Jana Ferrell & Associates LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
I currently have an entry on my XXXX, XXXX, and XXXX credit reports under the name Jana Ferrell and Associates. This is a collection agency that is attempting to collect {$440.00} on behalf of the original creditor, XXXX XXXX XXXX XXXX. The original debt was created in XXXX. This is also the year that the last payment was made on the debt. However, according to XXXX, their records reflect this to be XXXX, which is incorrect. The original entry was removed from all of my credit reports, in XXXX, when the 7 year mark was met. I 'm assuming during this year, the original creditor sold the debt to Jana Ferrell and Associates collection agency. The new entry on my credit report list the date the account was opened as XXXX XXXX, XXXX. I disputed this several times with all credit bureaus and the determination has always been to leave the entry on my reports. This last time that I disputed the entry ( XXXX XXXX ) and it remained, I took it upon myself to contact Jana Ferrell and Associates. I spoke to a man who was extremely aggressive and vulgar in the way that he spoke to me. He was aware that I have disputed the entry and told me to " just pay the debt. '' I explained to him everything that I have explained here in this message, and he informed me that the " clock '' on the debt was reset and reported to the credit bureaus in XXXX XXXX because I made a payment to the collection agency. I informed him that I do not recall doing so. I asked him to provide me with some sort of documentation proving that the debt is mine and that I allegedly made a payment in XXXX XXXX. He told me " no, '' and said, " I needed to check my bank account. '' Eventually, I could not bear anymore verbal abuse and harassment and him denying me verification of the debt, so I hung up the phone. I then followed up by sending a formal request for debt validation as well as proof that I made a payment to the collection agency in XXXX XXXX, via official letter. I sent this on XXXX XXXX, XXXX and according to the USPS tracking number, it was received by the collection agency on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have not received any mail from the agency. There are two ( 2 ) to three ( 3 ) pieces of information that is incorrect : 1. The year that the debt was originally created and the year that the last payment was made. 2. The date the account was opened. As a consumer, there must be some sort of recourse that I can take, other than hiring an attorney to assist. Please help me in receiving verification and proof of this debt 's dates and timelines. I am requesting proof of an alleged payment made in XXXX XXXX as well as proof that I allegedly opened this account in XXXX. I have contacted the original creditor and was informed that all questions regarding the debt would need to be directed to the collection agency as they have sold it and are no longer reporting the debt. This is impossible when the collection agency refuses to provide me with proof. I feel like I am being sent in circles, as the credit bureau can only report the information that the collection agency provides. Regardless of the outcome, NO creditor should ever be able to speak to a consumer the way that the representative for Jana Ferrell and Associates spoke to me. There is a way to conduct business and be polite. I understand that it is their business to collect debt, however, some consumers ( like myself ) actually mean well and want to resolve these types of matters amicably.
05/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73109	Web
I offered for a pay to delete settlement, they claim I owe XXXX. I offered to give them {$200.00} and {$50.00} a week till paid in full, and all I ask is that the remove the debt and tradeline name from credit report, they refused the offer. XXXX is the first collector I taked to who state that the FCRA would not allow them to remove the account, but he would have me talk to his superviser XXXX, who tried stating that the contract with the credit agencies doesn't allow them to remove validated or accurate accounts, and the FCRA act doesn't let them either, So I called the FTC after I got off phone, the FTC told me that they are wrong there is no federal law that stopes account from being removed from credit reports even if they are Validated, The FCRA just state if you report to credit reports it must valid and accurate, I Then contacted XXXX, and XXXX and the stated they have no contract that restricts clients from removing accounts from credit reports, creditors can remove accounts or add accounts as the choice, even validated accounts, the only requirements is that they report so many accounts to use the system, that to keep the creditor from removing accounts in a contract would violate federal laws. and they don't use contracts, it a user agreement and XXXX sent me a copy for my review, so my offer still stands but I want it in writing from you that upon completion of paying you off you will delete you tradeline name, and I don't want XXXX or XXXX on this because they already started with lies, they said it was recorded so feel free to listen and send me a transcriped of the call, you can email me. thanks
01/27/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OK 73071	Web
My name is XXXX XXXX XXXX, SS # XXXX. I have a problem that I am learning how to take care of by contacting you. When I was XX/XX/XXXX years old I had a car wrongly repossessed. I made my payments in cash in the drop box of XXXX XXXX XXXX XXXX because my work hours. It never occurred to me at that time that someone could take my money and not apply it to my account. I didn't even know it was going on, until they came to repossess my XXXX XXXX pick up truck. I did not know what to do at the time or how to seek help. Now I am married and have a child and am trying to prepare myself to purchase my first home. I just learned that this was on my credit report and that I need to figure out what to do. I am hoping that either XXXX XXXX XXXX XXXX has some kind of record of this or the employee that may have taken the money, OR that if it was mis applied and possibly of record some where in holding and maybe because I paid cash I may not have properly supplied the correct info to apply it properly. Can you help me? I don't know where to begin. Because it was always cash I have no proof other than providing you a detailed explanation and hope that they have some kind of record even if its a fired employ during that time period. I don't remember my account open date, but the collection account took the account in XX/XX/XXXX for the amt of XXXX. Mine and my wife phone number XXXX ( more info collection company name is XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX in XXXX, Oklahoma. Let me know if you need something else.
02/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77385	Web	Servicemember
Right around XXXX 2020, I received an alert from my XXXX XXXX saying I had a collection. I was immediately taken aback and surprised as I have never received ANY notice to this. It was a {$100.00} charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have never received a call, email, or letter. This balance had been paid by my father when it was due. I had to find the number of this collection agency and explain to them that I had this debt. I decided to just pay it just in case. They took my card information and only charged me {$30.00}. This was on XX/XX/XXXX, I had to call multiple times to get this collection fully paid. FINALLY, the full balance was paid on XX/XX/XXXX. I called again to complain. I tried to get more information and explain that this shouldnt have been on my report in the first place. They were rude and dismissive. My father and I have also tried calling the billing department of XXXX XXXX XXXX XXXX XXXX with no answer and no call back. I am very frustrated because my father has paid this bill when it was due and we are unable to get a hold of this company. I am also frustrated because of this were to be a legitimate collection, I never received one notice that Ive owed it. I am an extremely responsible person and never had a late payment or derogatory mark. My credit was excellent until this {$100.00} ( already paid ) collection appeared on my credit. I am trying to buy my very first house and this mark is driving up my rates.
12/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73003	Web
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
08/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73170	Web
I have been trying to work with this agency to resolve an outstanding debt with a physical therapy office. They have refused to verify the debt and never told me they required written request to verify debt until I hired an attorney to resolve the issue. I was never sent any notice by this agency at all - I called them after I saw a collection report on my credit. They told me I could fax in the request, but then refused to confirm whether or not they had received my request. They kept telling me unless they received a written request they refused to verify the debt for which they were ruining my credit. They also changed the amount I owed so now there are two collections on my credit, which is incorrect. Every time I try to talk to them they tell me I am being " combative '' and end the call.
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77493	Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
12/11/2018	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	OK XXXXX	Web
I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor. The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.
07/24/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73160	Web
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any knowledge about this account to be send to a collection agency. The bank never contacting directly about this bill issue.
08/25/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OK 73170	Web
A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.
05/18/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	OK 73159	Web
SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM XXXX ....
12/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73703	Web	Servicemember
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.
05/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web
i am asking them to validate this debt with a signed contract for the amount they are claiming, please forward a contract that has the creditors name, address the amount claiming i owe and my signature. thats the only paper that i will except as validation, its also all the courts will except as proof the debt is mine. you can upload that through this site. if you dont or cant this will be my final notice prior to file suit in XXXX XXXX courts.
03/29/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	OK 731XX	Web
Collection account was deleted from Jana Ferrell and associates on XX/XX/2017 the same collection account was added back on XX/XX/2017 which made my score drop
12/22/2023	No	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85742	Web

12/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 74105	Web

09/20/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CO 80013	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 73120	Web

02/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73012	Web

12/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73012	Web

12/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73098	Web

12/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73160	Phone

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75050	Web

09/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76424	Web

08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76424	Web

05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75050	Web

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73012	Web

04/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Phone

04/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73065	Web

05/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73003	Web

03/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73049	Web

01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73083	Web

07/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73120	Web

12/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73012	Referral

09/14/2018	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	OK 73069	Web

04/04/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 66762	Referral

12/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73036	Referral

08/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22601	Web

08/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 74135	Web

02/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OK 73025	Web