Gatestone & Co. International Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48103	Web
XXXX XXXX is reducing their risk exposure during the pandemic by targeting and culling cardholders that their system can/could determine were most impacted by the on-going pandemic. As many of those individuals are women with small children, and/or individuals who are XXXX, and/or are from minority backgrounds, XXXX XXXX is now discriminating in their lending and credit practices against those in at least three ( 3 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) and Regulation B, and the Americans With Disabilities Act, respectively. American Express appears to have additional violated several portions of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ), 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ), and 12 CFR Part 1026 - Truth in Lending ( Regulation Z ). In XXXX XXXX ' XXXX XXXX response to CFPB complaints XXXX, XXXX & XXXX, XXXX XXXX implied that I had been receiving bills and was able to make payments through their online system between the months of XX/XX/XXXX and Present because " I was able to make a payment on XXXX XX/XX/XXXX. '' That is when I was able to regain access to the system after American Express re-enabled access through it's web portal. In that same responseXXXX XXXX XXXX XXXXhreatened AND/OR took action by placing my account into an alleged CO status on or around XXXX XX/XX/XXXX. The issue began when XXXX XXXX sent the account for collection to an outside agency alleging it was " seriously delinquent '' in XX/XX/XXXX. Per XXXX XXXX, the instructions were quite clear on how I was to make payment if payments were not automatically set up through the collection agency. In the XX/XX/XXXX e-mail, XXXX XXXX instructed payments to be made on a new site, presumably designed for handling collections, using a five ( 5 ) digit reference code. However, the provided URL provided for the website required a full card number and eand 4-digit card id. The XX/XX/XXXX notification made no mention of my ability to pay by phone, nor mentioned the ability to pay through mail, and provided a limited list of options for paying through XXXX XXXX itsef. I was not able to pay using the new XXXX XXXX system because I no longer had the card information. Moreover, since XXXX XXXX disabled access through their regular web portal between the months of XX/XX/XXXX and XX/XX/XXXX, I was not able to retrieve statements online. As such, my only recourse was to elect for automatic payments through the outside collection agency. When the collection agency changed, the ability to make automatic payments changed. The bottom line is XXXX XXXX was aware that there had been an issue with me receiving statements since XXXX XX/XX/XXXX, as they were notified in-writing by the collection agency assigned to service that account. Yet, they no actions to investigate the mater beyond having the address information verified by that collection agency. Further, they did not conduct a billing error investigation as required under 12 CFR 1026.13 in response to my billing error notification placed with XXXX XXXX in writing by the collection agency on my behalf. The FCBA requires that XXXX XXXX promptly conduct investigations when a consumer files a billing error complaint/dispute. It is unlawful not to conduct an investigation when a consumer notifies a creditor, in this case XXXX XXXX, in writing or electronically. XXXX XXXX knew there was a billing issue ( trouble receiving statements ) because they sent me a " How to Print Statements At Home '' e-mail on or around XXXX XX/XX/XXXX. So, they simply didn't care to address the issue UNTIL such a time as the could place the account in a CO status. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits deceptive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is considered deceptive under the CFPA if it ( a ) misleads or is likely to mislead the consumer ; ( b ) the consumers interpretation of the act or practice is reasonable under the circumstances; and ( c ) the misleading act or practice is material. XXXX XXXX acknowledges sending the account for collection to an outside agency on or around XX/XX/XXXX. I received an e-mail from XXXX XXXX on/around XXXX XX/XX/XXXX notifying me of the transfer to an outside collection agency and was specifically instructed to work with that agency to pay the balance on my account. The e-mail provided the url for the collection agency 's payment system where I was to make payments. Although that same e-mail stated I could continue to pay my bill through the XXXX XXXX, I was provided a url to do so that was different than the normal website. To quote, " You may also pay your balance online at [ www.americanexpress.com/waytopay ] using a five ( 5 ) digit reference code XXXXX to access the website. '' This XXXXX number was my ZIP CODE. I was no longer able to retrieve statements nor able to log into the web portal through the mobile phone app or website. I now had to pay through the " new '' url provided -- it required the full account number and the 4-digit card id. I no longer had the physical card because I was told the account was canceled and that upon reinstatement, once the balance was paid-off, I would receive an entirely new card with a different card/account number. The goal of XXXX XXXX was to get the " pay-over-time '' balance paid off on my account as quickly as possible because they were not making enough money on interest payments to keep the account on the books. XXXX XXXX knew my account was canceled. They knew I would be paying through a different/new website, as their e-mail notified/instructed me of the two ( 2 ) applicable ways to pay : through collection agency payment, through the new/alternative XXXX XXXX website. Any company that creates a web-portal creates use-cases for the different types of users that will log into their systems through that portal. A card-member whose account is canceled is unlikely to keep the card, and is likely to destroy the card for security reasons. Such a user is not able to use an old paper statement to retrieve their account number because the full account number is not printed on the statements -- for security reasons. When a card is destroyed the card-member can no longer retrieve the 4-digit card id. Neither the full account number nor 4-digit card id is given out over the phone due to : security reasons. Therefore, in the course of use-cases, XXXX XXXX knew XXXX or should have known, a card-member with a canceled account would likely be unable to log into the " new '' website because they would no longer have access to the full account number, or 4-digit id. The deception then occurs in the e-mail notifying of placement, wherein XXXX XXXX would hold they provided the 'credentials ' necessary to log into the this website via the five ( 5 ) digit reference code, establish the website to require the full card number and 4-digit card id to gain access to it. XXXX XXXX would then only need to wait out the clock to charge-off the account and write the amount off or pursue avenues of legal action to recover the alleged amount due. In the process, XXXX XXXX would be able to have an excuse not to reinstate a cardholder upon recovering the alleged outstanding balance, claiming " Well we even gave the consumer the opportunity to regain card membership AFTER they paid off the remaining balance and they STILL refused to pay. '' Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). 22. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ). I am in fact entitled to retrieve/receive periodic monthly statements. If an institution is aware that there has been difficulty receiving statements through mail, then it is unlawful not to provide access to those statements on a periodic basis by other means if those other means are available to other consumers ( cardholders ). As I was not getting statements per mail and was not able to retrieve statements through the online portal because it required a full card number, I was deprived of right of notice under Regulation Z pursuant to the FCBA. I notified XXXX XXXX, as I was supposed to, around XXXX XXXX when I stopped receiving statements. XXXX XXXX records receiving payment WHILE automatic payments were enabled through the outside collection agency. The collection agency was changed at the decision of XXXX XXXX on or around XX/XX/XXXX. I had no contact with that collection agency. The payments were no longer automated. I authorized a payment on or around XXXX XX/XX/XXXX. I still have not received a XX/XX/XXXX statement. patently unfair to penalize a consumer 's credit file when they have no access to be able to inspect their periodic statements and are having trouble receiving those statements by mail. It is not sufficient under Regulation Z for me to CALL XXXX XXXX so they can " tell '' me what it is I owe. Verifying the ability to make a payment at some end-point, in this case XXXX XX/XX/XXXX, says nothing about whether a consumer was able to pay through the website or retrieve statements prior to that date. Verifying an address is not a substitute for conducting an investigation and is unlawful under 12 CFR 1026.13. The collective actions taken by XXXX XXXX are set up specifically to place certain groups of card-members ( consumers ) in a position of being held hostage, where the only relief is to authorize XXXX XXXX unfettered access to one ( 1 ) or more of the consumer 's bank accounts via automatic ACH withdraws and/or to " trust, '' orally, what an agent of XXXX XXXX says is `` owed '' is indeed accurate without being able to inspect a billing statement. This construction specifically denies a consumer the ability to check a statement itself for errors, overall depriving a consumer the right to dispute the validity of charges, errors, and payment history that is supplied to consumer reporting agencies on a routine basis. The outcome of not " trusting '' what in this case " can not be seen or inspected, '' is injury to a consumer by reporting delinquency statuses to consumer reporting agencies that then damages the credit-worthiness of a consumer with other current or potential creditors. The negative history itself can stay in a consumer file for up to seven ( 7 ) years. None of these processes and procedures were established for the benefit of the consumer, nor do they benefit competition. Rather they were established explicitly for XXXX XXXX to be able to reduce their risk exposures to consumers their analytics system can/could determine were most impacted by the pandemic. As many of those individuals are women with small children, or individuals who are temporarily XXXX, and or, completely XXXX, XXXX XXXX is now discriminating in their lending and credit practices against those in at least two ( 2 ) protected classes. Such discrimination is patently prohibited under the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 and Regulation B, and the Americans With Disabilities Act, respectively. It is suspect the date the account was allegedly CO by XXXX XXXX was after complaints were filed with the CFPB. That is, complaints were filed within the previous ninety ( 90 ) days preceding the charge-off, making the delay in addressing this matter and subsequent CO appear retaliatory for filing complaints against XXXX XXXX XXXX Such retaliation is unlawful as filing these complaints with a government agency is protected.
03/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75240	Web
My husband and I moved into a rental home a few months ago. We subscribed to XXXX XXXX for satellite TV and internet service - a bundle package. The internet was set up with XXXX XXXX XXXX Because of our location, XXXX XXXX XXXX had to set us up with their XXXX XXXX. They shipped equipment to us and had a technician to come out to install. The internet service was terrible - we could not get service on one end of our house, the service was slow and caused the TV shows to interrupt and search for signal ( the modem was only 10 feet away ), we could not use the wireless service on our phone and computer at the same time. I made multiple calls ( MULTIPLE ) and spoke to individuals who were obviously in a different country. A few times I did manage to speak to someone in the US. I finally got ahold of someone who was able to increase our internet capacity. The service was still very bad and didn't really change. I again made MULTIPLE calls ( I even called XXXX XXXX ) and couldn't reach anyone who could resolve our problem. We decided to close our the XXXX XXXX XXXX XXXX account and switch to a more reliable provider. I called both XXXX XXXX and XXXX XXXX XXXX to inform them we were closing the accounts and asked how I should return the equipment. I offered to return to a local store but was told by both companies to take the equipment to XXXX XXXX and they would pack and ship the equipment for me - no charge and nothing needed for me to send along with the equipment. I bundled all of the equipment, put sticky notes on each with the respective account number for the XXXX XXXX equipment and the XXXX XXXX XXXX equipment, and took them to a XXXX XXXX shipping location. They took the equipment, told me that's all that was needed from me, and gave me a receipt. Later I received final bills from XXXX XXXX and XXXX XXXX XXXX I called XXXX XXXX and asked them to confirm the equipment had been received and what the adjustment to my bill would be. They didn't show in their system a credit for the returned equipment. They got the information from me off the XXXX XXXX receipt, put me on hold, came back and told me the equipment had been received and they would send an adjusted final bill. They did, and I paid the bill. I tried to do the same thing with XXXX XXXX XXXX - I called, asked them to confirm the equipment had been received. They told me it had not and we would have to wait. I asked for an itemized bill showing the equipment charge and credit. The next bill came and it was the same, no itemization and the amount was the same. I again called and asked them to confirm the equipment had been received. I was told " we'll just have to wait ''. I asked to speak with an agent in the US. I was transferred to someone who told me there would be no credit for the equipment. I asked why I was told to return the equipment if they weren't going to give me a credit. The rep said she was putting me on hold but I heard her speaking to someone about me and she was very irritated with me, then the phone line was disconnected. Each time I called I asked if I could give them the information from the XXXX XXXX receipt but they always declined. I asked for an itemized bill so I could see the information regarding the equipment but was never given one. I asked what the amounts were for the equipment charges/credit but no one seemed to be able or willing to give me that information. I told the agents that I wanted to pay the bill but did not want to pay for the equipment I had returned - I would have another battle on my hands to get a refund from XXXX XXXX XXXX. After the last rep hung up on me, I got on a chat conversation with XXXX XXXX XXXX and asked for a customer service email or mailing address. I was told there is not an email address. They gave me an address for a XXXX office for XXXX XXXX I wrote a letter to that office and asked for assistance in locating the returned equipment and an itemized bill. I have not received a response. I have now received a notice from a collection agency. I don't know what else to do. I am very willing to pay my final bill but I do not intend to pay for equipment that I have returned to XXXX XXXX XXXX I just want a final itemization showing the dollar amounts associated to the equipment and whether it is a charge or a credit. Thank you
10/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92504	Web	Older American, Servicemember
Below is a letter sent to XXXX XXXX XXXX that pretty much sums up most of the problem, except that we recently started receiving telephone calls and from a debt collection company. I do not owe XXXX XXXX XXXX anything, we tried to discontinue all services, but they did something wrong and kept billing us. When I refused to pay, they sent us to a collection agency. I have sent the collection company the same information in the document below. XXXX XXXX XXXX : We appreciated the opportunity to be subscribers of XXXX XXXX XXXX for many years and regret the need to leave, in other words, terminate our XXXX XXXX XXXX wireless services on all our devices. On XX/XX/2018, WIFE went into the XXXX XXXX XXXX corporate store at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and spoke with a clerk and terminated all wireless devices with XXXX XXXX XXXX and paid the required and requested amount of {$450.00} to terminate all wireless services. Shortly after termination with XXXX XXXX XXXX, a bill for services was received, but, how is that possible? WIFE personally spoke with someone to terminate services as explained above. Lets back up a little bit. WIFE initially telephoned XXXX XXXX XXXX and attempted to terminate services telephonically but was denied. She was instructed to appear personally in front of a corporate employee to terminate services. Well, apparently, that did not go well because the corporate employee did something wrong because she got another bill for services. WIFE promptly telephoned XXXX XXXX XXXX and advised an employee over the telephone that services should have been terminated on XX/XX/2018 when she paid {$450.00} to XXXX XXXX XXXX in person to terminate services. When XXXX XXXX XXXX failed to terminate services, HUSBAND telephoned XXXX XXXX XXXX and informed XXXX XXXX XXXX that XXXX XXXX XXXX services were terminated on XX/XX/2018 when WIFE paid XXXX XXXX XXXX {$450.00}. Well, that did not work out either. HUSBAND called XXXX XXXX XXXX approximately 4 times trying to terminate services over a few weeks, which apparently did not happen, because we received more bills for service. HUSBAND was then instructed to personally appear in front of a corporate XXXX XXXX XXXX employee to fix the problem. So, HUSBAND went to the XXXX XXXX XXXX store on XXXX and was informed that they could not fix the problem. HUSBAND was informed that if we could prove that we made a payment of {$450.00} on XX/XX/2018 when WIFE attempted to terminated services, XXXX XXXX XXXX would resolve the problem for the {$450.00} because we paid the proper amount on XX/XX/2018 to terminate services as of that date. ( Oh, and by the way, the XXXX XXXX XXXX employees we spoke to acknowledged the fact that they were able to see our {$450.00} payment on XX/XX/18, so why would we need to demonstrate such, humm. ) Andwe got another bill. HUSBAND then telephoned XXXX XXXX XXXX services again and spoke to a clerk that could not fix the problem, so HUSBAND spoke to a supervisor who informed HUSBAND that he needed to pay the outstanding balance to terminate serviceswhewandwe just got another bill threatening a collection agency. Please fix this problem, WIFE personally paid {$450.00} on XX/XX/18 to terminate all services with XXXX XXXX XXXX, it should have stopped. By-the-way, all our telephone numbers were ( XXXX ) telephone numbers, none were ( XXXX ), your last letter dated XX/XX/2018 referred to ( XXXX ) numbers. If you have any questions or concerns, please call me at???????????? Please consider this an official request for a copy of all documentation in the possession of XXXX XXXX XXXX demonstrating all the efforts made by WIFE and HUSBAND attempting to resolve this problem. In telephonic conversations with XXXX XXXX XXXX, and in conversations with XXXX XXXX XXXX personnel at the corporate XXXX XXXX XXXX store, HUSBAND was informed repeatedly that records ( sometime referred to as notes ) were generated of each and every contact we made with XXXX XXXX XXXX, either in person or over the telephone, attempting to resolve this billing issue. Thank you for your prompt attention to this matter. AMOUNT DUE : {$0.00} Account Number :????????????? LINE ITEM ITEMIZING PAYMENT OF {$450.00} TO XXXX XXXX XXXX, AKA XXXX XXXX FROM XXXX STATEMENT
05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90033	Web
Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!
11/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 908XX	Web
I had purchased a Hotspot ( model Velocity ) at the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store, in full, with the unlimited plan on XXXX for {$130.00}, found that the device had no signal where I reside and returned the device under the 14 day return policy on XXXX ( within 7 days ) and was credited {$87.00}. Please see attached copy of my credit card statement. I was assured by the XXXX XXXX XXXX store employee that if I return the product and cancel at the store within 14 days that there will be no charges. I was not even aware that there was a restocking fee, as no one informed me. Please see their website regarding the 14 return policy at : https : //www.att.com/XXXX XXXX XXXX I returned the product to the XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX store asking one of the agents to cancel the account and payed the restocking fee of {$45.00}. In early XXXX of XXXX I received a bill for {$140.00} and a letter that the balance will be forwarded to a collection agency ( please see attached ). I have called XXXX XXXX XXXX customer service many times, each time being put on hold and transferred to countless agents whom none of which knew how to resolve the problem. Finally after investing many days and hours I finally reached someone who was able to change the cancellation code in the system. Apparently, he said, the wrong cancellation code was used by the employee at the XXXX XXXX XXXX store where I purchased. Please refer to XXXX & XXXX recorded conversation associated with this account number for clarification. I am now harassed by Gatestone Collections on a routine basis even though I was assured by the last XXXX XXXX XXXX customer service representative in early XXXX that the collections account will be withdrawn. Even though the phone number is in my area code ( XXXX ), after some research, I found that Gatestone HQ is located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. I sent a certified letter on XXXX XXXX, XXXX to retrieve the account from collections and cancel the debt to the following XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CEO XXXX XXXX. XXXX XXXX, Sr. Executive VP XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sr. Executive VP & CCO XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
04/08/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	TX 77584	Web
Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX. On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment. I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.
04/11/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 20111	Web
On XX/XX/XXXX, I spoke with XXXX XXXX about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later thanXX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me. Next, I received a phone call on MondayXX/XX/XXXX from XXXX who said she was representing gatestone at XXXX telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from gatestone called him about me. I did not have time within those 48 hours to contact them back and did so today. I asked to speak directly to XXXX who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with XXXX XXXX regarding the payment plan to which he told me that was past the due date. Additionally, I requested that gatestone no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail. Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me. I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
06/28/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85086	Web
OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
06/28/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85086	Web
On XX/XX/XXXX approximately XXXX I received a phone call from 'XXXX ' from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for XXXX county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
04/13/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 12020	Web
Gatestone has been collecting on an XXXX XXXX account. Earliest record I have from them is dated XX/XX/XXXX with an account balance of XXXX. Over the past 3.5 year i have been paying them a scheduled XXXX/month. I recently changed payment amounts to XXXX $ /month. I have always been in contact with them. I have requested multiple times over the 3.5 years that they call no other numbers besides my cell as the others associated with my account, that they read back to me, were family, friends, or previous employers. I answered a phone call on my cell phone XXXX from Gatestone XXXX at XXXX on XX/XX/XXXX for a duration of 9 minutes. On XX/XX/XXXX at XXXX XXXX I received a call from Gatestone XXXX that I answered on a 'virtual ' telephone number XXXX issued by XXXX for XXXX XXXX and tied to an email account ; I just happened to be in that account when it 'rang '. I asked Gatestone rep. XXXX XXXX ( phone call recorded ) why he was calling that specific number and what other numbers was he calling. He then informs me that he has left messages on other voicemails stating that it's 'Gatestone ' before I spoke with a Rep on XX/XX/XXXX. Gatestone was calling these numbers from XX/XX/XXXX through today. XXXX confirmed and read the telephone log. My XX/XX/XXXX payment was received sent XX/XX/XXXX. My next payment of a min of XXXX $ is due XX/XX/XXXX. Why is Gatestone calling around, leaving voicemails, when my next payment isnt due until XX/XX/XXXX. How is it legal? Did Gatestone or its Parent companies take any money from the CARES Act. This account is still held by XXXX XXXX as I still get billing statements from them. XXXX told me ( recorded ) he was calling from Canada and but Gatestone was Founded in XXXX and is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. Current Balance on account as of XX/XX/XXXX less than XXXX $ from XXXX Phone call recording from XX/XX/XXXX at XXXX with XXXX was XXXX but XXXX and I was unable to upload, I will try and Compress
03/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10036	Web
I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal information.
08/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95207	Web
On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.
01/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30813	Web
XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.
02/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 548XX	Web
My husbands company, Mr. XXXX XXXX was sold to another individual and Mr. XXXX XXXX was closed in XX/XX/XXXX. They had a debit card through XXXX Banking that was also closed at the time of the sale. Between the close of the account and the next billing cycle, a charge of {$24.00} was processed thru the account. We no longer received statements on the closed account, so we had no knowledge of the outstanding charge - which we never disputed. Had we known, we would have paid the balance promptly. In XX/XX/XXXX we received a Memo Statement from our bank indicating an unpaid balance of {$310.00} with a statement on the Memo Statement stating for information only - do not remit payment.. We visited our local banker and at this time were informed that they can not resolve the matter and that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. To date we have never received any written notice that the initial amount and resulting late fees and interest are due from XXXX. We only continue to receive the Memo Statements from our bank. We have contacted XXXX ( XXXX ) to resolve this matter but are only allowed to speak with persons who will except full payment, but not consider this matter to an agreeable conclusion. If we owe the {$24.00} - that is not an issue. What we do not feel is fair is to charge us the late and interest fees for the past two years without ever receiving a method in which to resolve the matter. The last conversation in had with XXXX on XXXX XXXX they told me to write this matter to the attention of XXXX. I did so that day and have not received any response. Today, I received another Memo Statement from XXXX showing the current balance as remaining at XXXX
05/21/2020	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33009	Web
Hello, my name is XXXX XXXX unfortunately I got laid off from work at XX/XX/XXXX, due to covid19 pandemic and XXXX XXXX sent my card to collection, I got call from company called Gatestone ( what I find out when I asked who is that ) and I was notified that my balance is XXXX. XXXX $ cents ( right now its about XXXX $ ) at what I responded that I have no chance to pay any amount on any of their fake arrangements ( they told me pay XXXX $ min no matter what, thats funny I need to save money for food cuz here no work ), since that time they added like XXXX $ in fees about which they never told me or sent in email, when I asked why my balance goes up all the time they told me we dont know, ask your bank, after what I called bank and they told me that this is collection company responsibility and they cant access account. Other problem whats making me mad is their calls, they didnt missed any single day in last 2,5 months without calling me like 2-3 times a day minimum, sometimes when I pick up the phone they dont even saying nothing and just hang up, but when they start speak they trying to get all the info like SSN, DOB and my name before introducing themselves. 2 weeks ago I called them trying to speak to supervisor and find the way to make some kind of arrangements and somehow stop those calls and very first second he started yelling on me and acting arrogant and mad, breaking me while Ive been speaking with him so I didnt got more passions for that and hang up. Right now Im still laid off and waiting for my workplace to reopen on next phase ( Resident of Florida ) and any money I have left I need to keep for food AT LEAST, to survive that. P.S - photo below its the only one email what they ever sent me, sneaky liars.
04/02/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85301	Web
XXXX XXXX came to my home to take xrays after I was hit by a car. The nurse said she didnt feel like she could do it and called the ambulance services which I didnt authorize her to do. They assured me they would take me to the hospital for xrays and bring me back home because I dont have any family or friends or anyone who could bring me back home. Instead, when I arrived at the hospital I was dropped off and left in the emergency room for over 8 hours! I had to find my own way home. That was not the promise I was given by XXXX XXXX and both of the ambulance drivers that day. I know she felt bad leaving me in the emergency room like that knowing I couldnt even walk to the bathroom for over 8 hours but I experienced extreme pain and anxiety that day which I explained to their office on a number of times. They did not sense the urgency of what I went through or appear to care. I explained that I am a XXXX senior citizen and I cant walk. I depend solely on my scooter to get around. Without my scooter that day in the waiting room, I was begging other patients in the room to ask for help up front to take me to the bathroom. They just ignored me. When someone got close to me I would ask and she would snap at me and tell me to stop bothering her! I ended up embarrassing myself, I was mortified! My experience only escalated from worse at that point. I told their representatives everything but they didnt care about what I went through. I shouldnt have been dropped off. Because of what I went through after I was dropped off instead of them waiting to take me back home like they promised, I dont owe them anything. Thank you
09/04/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 940XX	Web
I contacted gatestone to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by Gatestone. Today Gatestone called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, Gatestone is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.
02/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 640XX	Web	Older American
XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.
01/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.
10/20/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77479	Web
Gatestone & Co. International, Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX This company took over collections of my XXXX XXXX account at some point. They contacted my employer, my daughter, and my husband. Most likely, they contacted my son as well, and I have an open credit card fraud case against him in my county. I certainly did not need him knowing any of my business as he and his current wife have stolen my Social Security number, accessed my medical records without my permission, hacked into my email, and created the credit card fraud mess I am now having to deal with. They claim to be XXXX XXXX when they call. They called my husband twice before he told them they could not call him as he is not on the account. I work 18 hour days as my husband is XXXX and do not have time to talk for hours on the phone with anyone. I can, however, email or do an online chat. For some reason, XXXX XXXX took my account back for collections and I have worked out a plan with them to repay the full amount. I felt the need to report XXXX as they are vicious and are violating the Fair Debt Collection Practices Act. These people are not kind in any way and they make it worse for those of us already going through a nightmare. Please stop them from damaging anyone else.
09/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39212	Web
On XXXX XXXX, I moved from my home on XXXX XXXX XXXX to another address XXXX XXXX XXXX ( not my current address ), where I got new service for XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a representative that in order to get new service at the new address, I had to pay up the bill at the previous address, which was done, and I did receive new service at the new address. In about XXXX of this year, I started receiving numerous phone calls per day from the XXXX XXXX XXXX requesting a debt of about {$130.00} that they felt I owed for a debt they claim they received from XXXX XXXX XXXX. This was not the case since I was able to receive service at my new address. I informed them of this and then ended the call. On XXXX XXXX of this year, I put my number on the do not call registry, and even though it has been over 31 days, I have received 7 harassing phone calls from collections agents of XXXX XXXX XXXX since XXXX XXXX, 31 days after I 've put my phone number on do-not-call. These phone calls stem from a series of XXXX followed by various different ending 4 digit numbers. I am aware of my rights as a consumer and am aware that these companies can be held accountable for breaking these do-not call protocols.
02/23/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 34205	Web
On XX/XX/XXXX I started working on my credit report because I have a car loan from XXXX XXXX XXXX with a balance of {$21000.00}. When I started disputing that account, I did it, because in XX/XX/XXXX I had an accident and my insurance cover a payment on the value of the car. I contacted XXXX XXXX XXXX an ask them for all the information they have on that account, knowing that my balance couldn't be {$21000.00}. After two months of sending them correspondence, I didn't received any answer. Until XX/XX/XXXX, XXXX when I call them via phone, and they told me they don't have any account under my name, but I could call to GATESTONE COLLECTION COMPANY. After that, I called this company knowing the car appears on my credit report as a WRITE-OFF and under XXXX XXXX XXXX. When they answer the phone, they told me they have an account under my name with a balance of {$1700.00}. I asked them to sent me all the copies of proof they have and they sent me only one letter with some inaccurate information, like my address, my name on the address section, my grandma 's name. and that balance, they haven't sent me any proof on how much the insurance paid, or why do I own them that balance.
05/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85140	Web	Older American, Servicemember
XXXX XXXX XXXX agencies. XXXX XXXX has been over-charging my credit card account high finance ; basically half to quarter of payment is applied to high priced finance charges, XXXX XXXX admits to XXXX tactics and account fraud. Sent letter to XXXX XXXX explaining problem and course of action suitable to both parties. XXXX XXXX response letter informed they were not interested and started harassment. I continue to make payment per verbal agreement and written letter. XXXX XXXX sent email XXXX XX/XX/2023 acknowledging payment, yet the the Debt collector sent harassment letters to with INCORRECT amount. The XXXX XXXX account has been paid off several times, but high finance charges will never allow the account to be paid-in-full. XXXX XXXX stated the account would remain open, yet shows my account close on website. XXXX XXXX continues to lie to me, continue with Account Fraud, and stated they have right to discriminate against anyone including XXXX American Veteran. Filed complaints with XXXX XXXX XXXX. XXXX XXXX is currently involved in a major lawsuit to to UNFAIR practices and Account Fraud. I request my XXXX XXXX Account remain open, Account Fraud stop. XXXX XXXX, XXXX
10/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 322XX	Web
I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX UPDATE TO CASE # XXXX GATESTONE & CO had 30 days to validate a debt ACCORDINGLY under 15 USC 1692g and my letter sent and have failed to validate the debt. GATESTONE & CO has instead responded with BANK STATEMENTS which is not sufficient evidence of a debt according to 15 USC 1691g and FEDERAL CASE - XXXX XXXX FCU vs XXXX XXXX XXXX has attempted to collect an alleged debt through obscene matters and is now in violation under 18 USC 892 for attempting to create extortionate extension of credit because a consumer credit transaction was created which comes from a FINANCE CHARGE under 15 USC 1605 where in fact is a SUM OF ALL CHARGES so any alleged debt coming from a FINANCE CHARGE is already paid for and any secondary collection on any extension of credit is fraud, obscene and in violation of 18 USC 1962 under RACKETEERING. GATESTONE & CO has failed to validate the alleged debt accordingly and IS STILL LIABLE for remedy under 15 USC 1692k and 15 USC 1644. I am willing to settle the matter one last time before matters escalate to litigation.
10/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT XXXXX	Web
GATESTONE CO & INC has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a fact GATESTONES CO is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXX has charged off the alleged debt and has sold it to GATESTONE CO. GATESTONE CO has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640. I have tried to settle the matter IN GOOD FAITH and GATESTONE CO has ignored me and tell me they do not fall under the FDCPA and that they are not a debt collector which is false and misleading. I have DEMANDED validation of debt under 15 USC 1692g and GATESTONE CO has failed to validate accordingly and state they do not have to validate according to Federal Law. I am tired of dealing with this debt collector and they have caused me damages in the form of mental stress and physical tiredness. I have been lacking sleep and not eating well because of the misconduct and failure to respond to me accordingly by GATESTONE CO.
09/01/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 94928	Web
this company named Gatestone keeps calling me about some online loan that was taken out in my name. I already provided my fraud report and now they are calling my ex-husband whom i have not been married to for years. I called and was left on hold. Then a XXXX or XXXX XXXX came on the line. I told her Gatestone must " cease and desist '' she told me she can't do that and needs her supervisor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and know the laws and my rights as a consumer. I was left on hold for XXXX minutes and finally hung up. They continue to call me and other people for me. I had a horrible thing happen to me with this fraud and have been dealing with it for months. This Gatestone company is violating the FDCPA, specifically my cease and desist demand. I have consulted XXXX XXXX and will be filing suit against Gatestone. I've never been in collections in my life and this company is violating my rights and i'm sure several other consumers. XXXX has issued a call for Class Action as i'm sure we will have no issues with other consumers coming forward.
12/04/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33703	Web
Gatestone attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX at Gatestone and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers Gatestone has contacted me from : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX and ( XXXX ) XXXX-XXXX. www.gatestoneco.com
04/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85204	Web
I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 349XX	Web
In XX/XX/2016 I contacted XXXX to transfer my internet service to my new address effective XX/XX/2016. I was told that I could reduce my bill to {$39.00} a month from {$59.00} by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the {$39.00} a month was never honored. I contacted XXXX on XX/XX/2016, and spoke to a XXXX who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for {$59.00} a month. He said that left me owing a balance of {$47.00}, which I promptly paid, and was told that brought my balance up to current. On XX/XX/2016 I received a collection notice demanding payment of {$150.00}. I called multiple times ( I have the hours of calls recorded ) and they never did amend my bill as they were supposed to. They disconnected my service and turned me over to collections, and I 'm receiving phone calls that are extremely rude. I do not owe XXXX a XXXX.
09/04/2020	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 06040	Web
I contacted Gatestone, a company contracted by XXXX XXXX to collect debts, through phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and email ( XX/XX/XXXX, XX/XX/XXXX ) in an attempt to reinstate my credit cards from XXXX XXXX. I was ignored on every email contact attempt despite confirmation of the email address from phone representative contact on XX/XX/XXXX. I was able to reach my " account manager '' on two of these dates, and was spoken to rudely and briefly. I spoke with the first level of support on the other phone dates. I was informed by my account manager that since credit card 1 was cancelled and it was beyond 120 days since cancellation, my account could not be reinstated. I called and asked about reinstating card 2 since it was close to 60 days and was told by level one support that it wasn't possible ( for reasons unknown ) but I have spoken with XXXX XXXX and they informed me Gatestone should be able to reinstate credit card 2. I am requesting that credit card 2 be reinstated.
08/17/2021	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85282	Web
Called and left this voice mail to myself, mother, father and sister This message is intended for XXXX this is XXXX XXXX contacting you in regards to your claim being filed in XXXX XXXX by law I do have to make you aware ma'am that once your claim claim number XXXX XXXXXXXX is filed it becomes a matter of public record and there will be an order of location issued out for you since I was unable to reach you by phone I've been instructed to contact your employer and speak with your supervisor because it looks like that might be her likely place location you do have the legal right to contact the proceedings office handling your claim however you would need to speak with them before your claim is filed once the claimant this is discharge from their office all of your legal braids will be forfeited the phone number provided for that legal department is XXXX and the file number that you'll need to reference is XXXX this is considered a legal notification by telephone for XXXX and he will be located most were told otherwise
11/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	GA 30082	Web	Servicemember
I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.
08/07/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63122	Web
XXXX debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with Gatestone ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( Gatestone ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from Gatestone on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call Gatestone to resolve. I have called Gatestone numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from XXXX for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
04/08/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 94503	Web
A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''
10/28/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60462	Web
On XX/XX/22 at approx. XXXX, I received a phone call from Gatestone & Co. Internation Inc.. A representative by the name of XXXX XXXX introduced herself as a representative from XXXX XXXX XXXX and that the nature of the call was to collect a debt. I informed XXXX XXXX that my debt from XXXX XXXX was " charged off '' so why would they be attempting to collect? At this point, XXXX XXXX revealed that she was a representative from Gatestone & Co. International Inc. and that she was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX I expressed my concern about her false representation and my unwillingness to continue the call with her and I ended the call. This false/fraudulent representation makes me very concerned about doing business with Gatestone. I don't trust them or the validity of what they communicate rather verbally, electronically, or in print. I would like this matter resolved by having my debt completely eradicated due to fraudulence.
10/31/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MI 48170	Web
Over the last 4-5 weeks, Gatestone and Co. International has called my employer, relatives and friends about an XXXX bill I owe. 1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. Gatestone is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt. 2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 - Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date. This is outrageous!
11/18/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10002	Web
Beginning XXXX of 2020, I was contacted by a debt collector about my XXXX bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have foybd out the company is not part of XXXX XXXX but a separate debt collector ( Gatestone ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed XXXX ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be XXXX and then is not able to be contacted. At this point, I do not know what they are doing with my money.
06/16/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77339	Web
At XXXX central time on XX/XX/2022, Gatestone & Co International Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX called me on my work cell phone. They number they used is XXXX and it is a spoofed number. This is a direct violation of my rights and my cease and desist letter sent to them on XX/XX/2022 where I stated expressly " you can contact me about this debt, but only in the way I say below. Don't contact me about this debt in other way, or at any other place or time. It is inconvenient for me to be contact except as a I authorize below. You can only contact me by mail at : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Gatestone & Co International Inc. is in violation of my rights and the law and is acting as an abusive and harassing debt collector. As of this submission, they have not produced any documents asserting the debt is rightfully mine and they unable to produce any evidence of such.
12/07/2021	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	MS 39047	Web	Servicemember
XXXX XXXX has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with XXXX XXXX since learning of this account. Ive signed identity theft at XXXX XXXX request however this negative account continues to appear on my credit report. At one point, XXXX XXXX advised me that the account has been turned over to a debt collecting company, Gatestone. Ive spoken with Gatestone as well and told the account manager that this XXXX XXXX account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on XXXX XXXX and XXXX to XXXX when this account was opened.
10/26/2017	No	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	RI 02864	Web
Multiple dates from XX/XX/XXXX2017 - present. I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. I believe her name was XXXX? Or something simliar to that. Calling someones job should NOT be allowed.
09/08/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 787XX	Web
On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
01/06/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	RI 02909	Web
Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.
03/26/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91356	Web
XXXX XXXX deliquent account via fraudulent mail theft unable to log in to monitor account. XXXX XXXX closed my account due to inactivity but no credit card was ever received and they never sent one. Now i get calls from XXXX XXXX XXXX XXXX ) and I have told them 2 times before to NOT call work as I am unable to receive personal calls. Today I received yet another call at XXXX XXXX from ext XXXX and I state yet again they are not to call my work. At this point I would like to file a complaint against XXXX XXXX. They ignore my rights to not call my work and get me in trouble. They state they just received my account which is also a lie. Untrustworthy company who make lies and I can not believe what they say to be true.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	AZ 850XX	Web
One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.
07/08/2020	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 12550	Web
Gatestone company has been trying to collect a debt on behalf of XXXX XXXX. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX XXXX and after XXXX XXXX. They call on weekends and holidays. They called at XXXX XXXX on XXXX XXXX XXXX. I have asked them to stop calling me, that I have disputed the amount of the debt, that I worked it out with XXXX and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.
02/22/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 303XX	Web
On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX may be withdrawn.
06/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CT 060XX	Web
I HAD XX/XX/XXXX CELL PHONE SERVICE PAID ALL MY BILLS VERBALLY TOLD THEM TO SHUT OFF ALL PHONES AN CANCELED SERVICE IN XXXX 2015 BY EMAIL LETTER AND PHONE CALLPAID THE BALANCED OWED. SIGNED UP WITH XXXX ON XXXX/XXXX/2015 BILLING ID XXXXCCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT ME BILL ON XXXX XXXX TH FOR XXXX SAID THE CANCELLED MY SERVICE THEN THEY SAID WERE GOING TO GIVE TO A COLLECTION ON A BILL I DO N'T OWE THEN I RECEIVED LETTER FROM GATESTONE COLLECTION SAYING THEY WERE COLLECTING FOR ATT AND WILL SETTLE FOR XXXX I DO N'T OWE ANYTHING AND IF I DID WHY WOULD THEY SETTLE FOR XXXX MAKES NO SENSE GATES STONE XXXX XXXX
04/13/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NY 11231	Web
They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
12/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX GATESTONE & CO has not validated the alleged debt ACCORDINGLY to 15 USC 1692g and HAS NOT provided demanded information instead only provided statements which was ruled to be not sufficient evidence of a debt in federal case XXXX XXXX XXXX XXXX GATESTONE is in violation under 18 USC 892 and 18 USC 1691 for RAKETEERING collection means. GATESTONE has not showed regard and respect to I the consumer and to the FDCPA and have continued to violate federal as stated in previous sent documents. GATESTONE & CO is liable for remedy under 15 USC 1692k and I seek remedy.
03/05/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 16801	Web
My XXXX XXXX account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that XXXX XXXX employeed because I had not responded to the request from the previous agency all because they had the wrong address.
06/26/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 334XX	Web
On XX/XX/2018 I received a phone call from a company called Gatestone in XXXX. I have never heard of them nor do I owe them any money. I want no further communication from them in any form. They deceptively use phone numbers with an area code that appears to be the same area code as the phone number you are using. Gatestone is engaging in deceptive debt collection practices in flagrant violation of the Fair Debt Collection Practices Act. They misrepresent who they are and are deceptive. They repeatedly asked for my address when I told them I wasn't going to provide anything to someone who is being deceptive.
08/31/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 462XX	Web
Collector has reached out to me several times. They call from an internet based number. They do not identify themselves in the voicemails and give no information about being a debt collector. Additionally, their website has a section to settle debts but it is not operating, therefore, forcing you to call them. Also, the letters they sent me, have the account number backwards, making it difficult to login on their website, I had to figure this out on my own. This is for a utility bill that I settled prior to moving and bill says " supplies '' yet I had no supplies delivered.
06/20/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 47403	Web	Servicemember
I'm receiving calls every day and multiple times a day from the following number, XXXX. Back in XX/XX/2019, I answered the call and told them to take my number off their calling list as the person they asked for was unknown to me. The woman told me she would do that. The calls stopped for a few months but have now started up again for the past two weeks, non-stop. Today at XXXX, I answered. No one spoke and they hung up. I called the number back and only get recordings saying they are XXXX XXXX, a collection agency. I'm unable to leave a message or speak to anyone.
04/27/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IN XXXXX	Web	Older American
Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
12/16/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web
I, the original creditor and consumer received a disrespectful debt collection letter from Gatestone & Co. International Inc. attempting to collect a supposed debt. The debt collection letter stated that Gatestone & Co. International Inc. is a debt collection company. With that being said, Gatestone & Co. International Inc. are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Gatestone & Co. International Inc. violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93065	Web
I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.
08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	FL 33607	Web
This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.
08/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95476	Web
I got a call from a XXXX number under XXXX XXXX that keeps calling me. They told me I have over {$3000.00} in debt outstanding with XXXX XXXX XXXX and asked about my address somewhere in Texas. Ive never lived at this address and the other phone numbers she mentioned to me were not correct or part of my family plan. I also have no debt with XXXX XXXX XXXX, as confirmed by the company. This company asked for the last 4 of my SSN and they are clearly falsely collecting this information and willfully deceiving people.
07/20/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33579	Web	Servicemember
Gatestone & Co called me XXXX on XXXX and once again on XXXX from phone number ( XXXX ) XXXX trying to contact a co-worker regarding a collection. Gatestone has the appropriate contact information for that co-worker as they have contacted him directly in the past. Gatestone should not be contacting me at work and on my work number in an effort to use me, an uninvolved party, to resolve their issue. When I called to inform them of such, they denied any knowledge or record of the calls, my name or my phone number
08/25/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	IN 47630	Web
I recently checked my credit report & noticed XXXX XXXX XXXX XXXX XXXX was on there.. there a 3rd party debt collector according to the FDCPA. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.
01/13/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 92130	Web
An account manager named XXXX from Gatestone ( XXXX ), has called my workplace multiple times harassing me at work. This is inappropriate, unprofessional, and illegal and I would like it stopped. I spoke with XXXX today on XX/XX/13 and asked her to stop but I would like further confirmation that she will not be calling theXX/XX/XXXXthat I work at. These attempts are to collect XXXX. I am in the process of dealing with a lawyer but before we can begin I am requesting the collections to not call my workplace.
07/09/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 750XX	Web	Servicemember
There was n't a category that matched this and it 's more I 'm considering legal action. I have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment
03/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 230XX	Web
Gatestone has been calling me repeatedly starting on XX/XX/2018. They were calling 2 to 4 times a day from different numbers. They were also calling my XXXX year old daughters phone. I called them to find out what it was about, was told it was an XXXX XXXX XXXX bill. I asked them to send me a paperbill, they said they had although I have not seen anything from this company. They refused to send me a paper bill and informed me if I hadn't received their letter it was my problem.
07/11/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77339	Web
On XX/XX/2022 at XXXX Central Time I received a phone call from the debt collector Gatestone & Co International Inc ( the Company ) reporting to be XXXX XXXX telling me to return their call immediately at XXXX so my account doesn't go to further collections. The Company acknowledged receipt of my letter dated XX/XX/2022 informing them they may only contact me by mail at my address. The Company continues to call me in violation of federal law and my rights as a consumer.
05/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85053	Web
In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX
09/08/2020	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 940XX	Web
After Gatestone rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different gatestone rep. She advised that there were no notes to indicate written contact only and that she would update their system.
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 604XX	Web
Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.
11/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60406	Web
Company has called me several times to attempt to collect a debt with a company I have not done business with ever. I have told them multiple times I never had an account with the company. Never lived at the address they claim they sent a letter to that address. I don't even have any information to challenge the account. They are telling me I have to work with the creditor to get this marked as fraud. That's not my responsibility for an account I never had.
05/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12020	Web
I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.
12/16/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60061	Web
GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, GATESTONE only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at GATESTONE and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. XXXX XXXX
01/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web
This is my third attempt to contact Gatestone & CO. International Inc. about violating my consumer rights. Unfortunately, Gatestone & CO. International Inc. did not respond to my original CFPB compliant ( XXXX ) nor the letter that I sent to them via certified mail through the United States Post Office within a timely manner, and their silence is an admittance of violating my consumer rights and are required to pay me {$6000.00} by check on XX/XX/2022.
04/29/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 392XX	Web
When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.
07/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AL 35401	Web
On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 91006	Web
They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. Please Help me to remove my wrong inquire on my credit history.
10/27/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	XXXXX	Web
XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX
08/24/2020	No	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 49203	Web
Gatestone and Co acting on behalf of XXXX XXXX has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where XXXX stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.
02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78574	Web	Servicemember
Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.
09/07/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92840	Web
Received a call from Gate stone and asked to verify my information. Didn't give me any details why I needed to verify my info so I wouldn't. They threatened me repeatedly yet I still wouldn't verify without information. I'm afraid they have personal details on me that could negatively affect my life but they will not give me any detail.
11/15/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11375	Web
I have received repeated calls from XXXX Ext. XXXX regarding some sort of collection debt for my wife. I informed them I not aware of any outstanding debt and the name on file although similar is not my legal name. The person now is contacting my job asking my office reception for personal information regarding my wife.
01/04/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 38671	Web
Gatestone is repeatedly calling from different numbers, never leaves a voicemail and has n't sent anything to me via postal mail to let me know what business they allegedly have with me. They call from a XXXX number but the last four digits are always different. They 're doing this to evade their numbers being blocked.
02/21/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AL 36832	Web
The company is called Gatestone and is based out of XXXX, AZ. XXXX XXXX is the only name of someone I spoke with that I remember. I receive calls at MINIMUM 2 times a day. My family memebers have each received several calls from this company and have told the company to no call back but they still do.
07/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21228	Web	Servicemember
Received call from Gatestone debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} XXXX XXXX Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX Account opened in XX/XX/2018 and closed in XX/XX/2018.
12/10/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92078	Web	Older American, Servicemember
Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
10/25/2017	No	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32712	Web	Servicemember
Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.
01/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web
I am not liable for this debt with XXXX XXXXXXXX XXXX and don't have a contract with Gate stone & co. International inc . They did not provide me with the original application like I asked. Acct # XXXX
01/19/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	WA 98106	Web
Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
On XX/XX/XXXX a debt was reported on my account in which I am not liable. I do not have a contract with Gatestone Contact CNTRE, they did not provide me with the original contract as requested.
01/23/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA XXXXX	Web
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AZ 85296	Web
I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment
04/19/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	XXXXX	Web
This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.
01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

01/05/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15108	Web

12/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NM 87105	Web

08/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	IN 47630	Web

05/25/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 06457	Web

04/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19082	Web

04/05/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19082	Web

10/05/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46408	Phone

03/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

03/12/2021	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 54166	Phone	Older American

10/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21144	Web

10/26/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32223	Web

05/08/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web

02/24/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	XXXXX	Web

12/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32223	Web

10/29/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 32136	Web

07/22/2019	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	DC 20002	Web

05/02/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32223	Web

04/17/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	XXXXX	Postal mail

02/21/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63112	Web

12/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60433	Web

10/04/2018	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments		Phone

10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44256	Referral

08/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

07/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60089	Web

06/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web

06/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39701	Web

05/31/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44112	Web

04/04/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10016	Referral

02/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89143	Web

02/08/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	VA 24018	Web

02/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97045	Referral

11/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48303	Referral

10/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Fax

10/16/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32926	Phone

10/13/2017	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	AZ 85204	Postal mail

10/12/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 20189	Referral

09/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11801	Web

08/23/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 18067	Web	Servicemember

07/27/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11738	Web

07/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95682	Web

06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28092	Web

04/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43074	Postal mail

02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 54455	Fax

02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33175	Fax

01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 12834	Referral

11/14/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	SC 29045	Web

10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 00966	Web

08/31/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	CA 94508	Web

08/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90230	Phone	Older American

08/18/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	AZ 85746	Web

08/11/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 07004	Phone	Older American

06/29/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	NY 10314	Web	Servicemember

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94618	Referral

04/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75225	Web

03/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33437	Phone	Older American, Servicemember

02/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08330	Web

02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34432	Web	Older American, Servicemember

12/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11374	Phone

11/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29532	Web

08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33917	Web	Servicemember

07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76021	Referral

06/03/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	XXXXX	Phone

06/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AL 36108	Web

05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MI 48912	Fax

04/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97123	Web

04/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 12203	Web

04/16/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 14219	Web

04/15/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 48362	Web	Servicemember

04/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33496	Web	Older American

03/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls		Phone	Older American, Servicemember

03/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95461	Web

03/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60154	Web	Older American

03/12/2015	Yes	Credit card	Payoff process	MS 38929	Web

03/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37214	Phone

03/03/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92253	Web	Servicemember

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23666	Web

01/29/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	PA 17517	Web

01/22/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 64506	Web

01/08/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 10706	Web

12/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76549	Web	Servicemember

12/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90027	Web

12/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78749	Referral

12/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60634	Web

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

11/28/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11030	Web

11/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77036	Web	Older American

11/11/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 55438	Web

11/05/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 12533	Web

11/05/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02341	Web

07/31/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WA 98312	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92660	Web	Older American

07/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 74074	Web

07/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33410	Web	Older American

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 90043	Referral

07/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MD 20743	Web	Older American

06/23/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77096	Web

06/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89103	Phone

06/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95118	Referral

06/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NC 28412	Web

05/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21532	Web

05/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44471	Phone

05/08/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NM 87120	Web

04/27/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AL 36401	Web

04/21/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 17522	Web	Older American

04/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30328	Web

04/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70342	Web

03/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21045	Web

03/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32080	Web	Older American, Servicemember

01/17/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07452	Web

01/09/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	XXXXX	Web

12/11/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90631	Phone	Older American

12/03/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	XXXXX	Web

11/14/2013	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TN 37411	Web

10/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37076	Web

10/23/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94530	Phone

10/22/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 20110	Web

10/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92115	Web

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94030	Web

09/18/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	AR 72116	Web

08/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90028	Phone

07/18/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31093	Phone