. XXXX XXXX, a manager for Frontline Asset, REFUSED to give me any information on the start/end date for the collection account, or why the collection was transferred after I had submitted proof to them that I did not owe anything ( even after I explained to him that it was my right as a consumer to have information regarding a debt that was being attempted to be collected ). However, I appreciate those at XXXX because they have been very responsive and have helped me get in touch with XXXXXXXX multiple times. I asked XXXX for a year 's worth of statements, billing information, and payment information. I was given a generic statement stating that I owe a little over {$400.00}. There was NO INFORMATION on the bill statement for what the amount was in regards to or what it included. I have never been late or missed a phone payment, and I was told I needed to pay off both the phone device and any due debt prior to transferring my lines to XXXX XXXX XXXX. This collection is impacting my credit and also just causing me overall frustration and stress because I know that I do not owe any debt. I am attaching the statement from Credence stating that the bill service date is from XX/XX/XXXX and later- After I had already transferred all my phone lines ( shown in XXXX XXXX XXXX XXXX statment ). I am also attaching the disputes I've placed. After the overall dissatisfaction with my customer experience, I also began recording a few of the phone calls that took place with XXXX I have those also if needed.
09/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14623
Web
In XXXX I received a bill from XXXX for an account that I did not create. The day that I received the bill I called customer support and advised them this was fraud, they placed an alert on the account and told me I had to go into a location. I did so, and the representative submitted a fraud form. I asked him for further information on the account including a call history and where the calls were placed from, they would not provide this information ; the only information that he would give me is the other name on the account ( XXXX XXXX ) I do not know this person and that the account was created at a XXXX XXXX and calls were made to the XXXX XXXX. He advised me that I would be all set with the fraud form and someone will call me in a week or so. No call ever came. I received another bill in XXXX, and again I call customer support and advise them of the account being fraud and the person I spoke with adv. me to go into the location and that they would call me back later that day to follow up, I went into the location and spoke to the same representative as the first time, who adv. me that my previous fraud claim was denied as the charges were valid. The calls were made on the account but I did not create this account, have access to it before receiving the bill, nor make any calls on the account. He submitted another fraud form and asked that someone from the fraud dept. call me. Not only did I not receive a call back from customer support, I received a call from XXXX but when I picked up they hung up twice. I again asked for information on the account, they would not provide anything. Even after disputing this account from the day I received the first bill, this account was sent to collections on XX/XX/XXXX and can now possibly affect my credit if I do not pay this bill. This is essentially extortion because if I do not pay, then my very good credit will be affected negatively. They have not allowed me to prove that I did not create this account and have not provided me with any information in regards to this account. It was not until I spoke with the collection agency that I was told that my social security number was on the account ( Without my knowledge or my authorization ), they also mentioned a police report needed to be filed along with the fraud form. This was done and all the necessary information has been submitted with the fraud form on XX/XX/XXXX, I have yet to hear back on this. XXXX, did not provide me with either of those bits of information. They did not provide me with any opportunity to try to prove I did not create this account nor give me any necessary information to try to get tot he bottom of how this account was created and by whom.
08/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30060
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FRONTLINE ASSET STRATEGI Original Creditor : FRONTLINE ASSET STRATEGI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on FRONTLINE ASSET STRATEGI 11 XXXX XXXX XXXX Original Creditor : FRONTLINE ASSET STRATEGI XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which 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 XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
12/19/2022 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
  • Problem with personal statement of dispute
  • CA
  • 93036
Web
So XXXX sent money to an agency FRONTLINE ASSET STRATEGIES. I disputed the collection on XXXX, and I just found out that theyre continuing to say I still owe them when I dont. I was in a month to month plan with XXXX XXXX was not in a contract with XXXX and I owned my phone so I was able to cancel and switch services at any time. I waited until the month was over that I had paid for and I switched over to XXXX XXXX to save myself {$25.00} a month. I ended up in XXXX XXXX XXXX for a couple weeks during that time, so I was never able to formally go into the XXXX store or call them to tell them that I was switching companies. But regardless, I was paid up to date and they can see on their end that the XXXX number wasnt active anymore, due to me changing numbers and getting a new SIM card. But the whole point of being in a month-to-month plan is that youre not in a contract and that if you dont pay then your phone is shut off until you do pay. Had I not gone to XXXX I would had formally been able let them know. I was innocent and its sad we pay the cops salaries to destroy citizens lives everyday with ridiculous charges and treated horribly because they all have ego trips and should not be cops. But because of that, I had to spend what I had on a lawyer and XXXX, and am XXXX XXXX XXXX and the XXXX who lied and got me XXXX so he will be dishonorably XXXX for false report. Long story short, I had a lot of other stuff on my plate, to keep my freedom and the last thing that was on my mind was calling XXXX to say hey I switched companies. And like I said earlier, since I was not in a contract, I owned my phone and was paying month-to-month, I thought that they would just turn off my service until I paid for the next month, or they would see that i no longer had XXXX SIM card. I have the same plan with XXXX XXXX, and if you dont pay, they shut off your service until you do pay and thats how I thought XXXX was because there had been times previously where I couldnt afford my phone bill and they just turned off my service until I made a payment within a certain amount of time. Once I put in a new Sim card and changed my phone number, they know on their end that I am no longer with them, and I refuse to pay them {$120.00} when I dont owe that to them and theyre trying to be difficult which is the reason I left them in the first place always trying to hit you with hidden fees and saying you owe money for this your bill is more expensive this month. They are always so shady I dont owe them a penny.
08/23/2023 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
  • AZ
  • 85286
Web
I opened a new account with XXXX in XX/XX/XXXX online. I received the phones via mail and attempted to activate but was unable to do so. I spent more than 20 hours online over the course of a week trying to activate the new phone but it would not set up correctly. I was then told to go to a XXXX store to set up the phone but they too were unable to properly set up the phone and was told I had to contact them online since I received the phone via mail to have it replaced. I contacted XXXX online and was told there would be a {$70.00} restocking fee to replace even though it was not any fault of my own. By this point, I had been without cell phone or service for 2 weeks and did not want to pursue this account anymore. The agreement I had with XXXX is I could cancel within 30 days with no charge which I decided to do. In XX/XX/XXXX, I received a collection notice from Frontline Asset Strategies, the company who XXXX sold my " past due '' account to. I contacted XXXX and explained the situation to which they looked into and stated I did not owe any money. In XX/XX/XXXX I received another collection notice and contacted XXXX again, this time they sent me a guarantee email stating I did not owe any money and the issue would be resolved. Then again in XX/XX/XXXX, I received a notice from Frontline Asset Strategies regarding a past due balance. Again, I contacted XXXX and was told it would be taken care of. I did see it was removed from collections and I assumed the issue resolved. I checked my credit report today and see Frontline Asset Strategies have a collections account on behalf of XXXX for {$57.00}. I contacted XXXX and explained the situation but was told in XXXX, they deemed I did owe the money for phone service back in XX/XX/XXXX. I asked how it was possible I owed money when I never even had phone service which I could use. I then asked why wasn't I notified, the " supervisor '' XXXX, ID XXXX told me the account was written off in XX/XX/XXXX which is why I was not notified. Also, since it was written off there was nothing I could so other than to contact Frontline Asset Strategies to dispute the account. I find it incredibly fraudulent they atomatically posted a balance to the account when I was told it was {$0.00} then sent it back to collections and on my credit report without any notification. I am completely disputing this on my credit report and the money which XXXX says they wrote off since I have XXXX guarantee email stating there was a {$0.00} balance.
06/28/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85048
Web
I got a Home Internet Kit from a XXXX XXXX store in XX/XX/2021, but found that the signal was too weak at my home. So I returned it and canceled the service. They told me that I'll get some refund ( evidence email attached ). However, XXXX XXXX did not cancel my service successfully. They kept charging me and I didn't realize this fact until they made phone calls to me. I explained to their representative over the phone, and they told me they'll fix this mistake. After that, I didn't get any phone calls or bills until recently I found a record on my credit. Then I did the following : 1. I submitted a dispute on XXXX XXXX website. But they could not remove this record. 2. I made a phone call to XXXX XXXX customer service. They told me they don't have access to my account and asked me to stop by a XXXX XXXX store. 3. I stopped by the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. People there were very rude and refused to do anything. They just asked me to make phone calls again. 4. So I had to make a phone call to XXXX XXXX customer service in the XXXX XXXX store. This time I insisted to transfer my call to a manager. The manager explained to me that my account has been deleted. She gave a phone number to the debt collector agency ( Frontline Asset Strategies ). She also promised me to call that agency on XX/XX/XXXX ( I'm not sure if she did that ). She asked me to leave her my phone number. But so far I have not been called. XXXX. I made a phone call to Frontline Asset Strategies. They refused to fix that mistake even they could not explain what is included in that {$110.00} bill. Their explanation was " one-month bill plus interest '' ( phone call recording starts from XXXX, see here : https : XXXXXXXX XXXX ). I have to upload the recording like this because it's larger than 10 MB and I can't uploaded it to " attach documents ''. However, one-month cost is like {$55.00} only. I don't know what kind of interest rate could be that high. They also confirmed that they failed to send the bill to my correct address. So the fact is that XXXX XXXX mistakenly charged me for two more months. They forwarded my information to the debt collector. They can't fix the record because they have deleted my account. I don't know what else I can do. XXXX. After all these frustrating experience, I'm making this complaint on CFPB. I have attached the refund email from XXXX XXXX and the phone call recording with the debt collector as evidence.
12/05/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 183XX
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FRONTLINE ASSET STRATEGI, for committing identity theft. I have never given FRONTLINE ASSET STRATEGI, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with FRONTLINE ASSET STRATEGI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving FRONTLINE ASSET STRATEGI any right to collect on this alleged debt. I have never received any documentation requesting validation from FRONTLINE ASSET STRATEGI, before they committed multiple violations under the FDCPA and the FCRA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FRONTLINE ASSET STRATEGI, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it to my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FRONTLINE ASSET STRATEGI, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FRONTLINE ASSET STRATEGI, continues its collection efforts, I will file for litigation for actual damages caused and FRONTLINE ASSET STRATEGI, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202F. Your prompt attention and response are both requested and required.
04/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91605
Web
This complaint submission is in regards to a false credit report by FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by FRONTLINE ASSET STRATEGIES has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
05/05/2023 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 080XX
Web
Frontline Asset Strategies is attempting to collect a debt from me by XXXX. In early XXXX, I returned a newly purchased phone ( phone purchased within one week ) to XXXX due to issues with the new phone plan. I contacted XXXX, who stated I was able to return the device. I was then sent a return label by XXXX XXXXo have the phone shipped through XXXX. I delivered the phone to XXXX, who then accepted the package and shipped it to the XXXX headquarters in Texas. After several months, I was contacted by a debt collection agency stating that XXXX never received the device, and I now owe them {$790.00}. I was never contacted by XXXX stating the device was not received. I then contacted XXXX and received an email confirmation from XXXX stating the device was dropped off & received at the XXXX Texas location XXXX I was then continued to be contacted by the initial debt collector XXXX XXXX regarding the debt, even though I provided them with written confirmation that XXXX had received the device. I finally disputed the debt through the credit companies, and it was determined that the debt was invalid due to fraudulent charges. I am now being contacted by another debt company, Frontline Asset Strategies, that is stating XXXX states debt is still valid. I am now being told that it was not only the device but additional charges on my account ( my account was cleared before I stopped service with XXXX XXXX I was not sent a billing breakdown of the {$790.00}, only a statement showing I owed that amount ( no information or itemization of what constitutes the debt amounts ). When I have tried to speak with Frontline asset management, I am told various reasons as to why the debt is valid, including I was with XXXX since XXXX and I was not allowed to return devices, that it was from a past bill, that XXXX did receive the phone, but they can not find it in their warehouse so it is my responsibility, etc. I continue to be harassed by XXXX regarding this debt, although I returned the device and have confirmation from the shipping company it was returned. XXXX and the debt companies refuse to give me a breakdown of why I owe this debt, and I continue to get random reasons as to why the debt is valid every time I speak with a representative.
12/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10038
Web
I received a letter from XXXX XXXX regarding a debt of {$240.00}. This is an error I have tried to remediate with XXXX, but have been unable to since they dont offer an email address to contact them and their phone lines have hold times that go in excess of multiple hours. This started because when I cancelled ( XX/XX/XXXX XXXXXXXX XXXX ), I received a bill for XXXX XXXX XXXX Return Fees. This was billed XX/XX/2021. Then {$560.00} was charged to my credit card on XX/XX/2021. I called XXXX who then reversed my charges after verifying they received the XXXXXXXX XXXX XXXX returns. Then I received a bill of {$240.00} as well as your bill for collection of the same. This was in the second week of XXXX. I am very busy but have tried to resolve this with XXXX by calling the number on their Final Notice letter. I called at XXXX on XXXX waiting on hold for 40 minutes and 41 seconds. I called back to request that I be put on the call back line but got through to someone, who then said they couldnt resolve it, that it needed to be handled by their billing department. XXXX then transferred me, keeping me on hold until XXXX ( over an hour ). I dont have this amount of time available. I dont know why I cant just respond to them in email. They called me back and I spoke with XXXX in billing. She has said that this bill is in error and that I do not need to pay it. In summary, this debt is invalid as I have returned both XXXX XXXX which XXXX has confirmed and there are no remaining debts to be paid, which XXXX has also confirmed. I sent a slightly altered form of the above message to XXXX XXXX, but they didn't respond and instead chose to transfer the debt to FRONTLINE ASSET STRATEGI, who then set a Derogatory Mark against my credit. I have a credit rating of XXXX which is considered " Excellent '' but it has this mark for a minor charge which is unfair. It's worth me to just pay for it, but I don't want to due to the principal of this since I followed the rules set by XXXX and returned the items that I had borrowed ( the items simply allowed me to have adequate coverage that I was already paying for, from XXXX ). I've attached the original letter I mailed to XXXX XXXX, XX/XX/2021.
09/11/2020 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18702
Web
I received an email message from Frontline Asset Strategies on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to XXXX XXXX several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of XXXX XXXX. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, XXXX XXXX continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXXrontline Asset Strategies message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX XXXX.. If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} XXXX consecutive monthly payments of {$25.00} XXXX XXXX Strategies has implied there is monies owed to XXXX XXXX XXXX XXXX., Frontline Asset Strategies has misrepresented on whom they are acting on behalf, Frontline Asset Strategies sent a clear text message to a shared email address containing confidential information, Frontline urges immediate payment or face to the account being recalled and sent to a lawyer, Frontline Asset Strategies implied they have been trying to reach me, this was the 1st communication I had received from Frontline Asset Strategies. XXXX XXXX had been notified of the balance dispute via a direct filing with the credit reporting agency. XXXX XXXX has not taken any action, nor provided any response to the credit dispute. In countless way, Frontline Asset Strategies and XXXX XXXX have violated rules under the FDCPA.
04/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20748
Web
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX FrontLine Asset Strategies , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the validity of a debt that your client, FrontLine Asset Strategies , LLC, has claimed that I owe. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The reference number for this matter is XXXX. I am requesting that you provide me with all relevant documentation and evidence to support this debt. I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) provide consumers with certain rights and protections when it comes to debt collection and credit reporting. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to receive a response from the credit reporting agency within 30 days. The FCRA also requires that the credit reporting agency investigate any disputed information and correct or delete any inaccurate information. Under the FDCPA, debt collectors are required to provide consumers with certain information about the debt, including the amount owed and the name of the creditor. Debt collectors are also prohibited from using false or misleading statements in an attempt to collect a debt, and they must stop contacting a consumer if the consumer requests that they do so. I am disputing the validity of this debt and I request that you provide me with all relevant information to support your claim. In addition, I request that you take the necessary steps to remove any negative information that may have been reported to credit reporting agencies regarding this alleged debt. Please provide me with written confirmation of the removal of any such information from my credit report. It was explained that there would be no sort of credit involved by the XXXX XXXX representative and here I am being charged. This is a deceptive practice and this alleged debt is invalid. I appreciate your prompt attention to this matter and look forward to hearing from you soon. Sincerely, XXXX XXXX
05/18/2023 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
On XX/XX/XXXX I called the XXXX Company to transfer my XXXX cell phone lines from XXXX to XXXX XXXX The XXXX representative informed me that each line had an activation fee of {$35.00} dollars and that the XXXX lines would add up to {$100.00} dollars. The representative also informed me that I was going to receive XXXX SIM cards and as soon as I received the XXXX cards I have to activate them to start with the contract and service. I paid the {$100.00} with my credit card but the next day on XX/XX/XXXX I called XXXX to cancel the whole deal and told them I wanted the {$100.00} back to my credit card. After canceling the agreement with XXXX XXXX, I was calling many occasions to the company XXXX to get my money back and they always refused to do it, they told me that I could leave my money on credit for another time if I decided to subscribe with XXXX, I flatly refused and just wanted my money back but they XXXX did not want to return it. Due to this act of bad faith on the part of XXXX, I was forced to call the bank of the credit card and explained the situation and they raised me a dispute but did not assure me of the return of money but, on XX/XX/XXXX XXXX returned the {$100.00} to my credit card. Its been XXXX months since XXXX company gave my money and XXXX sends me a bill for {$100.00} for cell service, I called XXXX, I explained to the representative that I dont have any service with XXXX, he decided that next month it is going to reflect {$0.00} on the account and apologized for the mistake. XXXX months later, another bill arrives to my mailbox from XXXX with {$100.00} for service and {$25.00} for late payment, I call again XXXX explained the situation and the representative decides to remove the {$130.00} bill again. In XX/XX/XXXX I received another bill for {$130.00} dollars from the XXXX company for service and delay, I made another call to XXXX but the representative informs me that it will be a bit difficult because the account was already almost in collection and on the XXXX of XX/XX/XXXX XXXX, acting in bad faith, registered and informed the credit companies that I owed them {$160.00} dollars, being a lie to myself.
05/20/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • XXXXX
Web Older American
I tried to use XXXX internet service at my new location. I was sent their gateway device and hooked it up on XX/XX/2022 but I could not get service / signal. I tried to cancel the service from XX/XX/XXXX through XX/XX/2022 but XXXX customer service as well as 2 stores said they can not cancel. On XX/XX/2022 I asked the sales rep how I can get the service cancelled. For the next week I made numerous attempts to cancel but every attempt was refused by XXXX by unethical tactics... transferring me to another call center rep to start over, telling me they would call me back, hanging up on me, saying that only the initial sales rep could cancel, saying they could not verify me and finally lying that it has been cancelled and there would be no charges. However they still had not sent me the return label for their device so I stopped at a store to get a label and was told the account was still open and that only customer service could cancel. I immediately sent everything back to XXXX and again called customer service. I have spent well over 6 hours on the phone over a several week period trying to cancel the service and have repeatedly been told the account was cancelled and I owe nothing. However I was still sent a bill and weeks later I got a call from collections saying I owed money for the days I had used the service. I disputed this because I never had service/ signal in the first place and have been trying to cancel since 8 days after I received their gateway device. I was also told this would not be reported to credit bureaus until I heard back from XXXX about my dispute. I never heard back but just found out a claim was filed with the credit bureaus. I called XXXX customer service and was again told the account is closed and I owed nothing. So I called the collections agency who said I now owe {$92.00} instead of the original {$140.00}. I told them I am disputing the charge again because I never had service and they refused to cancel the account. XXXX 's unethical practices has cost me many hours of my time and damage to my credit report. I am enclosing a pdf of my conversations with the sales rep showing my attempts to cancel.
01/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85298
Web
I have spoken to the company in XXXX of XXXX. I have asked them to validate the amount and the debt in question. They sent me a graph picture with a blank account number and total amount due on XX/XX/XXXX. On XX/XX/XXXX my family and third party called me and let me know that the employees from Frontline Asset Strategies were harassing them with calls throughout the week, also informing me that they shared it was in regards to a {$4000.00} debt and I needed to pay or they would seek legal action against me. I emailed the company, Frontline Asset Strategies right away on the XXXX with the following statement : " My family & third party have contacted me to let me know that you have been harassing them about my account and you have contacted them on numerous occasions. You have also shared with them private information regarding my account which happens to be a violation of the FDCPA. Please do not contact any third parties, including my friends or family regarding my account with your firm. If you continue to do so I will seek legal action against your company and share the recorded conversations they have in regards to the shared information. In regards to my account, when we spoke XX/XX/XXXX, I requested a debt validation of the account to confirm this is or is not my account. You simply sent me a screen shot of a graph. Please, in moving forward, email or mail the appropriate findings and if you do call, please leave a message. I will return your call but I do not answer calls from unknown numbers. Moving forward, cease and desist all contact with third parties including family and friends. cease and desist in sharing my personal information with third parties. I do feel the best form of communication is through email so we are very clear moving forward. Thank you ''. Today, XX/XX/XXXX I received a call from another family member letting me know that Frontline Asset Strategies contacted them, were extremely rude and harassing looking for me threatening to seek legal action. I have requested Frontline Asset Strategies to not contact my family or third party and they continue to do so.
08/25/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • XXXXX
Web
The Frontline Asset Strategies Collection agency woman called me on XX/XX/2023 at XXXX from an unknown number listed on my phone as " XXXX XXXX MI '' ( XXXX ) XXXX. The call was 7 minutes long. I did not know I was answering a call from a debt collector. The Frontline Asset Strategies Collection agency woman spoke very fast and forceful in voice tone regarding a debt with my name on it that is a debt between XXXX XXXX XXXX and XXXX that I have case and ticket numbers for in trying to resolve it over the last 15 months. She repeatedly told me the debt is my responsibility and those companies are not responsible and that I need to pay today. When I tried to explain my situation to her about not having any money or income to pay today she said " Well you need to get a job! '' I don't have a job because I care for my XXXX XXXX daughter. When I told her that information she disregarded my situation repeatedly asking me how and when I was going to pay. I attempted to explain to the woman that I would call the company XXXX XXXX XXXX that is responsible for this debt in an ongoing case. I offered my case and ticket numbers and she refused to take them telling me that the debt is my resposibility. The woman hung the phone up on me not allowing me to finish my explanation. Sadly how she talked to me and treated me made me cry as all my efforts I've made to resolve this debt for the last 15 months ; which is not my responsibility at all were disregarded. I think the woman said her name was XXXX but I could be wrong because she was speaking so fast and forceful. I'd like to call Frontline Asset Strategies Collection agency and ask for the woman 's name but I am afraid to call Frontline Asset Strategies because I don't want any trouble or feelings of shame and fear again. I've never been spoken to like that before. I was in shock. My heart is broken hearing the Frontline Asset Strategies woman tell me to " get a job '' when my XXXX XXXX daughter is at stake here and this is a debt that is not mine. XXXX XXXX XXXX is responsible and it's been an ongoing struggle with them.
03/13/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33150
Web
YOU BROKE THE LAW!!!!!! Frontline Asset Strategies LLC, sent me, XXXX XXXX, the original creditor, pursuant 15U.S.C 1602 ( G ) a letter I received, dated on XX/XX/22. In the letter it states XXXX are Original Creditor which is a violation pursuant to 15 U.S. Code 1692e - False or misleading representations. However, XXXX sold my private information to Frontline Asset Strategies LLC which is aggravated identity theft and theyre using my Social Security number without my authorization which is a violation to the Social Security Act pursuant to 42 U.S. Code 408 - Penalties. This aggravated identity theft as well pursuant to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorism offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Just to give you more clarity of the violations you have committed Frontline Asset Strategies LLC. Please understand in this letter you sent me is a threat telling me if I dont respond by a date, The letter is harassment, annoying, obscene and profane language to me pursuant to 15 U.S. Code 1692d - Harassment or abuse. You are ruining my life and reputation with your actions and deceptive business practices. I am reporting you to CFBP, FTC, and FCC. It is clear Frontline Strategies LLC are crooks and seeking to take advantage of consumers to rob them and break federal/State laws. It is evident.
01/05/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20147
Web Older American
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XXXX XXXX, XXXX, which had not previously been mentioned and legal action was threatened. I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XXXX XXXX of XXXX, and by me on XXXX XXXX of XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in XXXX XXXX of XXXX XXXX, Virginia. The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. I want this account removed from my credit report.
01/05/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 20147
Web Older American
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. I want this account removed from my credit report.
01/21/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WV
  • 259XX
Web
Account # XXXX, XXXX In about XX/XX/XXXX XXXX represented that they could provide 5g home internet service at my home in XXXX, WV. When I received the device it did not work. For eight ( 8 ) MONTHS XXXX was " fixing '' the problem. They sent me new hardware, they were constantly " upgrading '' towers, and software. During this time I received NO services from XXXX and although they did attempt to charge me for several months, when I called the customer service line they could see that I was not receiving any service and either waived the bill or refunded the charges. After 8 months I sent their equipment back and we ended our relationship. They apologized and thanked my for my patience. However, a month later they sent a bill for the last month 's service to XXXX XXXX XXXX XXXX, WV. This address is not a valid address. The US mail does not, has not, and will not deliver to this address. Consequently, I never received the bill. I do not owe the bill, but I would have disputed it right then and there had I known. XXXX had my credit card information and my correct billing address at the time but chose to mail a bitll to a bad address. At not time previously had we communicated in this manner. In XXXX, XXXX my account was sent to collections and has negatively affected my credit report. I have contacted XXXX XXXX XXXX ( collections ) for a resolution and they referred it to T-Mobile who insists it is a legitimate bill. I have contacted XXXX who claim they can do nothing and I must talk to XXXX XXXX XXXX In summary, my reputation has been damaged in the form of my credit report for a delinquent bill that I never received, haven't seen, and is for services that I never received. The only resolution I have been offered is to pay. This strikes me as nothing short of extortion and I am sure if we can't resolve this, a formal court and the court of public opinion will see it as such, predatory.
10/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 301XX
Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Frontline, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
02/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 701XX
Web Older American, Servicemember
Late 2021 I ordered two cellphones from XXXX that were to be delivered to the XXXX store from where I ordered the phones. I received word that the phones were delivered to the XXXX store and ready to be picked up. When I arrived at the XXXX store to pick up and activate the phones the personnel at the XXXX store could not find the phones. I asked if they could order two other phones since they lost the two we had ordered. The store representative said they would look into this but may take a few days. I told them to then cancel everything since I have not received the phones and when they sort out what happen i will come back in and try again. As I heard nothing for several days I decided to go with another cellular company for my cellphone needs. Within a few weeks I started receiving letters from XXXX stating I owed XXXX money. That letter, and the 3-4 others that I received after with increasing amounts, did not state what specifically they were trying to charge me for, just giving an amount owed. Each time I received a letter I called XXXX to explain what happened. Each time i called they could see in the report that I did not receive the phones and said they would take care of this. However, within a few weeks I would receive another letter from XXXX sating I owed even more now. Then I stated getting phone calls from Frontline Asset Strategies saying they were trying to collect the debt. I explained the situation to them and also sent Frontline Strategies a certified letter explaining the situation, and stating I would never pay a cent for products and services I never received from XXXX. Now appears Frontline Asset Strategies has put this through as a collections on my credit report, thus damaging my credit for something I never received and should not be held responsible for.
10/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 731XX
Web
XX/XX/2022. I switchedfrom XXXX XXXX company and move to another. As soon as I changed I called them and cancel services. I had just paid my service amount just three days before the the 15. With this being said I called once or at least twice to made sure I didn't owe any money after talking to representatives they sated I waa fine, my account waa clear and I did not supposed to pay any more money my account there was clear and in outstanding. After 1 month, the month od march I received a " bill '' saying I owed {$170.00}, I called XXXX XXXX again and the male representative said he did not have a clue what that bill was. And he stated " it is probably a scam because you do not owe anything ". In may i received a final letter about collection for the amount of {$280.00} dollars. Now, I feel very frustarted and overwhelmed about this situation because they did not only lied to me but, they refrained from telling me if I owe anything at the very beginning from the cancelation date. They waited months to sent me bills and to collect as much as possible fees and charges that I am not even responsible due to the lack of knowledge and miscommunication amoung the company itself and representatives. So, they requiring me to pay such amount of money when in the first place the fail and refused to admit I owe anything. I need help in this matter please. One thing I want to be clear it is not about the financial issue, it is about preventing this unjustice act to keep happening to othe people. Is that how they make profit? Out of jard working eople that strive to pay their bills on time? Is that how they treat their customers after years of being loyal to their company? Do they provide excellent training to the workers to lie or omit information to the customers??
04/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90037
Web
My father had a XXXX cell phone account with my mother, I was not on this account and was not an authorized person on this account. My father died of XXXX on XX/XX/2020. My mother and I both tried to close my father 's account and pay out many times in XXXX, XXXX and XXXX. We each called t least three times and the call would drop or they told my mom a manager would call her back at least twice, and no one did. I went in person and they said I can not close the deceased line because I can't prove they are deceased and I am not on the account and therefore can not make changes. What they did decide to do is put the account in collections in XXXX and assign the collections to me. So somehow I was unable to provide a death certificate to close the account because I was not an authorized user but I was close enough to have the collections placed on my records. How abusive is this to not provide a method to close the account of deceased people during a worldwide pandemic. How starved is this corporation for my deceased father 's {$120.00} for a phone bill they refused to help close, after his death. I can not express how difficult it was to burry my father in a raging pandemic and then come home to deal with a collections account on my record for his phone bill. All other accounts I needed to clean up on his behalf allowed me or my mother a path to close the accounts, show death certificate and pay out but not XXXX They wanted to bill my dad for phone usage after his death. I am happy to provide his grave details, where they can dig for his wallet to secure the {$120.00} they are attempting to collect. I have filled many complaints via XXXX XXXX but the collections is still listed and I would like to report XXXX.
03/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30316
Web
On XX/XX/2023 I received an alert from my credit monitoring company advising that a collection had been added to my XXXX credit report. When I checked the report, I saw a {$190.00} collection account had been added by Frontline Asset Strategies. There was no original creditor listed and I knew that I did not have any delinquents and I had not received any correspondence regarding this. Therefore, I disputed the collection with XXXX who then supplied me with the proper information including the original creditor which was XXXX. I contacted XXXX on XX/XX/2023, and spoke to a financial specialist who determined that I, in fact, did not owe them any money but since the debt had been sent to collections, she transferred me to her supervisor to help get the matter cleared. The supervisor also agreed that I did not owe any monies and the mistake was on their end as my account was not closed out properly. The supervisor, with me on the phone, then called Frontline Asset Strategies to have them withdraw the collection. I recorded our entire call and on the recording, you can hear the XXXX XXXX confirm with XXXX XXXX, the Frontline Asset associate, on the phone, that the mistake was XXXX 's and I did not owe them any money. Still, XXXX refused to remove the debt. When she realized that both I and the XXXX representative were on the phone together, she said that she could not continue the conversation unless the XXXX rep disconnected. Once, she disconnected, XXXX proceeded to tell me that the debt could not be removed unless I provided additional information even though the XXXX rep told her that the debt was not legitimate. Once I told XXXX that was she was doing was illegal, she hung on me.
08/20/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78239
Web
I was contacted by debt collector on XXXX by phone the name of frontline assets strategy about a debt they say I owe. I told him I need more information from you before we speak about this, he began to ask for personal information from me which I was not comfortable giving, he said I need personal information from u before we can discuss anything he then proceeded to tell me my address where I work and was persistent on saying he knows that is me, i believe his commments to me were Illegal or unethical communication tactics, also by telling me u clearly know about this debt and saying I can see on your credit report u have closed other accounts and etc. so this must be yours. He continued to ask to verify my self with social security number I told him I wasnt giving him that, I requested to send debt validation letter to the address they had on file he would never confirm he would do that. I told him to only contact me viva mail or email. I also sent them an email as well to send debt validation letter to address on XXXX, and XXXX to date as of XXXX I still have not received debt validation letter. They responded to my second email of request and said since I had denyed knowledge of this, which I never said, and they were sending me a fraud packet to fill out. I feel I have asked within fdcpa regulations to request a debt validation letter and I still have not received one. Oringal creditor was XXXXXXXX, XXXX XXXX and current creditor is XXXX XXXX XXXX. There current name of creditor is frontline assets strategy, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, mn XXXX. Any help in this would be greatly appreciated I have tried with them and have received nothing in the mail.
05/18/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 14075
Web
On XX/XX/XXXX, I received a letter from Frontline Asset Strategies LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN XXXX stating that I owe XXXX {$80.00} for an account number ending XXXX which is different than my existing XXXX XXXX account number. I contacted XXXX XXXX to understand what was this account about and XXXX XXXX team could not locate the account. Then I went to the nearby XXXX XXXX service center to verify my credentials and later XXXX identified the account is for a wireless internet service which they claim that I opened XX/XX/XXXX. I was not aware of any such accounts. I have never received any email or phone or chat or postal communications regarding this account from XXXX XXXX and I didnt use any wireless internet service under that account. In fact ; I never knew I had a wireless internet account with XXXX until I received the notice from collection agency. I have never used any internet service under this account. Without providing any kind of communication about this matter, XXXX sent it to collections and collections reported this matter to credit agency. I disputed this charge and requested collection agency to provide all email/chat/postal correspondence regarding this account and usage information ( data upload/download for internet ) from this account. I havent received any such response from XXXX or collection agency yet. It is very upsetting to see that this is reported to credit agencies which will deteriorate my credit score tremendously. I wanted to file a complaint against XXXXFrontline Asset Services for unethical practices and request to remove the collection report from my credit report.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80127
Web
It started with calls every day to collect a debt with a XXXX mobile. It was linked to the last 4 of my SSN and the call center could not give me any info without an account number. I have never had an account with them or any other affiliated company. The debt people keep calling every day and telling me to get in touch with the XXXX fraud department XXXX So I called the XXXX customer service line and talked to a gal who told me to go into a corporate store and show my ID and they would be able to help me. The store manager lady said there was nothing they could do and gave me a paper with an email to the " Fraud Department ''. They asked me if there was anything XXXX mobile on my credit report and there was not on any of the 3. Before this, there was never even an inquiry from XXXX mobile on my credit report. Once I sent in the information to the fraud department all of the sudden it hit my credit report. Now I have been tied to fraudulent accounts. I have been to the XXXX mobile stores they can't do anything but give an email to a department that the call center has no clue about. The fraud department keeps sending emails wanting a police report but the police we got a hold of just gave us a number and a letter XXXX # XXXX, the phone number for this case is XXXX. I am XXXX and have a hard time with all this computer stuff. I just got off the phone with the call center who told me the police will take care of it all. I am so confused and just want this matter resolved! I feel hopeless I worked so hard for my credit score for a company that clearly doesn't check an ID or require a card on file to mess it up. Please Help!
03/30/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • XXXXX
Web
I received a Collection on my report and call them when they sent me the mail. On XX/XX/2023 I reached out to the company spoke with a representative and explain to her that this was illegal and explain this account was closed in good standing. I went to a XXXX XXXX XXXX store during covid because I needed the internet for school and I signed up for their {$55.00} internet wireless device that I was able to connect multiple devices and stream movies. Well the sales representative and according to the agreement I had 30 day to try it out and if I didn't like it then your hands are clean. It was a trial base. Well it didn't work very well where I lived and took it back under the terms and agreement and they even issued me a refund for the device I overpaid. But now they say I owe {$160.00} for service fees. I informed them to send me the contract and bill and they have not done so. I also stated that this was a trial and those who got it like my friend did and he didn't get this charge himself. She told me that its a service for fee and I told her what the sales representative told me and she said no its not the equipment its the service. I told her she was not present during the conversation with me and the sales representative. They made me get the internet box and t a phone that I didn't need or use because it needed to be connected to data. Well come to find out that this was not true and the sales representative violated California Frivolous laws that protect from mis representation and lies just to make a sale. So she refused to send me the copy of the contract the bill.
09/24/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28792
Web Older American
XX/XX/XXXX. Ordered Internet services from XXXX XXXX. Was promised services I never received! XX/XX/XXXX. My credit card was charged {$200.00} for services not received. XX/XX/XXXX. My credit card charged {$200.00} for services not received. Numerous, lengthy phone conversations with company to try to fix no service problem with no resolution, so finally requested that my account be closed which they did not do. XX/XX/XXXX. Filed services not received with my credit card issuer, XXXX XXXX. Was refunded the total of {$400.00} which XXXX XXXX was automatically charging me for. After investigation by XXXX XXXX, {$400.00} refund was made permanent which meant that the charges were wrongly made by XXXX XXXX. Up until XX/XX/XXXXXXXX received monthly bills from XXXX XXXX and Frontline debt collectors, for the amount of {$750.00}. Made phone call to Frontline explaining that I had never received ANY internet services from XXXX XXXX and therefore I did not owe them any amount of money. Spoke with Frontline 2 times, XXXX and XXXX, and XXXX XXXX in XXXX, Can provide proof of ALL phone calls if necessary, during which I asked for an explanation for the then amount of {$750.00} which was alleged that I owed and they could not give me an explanation!! I am requesting an investigation of this matter so that my excellent credit rating can be restored. This company, XXXX XXXX, are crooks and I am pretty sure they have done this to others and I would like to help stop these wrongful charges by them. Thank you!
04/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 452XX
Web
XXXX XXXX XXXX has not verified the debt after 30 days upon receipt of a debt verification request. I was advised to send the letter to their third party collecting agency which is Frontline. Frontline refuses to provide verification and referred me back to XXXX even though federal law says they have to send it within 30 days of receiving that letter. I spoke to XXXX at XXXX at about XXXXXXXX XXXX on XX/XX/XXXX and she did confirm that frontline was their third party collector and that the certified debt verification request I had sent was on my file at XXXX. Since Frontline is acting as the collector for XXXX and they scanned the letter into my file, my rights will be violated as of XX/XX/XXXX because tracking shows the letter was delivered that day at XXXX XXXX. The tracking number for the letter is XXXX. I spoke to a XXXX at Frontline at about XXXX on XX/XX/XXXX and he confirmed that Frontline is collecting for XXXX and that they had received the letter. He also called me by the wrong name, was generally evasive and made me feel like this is something they do all of the time to evade federal law. Also the first time I called someone at XXXX they refused to give me their address for mailing a dispute because I would not verify my mailing address until the debt was verified. I believe this is also a violation of federal law because that is essentially not allowing me to dispute. Now that I look on the website for XXXX it has yet another collection agency with a different address.
06/22/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • UT
  • 84088
Web
The issue is with XXXX and not the collection agency. I was in Nevada in my RV staying at an RV park. The parks internet did not work so I went across the street to XXXX where I purchased wireless internet for my RV. The rep that helped me said she has to put the RV park address and not my home address because I was in Nevada. She said once you get home you can go to any XXXX store and update it with your current home address. I did that. I got home and went right to the XXXX store and updated my address with the reps there. Months have passed and one morning I woke up to multiple zero balance credit accounts being closed because of a recent collection. I pulled my credit and saw it was XXXX. I called XXXX and they had all the RV park information on file still after I went in and changed it. I was transferred multiple times and after hours and hours and only filipino support, I didn't know what to do. I tried explaining I did what I was supposed to do as a consumer and updated my address. I feel I was set up from the very beginning by the sales agent and the incompetent employees at the local XXXX store. Today I called the collection agency and paid the debt in full. XXXX needs to be held accountable as they do not even have anybody to speak to or escalate issues like this. I even went in to speak with them in person and they said it was turned over to their collection agency and they could not do anything. This whole situation has been so frustrating.
03/19/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28213
Web
in XXXX, I learned that a collections agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had place in account in my name with XXXX or more of the credit bureaus. On XX/XX/XXXX, I sent an email for verification of the debt to the collection agency. I did not receive a response, I then subsequently sent a follow-up email on XX/XX/XXXX, XXXX and learned that the collection agency blocked me from further contacting them by email. I have sense been trying to call them, they informed me that the account was being handled by one of their subsidiaries, XXXX XXXX XXXX. I reached out to to this subsidiary in order to try and remove this debt. For the most part, the communications have not been put into writing. I informed them that in an effort remove this debt as quickly as possible, I was willing to offer a settlement. At first my offer was accepted and payment was made by check on XX/XX/XXXX. A week later on XXXX, XXXX, I received a phone call requested payment again. I informed the company that I will not be giving my payment information twice and disconnected the call. I contacted XXXX, to dispute the debt but nothing was done, and they unwilling to provide what verification they received to include the debt on my account. I am reaching out to file this complaint because I feel that this company, haven't not provided verification of the debt and requesting double payment, is making an effort to obtain payment that it is not owed.
02/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 211XX
Web
Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.
06/10/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08844
Web
XXXX has been sending me bills since XXXX, XXXX with an amount that I don't owe. I am not a user of XXXX and I don't have any active line either. I called XXXX customer care every-time to resolve and they asked me to visit nearest store. I went to store and they confirmed that I don't owe any money. It is taken care. They said, if anyone asks for confirmation we have a note against your account # XXXX for XX/XX/2022 at XXXX XXXX. I have asked to email or send me the note but they said that we are not authorized to share via print. with this story, I received a debt collector in XXXX, XXXX and I called them about the debt but they confirmed, XXXX has confirmed that I don't owe that amount so we are good. Then I received another debt-collector name ( frontlineas.com ) Phone XXXX and my debt reference # XXXX. Once I reached Front Line then I marked this transaction disputed again. They never responded but I reached them after 3 weeks to check if we are good then they mentioned that XXXX has confirmed that you owe this money. I dont have any dispute written confirmation but they asked for amount so I paid them {$290.00}. I am in a circle of scam with XXXX with these debt-collector. You can check my credit history, I am very upfront to pay off my bills and outstanding but this amount is a fraud on XXXX with the support of these debt-collector. Please help me to get out of it.
09/22/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77034
Web
Complaint against Frontline Asset Strategies , LLC To Whom It May Concern, I am writing to file a formal complaint against Frontline Asset Strategies , LLC, a debt collection agency that has been relentlessly pursuing a debt that I have disputed and informed them to cease all communication and harassment as per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). I assert the following rights : 1. Right to Dispute and Discharge Debt : I have the right under 15 U.S. Code 1692g subsection a & b to dispute and discharge this debt. 2. Fair Credit Reporting Act ( FCRA ) : Frontline Asset Strategies , LLC is in violation of the FCRA by continuing to pursue this debt, which I believe is unverifiable, inaccurate, or incomplete. I request the following actions be taken : 1. Immediate Cessation of Communication : I demand that Frontline Asset Strategies , LLC cease all communication with me, as per my rights under the Fair Debt Collection Practices Act. 2. Removal from Credit Report : I assert my right under the Fair Credit Reporting Act to have any inaccurate or incomplete information related to this debt corrected or removed from my credit report. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to hold Frontline Asset Strategies , LLC accountable for their actions. Sincerely, XXXX XXXX
07/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60035
Web
On XX/XX/XXXX, Frontline Asset Strategies , LLC reported a fraudulent XXXX account that I reported to XXXX on XX/XX/XXXX. I contacted XXXX who advised me to put in a new fraud form and mail also the FTC Identity Theft report, which I did on XX/XX/XXXX. I havent received any confirmation in regard to this fraudulent account since then. Frontline Asset Strategies , LLC was notified also by mail, email and phone. I was not sent any notices from the collection agency before placing this on my credit reports as I talked to XXXX, from Frontline Asset Strategies. who stated mail was sent to the address he has on file before reporting this account to the credit bureaus, which was a fraud address and which XXXX was aware of yet Frontline Asset Strategies continues to mail my personal information to the fraudsters. My purchase of a new home is set for closing tomorrow, XX/XX/XXXX, and this caused me to risk {$15000.00} of earnest money. If this account is not removed by XX/XX/XXXX, I will include Frontline Asset Strategies , LLC in a lawsuit to recover the earnest money I will lose due to this fraudulent account they reported and never properly notified me of this before reporting it to credit bureaus, even though this fraud account was reported to XXXX previously on XX/XX/XXXX. I have attached all copies of letters emailed and mailed to both Frontline Asset Strategies , LLC and XXXX.
04/11/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 15216
Web Older American, Servicemember
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. Here is copy of email I sent after I was able to ID thru caller ID on my phone. Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? I say : Yea You say : Confirm your birthday and address? I ask who are you? You say I need your birthday & address I say, who are you? You say : Confirm your birthday and address? O.K I won't play you stupid phone game. I said goodbye & slammed the receiver in their ear. XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM
10/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30736
Web Older American, Servicemember
XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33351
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Frontline Asset Strategi, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
06/29/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60137
Web
In XX/XX/2023, I was contacted by a collector from a company called Frontline Asset Strategies who identified himself as " XXXX XXXX '' Collections Supervisor, who alleged I owed XXXX the amount of {$530.00}. I have no account with XXXX and I attempted to explain this to XXXX XXXX. He then demanded that I pay the full amount, which I disagree. On XX/XX/2023, I sent a letter requesting information and validation of the amount Frontline Asset Strategies is attempting to collect on. A copy of my letter and proof of USPS delivery information is attached. As of this date, I have yet to receive anything from this collection agency. On XX/XX/2023, I sent a follow up letter to Frontline Asset Strategies because I had not heard or received any of the requested information in my previous letter. My second letter for validation of the debt was received by the collection agency on XX/XX/2023, proof of USPS delivery information is attached. This collection agency made the decision to include this debt on my XXXX XXXX, XXXX and XXXX credit reports, without proof that I owe this debt to XXXX. This is very distressing and because of their inability to follow the Fair Debt Collection Practices Act, it has impaired my credit rating. I am seeking the assistance of the CFPB to get this collection agency to follow the law. Sincerely yours, XXXX XXXX
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29607
Web
On XX/XX/2022 - I sent a letter to Frontline Asset Strategies requesting VALIDATION of the debt that is appearing on my credit report. On XX/XX/2022, I received a letter dated XX/XX/2022 which contained a XXXX page front/back bill from XXXX in the amount of {$1300.00} dated XX/XX/2022. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor have they been able to provide any validation of the debt. Below is the exact verbiage of the letter that I sent to Frontline Asset Strategies : My credit report shows a collection from your agency. I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number. Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
07/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94107
Web
I tried switching over to XXXX and was waiting for my number to port over like the representative told me, but they did not complete it. I called XXXX numerous times trying to find a resolution or an explanation, but they kept giving me the runaround. My service with XXXX was never fully active, and I was never able to make nor receive calls. What makes this matter even more complex, is the fact that I signed up with XXXX because they promised me better service and no hassles, but that was exactly what I received. As a cause to all of this, I ended up switching my service over to XXXX, and XXXX ended up charging me {$85.00} and even sent it to a collection agency. I received numerous calls from the collection agency, and I made an agreement with the collection agency ( the only reason I made a payment for services I never received was because they promised to remove everything from my record and write it off completely ). After numerous months, I have once again started receiving calls asking that I once again pay the {$85.00} that I already paid. I need help with this immediately and need this removed and resolved as soon as possible. The representatives from Frontline Asset Strategies confirmed that I made a payment already but did not have the part that stated that this matter was taken care and closed.
11/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77354
Web
I received a call from Frontline Asset Strategies demand the balance of an account for about 750.00. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only.I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance can't be verified. First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. As of the second email, the company has not validated the debit properly, but still reporting it on my credit.
05/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 13090
Web
To whom it may concern, I trust that you are doing well. I appreciate your intervention in my previous concernswith complaint ID # : XXXX submitted on XXXX I madeefforts contacting the XXXX companyto give me an itemized bill that explains what bill I owe and the staff who received the call told me that the matter is with the collection agency and can not have a discussion with me. From my credit reports, it is visible that I pay all my debts in a timely manner. Am not refusing to pay any debts I owe but I need to know what I owe since my services were prepaid and when I changed my service provider, XXXX was contacted before starting a contract with the new provider and how I have any pending bills with them needs an explanation. On XX/XX/, I received a collection letter from a different collection company by the name ; Frontline Asset Strategies , LLC. I contacted them by phone and talked to a staff member who was very arrogant stating that I have to pay the bill and gave an example of XXXX XXXX that you can get a bill even after closing the account and had to tell her that XXXX XXXX XXXX are post paid while phone services are prepaid. I kindly request your office to protect me from these harassmentplease. Thank you and I'm looking forward to your intervention. XXXX XXXX
06/09/2023 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08822
Web
FRONTLI.FRONTLINE ALREADY HEARD THE RECORDING from XXXX from XXXX XX/XX/ AND AGREED IT SHOULD HAVE BEEN DELETED. Frontline ACKNOWLEDGED THAT THE DEBT SHOULD HAVE BEEN REMOVED. XXXX wont honor what they said they would do which is the reason why I have had to record conversations with XXXX because without it XXXX just does what it wants. I TRANSFERRED SERVICE from XXXX to XXXX IN XX/XX/ but I WAS CONTINUED TO BE BILLED FAR PAST MY CANCELLATION DATE DESPITE BEING PROMISED MY BILL WOULD BE TOTALLY CLEARED AND THE PHONE CALL WAS RECORDED. THEY STOPPED BILLING IN XXXX which was totally inaccurate .I EVEN TRADED IN MY PHONE TO XXXX BACK IN XXXX XXXX I HAVE A TRANSFER PIN FROM XXXX WHICH ACKNOWLEDGES THAT XXXX KNEW THE ACCOUNT WAS CANCELED AND IN GOOD STANDING IN ORDER FOR THEM TO DO SO. FRONTLINE ACKNOWLEDGED THE PHONE CALL AND I ALSO SUBMITTED THE RECORDING TO FRONTLINE VIA EMAIL SO IT COULD BE DONE. FURTHER MY BILL WITH XXXX HAS ALWAYS BEEN XXXX TO XXXX DOLLARS AND IT WAS PAID SO IT IS VERY INACCURATE for them to bill me XXXX. I HAD TO RECORD MY CALLS WITH XXXX BECAUSE XXXX KEPT CHANGING MY ACCOUNT TO FORM A NEW ACCOUNT WHEN IT WAS UNAUTHORIZED. Also they sent the bill to the old address and hadnt been able to send it to correct address since the account had been closed.
12/12/2021 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33462
Web
Frontline asset management has not provided me with validation. I requested verification in XXXX and they sent a COPY of a statement in XXXX, and said that is all they had on file to give me at the time. My dispute with them- On XXXX XXXX I sent a letter certified mail asking frontline asset management to validate the debt and provide competent evidence that I have a legal obligation to pay the debt. I asked for an agreement that bears a signature of alleged debtor where he or she agreed to pay the creditor as well as an agreement with their client that grants them authority to collect on alleged debt. I also requested any insurance claims that have been made by any creditor regarding the acct, verification that this debt was assigned or sold to collector as well as other details, see attached. This is a request for validation made Pursuant to the fair debt Collection practices act. I specifically requested validation, not verification. Regardless, the certified mail was delivered on XX/XX/XXXX at XXXX am to frontline. I received no response from frontline asset management at any point even after 4 months had passed. Please note, this complaint is strictly regarding the lack of response to my certified letter dated XX/XX/XXXX. I have proof of delivery. See attached.
11/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 780XX
Web
This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Frontline Asset Strategies is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28216
Web
On or around XXXX I recieved a letter from frontline asset strategies , LLC attempting to collect an allleged debt they claim I owe XXXX in the amount of {$1200.00} when in fact XXXX owes me the credit balance of {$1200.00}. I am currently in arbitration with XXXX with this account and I will attach the demand for arbitration form and Case number in the file attachment area below. Frontline asset also gave me until XX/XX/2023 to dispute the entire debt in which I did dispute and request validation by certified mail # XXXX and they received it on XX/XX/2023 at XXXX. Frontline asset strategies did not send proprer validation of the alleged debt nor did they stop collection efforts after receiving my written debt dispute and took adverse acton against me by furnishing the alleged debt/collections on my credit report. This is damaging my reputation and jeapordizing my financial relationships with other financial institutions. If this account/collection is not removed from my reports immediately I will consider either submitting a Joinder/Consolidaton Request Form for frontline asset strategies to join the ongoing arbitration case with XXXX on this account or file a separate arbitraton case against frontline asset stategies.
08/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92704
Web
On XXXX XXXX XXXX XXXXXXXX posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company, FRONTLINE ASSET STRATE. They bought back the fraud account from XXXX XXXX again. I already called XXXX XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. They told me to go file a police report for identity theft for something happen years ago. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted when I was living at the old house. There is no way to track him down or known his where about. Now XXXX XXXX is trying to sell this fraud account to FRONTLINE ASSET STRATE to collect from me again. This will cause a financial burden and hard ship, and my employment, because I have to care for my wife with XXXX.
06/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 080XX
Web Servicemember
XXXX XXXX from XXXX XXXX Fl Frontline Assest Strategies told me the request to report a XXXX balance was submitted to XXXX Credit Bureau on XX/XX/, however upon contacting XXXX Supervisory Department it has not been submitted nor received as submitted. I kindly called the collection agency to get this matter resolved so that I could report to the XXXX and close the complaint. I gave XXXX the information given to me by the XXXX supervisor to contact them thru the client email andXXXX phone # given to Frontline which he refused. This has been an open dispute with Frontline for over 9 months and to resolve it only takes an email or phone call, Frontline is continuing a request to collect a debt that has already been paid and closed and refuses to contact the credit reporting agency to report the debt as XXXX balance and refuses to give me a copy of the letter showing the account is paid and closed. Therefore, continues to harass me with phone calls, emails and letters from the collection company Frontline AS. I like as a resolution request have Frontline contact XXXX via phone call or email with the document verifying the account is closed with XXXX balance due.
04/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10454
Web
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
12/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 802XX
Web
On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, Frontline Asset Strategies. It stated I owed them {$810.00} a XXXX debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is XXXX XXXX XXXX, and they never sent me anything. Now they, XXXX XXXX XXXX, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.
11/17/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 151XX
Web
U was contacted by this collector out of the blue i constantly told the guy that there was some mistake and that I never even do much as received any mail from this company I also stated that I was sent new furniture due to the faulty furniture given the first time and the amount of time taken to even get help with that and I was told I did not need to pay for the new frame due to the time it took for me to get assistance as well get another frame. I never received any phone calls from the prior company after the new frame was delivered or nothing came in the mail just all contact had been done. Frontline Asset Strategies is the name of the collector that keeps calling me although I explained all of this to him he pretty much forced me into signing something to pay this huge balance back. Even after I assured him of everything that had gone on he was rude in my personal opinion because no matter how many times I explained everything to him he just XXXX down everything and said well you have to pay this if they never gave you anything in the mail or email in regards to that then you have no choice but to pay this.
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37660
Web Older American, Servicemember
I thought about moving mine and my husband 's cell service to XXXX XXXX XXXX. I conducted this online at XXXX. We ordered phones, and the phones came in and then we decided that this move was not saving the money that we thought it would. We returned the phones, without ever using them or putting the sim card in them at all. I called XXXX and told them that we wanted to return the phones and not be hooked up to their service. They emailed me the return label for the return of the phones and we mailed them back to them. They are not trying to collect the phones, but they are trying to collect for service that we never turned on or used. I talked several, several times to representatives with XXXX and they " understood our frustration '' and " yes I see in our notes that you returned the phones and didn't use our service '' and " we will take care of this '' and " yes we see that you do not owe money for our service '' and " we will escalate the situation to management ''. Hours and hours were spent holding on the phone to talk to these representatives that said they would take care of this situation.
08/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92882
Web
I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT I HAVE NEVER LIVED AT IN MY LIFE. NOW THIS COMPANY FRONTLINE AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS TWO COLLECTION COMPANIES. AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPEEND BY ME. AGAIN, SEND ME THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. IF DOCUMENTS ARE NOT BEING PROVIDED, DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.
04/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33625
Web
Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted XXXX XXXX on XX/XX/2021 and they sent me to Frontline. When contacting the lender Frontline Asset Strategies ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, XXXX XXXX. I contacted XXXX XXXX, Operations Support Manager at the XXXX XXXX, and they claimed to not have knowledge of the account and sent me back to Frontline. Yesterday, I was contacted by XXXX. XXXX XXXX from Frontline offering me help with the account, but when I called back, they told me that I have to contact XXXX XXXX. They have been " playing this game '' since XX/XX/2021 when I first contacted Frontline Asset Strategies. I am really concerned, worried and having XXXX XXXX about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
01/12/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30045
Web
Frontline asset strategies contacted my husband regarding collecting an outstanding balance for XXXX XXXX. We switch phone carriers in 2021 due to XXXX XXXX poor service coverage, We paid XXXX in order to stop the harassing collection calls. We contacted XXXX XXXX and was told we owed a balance which we were not made aware of in regards to equipment payment. Our last upgrade with XXXX XXXX was a free upgrade as explained. we do feel this was a set up to steal money from. The stated balance supposedly owed was XXXX however, XXXX settled for XXXX? We are requesting all AUTHENTIC documentation submitted to frontline from XXXX XXXX placing this account into collections. WE NEVER received any documentation from XXXX XXXX in writing. We traveled to the XXXX XXXX store and they pretended having a hard time locating the account which, was in my husband name, We do feel XXXX plus more was stolen from us. Also, the representative stated the collection items would be removed from my husband 's credit report after the XXXX was paid. It would be removed within the same day/hr. VERY SUSPICIOUS!
01/12/2023 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
  • 75211
Web
I am a consumer, and I am fully aware that Frontline Assett Strategies has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 I have noticed that Frontline Assett Strategies began furnishing a consumer report on my behalf claiming that I allegedly owe Frontline Assett Strategies {$2600.00} which has caused a significant decrease on my consumer report. I have never provided Frontline Assett Strategies any written instructions to furnish anything on my behalf, I have never given Frontline Assett Strategies consent to share my non public personal information, nor have I ever received any initial communication from Frontline Assett Strategies which covers the requirements of 15 USC 1692g. As a result of it trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my XXXX XXXX has decreased which is causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am unable to receive housing due to the decrease in my XXXX XXXX!
09/22/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80109
Web
Dear Consumer Financial Protection Bureau, I need your help in correcting a bogus XXXX XXXX bill that is negatively impacting my credit. I received an alert on my phone that my XXXX credit score had dropped by nearly 50 points. I then checked my XXXX credit report and noticed that Frontline Asset Strategies Collections agency placed a XXXX XXXX bill to my account in error in the amount of XXXX dollars. So, I called and informed the Frontline Asset Strategies call representative that I paid my final XXXX bill in XX/XX/2021 in store in the amount of {$90.00}, at which time my account with XXXX was closed and phone number was transferred to another provider. The call representative said my address is XXXX XXXX XXXX XXXX which is not a place where I have ever lived or resided. I have contacted XXXX who expressed my account shows a XXXX balance, this is an error and is a signficant concern. I have an excellent payment history and do not owe XXXX as my final payment was made to them on XX/XX/2021. Thank you for the amazing work you do each day!
10/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 320XX
Web
In XX/XX/2021 ( approximately ), I received a letter from a company that I thought was XXXX They were offering a better monthly rate, and I was and still am with XXXX for many years, now. I accepted the offer for the better rate. The company then sent me a letter, and a sim card to install in my phone. I began to get suspicous, and read the letter and the fine print. This company was purporting to be XXXX but in fact they were a competitor. I don't recall the name. Then I started receiving bills in the mail from the above company, whom we will call " X ''. Now I am receiving phone calls every day, several times a day, from a collector who is representing company X. The collection company is Frontline Asset Strategies, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, telephone XXXX, website : www.frontlineas.com and payment site : www.payfrontline.com. I don't owe them anything, as this stems from a company posing as XXXX. My XXXX bill has always been paid every month, and is auto pay, and is current, as always. XXXX
03/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33313
Web
Frontline Asset Strategies has been attempting to collect {$960.00} from me, issued by XXXX XXXX XXXX since XX/XX/XXXX. I have spoken to XXXX numerous times, who have confirmed I have never owed them this money, as I currently have an account open and in good standing with them. They suggested I dispute the account, which I have multiple times. I have also called Frontline Asset Strategies, and was entirely dismissed, as they would not even speak about the debt and only wanted to collect, and I am still receiving numerous and non-stop calls from them daily attempting to collect debt that I do not owe. I have also disputed this debt 3 times through XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and it comes back as accurate. XXXX will also not help me and only suggests to continue disputing the debt. I feel powerless in this situation, as none of the companies involved are willing to communicate with each other to resolve this issue on my behalf. This is predatory behavior and needs to stop.
07/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30064
Web Servicemember
XXXX ( XXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) Frontline Asset Strategies and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to Frontline Asset Strategies while still sending charged off account to all major credit bureaus. I have sent Frontline Asset a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with Frontline Asset.
08/24/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60440
Web
Hi I am XXXX XXXX, Im making this complaint against Frontline Asset Strategies for identity theft. I have never given Frontline Asset Strategies any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Frontline Asset Strategies can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Frontline Asset Strategies. continues its collection efforts, I will file for litigation for actual damages caused and Frontline Asset Strategies will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
05/11/2023 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23321
Web Servicemember
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/30/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • XXXXX
Web
The subject debt was incurred on XX/XX/XXXX for a XXXX XXXX. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California XXXX tax of {$210.00}. I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. I did open a credit card at a XXXX XXXX XXXX Store in New York inXX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX, XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The XXXX XXXX, XXXX XXXX, XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
05/06/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 197XX
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that customer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the customers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This account is an adverse item they ( Furnisher of info. to credit agencies ) are reporting again without my permission which is against the law. 15 U.S. Code subsection 1681s-2 ( A ) ( 1 ), 15 U.S. Code subsection 1681 e and 12 CFR subsection 1016.7.
09/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14226
Web Servicemember
I opened a XXXX account with 3 phone numbers. Unbeknownst to me, a fourth number was added to the account. ( I learned later that the XXXX agent made additional commission from this added number ). I closed the account after a year and half, in person, paid the amount that I was informed was owed and left. Collection notices began several weeks later. I returned to the XXXX branch and discovered that they had not closed the account completely, but left the fourth, unused number active. when I informed them that not only did I not request a fourth number, that I had no knowledge of a fourth number and one could see that the fourth number had never been used, they assured me they would " take care of it ''. Collection notices continued and I attempted to explain but to no avail. I received this collection notice for {$160.00} today. The reason I never saw the fourth number was that the bills were on autopay.
09/09/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77040
Web Servicemember
My final payment was made to XXXX on XX/XX/2023 in the amount of {$130.00}. I called and closed my account on XX/XX/2023 and was informed by the representative that I had paid my balance in full and didnt owe any other payments. I received notice from XXXX that my score has been impacted because I had a bill sent to collections by Frontline Asset Strategies. I called XXXX today and spoke with XXXX ( reference # XXXX ) who informed me that I should have received a final bill in the mail in the amount of {$830.00}. I informed her that I had proof in my e-mails that I was registered for paperless billing so I should have received an email for that bill instead of postal mail. Not only was the final bill sent to the incorrect address but I was also never notified that my bill was sent to collections nor did I receive any form of communication by the collection agency that my bill was received by them.
10/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • XXXXX
Web
XXXX XXXX and Frontline Asset are both contacting me regarding a debt that i di not owe. They have yet to show proof of my actually signature just a bill that supposedly is mine. In addition they sent me a bill with an address from New york never lived or was a resident of new york then a year later it shows a bill dated to my address. total incorrect, i believe this was identity fraud. i have sent numerous of certified letters stating that its not my debt and they have the wrong person. They have affected my credit report in addition this was on my credit before and then it was removed due to inaccuracies. They are looking for someone to pay this debt that is why they are bouncing it around to other collectors trying to make money off of me. I do not have a contract with them nor did i sign anything with my legit signature. they are not layers so the need to remove it and stop harassing me.
03/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20164
Web Servicemember
I received a debt collection notice from Frontline Asset Strategies ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) reporting that I had a debt to XXXX XXXX a company I do not and have not ever had an account with. I responded to them in writing as requested informing them the debt was not mine, and in return received a letter with the " information your current creditor is able to provide you '' that was a poorly photocopied form asking for a copy of my driver 's license and SS # and zero evidence that I have an account with XXXX. I contacted XXXX directly and verified there is no record of an account in my name or address, so I believe this debt collection agency is a scam attempting to collect personally identifiable information and money by threatening debt collection when no such debt exists. I have also verified that my credit reports show no open XXXX accounts or debt in collections.
12/03/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NM
  • 87112
Web Older American
XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX and never have and as a last I heard, other than getting notices from time to time. I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.
09/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28560
Web Servicemember
XXXX sent a debt from XX/XX/2020 to collections. I received no notice that they had not received payment. I received no notice that they were sending it to collections, and I received no notice that my credit score would be affected. They have violated the FDCPA twice ( statute of limitations and disclosure of debt ). The alleged debt is for {$100.00} owed on a device after I switched carriers. They informed me they would have reached out to me via email. The last email I have from them is from XX/XX/2020 for a cell spot booster return. XXXX has been unable to furnish any records showing they contacted me regarding the debt. I have spent nearly four hours on the phone with XXXX. They would not escalate me to a supervisor. I was hung up on twice. I have been messaging XXXX on XXXX. They will not furnish correspondence and refuse to put me in contact with a supervisor.
07/05/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90026
Web
On XX/XX/XXXX, I received a missed call from an unrecognized number. I called the number back at XXXX in which stated Frontline Asset Strategies. I spoke to someone in why I explained that I did not owe this debt to them. Upon the first contact that I have had with them on XX/XX/XXXX, I informed the representative that I had not received any written notice in regards to such debt and the call was disconnected. As of today XX/XX/XXXX, they have been calling repeatedly I did not receive written notification within the 5 days as per my rights under the Fair Debt Collection Practices Act. I sent them a letter today by Certified Mail Return Receipt informing of this and instructing them that I will seek legal compensation for violating my rights unless collection attempts are terminated for violating the laws to allow a consumer to validate weather the debt is valid!
06/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 731XX
Web
Frontline Asset Strategies informed me via email on XX/XX/, that I owed money to XXXX XXXX XXXX from XXXX XXXX. XXXX XXXX has not provided me with any services in several years. To ensure the email was legitimate, I performed a XXXX search and visited the company 's website via the search page. I dialed the number listed on the website seven times : ( XXXX ) XXXX. The phone number displayed in the email differs from that displayed on the website. The communication contains the phone number ( XXXX ) XXXX. Each contact was met with an automated message informing me that a representative was unavailable, and then it disconnected the call. I replied to the email I received but have not yet received a reply. I require validation of the debt, as well as copies of any executed contracts and other evidence demonstrating that I have utilized this company 's services.
03/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11204
Web
XXXX XXXX is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Upon contacting XXXX, I was informed that a 1099 was issued in this account, and yet they couldnt provide any other information. Please see the attached FTC report and remove this account from all 3 major credit bureaus! Frontline AssetXXXX XXXX promised to remove the collection from my credit upon payment. The representative I spoke to informed me that they would be able to delete the account from the credit and failed to inform me that the process may take 90 days. I scheduled my closing accordingly, and now after the payment was made they are telling me that the process can not be expedite and that they dont know when they will send a deletion request. PLEASE DELETE FRONTLINE ASSET FROM MY CREDIT AS PROMISED!
05/13/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90280
Web
I received a letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.
03/13/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 152XX
Web
I have been repeatedly been receiving phone calls from XXXX which I believe is Frontline Asset Strategies. The only reason why I know this is because I called back that number and that is what the recorded message says. Every time they call, they ask for someone named XXXX or XXXX. When I ask what company they are calling from, they will simply give their name. They will not identify who they are calling from. Regardless, they have the wrong phone number. I do not know this XXXX person they are calling about. I have told them numerous times that they have the wrong number and to stop calling. Yet, they still call, sometimes multiple times per day. I have now blocked the number. However, I felt it was concerning that when specifically asked what company they are calling from, the caller will not identify and will only provide his or her name.
12/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 483XX
Web
I am the victim of ID Theft. Someone opened a XXXX account using my personal information. I did not request or authorize this account. The account was sent to a collection agency for an Amount of $ 1,855.97due to non-payment. At the request of XXXX, a police report was uploaded into their portal on XX/XX/2022. We have received verbal confirmation that the fraud team completed their investigation and marked the account fraudulent on the same day. I have not yet received written confirmation of the fraud, and the account has not been pulled back from the collection agency. My advocate has spoken with several XXXX supervisors who have promised to follow up on this issue and have the account pulled back from collections. Two months later, this still has not been done, and the collection agency still has the account in their office.
12/21/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93257
Web Older American, Servicemember
SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. ( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.
02/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33150
Web
I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. Let 's be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know Frontline Asset Strategies , LLC takes pride in violating basic consumer rights. This company is harassing me for an alleged debt and ruining my reputation as a consumer. I am demanding XXXX from Frontline Strategies Asset for each violation of my consumer rights. Best regards.
09/28/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29680
Web
I had an issues with XXXX XXXX, which was owed by XXXX. They billed took money out of my account for a phone I returned and would not give it back until I sent the phone back but I had prove I did from XXXX XXXX. I ended up reaching out to the president of XXXX and she had a escalations rep contact me. He as able to verify that the phone was received back and it was at the warehouse. Due to their negligence, they allowed me to make a clean break and unlock the phones to take them with me due to their major mistake. XXXX keeps trying to collect on it and it is not owed. One debt collector let it go with the proof I had but Frontline Asset Strategies is still trying despite the proof I provided. It is not fair and if XXXX said I was able to make a clean break in 2019, why am I still being harassed.
04/20/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • IL
  • 60624
Web
Fronline Asset Strategies LLC has violated my federally protected rights under 15 USC 1692 and 15 USC 1681 as 18 USC 1341. In violation of : 15 usc 1692 ( c ) ( a ) : a debt collector may not communicate with a consumer in connection with any debt. In violation of 15 usc 1692 ( B ) ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. In violation of 15 usc 1692 ( D ) ( 2 ) : the use of obscene or profane language the natural consequences of which is to abuse the hearer or reader In violation of 15 usc 1681b : Permissible Purpose In violation of 18 usc 1341 : Mail Fraud and Swindlers.
03/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 20854
Web
I was contacted on XX/XX/XXXX from Frontline Asset Strategies regarding a debt XXXX XXXX said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep XXXX XXXX XXXX stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX XXXX who said they would put the note on their not call this number again and put the debt back in dispute. They still continue to contact me over a non-owed debt.
10/31/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
Web Servicemember
Frontline Asset continues to call various family members of mine trying to reach me regarding some debt that I do not owe. I have been a victim of identity theft. I have had to freeze credit bureaus, place fraud alerts on my credit, and the list goes on to protect my credit. I am not verify any information or giving them information about me that is fraudulent. I am needing them to close this account, cease calling family members and friends about an erroneous debt that I do not owe. I have already contacted an attorney about this matter as well to see what can be done. I am needing them to cease all communication efforts as well and again, close the account immediately. I am not providing a Drivers License or anything. I am attaching the police report showing fraudulent activity. That is it.
04/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 601XX
Web
I am writing this email because this is the second time that i received a collection letter Frontline Asset Strategies on an account that supposedly belongs me in XXXX for which i have taken action and have communicated on several occasions and have contacted the authorized stores in search of advice and through they have contacted customer service from their internal lines and according to them they have created a fraud report since I DO NOT RECOGNIZE such charges since i do not even have a telephone line in the aforementioned company Please, I request that the respective investigations be carried out on said case and that that an answer be obtained regarding said account, which, if it existed, was made without my consent. Attached Copy the report of Police and letter that colector send me.
03/22/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MA
  • 02072
Web
For over 4 weeks, I've received between 4 and 10 phone calls a day from a variety of fake numbers that hang up on me when I answer. When I call back, they proudly announce that I have called Frontline Assets Strategies and proceed to illegally record the conversation without consent. My state requires all party consent. At least 8 different numbers are used and the people who answer the phone are using fake names like " XXXX '' and " XXXX '' and other decidedly fake names from clearly foreign sources. ( XXXX ) XXXX ( XXXX XXXX XXXX As I have absolutely no unpaid debt. I use my debt card for all purchases and the number they call is an unlisted, unattached, Do-Not-Call Registry number this is obviously fraud. They continue to call after being repeatedly told not to call.
04/26/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75035
Web
XXXX created an account ( XXXX ) for me and started charging me without sending any sim card or providing me any services ( between XXXX XXXX XX/XX/XXXX ), every time I called their contact center they agreed that I should not have been charged because they never offered me any services. And 4 times then promised me that right team ( at the back-office ) will waive off the due amount. But it was never addressed. I have escalation ticket - XXXX XXXX for my last conversation. In Spite of all the commitment I am now getting calls from collection agency called Frontline asset strategies ( with account XXXX ) asking me to pay the debt and they are refusing to come on a conference call with XXXX XXXX. Request you to please help me with this malpractice from XXXX XXXX.
12/12/2022 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
  • Investigation took more than 30 days
  • NJ
  • 08648
Web
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
03/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28451
Web
I received a hit on my credit for a phone bill with XXXX XXXX . I have not been with that company for 10 years. I contacted XXXX and they find no record of me. They had me go in store could find no record of me. XXXX has filed a dispute with Frontline Assetts. I called Frontline Assetts directly. She was very nice and said this came up only a few years ago ; verifying it is not mine. The problem is Frontline Assetts wants me to pay {$170.00} to try to solved the dispute. That makes no sense for one and second again that this is not my debt. This was after Frontline Assetts making me give them my CC to pay a XXXX $ feom some company to verify my information, which, of course, made no sense. And, now, I have to cancel with that company before I get charged XXXX XXXX
03/22/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MD
  • 21202
Web
Since XXXX not Frontline Asset Strategies were able to provide a copy as well as Frontline Asset Strategies reference # XXXX on XX/XX/2022. I have missed over 600 business calls and uncountable dropped calls in 1 year and I paid {$5000.00} in wrapping my vehicle with my XXXX number and we have tested this theory on the land line of the actual company XXXX number and its not coming from their side. My average client is {$850.00} and that multiplied by XXXX is XXXX XXXX. Since they also use my name fraudulently to falsify an account and has drag this situation out, I would like to be paid immediately. They offered me a measly {$2000.00} which already says that they acknowledged theyre wrong doing but that is in no way comparison to how much money I have lost.
05/26/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33055
Web
I had a phone with XXXX XXXX they told me they will mail the final bill due to I transfer to XXXXXXXX XXXX will take around 90 days due to the bill end before the end on the month. Today I receive it a letter that Im in collection with out never received my final bill or any other bill. I never Denied to pay my bill and they was calling from a number that I dont even know. my social per hippa is confidential I did a contract with XXXX XXXX not with frontline Asset and my address was never change I continue living same place XXXX XXXX XXXX XXXX XXXX XXXX. I need your help on this matter .I call XXXX XXXX and they told Me they couldnt do nothing. how they send me to collection with out send me a bill or let me dispute or else. I never received my final bill.
12/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80014
Web
In less than a 24 hour period I have received three separate phone calls from Frontline Asset Stratagies. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of my social. When I called back to find out who was calling, I was threatened with a lawyer. Frontline then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need Frontline to cease contacting my former relatives (ex-brother-in-law.)
05/22/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11226
Web
i Have been contacted by a debt collector on several occasions. Expressed to them that the total debt does not belong to me. After being sent an email to settle for {$700.00} on XX/XX/2020, Original amount was ( XXXX ). I disagreed because most of the debt is late fees that was charged on the account before it went into collections from the original company. I had expressed before account went into collections that this debt does not belong to me because I never used that much line of credit. They continued to ignore me causing the debt to increase because of late payments making it a total of ( XXXX ) which is mostly late fees. After disbursing this online and refusing to pay the {$700.00}, I received a derogatory mark on my credit report.
07/02/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MO
  • 63303
Web
I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?
11/09/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • NJ
  • 07083
Web Older American
I am a XXXX for almost 8 years and I have been spending my times in and out of XXXX for every other XXXX. This time I arrived at XXXX XXXX and not too long after I got mails from frontline asset strategies that I needed to pay {$25000.00}. Going through when the account was opened I was in XXXX throughout the entire COVID 19 pandemic and could not possibly be in 2 places at a time. I called up and informed them that I never had any bank credit card from XXXX XXXX and I am not the one that opened the account. A heated argument ensued the agent was very dismissive of my argument and thereafter I asked her to go to any length to prove that I own the account. The response sent to me was to submit an FTC report and this is what I am doing now
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30114
Web
Frontline Asset Strategi reporting derogatory marks on my XXXX credit report onXX/XX/XXXX in the amount of {$1200.00}. Upon the research this account was transferred from XXXX and l am no longer responsible for this account. Debtors creditors did not verify this collection or no written form of communication, signature of contract for this accused debt at all. A bill without a signature does not validate the debt. According to FCRA Frontline Asset Strategi has to validate. My rights as a consumer have been violated and Im requesting to legal call to action to remove this account immediately. Please terminate collection efforts by removing from all credit bureaus ( XXXX, XXXX, XXXX ) due to failure to validate the debt.
01/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80211
Web
I have been sent to a collections agency ( Frontline Asset Strategies ) for a XXXX bill of {$3600.00}. Frontline let me know that apparently there was an account opened in my name in XX/XX/2022. I have never been a XXXX customer. I've been a XXXX customer for over 10 years and I am on my father 's plan. I have never inquired about being a XXXX customer, either. The account is now impacting my credit score. I've submitted 2 disputes with XXXX regarding this issue and have not heard back from them. I've also submitted a police report with the XXXX Police Department. They informed me that no investigation will take place on their end. I would like this account removed from my name, as it's causing issues with my credit.
06/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85027
Web
This company is a holder of my debt, I have answered the phone and he was white noise on the other side of the line. I stayed connected for 38 secs saying hello and pushing buttons, the call disconnected. I called back after interrupting my day and ask why I was being called with attitude since they didn't want to speak on the initial call, the rep hung up on me. I called back again and had to explain that I wanted a manager and did not want to speak to anyone else until I reached XXXX, a " manager '' who had no care about hearing the issue from the other representatives or how I was treated, just politely gave me the full name and address of the company, I informed him I would send an FTC complaint, he hung up on me.
09/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
I'm a victim of anti theft, I do have a fraud alert at my Credit Report and is freeze because all the awful things people are doing to my credit. Even stolen money from my bank account. I did a Police Report explaining all about what happened to me with proofs. I also contact the Company from XXXX XXXX and I did send a copy of my Police Report and also spoke with an employee from the fraud division, this account was never ever mine, they do remove it from my credit and now is back again on it for God sakes. I'm a woman of XXXX XXXX XXXX and XXXX. I lost once my id 's and because of this, I'm having a lot of problems or accounts that dont belongs to me, people are doing a lot to my credit, this is one of them.
11/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78224
Web
I recently went to XXXX XXXX and I noticed on my account there was a collection debt of {$200.00}. The company that sent me to collections is called Frontline Asset Strategies. I have never heard of this company nor attempted to create an account with them. According, to Frontline Asset Strategies " my '' account was opened on XX/XX/2022. Before asking why I have not tried to take action with the company, it is because all the reviews say how they know all your information and a specific review from XXXX XXXX said " They will tell your personal info everything about you, but dont get fouled '' On XX/XX/2022, I disputed the claim through credit karma, but I still want to make sure I will get this removed.
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19426
Web
I received a letter in the mail from Frontline AS on XX/XX/2021 notifying me of this debt. They stated that I had 30 days to disput the validity of the debt before they reported it to the credit bureaus. I mailed them a Validation request, via certified mail, with tracking number XXXX, it was signed for and received by Frontline on XXXX. I have not received any validation documents, or any contact from Frontline since that time. However, they have recently reported a collections account to the credit bureaus which is a clear violation of the FCRA. This is a strongarm tactic to try to get me to pay an unvalidated debt and should be punished as I'm sure I am not the first person they have done this to.
03/18/2022 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
  • IL
  • 60619
Web
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. First Source, FrontLine Asset Strategies and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
06/02/2023 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CO
  • 80014
Web
A Frontline asset strategies damaged my credit by sending someone else 's debt into my account. I have received a letter from them, they used my first name, and someone else 's LAST NAME, saying I owe them for a XXXX bill!!!! I have disputed it with this frontline company and they said this is MY DEBT, but refused to show me a proof as I requested. I know for a fact I have NOT used any XXXX services within past 10 years, and I do not owe any money to XXXX. This company just used my first name and put a different last name to it in order to make it look like the debt is mine. My credit is damaged now and I am seeking help because they keep calling and sending letters. Please help.
09/26/2023 Yes
  • Debt collection
  • Telecommunications debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85298
Web
XXXX is the company that sent me to debt collection. I moved my account to XXXX in XXXX from XXXX. They immediately cut access to online management once I ported numbers to XXXX. 3 months later they finally sent me a statement saying I owed them over {$800.00} with zero justification on the charges. The balances do not make sense, trying to charge me for charge backs when the account was never charged. Balance has since multiplied to {$1500.00}. XXXX rep would not listen to me explanation and sent be to two different collection agencies and now I have legal representation. Again, not able to view any statements or charges, XXXX sent generic account information that is inflated.
08/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web Servicemember
On XX/XX/2022 I transferred my phone service from XXXX XXXX XXXX and the XXXX sales representative contacted XXXX to terminate service and begin XXXX XXXX. I was paying XXXX with autopay but started getting a final bill for service from XX/XX/2022 to XX/XX/2022 for {$110.00}. I contacted XXXX to inquire but was given the runaround so I ignored the bill then they referred to a bill collecting agency. I dont believe that {$110.00} is correct for four days of XXXX service. I found a copy of the final bill from XXXX to verify my story. I asked XXXX twice to send me a copy of the final bill with service dates but they would not provide the service dates on both of their email bills.
06/08/2020 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • GA
  • 30188
Web
This is NOT even for me. It is something apparently in my husband 's name. He would NOT identify himself and what company. I had to look up the number. I refused to give him any info and I was then threatened numerous times including showing up at my home and my place of business as well as my husband 's employer. I told them they had no right to harass me and he continued. It is against the law for him NOT to identify himself and threaten me. The only solution is to pay for the phone call and for threatening me. I will not accept ANY less. I told him to stop and he continued to threaten and NEVER identified where he was calling from. Nasty, nasty man in violation of federal law
06/25/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • DE
  • 19720
Web
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to open a mobile phone service and credit card accounts. I need the following negative inquires removed from my credit report that's listed in the report immediately.
12/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • ND
  • 58601
Web
I am repeatedly getting calls from a XXXX area code number with multiple numbers like XXXX and others from a company called frontline asset strategies. I told them I disnt know anything about the debt and he said he would email me a copy of the papers. Never got it he called again and said the same thing and I still have not got anything I have checked spam and regular folders.. he called today XXXX XXXX at around XXXX XXXX most. They also many times a day. I told him I wasn't agreeing to anything till I see the papers to validate it as I feel it may be a fraud account. But they still call. I have emailed them as well and got nothing. Just many calls all day
11/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98031
Web
In XXXX I switched phone carriers from XXXX XXXX XXXX XXXX XXXX XXXX I retained my original cell number. In order to keep my number when switching, I contacted XXXX and closed out my account with a representative to ensure I completed all steps. I paid my final months bill of {$75.00} and the representative confirmed that was it. Several months later XXXX started calling saying I owed them that money and when I challenged it they put a collection on my credit. I disputed the collection and it was removed in XXXX. Now almost three years later I am again receiving harassing calls and emails from a collector claiming to be collecting that same {$75.00}.
08/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 440XX
Web
I just noticed that there is a charge from a collections group that I have no knowledge of. I need this removed immediately. Also this debt collector has no authority legally to even give information to the credit burea with out my consent. This would be an invade of privacy and certainly against the law. Now I ask this gets removed immediately because I have zero knowledge of this account. 15 U.S. Code 1681- Congressional findings and statement of purpose *There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. *
02/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11201
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
03/06/2023 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
  • Problem with personal statement of dispute
  • FL
  • 321XX
Web Servicemember
On XX/XX/XXXX i Sent a VALIDATION of debt request to Frontline Asset Strategies. The company refuses to PROVE that i have a legal obligation to pay this debt, and refuses to sent the requested information. The company also failed to provide detailed steps used to ensure this was my debt. I have sent several letters to the company including a debt VALIDATION/ PROOF letter, and the requested documents were not sent. I dispute this debt. i am requesting an original contract with my signature showing that the debt is VALID and is my debt. If this can not be provided the debt must be removed from all 3 major CRA 's.
06/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02368
Web
On XX/XX/XXXX i received a copy of my credit report where Frontline Asset Strategies , LLC has reported a collection item from XXXX of {$810.00}. This is false and fraud as I have had a XXXX account since XXXX which is currently active. I was never contacted about said debt and it was just placed on my report. I have contacted the FTC and filed a fraud report. They are causing damages to my credit with their false accusations. There are no proof of claims or validation nor so it needs to be removed from my credit report immediately according to the FCRA. They have violated Fair debt collection practices
03/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 402XX
Web Servicemember
checked credit report, had new report of a debt with FRONTLINE ASSET STRATEGIES stating I owe over {$3000.00} for a debt with XXXX XXXX, I filed a complaint with the police, XXXX XXXX fraud deprt and the frontline reporting that this is not my debt. I have never had XXXX XXXX ( or an XXXX that was reported to be on the account ) i have never even stepped foot in a XXXX XXXX store but apparently an acct was opened in my name at a store, we have requested proof that this debt is mine, how did they verify my identity to open account and have gotten no response from XXXX XXXX or frontline asset
07/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30349
Web
I closed my account with XXXX and was told I owed them {$100.00} and advised them to send me documentation in the mail and I will pay them. XX/XX/2022 I received a letter from XXXX to call them to discussed the payment ( XXXX and XXXX ) both number was disconnected. I wrote them a reply letter to there address - XXXX XXXX XXXX XXXX XXXX PA. They sent me a letter requesting {$290.00} and THREATEN me that they will forward to COLLECTIONS if I don't pay or reply back with them. On XX/XX/XXXX I did reply back with them. On XX/XX/2022 they sent me another XXXX letter requesting {$310.00}
09/26/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98466
Web
I sent a Verification of Debt Request letter to Frontline Asset Strategies on XX/XX/23. This letter was received by them on XX/XX/23. As of the present date ( XX/XX/23 ), I have not received verification of the debt that this company is attempting to collect from me. Per the Fair Debt Collection Practices Act this information was supposed to be provided to me within 30 DAYS of receipt of the letter. Due to the failure of Frontline Asset Strategies to provide the information requested, they are violating my rights as a consumer and under the Fair Debt Collection Practices Act.
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17815
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # FRONTLINE ASSET STRATEGY ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written permission XXXX and XXXX n has stated Frontline Asset was verified has failed to show proof of verification on more than XXXX disputes.
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • XXXXX
Web
Frontline asset strategies keep sending bills instead of the original contract, my signature to even verify this account. XXXX is still sending bills but they charged it off and this debt collector is also trying to collect on this debt. If they can not verify this debt they need to delete it. I never opened a XXXX account i always had XXXX bc they are way cheaper. I went into a XXXX store and a asked the rep do you have to sign off on a phone plan and they rep said yes. This debt collection needs to be verified with original signed contract and not any bills.
11/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 10452
Web Older American
internet service provideXXXX XXXX ceased supplying me service when they converted exclusively to XXXX on XX/XX/. they promised me that they will repair the problem and i, to maintain my 7 year seniority and to keep the peace, i paid them $ XXXX/month. but when it became obvious after several months that they can not or will not fix the issue, that's when i decided to cease paying them. they nevertheless filed a negative credit report with XXXX XXXX. not much - my debt is XXXX - but the negative credit report will hurt me, and i don't deserve it.
04/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20850
Web
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. The company failed to provide additional information and will not reinvestigate
10/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89142
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33615
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IA
  • 505XX
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/08/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • WA
  • 98311
Web
Phone number XXXX Frontline asset strategies called my XXXX year old mother telling her that she had a XXXX card with {$20000.00} from 2016 she needed to pay immediately. We checked and my mother her never had one. I called that number that has a New Hampshire area code and they would not tell me what type of business they were, I asked for their mailing address and he put me on hold, he was hesitant, he found XXXX gave me a address, XXXX XXXX XXXX, XXXX XXXX, XXXX Minnesota. If you use XXXX XXXX that address is a parking garage.
12/13/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 482XX
Web
I sent a letter to XXXX asset strategies in XX/XX/2022 asking for verification of an alleged debt. They responded to me by mail in a letter dated XX/XX/2022 stating that they determined that the debt was valid and included a statement of account stating that this is all that the " original '' creditor is able to provide for them at this time There is nothing indicating that htis belongs to me, I asked them to provide something showing that I am/was in contract with XXXX or with the alleged debt with XXXX and they sent neither.
07/09/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 750XX
Web
XXXX closed our account when we switched to XXXX XXXX and after closing our account and paying fees we found out they not only kept charging one line not connected to any account they sent collections to Frontline assets strategy I spoke with employees and explained that we closed the account and charging us for a phone that was never in use and not connected or linked to any account was fraud we closed our account months ago and paid extra fees after the fact and are still getting billed and they sent it to a collection agency
09/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93727
Web
I have reached out to XXXX around XXXX of XXXX and through out may to dispute a fraudulent charge under my name for {$3800.00}. I have never opened an account with XXXX i was told they couldn't do anything and to contact the debt collector. I have no idea which debt collector to contact since i was never sent a lettter, email or phone calls about this debt. I wasn't given the option to dispute this debt through XXXX nor XXXX. This charge for XXXX dollars was XXXX fraudulently and i have XXXX information about this account.
07/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IA
  • 505XX
Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
12/14/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28208
Web Servicemember
In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I requested proof of debt several times over the phone when contacted but never received any information.
08/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • XXXXX
Web
I got a call from someone who said theyre from Frontline Assets Solutions wanting to collect a debt. I told them that I believe this is a scam and that I do not owe any creditors. They told me that I could check the XXXX and that they were an accredited organization. I looked the business up and contacted the number online from the XXXX and the real Frontline confirmed I did not owe a debt. The number that called me was out of MD and this business is established in MN. XXXX ( XXXX ) XXXX Is the scammers number.
11/15/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 233XX
Web
The amount is in correct. On my report stated my loan was {$810.00} with a balance of {$490.00} owed. I have been paying them {$25.00} every two weeks. So far I have paid them {$370.00}. But, we I reached out to them because I didn't see my balance change they said I owe the whole balance. And the company name is different from my report. I have proof from my bank account. So, then he changed the amount owed after I talked to him to the {$390.00} balance. And they are reporting that I'm not paying on my report.
08/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33174
Web
This complaint is filed against FRONTLINE ASSET STRATEGIES. This company has not provided me with ANY documentation such contract or application signed by me reflecting my social security number. I have tried to have them provide me with such documents for the past six months and nothing. I need CFPB to request to FRONTLINE any documentation that proofs that I own the acct showing my signature and social security number. Other than that ANY ANSWER filed by FRONTLINE is not valid without supporting documents.
07/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33174
Web
Please be advised that I have previously tried to validate the ownership of this acct directly with XXXX XXXX XXXX collection acct # XXXX, and with the credit bureau XXXX. As of today 's date I have not received the requested documentation to proof that this collection acct is mine. I do not know XXXX XXXX XXXX, and I have never signed any documentation with this company. Account MUST be removed immediately as its harming my credit. Thanks for your prompt response and cooperation with this request.
07/14/2023 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
  • 33614
Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
10/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85086
Web Servicemember
inXX/XX/XXXX2017 i paid in full a credit card debt that was in collection. i was sent a paid in full document dated XX/XX/2017. on XX/XX/XXXX2017 the company XXXX funding placed my paid in full account into a derogatory status as though i had never paid it. this dropped my credit rating by XXXX points and is against federal law related to paying collections in full. i was told my credit report would be updated within 10 days to a positive because i paid in full. instead they updated it negatively
11/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04901
Web
The account was with XXXX XXXX and it was originally opened up under my name.XXXX my son opened his own residential account and at that time he sign over financial responsibility for the phones to the account. After that I never received another bill for this account and under my son 's social security number..but when he defaulted years later XXXX XXXX sent the account to collections and it appeared on my credit report without any notification even though we transferred responsibility.
10/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80239
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on FRONTLINE ASSET STRATEGIES which opened XXXX XXXX, 2020. 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.
08/20/2023 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
  • Problem with personal statement of dispute
  • NC
  • XXXXX
Web Older American
I sent FRONTLINE ASSET STRATEGIES LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX ( XXXX ) XXXX a cease and desist letter over 2 months ago by certified mail. On XX/XX/2023, Frontline reported to XXXX that {$60.00} was in collections from XXXX XXXX. They continue to report to the credit bureaus after they were told to cease and desist. My credit score went from XXXX on XXXX down to XXXX as a direct reporting to them that {$60.00} was in collections after the cease and desist letter.
11/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 355XX
Web
Calls are coming everyday for someone else. Calls during working hours when I can't answer. I was able to answer today and they hung up on me. My wife has called 3 times. First time she was told they were looking for a woman and not me. They marked it as wrong number. The last two were to get them to stop. The last call was today XX/XX/2022 and they got rude and hung up after stating it would stop in 24 hours because she told them if it doesn't stop we will file harassment charges.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 483XX
Web
Frontline Assets Strategies LLC and XXXX XXXX are demanding a Police Report for their mistake in issuing credit to someone pretending to be me. This is a waste of the Police time and my time. XXXX XXXX should be fined for this abuse of debt collection. XXXX XXXX clearly does not know how to verify simple ID checks for potential new clients. They need to improve their systems and training. I think the US Gov't should fine them and turn all money over to local police departments.
11/07/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WY
  • 829XX
Web
On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29730
Web Servicemember
Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency
03/13/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • XXXXX
Web
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.
11/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19144
Web
On XXXX I agreed to paid to delete for XXXX. They took first payment out of XXXX on the XXXX and I have laid XXXX already with 2 payments left. Once we agreed they reported to credit bureau and they weren't supposed to as I was never contracted with them originally. I was willing to pay off portion as a show of goodwill under certain conditions They would not list this debt as a settled account Company would not sell or transfer Would not mention to outside third parties etc
06/26/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84663
Web
I explained to them that I dont get paid for XXXX more weeks and wouldnt be able to pay anything until then and the guy got mad at me, used a condescending tone and so I told him I would pay it when I can that I didnt appreciate his demeanor and not to call me again, this was on Friday XXXX/XXXX/223, theyve since called me 7 times between Saturday XX/XX/2023 at XXXX to now XX/XX/2023 XXXX so theyve called me 8 times in a 4 day span. Oh also it shows up as No Caller Id
02/12/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 802XX
Web
I have never received any written correspondence from Frontline Asset Strategies ( FAS ). I only received phone-calls and was never able to verify the amount owed, when the debt was acquired, and what my options were. I spoke with XXXX on XX/XX/XXXX and made a payment in full of {$420.00} cents. I have reached out to FAS six times via email requesting the receipt and letter stating that this account is paid in full and closed, but they have not responded.
03/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76542
Web Servicemember
Frontline Asset Strategies placed a collection account on my credit report for a phone bill from XXXX for {$50.00}. I contacted XXXX about this account and they confirmed that this was not a debt I owe. I emailed Frontine Asset Strategies this evidence and requested that the inquiry be removed from all of my credit reports. The representative said it was. I applied for new credit and was denied for it due to this inaccuracy showing on my XXXX report.
04/18/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90280
Web
I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. I have already filed a police report and FTC report, this fraud case is under investigation. I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.
03/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43228
Web
I have a collections on my credit report from Frontline XXXX for an unpaid balance of {$210.00}. The balance belongs to XXXX XXXX. My name is XXXX XXXX. On the invoice that was sent to me on my last cfpb complaint the invoice from XXXX stated that the billing address for XXXX XXXX is XXXX XXXX XXXX XXXX NY XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. This debt does not belong to me please remove this collection from my credit report.
08/27/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 376XX
Web
This company has reported a debt to the credit bureaus that has previously been removed, I had requested documents supporting their claims but no documentation has been provided. Further more the collection agency has reported this debt without out contacting me and providing me an opportunity to dispute the claim prior to reporting as required by law. The collection agency is in violation of the fair credit act and is not operating in good faith.
05/26/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 312XX
Web
frontline assest strategies and XXXX are illegaly reporting a reaged account that has previously been removed from my credit report this account has always been the result of identity theft and a violation of my federally protected consumer rights per 15 usc 1681 c2, m 15 usc 1692 g fcra section 609,604, and 611 as well as fdcpa sec 804b3 this action is actually illegal and there is no factual basis of the reporting of this inaccurate information
06/21/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 94102
Web
Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me. Frontline has refused to provide the requested information. In addition, the company 's website is fake.
03/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46226
Web Servicemember
i have disputed this account several times. On XXXX XXXX I checked my consumer report and noticed the company Frontline AS these inaccuracies of false reporting. ihave an account from frontline for an alleged debt of XXXX sent certified mail requesting validation of this debt. also i am requesting validation again .these remarks on my consumer report have cause actual damages as well as statutory damages. due to voilations of the fdcpa
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 631XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11411
Web
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
09/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 00921
Web
The debt collector FRONTLINE ASSET STRA last reported on XX/XX/2023, a NEGATIVE open balance of {$1100.00} from the original creditor XXXX XXXX ( Original Creditor ) states and wrongly reported that I opened in FLORIDA on the specific date of XXXX XXXX, this is a FRAUD, and this company has multiple intents on different dates to charge a Negative on my credit report and XXXX about to take this on LEGAL matters and sue them.
03/22/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • XXXXX
Web
I paid {$1500.00} but I only owed {$1300.00}. I called the original creditor to tell them that I overpaid ; they informed me that the debt had been sold and to contact Frontline Asset Strategies about a refund. I was given the name and number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After numerous calls and messages, XXXX XXXX will not return my calls and this company is not doing anything to refund me my overpaid balance.
06/16/2023 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
  • TX
  • 78703
Web
I requested a debt verification from Frontline Asset Strategies ( FAST ), LLC, within the verification documents they sent me, they included someone else 's personal ( name and address ) and account information ; I do not trust this company with holding my personal information and I feel violated due to this data breach. Frontline Asset Strategies ( FAST ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
12/10/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60046
Web
the collection agency is Frontline Assets Strategies. They repeatedly call and ask for some female about a debt. I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.
11/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • XXXXX
Web
Issues with company. working with another company the bureaus that keeps sending me debt collection letters but no proof of actual wet ink signature, contract or anything just saying that the debt was brought by them from XXXX XXXX. I never lived in New York and that is where the debt originated from. Issues with company. keep getting hung up on when calling to request a supervisor to handle the issue.
05/15/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 080XX
Web
Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 112XX
Web
I am a natural person, I am a living human being, I have rights under 15 USC 1681. FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX
06/30/2023 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
  • NY
  • 117XX
Web
Frontline and asset strategies obtained my personal information without my permission and when I asked for clear evidence that it was me who authorized it with clear wet ink signature they failed to provide any evidence PLEASE SEE ATTACHMENTS Ive sent them a notarized letter through Certified mail which is a contract in itself and they failed to respond or remove this report on my credit
09/22/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CT
  • 061XX
Web
I received a threatening email from Frontline Asset Strategies. Threatening to sue me/and or send my account to someone who will if I dont pay an alleged amount owed. They referenced account # XXXX from an XXXX XXXX. I have been contacted by FAS previously, they have not described what the debt is for or if it mine. They are threatening to sue if I dont pay by a certain date.
06/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • SC
  • 29485
Web
Dates XX/XX/2022 and XX/XX/2022 Front line Asset Strategies continues to call me concerning a debt from other creditors, with a former creditor being listed totaling over {$1900.00} which I had no contact or knowledge of, saying if the debt is not paid it will be turned over to an attorney for collections. But it can be reduce to {$1200.00} if arrangements are made.
04/18/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 187XX
Web Servicemember
My account with XXXX network was fulfilled. When I cancelled they are charging me an early termination fee. I spoke with XXXX and asked for them to send me a copy of my signed agreement. That I renewed. They have refused to sent agreement. I disputed the collection on my credit report but they arent removing it. I tried XXXX the reason why but havent been able to.
03/09/2023 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
  • SC
  • 29687
Web Older American
My credit score was reduced because of a so-called nonpayment. I specifically told XXXX not to send router or sign me up for their services. ( I have an email that states that ) I appealed 4 times to XXXX which denied my dispute. I contacted them and the collection agency and XXXX to no avail. My credit rating has always been XXXX before this incident.
04/08/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19023
Web
Was never aware the company gave my information out to another company which is against the law. Also amount stated thats owed is incorrect I have a letter to prove this information to be incorrect, also have recorded conversations from the company XXXX with me agreeing to pay them the amount owed which I held up my end of the deal and made payments.
06/04/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MA
  • 018XX
Web
This company reported to my credit reports with not authorization on doing so. Never contacted me regarding this debt and now my credit score dropped due to this collection that I'm not responsible of. I need this to be removed immediately from my credit reports. Name of Company : FRONTLINE ASSET STRATEGIES Account # : XXXX Balance : {$1700.00}
07/16/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75061
Web
Frontlines asset strategies at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX has been sending me collection notices in the amount of {$550.00} and {$430.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
03/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 40207
Web Servicemember
This company has continued to call after being told to contact by mail only. They have contacted my spouse who is not on the credit card and shared information with them regarding the amount of money owed and the last 4 of the credit card number. When I called them today to ask about them doing this they became very aggressive and threatening.
01/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76180
Web
I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.
06/18/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 97060
Web
XXXX keeps switching creditors and adding an incorrect debt to my credit reporting. Its resulted in dropped scores and denied financing. When I attempt to resolve, its taken off my report for approximately 15 days or so and then readdressed to a different collection agency. Ive requested a 609 letter info and have yet to receive information.
03/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • XXXXX
Web Older American
I am receiving letters from a company that represents XXXX. They are claiming that I owe them {$180.00}. I do not. Upon cancelation of my service from XXXX I asked the representative if I was clear of my obligation to them and they assured me that I was. I am receiving messages threatening my credit rating and I don't owe them anything.
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32505
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
02/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37221
Web
I am a victim of identity theft. I received a notice that a debt collector called FRONTLINE ASSET STRATEGIES with an original creditor of XXXX has opened an account in my name. I am not a XXXX customer not have I ever been. I spoke to XXXX today and was told to inform the debt collector that this account was a result of identity theft.
12/06/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38118
Web
Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
05/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 070XX
Web
Frontline has infringed up my rights to privcy as a consumer. They are in violation of the following sections of the Fair Debt Collection Practices Act. 1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692 ( d ) 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692e ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692c ( a )
05/31/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77024
Web
I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota
01/06/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 64801
Web
I've gotten multiple calls in the last XXXX weeks from XXXX, which caller ID identifies as Frontline Asset Strategies, a debt collector. I do not have any outstanding debt and the caller is not leaving any kind of message to explain why they're calling. The number has started calling twice a day.
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19901
Web
Frontline Asset Strategies is trying to collect a debt in the amount of {$1000.00} from me from XXXX XXXX. I received this letter today. I don't know what this is for, I was never contacted about this before, I never owed anything, never had a judgment. I can only assume this is identity theft.
01/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 142XX
Web
I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.
01/16/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • OH
  • XXXXX
Web
I pay the debt it was a pay for delete never was deleted then I got a call from a private phone the other day saying it was frontline assets the guys name Was XXXX telling he can remove it for {$100.00}. If I XXXX XXXX him the money sounds like a scam. I payed for a deletion I want it deleted
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 333XX
Web
I have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.
10/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34743
Web
THIS ACCOUNT FROM XXXX WAS XXXX ON XXXX XXXXXX/XX/XXXX TO THE COLLECTION AGENCY XXXX XXXX XXXX, NOW FRONTLINE ASSET STRAGETIES IS REQUESTING PAYMENT ON XXXX XXXX THE RECEIVED FROM TO VALIDATE THIS DEBT AS TODAY XXXX THEY NEVER RESPONSE WITH THE DOCUMENTS THAT PROVE I OWED THIS COMPANY
08/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19027
Web
Reached out to the company to get a proof of contract as I feel I am not liable for this nor was I notified of any collection and would like this removed from my account FRONTLINE ASSET STRATEGI Last reported XX/XX/2023 {$4800.00} Open balance XXXX XXXX XXXX XXXX Original creditor
09/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 366XX
Web
I received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.
08/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37042
Web Servicemember
First and foremost I did not do business with XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX and nor Frontline Assets Strategies LLC. They are trying to collect a debt for XXXX. Which I have no idea what the debt is for. Their email is very vague. They need to stop emailing.
12/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34746
Web Servicemember
Frontline Asset Strategies states on my credit report that this debt was opened on XXXX XXXX. This is a preexisting debt that was closed last XXXX This was done to further impair my XXXX XXXX in an attempt to get payment. This account has been closed for over a XXXX
06/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • XXXXX
Web
Frontline assets strategies mailed correspondense to my accountants home address. I did not make any purchases in the amount {$4100.00} delinquency date of XX/XX/2019, also the name on debt letter is not my full name. Your help is very much appreciated
02/10/2017 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IN
  • 46835
Web
FRANTLINE AND XXXX ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' 11 COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 7 COUNTS OF F.C.R.A. 16 COUNTS OF T.C.P.A. 18 COUNTS OF F.D.C.P.A.
05/05/2022 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
  • Investigation took more than 30 days
  • TX
  • 76134
Web
This is not my account, I do not have a XXXX account before. I have try to called them to get this off my credit and tell them keep give me the running around about this. My name have been change since XXXX i do not go but the last name XXXX anyone
06/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85382
Web
On XX/XX/2018, Frontline Asset Strategies called my father at his work and told him that they were a collection agency attempting to get a hold of me. My father is not on the loan, and they knowingly called a 3rd party at their place of business.
10/20/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IL
  • 60605
Web
Reporting a written off debt from XXXX and attempting to collect it from me in Illinois or Georgia : but they do not have a collection agency license in Illinois to report on my credit or attempt to collect. The original debt was written off.
07/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • XXXXX
Web
I asked frontline assist to verify all information as to how this debt is owed to them by me, verify a wet signature within 30 days of those letters i sent to them but again they sends bills but will not verify or send the original contract.
01/21/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 483XX
Web Servicemember
This XXXX account was fraudulent from last year and it was deleted and resold again. I had this deleted from my credit with a police report and FTC report and XXXX report. I have never had XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/13/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • FL
  • 32810
Web
Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.
05/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 370XX
Web
I closed and paid off my phone and phone bill like a year ago, and suddenly I got a bill of {$43.00} that I supposedly own, after me contacting them and paying everything over the phone around XXXX or XXXX of XXXX.
01/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30033
Web
opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its XXXX accounts open with the t mobile company, they are asking for XXXX $ that i did not aprove or did myself
12/12/2017 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 11234
Web
On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.
07/22/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33160
Web
I received a letter from Frontline Assets Strategies threatening to report an amount of {$34.00} which they claim I owe to credit reporting agencies. That amount is incorrect! I owe much less than that!
09/26/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • XXXXX
Web
Received multiple letters/phone calls from Frontline Asset Strategies , LLC, trying to attempt a debt. Requested a notarized debt validation letter between self and Frontline Asset Strategies , LLC.
06/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17036
Web
I recently called frontline asset regarding this issue I tried to explain to the representative that it is illegal to try to collect funds without verification and he just hung up on me
10/01/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 28630
Web
Calling about a debt that i don't owned and is not on my credit. Calling multiple times a week. Asking me for personal information like SS, Address, before that tell me when is calling.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30274
Web
The perpetrator somehow got ahold of my information and opened several phone accounts in my name. I myself XXXX XXXX did not open these accounts and never have I used these accounts.
05/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 19140
Web
I have no kowdeldge of this account I have never done any business with this creditor. Please remove this account from my consumer report per to failing to comply with 15 USC 1681.
07/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • RI
  • 02908
Web
Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection
09/01/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 293XX
Web
This collection is fraudulent. This charge doesnt belong to me. The collection company is called frontline asset!. I filed a police report and submitted it as well.!!!
01/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WV
  • 247XX
Web
I have had multiple fraudulent credit cards opened in my name. Also my address has been changed to the address in files below located in XXXX which is not my address!
05/08/2023 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60624
Web
This item does not belong to me. I sent out letters on XX/XX/2023 regarding this item along with others. Its been way over 30 days since I heard anything back.
11/13/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19023
Web
This account on my credit report is due to Identitiy Theft. Please delete this collections from my account. This account reported on XX/XX/2023 for {$880.00}.
05/11/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30315
Web
The address on their file does not belong to me. This is NOT my account. This is fraud! I am tired of reporting this. XXXX knows this is not my account.
09/12/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45069
Web
I asked for debt validation as this debt is not mine and all they sent was a one page looks self generated invoice and no actual verification of debt.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92879
Web
Frontline asset strategi is attempting to collect on a XXXX XXXX and XXXX and XXXX are all in violation of 15 uscode 6802 the gramm leach bliley act
04/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • GA
  • 31907
Web Servicemember
the dedt is not mine they do not have a contract with signature on it and have trying to reach them it derogatory against my credit
04/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • XXXXX
Web
I have retained legal counsel and per the FDCPA I wish for all communication to cease and desist. I will be filing BK.
05/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15001
Web
I was sent a bill from XXXX that was for someone with the same name through Frontline Asset Strategies , LLC XXXX
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77379
Web
I do not recognize the charges nor was there any proper paperwork submitted for this to be on my credit
06/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • XXXXX
Web
Frontline Asset Strategies I would like to attach addtional information to be forward to company
01/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90043
Web
This debt is not mine I have no knowledge of this debt it belongs to someone with similar name
04/29/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 503XX
Web
Please see attached documents as it contains my full complaint and request.
03/31/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 92110
Web
Sent an email to my mom talking about my supposed debt. I'm not a minor.
04/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 304XX
Web
Check my credit report and notice unfamiliar things.
11/28/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 346XX
Web
Call constantly my family and me and makes threats
02/18/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 74063
Web
I have nothing within the collection time limit.
01/29/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30253
Web
01/27/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70809
Web
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20772
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33607
Web
01/24/2024 Yes
  • Debt collection
  • Telecommunications debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 427XX
Web
01/24/2024 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92377
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85203
Web
01/23/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37042
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10024
Web
01/15/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70119
Web
01/14/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33445
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90723
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02301
Web
01/11/2024 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 395XX
Web
01/08/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • RI
  • 02816
Web
01/08/2024 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 347XX
Web
01/04/2024 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23434
Web Servicemember
01/04/2024 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60706
Web
12/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21215
Web
12/27/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 02269
Web
12/23/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23666
Web
12/22/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NJ
  • 08093
Web
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32714
Web
12/17/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • OK
  • 740XX
Web Servicemember
12/15/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91780
Web
12/11/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33162
Web
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19132
Web
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30060
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63112
Web
11/28/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92592
Web
11/21/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MI
  • 48203
Web
11/17/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14211
Phone
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90222
Web
11/11/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18101
Web
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23235
Web
11/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33467
Web Older American
10/28/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33162
Web
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 10029
Web
10/16/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92649
Web
10/13/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32225
Web
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63830
Web
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07740
Web
10/05/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 454XX
Web
10/04/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 79928
Web
09/29/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48184
Phone
09/28/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33803
Web
09/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07410
Web
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 43016
Phone
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94531
Web
09/21/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94124
Phone
09/21/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19050
Web
09/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PR
  • 00921
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75409
Web
09/11/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60586
Web
09/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33027
Web
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 76522
Web Servicemember
08/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17552
Web
08/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60619
Web
08/02/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30019
Web
08/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10471
Web
07/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 630XX
Web
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19147
Web
07/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44121
Web
07/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 86326
Web
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45373
Web
07/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34655
Web
07/14/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10011
Web
07/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46234
Web
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11239
Web
07/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30067
Web
06/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46268
Web
06/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19147
Web
06/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11368
Web
06/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11368
Web
06/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • RI
  • 02914
Web
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34482
Web
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11239
Web
06/10/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 17104
Web
06/09/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75071
Web
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85122
Web Servicemember
06/06/2023 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
  • 75211
Web
06/04/2023 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90292
Web
05/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28278
Web
05/25/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20904
Web Servicemember
05/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06514
Web
05/16/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60472
Web
05/15/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33160
Web
05/14/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32177
Web
05/08/2023 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
  • TX
  • 75054
Web
05/05/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08081
Web
05/04/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 56301
Web
05/01/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11212
Web
04/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08046
Web
04/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80234
Web
04/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89135
Web
04/21/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33170
Web
04/19/2023 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02303
Web
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95123
Web
04/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10455
Web
04/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23221
Web
03/30/2023 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
  • GA
  • 30315
Web
03/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30019
Web
03/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19401
Web
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77042
Phone
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77530
Web
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08021
Web
02/24/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60624
Web
02/23/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44512
Web
02/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30034
Web
02/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30127
Web
02/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30339
Web
02/18/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77070
Web
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
02/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 67337
Web
02/08/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92411
Web
02/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10537
Phone
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17111
Web
01/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33346
Web
01/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30047
Web
01/18/2023 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
  • CO
  • 80924
Web
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30215
Web
01/11/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 76227
Web
01/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75050
Web
12/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 49008
Web
12/23/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94531
Web
12/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28144
Web
12/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19104
Web
12/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94531
Web
12/02/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07083
Web
11/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76542
Web Servicemember
11/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11201
Web
11/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33619
Web
11/20/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85379
Web
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44060
Phone Older American
10/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20772
Web
10/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23462
Web
09/30/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21218
Web
09/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33137
Web
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33897
Web Older American, Servicemember
09/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96797
Web
09/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19154
Web
09/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60628
Web
09/05/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 10459
Web
08/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60438
Web
07/30/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30331
Web
07/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11201
Web
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11222
Web
07/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85225
Web
07/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33404
Web
07/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 53555
Web
07/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20764
Web
07/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11378
Web
06/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77077
Web
05/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23601
Web Older American, Servicemember
05/13/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97219
Phone
05/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40118
Web
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77054
Web
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21113
Phone
03/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60502
Web
03/23/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30083
Postal mail
03/19/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90260
Web
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33592
Web
02/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28202
Web
02/03/2022 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Keep getting calls about your loan
  • FL
  • 32405
Phone
01/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98258
Web
01/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30238
Web Servicemember
01/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 503XX
Web
12/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 14624
Web
12/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60626
Web
11/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84405
Web
10/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ND
  • 58784
Phone Servicemember
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27377
Referral
08/20/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 07753
Web
08/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 76137
Web
08/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75023
Web
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37072
Web
07/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60714
Web
07/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75010
Web
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19606
Web
06/23/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23503
Web
06/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
Web
06/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
05/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11003
Web
05/27/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MD
  • 20774
Web
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30168
Web
04/21/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44302
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07208
Web
04/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 14612
Web
03/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21045
Web
03/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33460
Phone
01/15/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10451
Web
12/21/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30045
Web Servicemember
11/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21284
Web Servicemember
10/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MN
  • 55408
Web
09/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19403
Fax
08/31/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 11233
Phone Older American
08/05/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30082
Web
05/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48227
Postal mail
02/29/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30474
Web
08/29/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75159
Referral
07/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93636
Phone Older American, Servicemember
07/24/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AK
  • 99654
Postal mail
07/23/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 18210
Web
07/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77008
Referral
05/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30252
Web
05/16/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07039
Postal mail
05/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30252
Web
04/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 33647
Web
03/31/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89142
Web Servicemember
03/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91740
Web
02/16/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95843
Web
10/30/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 16150
Referral
09/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95123
Web
08/09/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32308
Referral
06/15/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 49343
Web
05/22/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
Postal mail
03/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • WI
  • 54406
Phone
02/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84003
Web
01/17/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30034
Referral
11/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48227
Web
10/18/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30349
Postal mail
09/20/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53094
Referral
09/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11212
Postal mail
09/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30349
Postal mail
08/10/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NE
  • 68029
Web
06/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62275
Postal mail
06/14/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 91710
Web
05/17/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62275
Postal mail
04/28/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48329
Phone
04/11/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NY
  • 11378
Web Older American
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 49443
Postal mail Older American
04/03/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 93004
Referral
03/30/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98208
Phone Servicemember
03/01/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11435
Postal mail
01/24/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37013
Web
11/02/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77449
Web
09/28/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33625
Referral
07/23/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63144
Web
07/05/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 33077
Web
04/21/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NE
  • 68124
Web
04/18/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22102
Web
03/17/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 33155
Postal mail
03/09/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 15235
Web
03/01/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • ME
  • 04102
Web
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23464
Postal mail
10/21/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 49504
Web
10/20/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NY
  • 10009
Web
09/29/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • IL
  • 60622
Web
08/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97865
Referral
08/12/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • MS
  • 38701
Web
07/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11726
Web Older American
06/26/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NH
  • 03087
Fax
04/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NJ
  • 07726
Web
04/16/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07834
Referral
03/09/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84114
Web
02/13/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MA
  • 02136
Web
01/26/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • GA
  • 30331
Phone
01/17/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33076
Web
01/14/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AL
  • 35160
Web
01/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 32164
Web Servicemember
11/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IL
  • 60445
Web
10/24/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32164
Web Servicemember
10/06/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 62629
Phone Older American
09/30/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94513
Web
08/19/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92504
Phone Older American
08/02/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97862
Web
06/13/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92691
Web
04/17/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NY
  • 14150
Web
04/09/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19124
Postal mail
03/27/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • RI
  • 02862
Referral
01/17/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NY
  • 13021
Web
01/16/2014 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93101
Web
12/20/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NC
  • 28630
Web
12/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95003
Postal mail
12/12/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21658
Phone
12/02/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37421
Web
11/01/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11412
Referral
10/25/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • NY
  • 11783
Web
10/10/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94611
Web
10/01/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 10040
Web
09/11/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11103
Referral
09/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WI
  • 53403
Web
08/26/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95111
Postal mail
07/24/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95340
Web