HOVG, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/23/2021	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 198XX	Web
Bay area Credit is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave Bay area Credit consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. Bay area Credit Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; Bay area Credit has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; Bay area Credit is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bay area Credit has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. Bay area Credit is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Bay area Credit has provided false information to XXXX
06/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX XXXXX	Web
Since XXXX/XXXX/XXXX Bay Area Credit Service ( BACS ) has robocalled ( XXXX and counting as of end of day XXXX/XXXX/XXXX ) my home for a person whose last name sounds like mine and whose first name sounds like XXXX? ( XXXX? ). These calls are documented in the attached Log and XXXX XXXX XXXX XXXX files ; the latter contain XXXX of the XXXX calls from XXXX. The XXXX calls after XXXX/XXXX/XXXX can be provided as required. Due to the content of these robocalls I initially believed they were a scam designed to self-incriminate a recipient. After the BACS robocall of XXXX/XXXX/XXXX I shut my answering machine through XXXX/XXXX/XXXX and again from XXXX so it 's possible BACS made additional calls during those periods. XXXX have come since XXXX/XXXX/XXXX ; on average BACS has called every other day when my answering machine has been on. I am NOT the person sought in these calls. Based on mail from other sources which in and of itself was not personally threatening I eventually filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX XXXX XXXX XXXX XXXX which was provided with a copy of the BACS robocalls of XXXX as evidence. I also filed a case with the Postal Inspector. The suspect is a person whose name sounds like the person sought in the BACS calls. Prior to the BACS calls and the mail ( which I did not open ) sent in this person 's name to my residence I had no knowledge of any such person. I have never used such a name for any purpose whatsoever and have NEVER given permission to ANYONE to use any of my personal information in association with this or any other name for any purpose whatsoever. Use of my personal information in any way including to incur debt by a third party constitutes Identity Theft. I am NOT responsible for any such debts. The BACS messages ( which are all the same ) state upfront the name of the person sought but not who is calling until the end of the message. They start " This is a very important message for ( name ) '' and go on to say " If this is not the person we have asked for previously in this message please hang-up or disconnect now. There will now be a pause in this message. '' After the pause the message states " BY CONTINUING TO LISTEN TO THIS MESSAGE YOU ACKNOWLEDGE YOU ARE THE PERSON WE ASKED FOR PREVIOUSLY IN THIS MESSAGE. You should not listen to this message so that other people can hear it as it contains personal and private information. There will now be a pause in this message. '' After the second pause BACS identifies itself and states " this is an attempt to collect a debt by a debt collector. '' Then the call back number is provided. The logic behind these calls is perverse ; they are structured so that " meaningful disclosure '' of who is calling is made in such a way so as to preclude a person who does not owe the debt from contacting BACS without fear of self-incrimination. If the recipient is not the person they have asked for, they should not listen to the message in its entirety. If they do listen, they acknowledge they are that person, even if they are not. So each time such a call is received if the recipient hangs up in real time or erases the message without listening to it in its entirety BACS will keep calling, ostensibly until the recipient just gives up, calls them and " acknowledges ( they ) are the person we asked for previously in this message. '' This is entrapment and along with the frequency of calls is abusive to the person who does not owe the debt and who has a right to know who is repeatedly calling their number. Even if these calls come " just '' every other day on average the cumulative effect is XXXX of harassment. There are no instructions provided in the event the recipient of the calls is not the person being sought, whether due to error, identity theft, the phone number was reassigned etc.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WA 98604	Web	Older American, Servicemember
XXXX was in a car accident on XX/XX/XXXX. The accident was covered by XXXX Company. The ambulance company, XXXX has sent XXXX case to collections after months of repeated communication between me and them regarding the invoice. XXXX was the victim, XXXX claimed responsibility and somehow, the Ambulance Company is penalizing XXXX. XX/XX/XXXX Vehicle accident happened. XXXX, the victim, is a XXXX who is XXXX, XXXX and uses a XXXX. She XXXX as a result of the accident and is transported by XXXX to XXXX Hospital XXXX miles away. XX/XX/XXXX I received bill for {$270.00} from the XXXX for ride to the hospital. I call company and say that this was being handled by XXXX insurance. I was told to ignore the bill. In the meantime, XXXX of XXXX has been assigned to the case. XX/XX/XXXX I write letter to XXXX of XXXX : Did XXXX pay the ambulance service or not? Is this a bill that mom is expected to pay? Please advise. XX/XX/XXXX Receive invoice dated XX/XX/XXXX from XXXX, {$270.00} for the travel on XX/XX/XXXX. XX/XX/XXXX I write another letter to XXXX and include attachment of the invoice from XXXX that I received on XX/XX/XXXX : XX/XX/XXXX I write letter to XXXX : trip # XXXX I say this bill has been sent to XXXX at XXXX insurance. I give them his contact info and say to contact him for assistance with the payment. XX/XX/XXXX Letter from XXXX saying XXXX had been paid by XXXX. check number # XXXX for {$730.00}. XX/XX/XXXX Receive another bill from XXXX. I replied including xeroxes of the documents that I had received from XXXX of XXXX indicating that XXXX had been paid. XX/XX/XXXX I called ambulance company, spoke with XXXX in billing. She said that mom owes {$360.00}. ( Why more than the first bill of {$270.00}? ) XXXX had explained to me in a letter that the ambulance company needed to get the money back from XXXX, and that they had already been paid. I requested a letter from XXXX stating why XXXX owes the amount of the bill of {$360.00}. I said that XXXX of XXXX told me that it was their responsibility now and that XXXX had paid the bill. XXXX wanted me to contact XXXX again. Her explanation why it was n't their responsibility was confusing. I requested that she write a letter to me explaining what i needed to tell XXXX. She was silent, then finally said, " I have XXXX phone number, I can call him. '' She said that she would be able to talk to him in terminology that he understood and would call. XX/XX/XXXX We return from vacation to find another invoice from XXXX for {$360.00}. This letter is dated XX/XX/XXXX. The letter says that the bill is past due and and are going to be sent to collections. XX/XX/XXXX keep calling ambulance company. no answer to voice mails left. XX/XX/XXXX I call XXXX and reach XXXX, She recalls the conversation that we had. She said her priority is to answer calls, not make calls until all calls are answered and she 's had no chance to call XXXX of XXXX. I explain to her that I had received a letter from XXXX saying that that they were sending XXXX case to colllections in 10 days if not paid. XXXX of XXXX said she could handle that right away and take care of it so XXXX account is not sent to collections. XX/XX/XXXX Get a bill from the credit company BAY AREA COLLECTIONS. I ignore the bill, thinking the letter was sent before ambulance company called them to cancel. XX/XX/XXXX Another letter comes from collections threatening action to credit.
11/30/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 96003	Web	Older American, Servicemember
In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care.
08/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91780	Web
My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.
06/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
07/26/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32073	Web
I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.
08/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BAY AREA CREDIT SERVICE Reported : XX/XX/2019 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious BAY AREA CREDIT SERVICE Reported : XX/XX/2019 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/21/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85041	Web	Servicemember
My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.
02/01/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.
04/19/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 329XX	Web
I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.
07/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 93033	Web
I was in a car accident on XXXX/XXXX/16. Several days after I was finally discharged from the hospital I got a call from Bay Area Credit Service ( unsure of what date due to injuries ) trying to verbally collect debt on my ambulance ride XXXX $ XXXX XXXX. I received no bill from the ambulance company and I did not receive any written notices from Bay Area Credit Service about the said debt. I was aggressively told I should just pay right now over the phone. I told them no that my insurance should cover the bill and gave my insurance information. They called approximately a month later XXXX/XXXX/16 ( I still have not received a bill or notice of any kind in the mail and they have my address ) and said my insurance covered some of it but I owe around {$50.00} plus interest which comes out to {$95.00}. I told the caller XXXX XXXX that I never received the bill or any notice and once again he insisted I pay now over the phone via credit card. I told him that I need the paper bill to send to my lawyer ( who is handling any and all matters related to my car accident ) and I would not be paying over the phone without the paper bill. He insisted I pay him over the phone again and I repeated myself that I needed to have the paper bill and that I never even got a bill at any point from any company. He then in a threatening tone said " Do you really want to get your lawyer involved in this? For {$94.00} dollars? '' And I responded with yes. Then he took my lawyer 's information and gave me a verbal breakdown of the charges. I then asked again if he would be sending the paper bill. His response was essentially a " maybe '' and that he could put in the request ( which sounded very much like a no especially in the way he said it and how he repeated himself ). He also quickly said something about me actually never getting a bill or that it was my fault I did n't get the bill but then he quickly changed the subject and asked me to repeat my address. They first called me XXXX, talk about preying on the vulnerable.
05/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20705	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date OpeneXXXX of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
04/24/2018	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 791XX	Web	Servicemember
I have been received calls from XXXX XXXX XXXX XXXX for XXXX XXXX. Call dates and times are :XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All calls are from phone ( XXXX ) XXXX. This is also the call back number left by their prerecorded phone message they keep leaving. Their address is listed as XXXX XXXX XXXX XXXX XXXX, California, Phone ( XXXX XXXX XXXX, XXXX. I have left several message on their answering machine because I go to work before they call and don't get home until after they are closed. I have told them the subject they are looking for has not lived at my residence in 12 years and to stop calling my phone. I have informed them my phone number is on the National DO NOT CALL list. I have informed them I have filed complaints with the FCC and the FTC. I told them if they continue to violate the DO NOT CALL list and harass me further I will contact the FBI. This harassment is across state therefor it is federal. I have informed them for each phone call they continue to do is a separate violation. I will attempt to send them an email but that will probably just start them emailing me too. The government agencies I have contacted have the right and the ability to contact the FBI and should do so for these violations of criminal laws. I am also looking at violation of my rights of equal protection under the law if nothing is done. This debt collector has laws it must follow and is not. Their over aggressive actions are a violation of laws both federal and state. I want criminal charges and civil action take against XXXX XXXX XXXX XXXX for their violations. My messages have become more and more, well not polite which is not required when I'm talking to these leeches. They how ever are required to stop calling and they must be polite when talking to you. I will continue to file a separate complaint each time with the FCC and FTC as each call is a separate incident/violation.
04/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
05/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Dear XXXX XXXX XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
08/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14618	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turns over unpaid Super Speeder tickets to XXXX XXXX XXXX XXXX for debt collection. The mailed notification of the Super Speeder fee ( {$200.00} plus a {$50.00} reinstatement charge ) -- a separate action from the initial traffic citation -- does not disclose this practice to the consumer. Instead, the notification gives consumers a choice : pay or have your license to drive in Georgia suspended. Because I was away from my home address, I received the Super Speeder fee notice dated XX/XX/2023 on XX/XX/2023. I had promptly paid the initial ticket of {$640.00} on XX/XX/2023. I opted not to pay the additional Super Speeder fee, since, as a New York resident, I do not intend or need XXXX XXXX in Georgia ever again. Subsequently, I received the bill from the collection service dated XX/XX/2023. I notified the collection service both in writing on XX/XX/2023 and by phone on XX/XX/2023, as well as by email on XX/XX/XXXX, that I was disputing the debt. The collection service noted the dispute but warned me that I might still be liable for the payment when I renewed my New York license. I am also concerned about consequences to my credit rating. I believe that the State of Georgia gave me a choice, which I exercised, not to pay and to incur the consequences. The selling of my debt to a collection agency is in violation of the Fair Debt Collection Practices Act and represents extortion of an invalid debt. I have contacted XXXX XXXX, Deputy AG in Georgia as well as the FTC about desisting from this practice. At the least, Georgia must notify drivers through highway signs ( as is done in New York ) about liability for additional fines, and disclose on notices that failure to pay may affect credit ratings of drivers. How do I insure that adverse results of this unfair debt collection practice do not affect other future transactions ( credit rating, license renewal in NY )?
02/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33463	Web
Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!
06/15/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 95401	Web
A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.
07/15/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32404	Web
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Nurse Practitioner, XXXX XXXX, billed my medical insurance company, Florida XXXX XXXX XXXX XXXX for Ms. XXXX treatment for my XXXX injury at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Florida XXXX XXXX and XXXX XXXX, denied the claim because XXXX XXXX refused to provide additional information they requested to further process the claim. XXXX XXXX later turned it over to a collection agency after they had been notified by the insurance company and me that additional information was needed. The claim has now been posted as an uncollected debt on my credit bureau reports. Florida XXXX informed me that I was not responsible for that insurance claim and bill since the company and the nurse practitioner failed to comply with their request for additional documentation as they are an in-network provider for them. I have also filed complaints with the State of Florida Attorney General 's Office, the Florida Agency for Healthcare Administration, Florida Board of Nursing, and the State of Florida Chief Financial Officer 's Investigative Bureau. I find it rather strange that you and your company will not work with the hospital or Florida XXXX XXXX and XXXX XXXX in resolving this matter. HCA Ethics and Compliance representative, XXXX XXXX, contacted me on Friday, XX/XX/XXXX stating someone from XXXX XXXX would be getting in touch with me. They can not determine what happened either and were calling me for documentation when they could not obtain anything from your company. It is now Monday afternoon, XX/XX/XXXX, and I have not heard anything. We are trying to restore our home following extensive damages sustained from Hurricane Michael. We had to withdraw our mortgage loan application for additional funds because this is reported as an uncollected debt on my credit bureau report.
06/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92253	Web	Older American
I have been harassed for the last 6 months by XXXX XXXX XXXX , XXXX . Unfortunately, I needed to have XXXX XXXX XXXX last XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital, XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and XXXX other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a XXXX balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ). I am now turning to you for help.
11/02/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30033	Web	Servicemember
Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
09/30/2023	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19131	Web
In XX/XX/XXXX, I noticed a significant drop in my credit score due to the presence of a reported debt collection from XXXX XXXX XXXX XXXX. This debt collection is linked to my gas service account, bearing number # XXXX. To provide some context, in XX/XX/XXXX, I opened a gas account for the residence located at XXXX XXXX XXXX XXXX XXXX. Subsequently, in XX/XX/XXXX, I moved out and promptly contacted XXXX to close the gas service account. During that call, a representative assured me that the account had been successfully closed, and I would not incur any further charges. Since then, I have not initiated another gas account nor received any subsequent notices, bills, or communications pertaining to this account until the recent entry on my credit report. On XX/XX/XXXX, I sent a letter to BAY AREA CREDIT SERVICES, formally requesting validation of the debt. I also sought an explanation regarding the circumstances surrounding this alleged debt and requested any associated documentation. Regrettably, to date, I have not received any response to my inquiry. I reiterated this request on XX/XX/XXXX, and, disappointingly, the company has yet to provide a response. I would like to solve this problem as soon as possible. However, it is virtually impossible for me to address a debt for which I have not been adequately notified and provided with supporting documentation. It is also challenging to address a financial obligation when the company involved does not seem to make any direct efforts to contact me. I kindly request your prompt attention to this matter and the resolution of this issue so that I can work towards resolving any legitimate financial obligations that may exist.
03/04/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web
Please be advised that XXXX XXXX XXXX has reported a debt in the amount of {$2100.00} to my credit through rhe collection company Bay Area Credit Services. I NEVER was informed about the debt in question by XXXX XXXX XXXX and I DO NOT BELIEVE THAT I OWE it. I had a XXXX on XX/XX/2021 and was transported to the hospital via ambulatory services, however my health insurance through my employer paid all parties involved. I contacted XXXX XXXX XXXX and informed them that I never received any notiification of this debt and reiterated that I had medical insurance that would cover the costs so I don't know why this account was never brought to my knowledge and how it was sent to collections without even attempting to collect the moeny that was due. The representative, " XXXX '' informed me that they had the wring address listed after I confirmed my address. I went on to provide her my insurance provider 's information ( which they already had..she confirmed ) as well as my XXXX XXXX XXXX. I also will like to mention that I never signed any documents with XXXX XXXX XXXX that gave them permission to report anything to a third party agency so I also believe that my HIPPA protection laws have been violated .I also have repeatedly called and sent written notifications to Bay Area Credit Services , but i haven't received a response. They reported this debt without notifying me that it existed and placed it in collections and this collection is still reporting on my credit and it has hurt my reports tremendously. I would like this debt removed permanentely and immediately or I will have no choice, but to seek legal action
08/12/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95355	Web
My mother suffered a XXXX XXXX on XX/XX/XXXX which required an ambulance ride provided by a company named XXXX. The cost to her was {$200.00}. I received the bill on XXXX and paid the bill via check on XXXX ( I am the executor of the estate - she died on XX/XX/XXXX ). I received a debt collection letter from Bay Area Credit Services. I tried to contact them several times. Their phones are never answered. I contact XXXX and told them I had paid the bill. They made note. I then emailed Bay Area Credit Services and have not yet received a response. I sent the email via the information on their website : For Dispute email us at XXXX I sent the initial email on XX/XX/2020 : -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Wed, XX/XX/2020 XXXXXXXX XXXX Subject : BACS Account # XXXX /creditor Account : XXXX I have made several attempts to contact your company during your regular business hours. The message on the phone number provided by the notice sent to me states the offices are closed. This is in regards to a XXXX dollar payment owed to XXXX XXXX XXXX by the Estate of XXXX XXXX. You have incorrectly named it : Estate of XXXX XXXXXXXX. Please correct your records. I called and spoke to XXXX this morning. I spoke to XXXX. I informed her that payment was mailed to their company on XX/XX/2020. She stated she would make note of that information. The check was from my account and the check number is XXXX. Please indicate on your records that this bill has been paid. Please respond to me within 24 hours. NO ONE IS CONTACTING ME WITH ANY INFORMATION.
11/27/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. Apologies, this is a wall of text, I am unable to go through it again while at work.
01/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
04/07/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OR 97217	Web
I already have a case going..Case number : XXXX I have received several calls since my last submission and I stopped answering the call. One call the man asked my father if he was related to me. Tonight I received a call and my father gave me the phone. I told the man several times I do not have a job and I do not have money to pay that bill at this time. He wanted to know when I stopped working and why and who pays my bills if I have not money to pay my bill, how to I pay my rent and cell phone bills. ( I live with my parents as I am their caregiver since I lost my job- I do not get paid ) All my bills are going to collections because I ran out of unemployment. I told him I was not going to explain myself again and he said he knows because they have been calling me. I hung up on him because I was tired of repeating myself to someone who does not speak proper XXXX and is hard to understand and would not listen. He kept repeating saying they needed to update their system on how I pay my bills and why I wont pay that bill. I told him how I pay my bills was none of his business and he said it was because if I am paying other bills they need to know why I have not paid them.. I told him I was not going to explain myself again and hung up. I was on unemployment and had to decide what bills had to be paid on {$260.00}. Their bill was at the bottom of the list and I ran out of unemployment and still have no job. I am tired of the harassment. If I had money to pay all my bills they would have been paid.
04/14/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32536	Web	Servicemember
XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.
11/01/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32073	Web
So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.
06/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 90019	Web
I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.
04/17/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 33411	Web
Representative from credit agency utilizing phone number # XXXX was very rude and harassed me on XXXX XXXX at around XXXX while I was at work. Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised " he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a " debit card or check now '' advised I was at work and unable to provide that information, he then stated " you do n't have a debit card on you?? you need to walk to your car and get to secure this payment ''. After again advising I was at work and unable to do so he said when can I call you back today. I advised at around XXXX, he then stated " so you have to promise to answer your phone at that time '' If you do not legal action may occur. I then stated if I see the phone ring I will answer the call, he stated " no, you need to promise to answer the phone ''. I remarked I 'm unable to make that promise. At which point rep proceeded to get nastier stating why ca n't I pay this debt. I hung up when he would not stop with the harassment. Since then the number has called twice and I have not answered, no message was left. I do not feel this type of behavior is needed nor should I have to endure it no matter the debt owed.
06/18/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93906	Web
Bay Area Credit Service claims I owe them a debt from XXXX XXXX XXXX. After contacting the debt agency, they refused to transfer me to a supervisor. I informed them this debt was not valid. They did not believe me. I contacted my insurance company who contacted XXXX XXXX XXXX who informed me they never sent the amount due to any credit agency, nor do they have a date of service ( XXXX ) that the credit agency claims is valid, and have stated to my insurance company that my account has been paid completely. After speaking with insurance, I called XXXX and made sure that the date of service was invalid and that the amount ( s ) I owed them had been paid which is what they confirmed to me. After this, I called back the credit agency and asked to speak to a supervisor again. XXXX XXXX refused to send me to a supervisor more than a dozen times, even when I had my spouse get involved to try to solve the invalid debt. XXXX then hung up on us both after 22 minutes and when we called back they did not answer even though it was business hours. I would like to have this organization investigated. How did they even get my medical information!? How did they get an invalid debt with an invalid date of service? They refused to let me speak to a supervisor and claimed it was a valid date even though both my insurance company and XXXX have told me that everything is good on my end and this debt is NOT valid.
07/24/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98023	Web
I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.
02/14/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 95350	Web
This company refused to accept payment arrangements that I could afford without still reporting it on my credit. They wanted me to pay an amount that I could not afford and if did n't they would or may report it on my credit. Threatening to ruin my credit over this bill after I had alread explained to them that I was appealing the decision with my insurance company and tryouts no to get the full bill paid does not seem to be good business nor does it seem to me that it should be legal. I was in no way ignoring the bill or attempting to get away without paying. I offered to pay {$100.00} a month but they would not guarantee that it would n't go on my credit. That seems to be a very shady practice to me. If I 'm making payments on it, how can they report it on my credit. I am making an effort to clear the bill. They also wanted to charge me {$5.00} for each payment. That is not right. I refused to pay that {$5.00} each time I made my payment so they again threatened to report it on my credit. I have been working very hard time get this bill paid and to keep my credit in tact. However, despite my best intentions, nothing seemed to satisfy this company except that I pay some amount that I could n't afford. It does not seem like it to should be legal to threaten somebody 's good credit history because they ca n't agree to pay what a company thinks they should pay.
10/19/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CO 80918	Web	Servicemember
The first and only document I received from Bay Area Credit Service was full of false and incorrect information. The document is threatening me with interest at 8 % but I never received a 30 day window to dispute it in the first place. The document also never mentions that the debt will be placed on hold while I dispute it. This document has 1 phone number with 1 person on the other end acting as multiple people. I tried going to the website for further proof as there is no email for me to contact, and the website is a scam. Each button and function I click takes me to an " error '' page. Also, this website has multiple phone numbers listed and not a single one matches the phone number on the document I was sent. I called to dispute my " debt '' and when I asked for an email copy of an itemized statement and proof that they are a legitimate debt collector, they would only respond by questioning me about what they must send. I told them I dispute the validity of the debt and they simply replied that I have to call my insurance. These people are referencing an ambulance ride I had from over a year ago which was fully covered by my insurance at the time, as I had already met my deductible. The website is www.bayareacredit.com/compliance and the phone number is XXXX. I recorded the errors I had from the website and noted the date and time I called.
01/22/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33181	Web
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
04/01/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30241	Web
Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.
07/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30097	Web	Servicemember
XX/XX/2018 Date of Service, {$960.00}, Car Accident Claim. The Atty XXXX XXXX has been in contact with XXXX involving this bill. The last communication was XX/XX/2018 and prior to that XX/XX/2018. The company gave this bill to a debt collector XXXX XXXX XXXX XXXX. This company reached out to me by letter dated XX/XX/2018. I received the letter XX/XX/2018 and immediately contacted them on XX/XX/2018. I asked them for validity of the claim. I did not receive 30 days to dispute this claim. On XX/XX/2018, this was placed on my XXXX credit file. It brought my credit score down by 38 points and then they flagged it on XX/XX/XXXX bringing ANOTHER NEGATIVE posting on my credit. The representative stated they did not know this was a medical claim and when I asked them to removed the claim they denied it stating they would have to speak w the customer. Spoke w XXXX today and the representative told me on XX/XX/XXXX after me speaking with XXXX told me the account was in review and debt collection should cease. My attorney in turn reached out to them and they still refuse to remove this from my credit. In turn, my insurance stated I owed {$520.00} and I in turned paid that amount to try and close this situation. I spoke with XXXX XXXX today from XXXX XXXX and they state the debt has increased to {$1000.00}. Please assist.
07/19/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19130	Web
My personal information was exposed in several major data breaches, including XXXX and XXXX data breaches. There is a now an unverified, inaccurate and false collections debt listed on my three credit reports that does not belong to me. Bay Area Credit Services sent me a collections letter in early XX/XX/2022 regarding a {$320.00} debt with XXXX ( XXXX XXXX XXXX ). Within 30 days, I immediately responded and wrote a letter to Bay Area Credit Services on XX/XX/2022, via certified mail with delivery confirmation, disputing the validity of this debt and demanding verification as required by law. Instead of complying with the Fair Credit Reporting Act and providing documentation as required, Bay Area Credit Services illegally reported the unverified and fraudulent account to the three credit bureaus without investigation or verification documents. I am demanding removal of all inaccurate information from my credit reports, specifically the unverified Bay Area Credit Services collection account in the amount of {$320.00}. As they are aware, I have filed a police report and identity theft report with the Federal Trade Commission and provided copies of the report to Bay Area Credit Service, XXXX, XXXX and XXXX. As required by law, the unverified and inaccurate account should be removed from my credit reports.
08/16/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ XXXXX	Web
On XX/XX/2019, I received a call from Bay Area Credit Services. I had been working with them prior to this, to resolve a medical debt and currently have a payment plan set up with them lasting until XX/XX/2019. However, they called me at XXXX XXXX, with no explanation about what the call was about except insisting I had a payment due on the account. I demanded to speak with a manager, only to have him confirm it was the two accounts that were currently under the payment plan. I requested to keep to the payment plan I was currently under, as well as no calls before XXXX XXXX as I work nights. The next week, I received four more calls ( two on XX/XX/XXXX, two more on XX/XX/XXXX ). Adding to that, my husband has received three calls from the service as well, two on XX/XX/XXXX as well ( one around XXXX XXXX, and the second around XXXX XXXX ), as well as a call this morning at XXXX XXXX. The payment from the payment plan has gone through. There is no reason for us to be receiving these calls constantly, and I have no idea why they are harassing us so much so randomly. Adding to this, it looks like Bay Area Credit Service is known for scams, and I am worried they will fraudulently target my credit or harass me further, despite me paying the debt and trying to work with them as I can.
12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30344	Web
Hello and thank you very much for looking into my case. On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OK 74012	Web
For the past week I have received calls from XXXX XXXX XXXX XXXX. Calls would come in everyother day with the exception of the past XXXX days. The past XXXX days have been everyday. Each time they called XXXX in a row. When I answered each time they hang up. Finally yesterday XXXX XXXX XXXX 2015, after getting hung up each time i answered, I called back to see who it was. The Company is called Bay Area Credit Services. The guy who answered wanted me to give him my social, I declined to shre that info with him and he declined to tell me the reason for their numerous calls to me. So i then told them to CEASE AND DECIST all calling to me. They promised to quit calling. This morning at XXXX, they did it again. So I called back and spoke with a " XXXX XXXX '' who advised me that his supervisors name was a " XXXX XXXX ''. He confirmed that yesterday I requested calls to stop, but then he began to argue with me as to what I meant. When I told him to Cease and Decist all calls, he said that it would only pertain to the XXXX phone number they reached me at. I am no Rocket Scientist but when someone says to Cease and Decist all calls to me, that should mean to quit calling me and communicate with me by other means such as by mail. I have yet to receive a letter of confirmation for a debt.
12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30344	Web
Hello and thank you very much for looking into my case. On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
10/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33993	Web
Bay Area Credit Services appeared out of NO WHERE on my credit report claiming that I had a past due balance with XXXX XXXX XXXX for {$540.00}. It was first report on my credit bureau report from this company it appears XX/XX/XXXX. I had no contact. I had no Knowledge of ANY account due because I have not lived at that Address since XX/XX/XXXX. When we left the address in question ( after 5 years ) the owner XXXX XXXX was to have contacted the company to put service back into his name. I have proof of Contacting this company through a dispute on my credit report and I contacted XXXX as well that this is THEIR MISTAKE because of their short staffing during COVID. I tried again to resolve this issue with the COMPANY and was RUDELY hung up on from XXXX - XXXX on XX/XX/XXXX. I again informed her that the landlord was responsible and I have not lived at that address during the time that they are charging for. My address in XXXX was XXXX XXXX XXXX, XXXX pa and my other home at the time was XXXX XXXX XXXX, XXXX, NC and therefore I can 100 % prove I wasnt there. I have contacted the owner AGAIN XXXX @ XXXX as of XX/XX/XXXX via TEXT message explaining that he or the next tenant are responsible for this and I am VERY UNHAPPY it is GREATLY affected my Credit report and SCORE.
10/11/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45238	Web
I had a payment arrangement in place with Bay Area Credit Service. I have a letter dated XX/XX/XXXX that states my current balance as XXXX. I gave Bay Area Credit Service my debit card number and agreed for them to deduct XXXX each week toward the balance. My bank account statement shows six debit transactions where Bay Area Credit took XXXX each time for a total of {$300.00}. This was not the agreement. My account shows the first debit was taken on XX/XX/XXXX, then each week after that until XX/XX/XXXX which was the last debit transaction. I called Bay Area Credit to settle this issue. The first day, XXXX XXXX, XXXX, I called I was transferred to a supervisor named XXXX. He told me to fax over the documents or bank statements and he would be happy to refund the money. I faxed the documents in that very evening. I had not heard back from XXXX after several weeks so I tried calling back and every time the phone agents tell me that XXXX is unavailable and any other supervisor for that matter. I am lead to believe that I am being avoided. I have called at least 10 times and each time they tell me to call back in 15 minutes or call back in one hour, the supervisor is not available. I asked them to have him call me, but they say they can not promise me that he will.
06/19/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33612	Web
On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client XXXX XXXX XXXX XXXX purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
06/21/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77320	Web
I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.
12/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34952	Web
paid this account off in full {$130.00} as is was stated on my credit report from my checking account XX/XX/2018, never receive a confirmation from them by u.s. mail or e-mail. so I called maybe a month later talk to a lady named Ms XXXX but said she could not help me so she try to put me in touch with XXXX XXXX which took a few days before I could talk to her, and when I did talk to her she said that she would have to talk to her manager about my account because is was showing {$130.00} and I only paid {$130.00} but as I told her I paid what was showing on my credit report which was {$130.00} if it would had said {$130.00} I would had paid that so this company XXXX XXXX XXXX XXXX XXXX Georgia, so nothing was done with her so I called her back a couple of times and it went to voice mail saying that it was full. so I called back the next day and they put me in touch with a Mr XXXX XXXX and he say that he would see about it and at this time nothing has been done but they have my money I am very upset about this they have reported it to one Credit Bureau XXXX, and when I called back nothing still has not been done with the other two Credit Bureau XXXX or XXXX so I need some help please in getting this resolved
11/22/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
I was contacted by phone in XXXX of 2019 ; a male person asked me for monies related to a debt I had no information about. I asked for details, the person threatened that an unpaid debt would " go on my credit report '', which I relayed that I understood that, however, I would not give him my credit card information w/o verifying it was a legitimate claim. I asked for a hard copy bill and any dates, details, etc. The male said he had the amount owed and I should know I owed it! I asked for an address to request details and was given an address in Georgia. I was skeptical and believed it was a scam but did not want to take a chance on an error causing a mark on my credit. I sent a Certified Letter to the address in Georgia and have received no information in return. I assumed it was, in fact, a scam. Now I see it on my credit report and do not know what to think. I had my identity stolen twice in the summer of 2019, therefore I have been extra careful with anybody contacting me out of the blue asking for monies. Especially monies I can't get details on. Can a scam company actually report to the credit agencies? I don't know what to do at this point. I have disputed this with XXXX and with XXXX. Please help.
07/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77040	Web
XXXX XXXX XXXX ADDED TO MY CREDIT REPORT THAT I OWED THEM AN AMOUNT OF WHAT I THINK IS A HOSPITAL VISIT. I DESPUETED THISON MY XXXX REPORT. AND THEY KEEP CALLING BUT I DONT ANWEAR. THEY CALL ME WHILE I WAS WORKING AND ANWEAR THE GUY WAS PREATTY MUCH TRYING FOR ME TO VERYFIED AND I ASKED HIM WHERE HE WAS CALLING FROM AND AT FIRST IT SEEM LIKE HE WAS REFUSING TO VERYFIED HE KEEP SAYING IT WAS AN IMPORTANT MATTER. THEY I TOLD HIM YEAH YOU GUY ADDED SOMETHING TO MY CREDIT AND HE SAID YES. AND HUG UP. I CALLED BACK AND THEY TRASNFER ME BACK TO HIM AND I ASK HIM WHY HE HUNG UP HE SAID YEAH WAIT I ASK HIM WHY WAS HE CHARCHING ME FOR SOMETHING THAT DID NOT HAVE MY NAME. HE SAID HE WOULD LETE ME TALK TO SUPERVISOR. HE PREATTY MUCH DID NOT KNOW WHAT TO SAY. SUPERVISOR CAME ON THE PHONE AND HE WAS RUDE SO I WAS RUDE BACK I ASK IF HE HAD PROOF HE SAID HE HAD SEND IT BACK IN XX/XX/2017. AGAIN THIS DEBT JUST SHOW UP ON MY CREDIT ABOUT 3 DAY FORM THE DAY OF THIS COMPLAIN. HE KEEP SAYING THAT I DID OWED THAT MONEY AND I KEEP TELLING HIM THAST HE HAD NO PROOF WE STARED SCREEMEING BACK AND FOWARD AND I DECIDED TO HUNG UP. IT WAS POINTLESS. BOTTOM LINE I DO NOT OWD THIS DEBT I NEVER BEEN TO THE HOSPITAL.
01/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web	Servicemember
I spoke to XXXX XXXX XXXX,XX/XX/2020/. She was completely rude. I paid a debt back in XXXX in which I did not validate the debt was mine but just wanted to do the things necessary to get a home. I found out they were reporting that I owe them so I called them up had a agreement that they would delete the item if I paid {$93.00} dollars. I paid the amount and move forward today when the originator repulled my credit for it still showing. I called today and speak to Ms. XXXX when I tell her about me paying for the debt to be deleted her attitude change. She told me that they NEVER delete them. I let her know that the representative must of misinformed me. She continues to say it was her that took the payment and that she wont be going back and forth with someone about {$93.00} collection and she was about to get off and didn't have time for that low amount of a debt thats already been paid. I asked her well since you wont remove it can you prove the debt is mine she continued you over talk me and bash me about the amount and how it was so small like it was beneath her to validate that the debt is actually mine if I just paid it instead of showing proof before I paid.
04/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web
I have submitted several complaints against this collection agency XXXX XXXX XXXX XXXX. I have proof they was taken off my credit report last year for the same balances and amounts they keep adding as new to my credit report this year. This is illegal and I will be contacting the State attorney general about their collection tactics. They could not provide true validation for this debt with should have been sent to Medicaid to pay, because I receive medicaid and I am disable. They was just removed again this year from one of my credit reports, but keep adding the same collections as new to different credit reports. I think this company thinks because there was a breach they can use illegal tactics to try to collect on a debt that should have been sent to Medicaid a very long time ago. I have my previous credit reports of this not being on there because this debt was removed. I have my many complaints about this company disputing this debt, which is stressing me out when I am already XXXX due to mental illness. This is harassment at this point. This will be my last complaint asking this company to remove this debt from my credit reports and to leave me alone.
08/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Web
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
05/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90805	Web
Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.
08/24/2015	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 95472	Web	Servicemember
This was originally a debt from " XXXX XXXX XXXX '' whom would not give me a Itemized bill. Part of the bill was itemized but at the bottom was a charge for " other charges '' I asked them many times for a itemized bill, when they would not sent one I told them I would not pay anymore. The debt was sold to " Bay Area Credit Services '' whom contacted me repeatedly with offers to settle the debt for a lesser amount. I explained that I would pay the bill when I received a itemized bill. They sent me a new bill which was not itemized either, in fact it was less itemized then the original. I again explained that I would pay when I received a proper bill. To this day I have yet to receive one. The debt was reported to the Credit Agency 's and now I have a negative report on my credit. I do not believe this is a fair business practice and NO ONE should have to pay charges that are not given. " other charges '' tells me nothing. Nor do I think they should be able to impact my credit standings, It is just not right! I still have all the correspondence and bills regarding this matter.
10/16/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30501	Web
I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX XXXX of a suspected XXXX or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me
04/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89104	Web
I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.
11/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 666XX	Web
On XX/XX/XXXX a collections account was opened for {$1100.00}, i only noticed and knew of the " debt '' because of cedit karma. The company never once attempted to contact me and are using an address i haven't lived at in now over 6 years. The debt collector also never contacted me to alert me of being in collections. I had to email the debt collection agency 3 times to get a response and they only responded when i mentioned getting a lawyer since they will not respond. I have emailed them 2 times since initial contact trying to understand how i got this debt and how it got to collections without me knowing it existed but have received no response. Making an invoice can be done by anyone who has basic knowledge of computers and some basic personal information so that's not proof of the debt and i addressed that in one of the emails. My address has changed once since XXXX and I've had the same and only phone number for 10 years so it's not like it's hard for a legitimate company with a legitimate debt to get into contact with me.
08/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12180	Web
I keep getting calls from Bay Area Credit to collect on a debt that does not exist. My only existing debt is my student loan debt which is handled by XXXX XXXX. Bay Area first repeatedly called my parents ' house back in XXXX 2015 -- where I do not live -- attempting to collect personal information about me. My mother told them she would report them and they stopped calling my parents. Somehow, they obtained my cell phone number ; their first call to me was on XXXX XXXX, 2015 ( XXXX, no messages ). Since then, they call during my work day. They have only ever left a voicemail XXXX, and they sounded suspicious. Sometimes they call every day, sometimes they call maybe once or twice per week. I 've contacted XXXX ID ( a credit monitoring service -- set up after the XXXX cyber attack ) regarding the calls, and they told me this is likely a phishing scam and to ignore the calls from Bay Area. I followed their advice to ignore their calls, but they are really annoying. I am on the Do Not Call registry. Please make this stop.
11/13/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MD 20878	Web
Last year on XX/XX/2017 I got a XXXX XXXX XXXX at this restaurant called XXXX XXXX, located in XXXX, MD, XXXX. Before ordering I made aware to the manager and the server about my XXXX XXXX XXXX. I ordered a steak dish to prevent any cross contamination. Unfortunately, I got a XXXX XXXX XXXX on which I ended up in the hospital, missing days at work because of this issue. Before taking me to the hospital in the ambulance, my family talked to the manager about, their terrible mistake how dangerous that could ended up. The manager explained to us that their insurance was going to take care of all the medical expenses. Its been more than a year and the collection agency keeps calling me every single day to collect this debt that has also affected my credit score and other things because this debt cant be paid. I have taken all the medical bills since day 1 to the restaurant and brought to the manager 's attention but nothing has been done. I want to know how can you help me solve this. Thank you
01/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 37087	Web
This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?
03/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web
XXXX XXXX XXXX XXXX is trying to collect a medical debt without. Legitimate validation. They are sending copies of reports they brought from another collect agency called XXXX XXXX XXXX. This Debt was originally placed on credit reports without proper validation from a different collection agency it was disputed and removed from my credit reports. It is against the law to add back a debt to a credit report when it was already removed. They brought this debt from a different collection agency and still do not have validation and authorization to collect this debt. They are sending me letters every week about this debt and I feel harassed by this company, because they I have reported that they do not have proper validation and they just come up with different summary copies from other collection agencies they brought this debt from. I will be reaching out to an attorney. I am XXXX and has been since XX/XX/2016 and I do not want any more contact with this company.
06/26/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. BAY AREA CREDIT SERVICEXX/XX/2023 {$6600.00} violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
10/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23220	Web
I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.
01/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30094	Web	Servicemember
On XX/XX/XXXX, I sent Bay Area Credit Service a certified validation letter. I asked them to send me proof that I owed their company money. On XX/XX/XXXX, they sent me a letter stating I owed {$1000.00}. After looking closer at the letter I noticed it was an incorrect name and address. The name was XXXX XXXX. The company sent me the wrong information included with my patient care report Not only has this company violated HIPPA, they have also violated the FDCPA. I have responding to Bay Area Credit Service with a certified letter dated XX/XX/XXXX demanding that they remove the erroneous item from my credit report and the company cease and desist any and all collection activities. Depending on the outcome of the collection agency 's response, I will make the decision to contact the patient whose record I was received without her authorization. This is a clear HIPPA violation to send a patient 's records without HIPPA approval. XXXX XXXX
02/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89149	Web
In XXXX of 2016 I was involve in a motor vehicle accident. Was transported by ambulance to the hospital. This bill is a result of that ambulance ride, from that medical transport company. I ended up having the accident handled by personal injury attorney. That attorney settled the matter without my knowledge, keeping all but {$380.00} and did not pay ANY of the medical providers in question. This bill included. Leaving me with almost $ XXXX in medical debt. The attorney was suspended by the XXXX XXXXXXXX XXXX XXXX due to actions of misappropriation of client funds. The investigator handling my matter indicated to me that this amongst all of my medical liens are part of his {$5.00} XXXX in restitution. I provided the collection agency the supporting documentation that I am including with my complaint. They not only refuse to remove the collection from my credit, but are enforcing the debt, but charging 3 % daily interest on the debt.
09/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91739	Web
The supervisor XXXX at Bay Area Credit Services at XXXX told my wife that she owed a debt to XXXX. We have asked them many times to verify the debt with us because we have not received a bill from XXXX at all. They would not give us any information on this debt. They have called past XXXX and refused to give us any validation of the debt. We asked them for more information on the debt and they either tell us to pay it or let us know that they will send something in the mail. We have asked for mail to be sent to out address or an email and they say they cant do it. We dont want to give out any money because it could be a scam. I told them we were going to report them to the CFPB and they just hung up. They had XXXX accents so it was hard to understand anything that was going on. Its been around 6 months or more of these calls and nothing has been resolved because they can not verify any information of this debt.
03/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30307	Web
I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.
07/10/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78006	Web
XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.
11/22/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30047	Web
I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.
04/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60586	Web
I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
11/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
Hello, Bay Area Credit Service violated, " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' and placed a debt I have no knowledge of on my credit report. I received notice today via a credit alert asking if I was aware of this debt. I am not, nor was I properly notified. The amount stated is {$560.00} and no actions were taken by the company. I am asking that this collection is removed as it did not follow collection rules.
03/29/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 117XX	Web
On XX/XX/2018at XXXX I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment
10/15/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77062	Web
Company calls my number several times every day, always from a different number. They demand personal information such as home address, social security ( last 4 digits ), birth dates without identifying who they are or why they are calling. Even after repeated requests that they stop calling and harrassing, they continue. In addition, I set up a payment plan to pay the bill in question. Immediately after making the first payment, the phone calls intensified in frequency. When I tried to make the next bill payment, my online payment was rejected. When I called to find out why, they claimed that I had the wrong creditor and gave me a new creditor 's name, claiming that they name of the company I owed the money to was the name of a doctor. I requested documentation of the debt under the name of a new creditor, and the manager stated that he did not have to send that to me.
03/27/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92394	Web
I paid off the debt in a settlement with the company, Bay Are Credit Service, formerly with XXXX XXXX XXXX. It was for two ambulance bills totaling {$400.00}. I called them to settle and we paid I believe {$220.00}. I cant search for the paperwork right now because my husband just died in XXXX and I have had XXXX for three months. It was off of our credit report for a long time and last year started showing up on our report again. I started protesting it through XXXX and XXXX last year and I keep getting back that the debt collector states it is a valid debt. I havent called the company because I know that if I call them it will be on my credit report longer. It is harming my credit. To have this on there and I definitely cant afford to pay it off. I am so frustrated that they arent doing what they are supposed to do and live up to their end of the bargain as I did.
06/18/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 319XX	Web	Servicemember
I dispute that I owe any debt. Bay Area Credit Service is trying to collect a non existent {$200.00} debt for a super speeder fee in the State Georgia plus {$50.00} for a fee. I never had a {$200.00} ticket. I had a ticket that was reduced from {$650.00} to {$210.00} by the XXXX County 's prosecutor through negotiations I did with him personally the day of my appearance in Court. I paid this fee on XX/XX/19 to the XXXX County Traffic Court, payment that the Court memorialize in the summons and in a receipt it provided me. Accordingly, not only did Bay Area Credit Services failed to verify a debt existed, which makes its action or inaction a violation of the FDCPA, but Bay Area Credit Services also misrepresented any so called debt amount and harassed me by sending a debt collection letter to my work address in XXXX XXXX. I received this letter on XX/XX/19.
03/23/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 360XX	Web	Servicemember
A company named Bay Area Credit Service is purchasing false debts from fraudulent companies that are selling false debts on medical patients, in my case specifically " XXXX XXXX '' their urgent care system " XXXX XXXX XXXX. Have made contact with Bay Area Credit Services on XX/XX/2020, and they no longer have my name in the debt records, however they are still trying to collect a debt that is not owed, and stated " I do not have you in any of our databases, so I can not tell you how much you owe or who the original creditor was that we bought the debt from. '' Shortly after prompting me to give them my Social Security Number. '' This company executing fraudulent practices could not be any more obvious. How can these types of predatory business practices be allowed to exist? XXXX XXXX has a known lawsuit against them please see link below : https : XXXX
02/13/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29707	Web
This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.
08/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 923XX	Web
I checked my credit report on a weekly base on XXXX XXXX and it ask me to confirm my new account. I have n't applied for new credit or anything so I log on and it stated it was a new medical collection account that was reported on XXXX XXXX, 2017 by Bay Area CS for the amount of {$760.00}. I contacted my heath insurance ask them if all my claims were paid they stated yes and I had them verify my coverage and they did they pay 100 % I just have to cover the co payment which is {$20.00} for an DR. office {$100.00} for Hospital. So I find this odd that this company is reporting I owe {$760.00}. I never revived any paperwork on this no proof its my debt and my heath insurance said they already covered all my claims so there is nothing owed and if there is something owed it will either be {$20.00} or {$100.00}.
10/10/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30043	Web
I was notified by my credit monitoring company that two derogatory remarks, collection accounts have been added to my account by Bay Area Credit Services. They state they are from XXXX XXXX XXXX but can not give me any additional information. I have called three times, the first two times Bay area Credit could not find any information, the third found the debt and was supposed to email me a statement which I have not received. I have also emailed Bay Area Credit and not gotten a response. I do not know what this debt is nor have I gotten previous attempts from anyone to collect it. I do not have invoices or statements from anyone that I am aware of. Bay area Credit put a derogatory remark on my credit file which dropped my credit score and they can not give me any information as to what this bill is for.
01/14/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98118	Web
I received an invoice date XX/XX/XXXX from an ambulance company, XXXX XXXX XXXX, in the amount of {$200.00}, for a patient named XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to XXXX stating that I don't know anyone by that name, that I am not responsible for that person 's bills, and that I had never been transported in any XXXX ambulance or received any other services from XXXX. I never received any response from XXXX, other than additional copies of the bill and a threatening " PRE-COLLECTION FINAL NOTICE '' dated XX/XX/XXXX. I received a notice dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX XXXX, demanding payment of the XXXX bill plus interest ( {$200.00} ). I have written a letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX disputing the validity of the alleged debt.
02/24/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30328	Web
I have a potential debt for XXXX XXXX XXXX services on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX response in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my XXXX report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?
12/27/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34759	Web
I am filing a complaint against BAY AREA CREDIT SERVICE for a fraudulent unverified account with no Original Creditor information on account # XXXX. I do not recognize this account for {$150.00}. I dispute any and all accounts in your office under my name XXXX XXXX. You are a 3rd Party that I chose to not do any business with your company. I would like this account to be deleted from your data base, if your company BAY AREA CREDIT SERVICE sells this unverified account to another 3rd Party company I will press charges for fraud and ID Theft as well as HIPPA Act violations. Under FDCPA 1692 ( c ) CEASING COMMUNICATION THIS IS MY OFFICIAL NOTICE IN WRITING THROUGH THE CFPB ( An official website of the United States Government ) DO NOT CONTACT XXXX XXXX ABOUT THIS DEBT.
06/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33434	Web
Bay Area Credit Service is trying to collect a debt that was paid off almost 3 years ago in XX/XX/2018. My Insurance paid off part of the amount and I paid off the remaining balance to Bay Area Credit. They are still trying to collect on a full amount as if my health insurance did not pay anything. I have the receipt from back in XX/XX/2018 when I paid what I owed. As per the EOB ( attached ) the total I was responsible for was the Total ( {$530.00} ) - Provider Discount ( {$190.00} ) = {$340.00} The receipt from them, Bay Area Credit, clearly states I paid it. Yet they have still not taken it off my XXXX credit report and are also trying to collect the full amount of {$530.00} and not the correct amount after my insurance provider had already paid {$190.00}.
01/25/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34953	Web
I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.
12/28/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33410	Web
I received multiples calls back to back same phone number within about 10 minute time lapse. I answered thinking it was an emergency of some sort as I have children. Was told it was from a debt collector I took down some info explained I was busy and told them I can contact them at a later time which I intended to and was put in phone with superior who proceeded to talk to me aggressively saying I had to pay today I had no choice but to answer my phone and spoke to me loudly. I told him he was being unprofessional and that I was a busy person he has no right to get aggressive when all I was asking was to give me time to call back when I had a chance and he wasnt giving me he continued to be aggressive to a just got As much info as I could and hung up.
05/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77573	Web
A debt through bay area credit service came up on XXXX XXXX for me, so I called them and paid the debt off in 2 payments. The payments were taken by XXXX XXXX, 1st payment was on XXXX for {$450.00}, the 2nd payment to pay it off was on XX/XX/11 for {$280.00}. They had my address incorrect in their system, so I gave them my correct address when i scheduled the payments. About a week after the account was paid in full I called and spoke with XXXX XXXX and asked him to delete the debt from my report because I never received notice of the debt to begin with and wouldv'e paid it from the beginning to avoid it getting reported if I knewabout it. I was told that it is company policy to not delete debts from credit reports, even if the address was incorrect.
04/05/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 91722	Web
My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.
08/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
12/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78218	Web
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
04/09/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03102	Web
Hello, Please i will like to file a dispute to remove a fraudulent collections account added to my credit report. This debt does not exist and i believe its a situation of identity theft, I have tirelessly been trying to contact the company about this but they have no paper proof of a debt i owed plus they were trying to have me meet up with their agent somewhere to pay off a debt i did not owe. Information of the collections company is below, XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX Collections Account XXXX : XX/XX/2018 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Remarks : Medical I hope you will please do something about this and help me remove this fraud company from my report.
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21207	Web
Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. I have sent disputes approx. 3 to 4 times with proper information and explanation. no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. I constantly monitor my report with all 3 reporting agencies daily. requesting to remove with prejudice. XXXX should remove promptly from my report. 1ST XXXX XXXX XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.
06/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
I have been disputing with the XXXX credit companies about Bay Area Credit Service since XX/XX/XXXX of an account that they have in my credit file reporting since XXXX, XXXX XXXX. I sent certified mail requesting validation of debt, Bay Area received and signed for the certificate letter on XX/XX/XXXX. As of XX/XX/XXXX they have not sent me any proof of debt HOWEVER THEY keep RE-REORTING the same collection account every other day, in order to lower my score. Attached is certified mail sent to Bay Area. This company takes advantage of the consumer by doing as much harm as they can inflict. I respectfully request from CFPB to have this collection account deleted from my XXXX XXXX XXXX. And have them sanction
12/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.
08/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 719XX	Web
I was forced to receive medical treatment from XXXX XXXX on XX/XX/2019. They asked for my insurance and told me I wouldn't be charged.XXXX XXXX XXXX filed a claim for XXXX with my insurance, and my insurance according to my explanation of benefits states that I don't owe anything. Despite that I kept receiving bills from XXXX XXXX XXXX who then sent the debt to Bay Area Credit Service on XX/XX/2019.I sent a copy of my EoB to Bay Area Credit Service, but they ignored that and kept sending me bills for higher and higher amounts. I have also attempted to explain this on the phone, but they insist that my insurance rejected the claim, and tried to bully me into paying the amount right then.
09/21/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
01/21/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 31404	Web
i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor XXXX.
09/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78550	Web
This company is reporting erroneous information on my credit report without validating or verifying information. This account does not belong to me and it is hurting my credit. I want them to remove the information from my report or I will sue and take them directly to court which I am entitled up to XXXX USD for this inaccurate reporting and misleading information and all the harm it is causing me. Account Number XXXX XXXX XXXX ( Debt Collector Name ) XXXX XXXX XXXX XXXX Amount {$980.00} Date Reported XX/XX/2018 Account does not belong to me this is a mixup. So they need to remove it from my credit report or I will promise to sue the company.
07/09/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 183XX	Web
I contacted Bay Area Credit services about settling my debt with XXXX XXXX XXXX. XXXX around XXXX of this year.I first offered monthly payments but they wanted nothing to do with it but settled on a one-time payment of around $ XXXX.So I gave them my debit card number and repeated back the confirmation number of payment they did not repeat it back but hung up on me. So feeling uneasy about this I canceled my payment and researched the company. I found out they were not on the up and up and more than likely a scam service. many complaints have been made against this company I do not trust them with my financial information whatsoever.
08/24/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NV 89102	Web
Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.
07/13/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 64055	Web
I have been receiving bills from the XXXX XXXX XXXX since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.
04/16/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32606	Web
Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.
10/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85213	Web
I have written XXXX in XXXX, XXXX, and now XX/XX/2022. The collection agency Bay Area Credit Services, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from XXXX is " the account has been verified ''. They and Bay Area Credit Services have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.
12/26/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
XXXX XXXX XXXX billed my insurance and the insurance paid the claim and informed me I owed {$0.00}. XXXX continued to bill me for {$540.00} and I informed them of the insurance decision that I did not owe any money. The placed me with XXXX XXXX XXXX The collection agency did not contact me in any way they simply put a delinquent mark on my credit. When I found this out I made attempt to correct their information and was unsuccessful. I finally paid the bill as a nuisance to clear up my credit. This is a fraudulent action on both the Ambulance company and collections agency that amounts to extortion
07/18/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85213	Web
Hello, Hello, I have a collection on my report from XX/XX/XXXX. I moved to XXXX XXXX on XX/XX/XXXX and have not been back to XXXX. I dont know who or why my information is in the system but this was not me and I have NO knowledge of this. I have disputed this once before with credit karma and it was removed. However, it was decided to charge me again. This WAS NOT ME and please let me know what I need to provide to show I have been in XXXX since XX/XX/XXXX. This is fraud possibly even identify theft. I have no knowledge of this. I am also filing a complaint with XXXX XXXX, XXXX XXXX and XXXX again.
10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web
I filed a dispute in 2020 because this account did not belong to me so this account was brought by an collection company brought an account and trying to come after me for something that dont belong to me I asked for Verification and validation of this account that I own this account that was brought I asked for proof that yall was the original Owner of this account and that yall have a clear title of this account and something that shows I made payments to this account please provide this information if not please remove from all XXXX Credit Bureaus.What process did yall use to verify this account
12/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89128	Web	Servicemember
On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.
10/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ME 041XX	Web
On/about XX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
05/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
04/29/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30019	Web	Servicemember
Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.
06/17/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 955XX	Web
A company called Bay Area Credit service has called me on 2 occasions. First from ( XXXX ) XXXX on XX/XX/XXXX XXXX. The second from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX. Then today, XX/XX/XXXX i received a letter listing XXXX XXXX XXXX XXXX as a creditor in the amount of {$1500.00}. The day i received the first call i contacted XXXX XXXX XXXX XXXX and verified i hadnt defaulted on any bills. Additionally i have a credit card receipt in the amount of {$1500.00} on XX/XX/XXXX. After the second call i explained i had no debts and if they contacted me again i would file a complaint.
03/04/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KS 66048	Web	Servicemember
This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.
09/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 081XX	Web
TO WHOM IT MAY CONCERN, I XXXX XXXX XXXX XXXX, RECEIVED AN ALERT ON MY CREDIT REPORT ON XX/XX/, FOR A COLLECTIONS ACCOUNT THAT WAS ORIGINALLY WITH XXXX XXXX XXXX IN THE AMOUNT OF {$4500.00} OPENED XXXX XXXX. I DO NOT LIVE IN XXXX, PENNSYLVANIA AND HAVE RESIDED IN NEW JERSEY FOR OVER 6 YEARS. THERE IS NO WAY POSSIBLE THAT I COULDVE HAD AN ACCOUNT IN XXXX WITH CONNECTED UTILITY SERVICES. I HAVE ATTACHED MY FTC REPORT. THERE ARE SEVERAL NAMES, ADDRESSES, JOBS AND INCORRECT BIRTHDATE ON MY CONSUMER FILE. I HAVE ONLY BEEN KNOWN AS XXXX XXXX XXXX XXXX, AND NO OTHER NAME.
03/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89122	Web	Older American
I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,
05/29/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85142	Web
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
07/21/2019	No	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 781XX	Web	Servicemember
Bay Area credit services account # XXXX creditor pens XXXX XXXX XXXX XXXX just Recently Started sending me a bill for XXXX and Ive called and told them I dont have a bill and I dont know that place and they it was from a doctor visit back in XX/XX/2018 my kids and I have Medicaid and have had Medicaid for over a year. And the only doctor or hospital we have been to we dont owe anything Ive called and this place cant tell me what doctor and they were getting mad when I wouldnt pay and said they would freeze my ssn Ive never heard of that before.
05/20/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33993	Web
I moved from XXXX XXXX XXXX in XXXX XXXX I contacted XXXX with VERY LIMITED STAFF finally got through to cancel my service effective XX/XX/XXXX. I had NO BALANCE AT THAT TIME. I will attach a copy of the lease for the place that we moved to at XXXX XXXX XXXX You need to contact the owner XXXX - the account was to DEFAULT back to him and he didnt rent for many months because I still have contact with him. THE OWNER IS RESPONSIBLE. PLEASE STOP ILLEGALLY PUTTING FALSE NEGATIVE BILLS ON EVERYONES ACCOUNT>>>> FIX IT >>>>> IMMEDIATELY!
04/23/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78209	Web
Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.
07/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92260	Web
I was charged by XXXX XXXX XXXX in XXXX of 2021 and the debt went into collections. I WAS NOT INVOLVED WITH XXXX DURING THIS TIME. it has been almost 20 years since I was in an ambulance and the debt was paid in full. Now this new account opened up with my name, my SSN and an OLD address of mine. THIS DEBT IS NOT MINE AND XXXX FAILS TO CORRECT THIS. XXXX and XXXX have removed this debt. The collection agency is BAY AREA CREDIT SERVICE. Please help me to get this debt off my credit report.. IT IS NOT MINE.
11/04/2019	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	FL 349XX	Web
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
06/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19143	Web
I am a victim of identity theft. My information was used and shared without my consent. I did not authorise any opening of accounts. This is illegal and a violation of my consumer rights. BAY AREA CREDIT SERVICE, started to report as of XX/XX/ that I owe them {$3200.00}! the original creditor is XXXXXXXX XXXX XXXX XXXX. this report was placed on my credit and is now in collection. I have contacted the company on my behalf, and told them I don't owe them and that debt doesn't belong to me.
11/30/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19143	Web
On XXXX of XXXX XXXX XXXX XXXX forgave me for the past amount due on my account in the amount of {$2500.00}. However even after I contacted the collection agaency to report the debt as being forgiven they popped up on my credit report after I applied for my mortgage loan making my score fall -25 points. I called the Bay Area XXXX which at first couldnt find the debt but then still shows on my credit report even after the creditor XXXX XXXX XXXX has forgiven my account into a {$0.00} balance.
11/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NM 880XX	Web	Servicemember
I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91730	Web
BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.
03/01/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91789	Web
I got a credit alert that there is a derogatory account under my name. I called Bay Area Credit Service regarding debt collection. Name and address associated with the account were not names or addresses associated with me. They told me I should contact the credit bureau. I contacted XXXX and had those names and addresses that were not associated with me to be removed from my credit. I contacted XXXX again today regarding issue and they told me I needed to file a fraud complaint.
11/08/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
According to XXXX XXXX. A notice of this debt was sent to my old XXXX address on XXXX XXXX. I was not in that location as I have moved to XXXX XXXX. My address was changed with USPS XX/XX/2023. Which further proves I did not receive notification of this debt and it was just added to my credit report with again is a violation of the fair credit act. As a collections company you need to make sure you have to correct information before doing this. You are breaking the rules.
11/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30022	Web
My credit monitoring company advised me that this company submitted a collection to my credit file. I have never done business with them and have received no communication from them. I called them and they told me the debt was from a past medical visit but I have no written paperwork to confirm this and they have already negatively impacted my credit report. I would like this collection removed from my credit report immediately. I never did business with this company.
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web	Older American, Servicemember
XXXX and XXXX reported a {$3700.00} collection filed by Bay Area Credit Service from an uncollected account from XXXX, XXXX XXXX Works with no supporting data. I called and spoke with XXXX and XXXX XXXX on the phone the day I received and alert that the account had been posted to the credit companies asking for documentation of the account ; XXXX said the records were more than two years old and would require a subpoena. Bay Area Credit Service gave no answer.
01/25/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19023	Web
BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
01/16/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19111	Web	Servicemember
on XX/XX/2022 XXXX XXXX opened up a collection. account number {$2000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
03/07/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 207XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX XXXX
02/25/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 99208	Web	Servicemember
The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
05/24/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web
As of XX/XX/2022 I have attempted to get Bay Area Credit to provide me with proof that i am in fact that the correct consumer who they claim owe {$530.00} per receipt forwarded to me by them but that does not constitute as a contract or any verification according to the Fair Debt Collections Practices Act ( FDCPA ). They continue to report this false information on my credit profile, to which has caused me continuing credit issues.
12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23666	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
02/13/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	FL 33309	Web
I disputed the referenced accounts ( # XXXX & # XXXX XXXX by third party XXXX XXXX XXXX XXXX. The credit report shows these items were deleted from my credit file XXXX 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.
06/06/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33782	Web
they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.
01/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85259	Web
The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX
10/23/2019	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28052	Web
Bay Area Credit, I have informed them this is not me. Also they have harrassed my mother, my kids and my work and have yet to contact my phone. I talked to them on my daughters phone they refused to give me any info on the acct also told me if i didn't pay it i would be Sued. I don't know this acct or where its from, what its about. She wanted me to giver her my info but refused to give me any info abt the acct.
11/24/2020	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19145	Web
I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.
09/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 98118	Web	Older American
I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.
08/26/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	ID 83709	Web
I never received a bill or heard anything from my insurance company. We had just moved and I did a change of address but still never received anything in the mail. I hit my head and took an ambulance ride back in XX/XX/2020. No contact or any type of notification was received and I found out by going to XXXX XXXX and seeing the collection. No attempt to get my insurance was made either.
02/04/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web
Bay Area Credit Service has failed to provide me with any real proof the debt belongs to me. They do not have any signature of mine binding me to any type of contractual agreement to pay them. Further more they have violated the Hippa Law by providing me with diagnosis, procedures and charges via mail that is not pertaining to me. I want this debt closed and removed immediately.
11/07/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33709	Web
Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.
04/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91402	Web
This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. Asked for me to verify my personal info. I do not have any outstanding debts, and believe this is a scam.
02/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 366XX	Web
On XX/XX/XXXX, Bay Area Credit Service was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to XXXX XXXX XXXX XXXX who then reported my account as delinquent in XXXX ( SEVEN YEARS LATER ). Luckily I kept the original Dispute Letter.
09/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95206	Web
I am a victim of Identity Theft so I had an alert placed on my credit. That said, I have received several alerts that XXXX XXXX XXXX XXXX has accessed my credit. I have not received a notice from them so I dont know what this is about. I have wrote them as well and to date no one has responded to me yet they continue to access my credit. Latest date was XX/XX/2018.
08/17/2020	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07094	Web
The agency is attempting to collect a debt incorrect. The amount shown is not reflective of my insurance, which was provided to the original medical agency. I have attempted to resolve this matter with the company, as well as the collection agency. Attached is a copy of my insurance card, which was active at the time of service, and provided to the medical agency.
05/29/2015	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76017	Web
This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.
12/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29707	Web
This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.
01/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75211	Web
Bay Area Credit Service XXXX XXXX XXXX XXXX ) XX/XX/XXXX1. ) XX/XX/2016 {$1300.00}XX/XX/XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XX/XX/XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
09/08/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 898XX	Web
In XX/XX/2019 I paid all of the amount due to Bay Area Services where they told me they promised debt would not show up on my credit. I was notified today XX/XX/XXXX, that this debt is showing on my credit. Amount due was paid in full in XXXX. I am requesting action to be taken and this derogatory mark be taken off of my account.
01/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37167	Web
Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.
02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28208	Web
My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.
09/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.
06/05/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95035	Web
XX/XX/2007 The Statement said {$1800.00} but when i call the Bay Area Credit Service they said i own {$3400.00}. when i call the Bay area credit service and told them they said its not been pay. i call XXXX XXXX XXXX the gentleman said he been working here for 2 years and don't know where to look for this account
10/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 377XX	Web	Older American
Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.
08/31/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77550	Web
Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.
04/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web	Older American, Servicemember
We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.
04/26/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75070	Web
I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.
02/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19124	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
02/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19146	Web
I was victim of theft identity. someone opened a account under my name with XXXX XXXX XXXXXXXX the dispute was file property and was dismissed. now the collection company " BAY AREA CREDIT SERV '' is attempting again to collect a debt is not mine affecting my credit one more time.
03/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
I receive a call every morning between XXXX and XXXX XXXX from XXXX. They are looking for my ex-husband. I have called the number repeatedly and never get a person. I have left messages with his phone number, explaining that he does not live here. The calls continue. Every day.
06/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19139	Web
Its hurting my credit & I didnt have any gas in my name in XX/XX/2023 this is hurting me being able to move and get a car for my children & I never gave anyone authorize to give a different company my personal information & its in collection but says open XXXX completely lost
08/22/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 770XX	Web	Servicemember
XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.
10/04/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 78758	Web
Dates I've been contacted : XX/XX/19 ( two times ), XX/XX/19, XX/XX/19, XX/XX/19 ( three times ), XX/XX/19 ( five times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ), XX/XX/19 ( five times ), XX/XX/19 ( three times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ).
03/14/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CO 802XX	Web
I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.
05/25/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19124	Web
Bay area credit reported a XXXX debt on behalf of XXXX XXXX XXXX they never sent me any notices written nor by phone. I attempted to request details and validation of debt and they fail to provide details send bill with total but no details.
05/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	UT 84790	Web
pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR XXXX AND & I HAVE NEVER BEEN ON XXXX.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT.
02/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.
01/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	HI 96753	Web	Older American, Servicemember
several communication with collector as insurance has paid all charges.. do not understand while now they have split the debt amount into XXXX different amount ( both total entire amount originally in question )
04/02/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
Filed Dispute on credit bureaus original creditor is XXXX XXXX XXXX XXXX XXXX {$1800.00} placed collections XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX
08/02/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
Received a collections bill in the mail from a procedure that toon place in XXXX of XXXX. I never once received a regular bill or statement requesting payment from the urgent care that performed the services.
12/23/2016	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 79424	Web
I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.
06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10704	Web
This debt was supposed to be from XX/XX/2003 15 years ago the amount of this that is {$310.00} dollars that was passed over to a debt collector and that on my credit report that I need it removed
09/15/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31021	Web
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID
10/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76119	Web
I have submitted multiple requests to have this item removed as I did not authorize the original creditor to share my personal information with this company. Per XXXX law it is a violation.
06/19/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33772	Web
Bay Area Credit and XXXX XXXX XXXX companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list.
10/13/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95747	Web	Older American
I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.
02/02/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 236XX	Web
This collection agency is called Bay Area Credit Service. They kept on calling me throughout the year of XXXX and XXXX, even after I set up a payment plan with them.
06/14/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 346XX	Web
XX/XX/2019 and repeatly XX/XX/XXXX I had disputed on my XXXX credit report because I had paid it in full and they denied the dispute and it remains on my credit
04/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19115	Web
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
06/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WA 988XX	Web
I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT
05/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account
01/05/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
09/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32244	Web
Bay Area Credit continues to call my place of employment even through I have asked them not to contact me at work.
06/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 20874	Web
I received calls but no paperwork regarding this liability. I'd like this to be removed from my credit report.
10/20/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 763XX	Web
bayarea put a neg statement to the cr bur, previous creditor XXXX never had a notice to cr bur i owe XXXX
05/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 92307	Web
Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.
04/13/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	NC 282XX	Web
I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.
07/09/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32771	Web
They called me XXXX times in a matter of XXXX hours over a balance of {$490.00}. This is ridiculous.
10/22/2021	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	PA 19013	Web
It was taken of my credit report 2 different times and it shows up with different companies now
10/05/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	MA 01854	Web
Debt was paid XXXX/XXXX/2014, Was promise to remove/delete file from XXXX credit bureaus
03/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28216	Web
The company did not validate this bill was mine instead they sent a settlement letter.
12/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34209	Web
I have no affiliation with XXXX XXXX XXXX XXXX. They have no signed debt with me.
02/26/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 79602	Web
on my credit report it shows a collections for medical services i did not recieve
11/17/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33615	Web
Bay area credit servic has an account on my credit that is not mine/inaccurate.
07/10/2023	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 27909	Web
I have been dealing with this for months and its a lot of calls that wont stop
12/16/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 763XX	Web
XXXX creditor was paid XXXX still showing on rpt.
02/16/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 763XX	Web
BAY CR WAS PD XXXX STILL ON CR BUR NOT PAID
07/13/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 28056	Web
Harassment and stalking
12/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29576	Web

12/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19146	Web

12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19119	Web

10/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39170	Web

07/10/2023	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 27909	Phone

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63304	Web

05/05/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19146	Web

03/21/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19118	Web

03/20/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web

03/07/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33064	Web

02/28/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32839	Web

02/20/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 14304	Web

12/09/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32301	Web

11/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30302	Phone

10/11/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 49508	Web

10/06/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33844	Web

09/06/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19104	Web

07/28/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

07/26/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80231	Web

07/19/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

07/19/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

06/27/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89135	Web

06/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92570	Web

04/05/2022	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30034	Web

03/10/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33176	Web

02/09/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97214	Web

02/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web

01/27/2022	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AL 35215	Web

12/15/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19121	Web

11/04/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34771	Web

09/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98177	Web

09/20/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19020	Web

09/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48227	Phone

08/23/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91913	Web

08/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08701	Web

08/05/2021	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30228	Web

07/15/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web

07/07/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31605	Web	Servicemember

06/23/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91913	Web

06/01/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19027	Web

05/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30253	Web

03/13/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45417	Web

02/26/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 12180	Web

02/02/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30281	Web

01/06/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

01/03/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94588	Web

11/18/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85044	Postal mail

09/30/2020	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63135	Web

08/06/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95841	Phone	Older American

07/07/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44310	Fax	Older American

06/25/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34223	Postal mail

06/15/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97035	Web	Older American, Servicemember

06/09/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AL 36582	Web

06/09/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web

05/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78218	Web

05/10/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30507	Web	Servicemember

04/27/2020	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77356	Web

04/17/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

03/17/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92277	Web

02/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77031	Web

02/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89119	Web

01/24/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Phone

12/11/2019	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33186	Web

12/09/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37769	Web

10/21/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 14810	Phone	Servicemember

10/01/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20876	Web

09/04/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 71854	Web

08/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34243	Web	Servicemember

07/29/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web

07/22/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78240	Web

07/22/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH XXXXX	Web

07/17/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28134	Web

07/17/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37214	Web

06/14/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15209	Web

06/13/2019	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98003	Phone

05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28134	Web

05/04/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28215	Web

04/17/2019	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	CA 95001	Postal mail

04/15/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

04/05/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 338XX	Web	Older American

04/05/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32578	Web	Servicemember

03/27/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28215	Web

03/26/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34972	Web

02/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27370	Web	Servicemember

02/21/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72933	Web

12/10/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78628	Web

12/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33309	Referral

11/28/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78249	Web	Servicemember

11/25/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 763XX	Web

09/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89012	Postal mail

09/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89014	Web

09/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85050	Referral

09/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28805	Web

09/05/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94401	Web

08/30/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 15226	Phone

08/18/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30087	Web

07/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22041	Web

07/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30097	Web

07/11/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 15204	Web

06/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77339	Web

05/29/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45426	Referral

04/30/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33067	Web

04/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15203	Web

04/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 45238	Web

04/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44070	Web

04/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77038	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 01020	Web	Servicemember

04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89052	Referral

03/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33068	Postal mail

03/08/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33716	Web

02/28/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

02/16/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 40272	Web

02/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21702	Web	Servicemember

01/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28213	Web

01/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39648	Web

01/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

12/30/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OR 97267	Referral

12/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07024	Referral

12/28/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45209	Web

12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95667	Web	Servicemember

12/08/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying		Phone

11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 43130	Phone

11/02/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32578	Web

10/30/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70094	Web

10/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93543	Referral

09/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89128	Postal mail

08/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89103	Web

08/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NV 89131	Web	Older American, Servicemember

07/16/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98273	Web

07/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web

07/05/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30032	Postal mail

07/04/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19148	Web

06/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28262	Web

06/02/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94122	Postal mail

05/12/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89436	Phone

05/01/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 44509	Phone

04/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28204	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89084	Web

04/04/2017	Yes	Credit reporting	Incorrect information on credit report Account status	NV 89084	Web

03/30/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66204	Web

03/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KS 66043	Web	Servicemember

03/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97401	Referral	Servicemember

03/07/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92806	Phone

02/17/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me instead of my attorney	CO 80303	Web

02/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92316	Web

02/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 94526	Referral

02/02/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33136	Web

01/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44632	Web

01/27/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89113	Web

01/21/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33126	Web

01/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 94612	Web

01/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32566	Web	Servicemember

12/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94526	Web

12/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NV 89147	Web

12/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 98550	Web

12/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80909	Web

11/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30504	Web

11/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 89147	Web

11/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33035	Web

11/14/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23227	Web

11/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 95005	Web

10/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SD 57564	Web

09/13/2016	Yes	Debt collection Medical	False statements or representation Impersonated an attorney or official	GA 30093	Phone

09/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63136	Web

08/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ID 83864	Web

08/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 67207	Phone

08/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34203	Referral

07/28/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	OR 97008	Web

06/30/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 34668	Postal mail

06/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 02050	Web

05/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08005	Web

05/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NV 89436	Web

04/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28453	Web	Servicemember

03/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93003	Web

03/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30308	Web

03/14/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OR 97217	Referral

02/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43230	Web	Servicemember

02/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33067	Web

01/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91345	Web

01/06/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 95210	Postal mail	Older American

12/21/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92557	Fax

12/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90047	Phone	Older American

11/04/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 45434	Web

10/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63123	Web	Older American

10/04/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 75070	Web

07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NV 89523	Web

06/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32792	Phone	Older American, Servicemember

06/16/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	IN 46303	Web

06/08/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 78244	Phone

06/02/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 75831	Web	Older American

05/26/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NJ 08816	Phone

05/18/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32225	Web

05/15/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 93030	Web

04/30/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91701	Web

04/20/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28213	Phone

04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 20746	Web

03/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33172	Web

03/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32835	Web

03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31548	Phone	Servicemember

03/19/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	FL 32003	Web	Servicemember

03/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MI 49045	Web	Servicemember

03/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32713	Phone

03/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63122	Web

02/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70726	Web

02/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44081	Web	Older American

02/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	UT 84043	Web

02/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91706	Web	Older American

02/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11767	Web

02/14/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 45150	Web

02/10/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AR 72450	Web

02/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WI 54868	Web

02/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 12603	Referral

01/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43212	Web

01/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08880	Web

01/23/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	TN 37076	Web

01/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85750	Phone	Older American

01/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94587	Web

01/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75028	Web	Older American

01/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95820	Web

01/06/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	TX 79550	Web

01/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 78109	Web	Servicemember

12/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94601	Phone

12/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76110	Web

12/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39532	Web

12/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94015	Web

12/16/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 43545	Web

12/11/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10457	Phone

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46220	Phone

12/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32606	Web	Older American

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33141	Phone

11/23/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MI 48071	Web

11/23/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NV 89031	Web	Older American, Servicemember

11/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77373	Web	Servicemember

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	DE 19966	Web

11/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22031	Web

11/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78250	Referral

11/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73029	Web

11/10/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33004	Web

11/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75229	Web

11/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49519	Web

11/04/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75042	Phone

10/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MS 38804	Web

10/27/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	CA 92592	Postal mail

10/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52302	Web

10/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

10/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 71923	Web

10/17/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 76430	Web

10/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28209	Web

10/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33567	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78660	Web

10/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30033	Phone

10/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CO 80206	Web

10/04/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94070	Web

10/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91802	Web

09/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine		Referral

09/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95838	Web

09/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32259	Web

09/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95355	Web

09/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29708	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32605	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75002	Web

09/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28209	Web

09/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 65606	Web	Older American, Servicemember

09/05/2014	No	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 32526	Web

09/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NC 28078	Web

08/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CT 06415	Web

08/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43558	Web

08/24/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA 95237	Web

08/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89136	Web

08/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90210	Web

08/13/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60466	Phone	Older American

08/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74114	Web

08/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06830	Web

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33172	Web

08/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20009	Web	Servicemember

08/06/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 95672	Referral

08/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20774	Web

08/02/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11206	Web

07/30/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 32174	Web

07/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92154	Referral

07/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43570	Phone

07/23/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NV 89031	Web

07/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93550	Web

07/21/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 81506	Phone	Older American

07/19/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44130	Web

07/18/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33032	Web

07/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97230	Web

07/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94545	Phone

06/30/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 16424	Web

06/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 88401	Web

06/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75802	Web

06/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 65807	Web

06/18/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77385	Web

06/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94558	Web	Older American

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93510	Referral

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 71968	Web	Older American, Servicemember

06/07/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89136	Web

06/03/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OR 97060	Phone

05/24/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40175	Web

05/22/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TN 37087	Web

05/09/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75071	Web

05/07/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39114	Web	Servicemember

04/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07062	Web

04/28/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CT 06708	Web

04/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32162	Web

04/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 07424	Web

04/25/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44128	Phone	Older American

04/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 56382	Web

04/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	AL 35811	Web

04/15/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 73170	Web

04/10/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63116	Web

04/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33736	Phone

04/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74023	Web	Older American

04/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77083	Web	Older American

04/05/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 32256	Web

04/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92104	Web

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AL 35773	Web

03/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77082	Web

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34266	Web

03/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31088	Web

03/25/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85017	Phone	Older American

03/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WY 83001	Web

03/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48316	Referral

03/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32606	Web	Servicemember

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10016	Referral

03/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92253	Web

03/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02134	Web

03/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37228	Web

03/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44883	Web

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48047	Web

03/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 34232	Web

03/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77418	Web

02/24/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	WA 98405	Web

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IN 46228	Web

02/20/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91730	Phone	Older American

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 65807	Web

02/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89031	Referral	Older American

02/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 11218	Web

02/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VT 53913	Web

02/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21208	Web

02/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48124	Web

02/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94044	Phone

02/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77531	Web

02/10/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 72227	Web	Older American, Servicemember

02/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web

02/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 39520	Web	Older American

02/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 74047	Phone

02/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92211	Phone	Older American

02/03/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28562	Postal mail

01/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60060	Web

01/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94303	Referral

01/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29650	Web	Older American, Servicemember

01/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95826	Web

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78245	Web

01/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37209	Web

01/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95610	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30022	Referral

01/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87035	Web	Older American, Servicemember

01/16/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	KS 66223	Web

01/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15126	Web

01/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 20850	Phone

01/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77002	Web

12/31/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08691	Web

12/30/2013	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 32808	Web

12/30/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Postal mail

12/30/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NV 89183	Web

12/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid		Fax

12/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43081	Web	Servicemember

12/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92008	Web

12/26/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 76018	Web

12/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33069	Web	Older American

12/22/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 88001	Web

12/21/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78645	Web

12/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33076	Web

12/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33408	Referral

12/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 61048	Web	Servicemember

12/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91606	Web

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20002	Web

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NJ 07034	Web	Older American, Servicemember

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60543	Web

12/04/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 34698	Web	Older American, Servicemember

11/29/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37912	Postal mail

11/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 28677	Web

11/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93307	Referral

11/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 76034	Web

11/10/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	VA 22303	Web	Servicemember

11/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 49455	Web

11/06/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60478	Referral

10/31/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33077	Referral

10/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77489	Web

10/25/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76052	Web	Older American

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75204	Web

10/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31516	Web

09/29/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80911	Web	Servicemember

09/28/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76639	Web

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60005	Web

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89084	Web	Servicemember

09/25/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79912	Web

09/24/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97060	Phone

09/24/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76052	Web	Older American

09/21/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33705	Web	Servicemember

09/20/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine		Phone

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 96150	Referral

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77036	Referral

09/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IN 47408	Web

09/12/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 42134	Web

09/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91409	Phone

09/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93117	Web

09/09/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07719	Web	Servicemember

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94607	Web

08/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93065	Referral

08/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90620	Phone	Older American