LTD Financial Services, LP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30252	Web	Servicemember
I received a phone call on XX/XX/XXXX from LTD Financial which was the first contact I had with this company, I had never spoke with them or received any other type of contact prior to this. They stated I owed XXXX XXXX XXXX a total of {$2500.00}. I asked them what this amount was for and she broke down the amount she said I owed XX/XX/XXXX rent of {$850.00}, XX/XX/XXXX utilities of {$99.00}, XX/XX/XXXX renters Insurance of {$10.00} XX/XX/XXXX late fees of {$200.00}, XX/XX/XXXX rent of {$850.00}, XX/XX/XXXX Utilities of {$99.00} XX/XX/XXXX renters insurance or {$10.00}, XX/XX/XXXX late fee of {$200.00} and an eviction fee of {$250.00}. I let her know I was disputing this debt due to the amount being wrong as I was never evicted I moved out on XX/XX/XXXX and was only willing to pay for what I owe because XXXX XXXX XXXX moved another person in my apartment and no eviction was ever done and no final bill was ever sent. Once they moved that new person in I was no longer responsible for the debt for the rest of my contract because they broke it by moving someone in before the eviction process was done. I told her I was willing to pay a portion of it but she said she could not go that low I let her know to get back with me when she can and also let her know before I pay any amount I will need for her to confirm with a final ledger from XXXX XXXX XXXX and proof they are allowed to collect as I was not going to pay anyone money over the phone without first confirming who it is and the amount. I asked her if she could email me the ledger and proof she said she could not but she would be able to mail it to me.but it would take 30 days for them to receive the ledger and another 7-10 to mail it out to me. I let her know I would wait to receive the ledger and then would call to discuss it with her. She then let me know she did not have a address for me and would need one which I thought was strange because XXXX XXXX XXXX had my mailing address as I never used there mail or address on anything. I gave her the updated address and she said she will request it and also said during this time they can turn me into a creditor as well as keep calling me until settlement was made I let her know not to call anymore until she can prove the debt. On XX/XX/XXXX I received another phone call from LTD Financial asking to settle the debt I told her I was still waiting on the ledger before I was going to talk with them. She stated I refused to give my address to them and refused to settle my debt. I let her know I already requested the ledger and proof of debt but I would be more then happy to provide my address once more. She said she would request the ledger because it has not been requested. I told her I did not want to receive anymore phone calls until the ledger was received she let me know during this time it would negativity impact my credit and they would keep calling. On or about that same day I received a letter from LTD Financial which was dated forXX/XX/XXXX and postmarked for XX/XX/XXXX asking me to notify them within 30 days if I wish to validate this debt. I sent a letter via certified mail on XX/XX/XXXX to LTD Financial letting them know I was disputing the debt and also wanted them to validate it. It was delivered on XX/XX/XXXX at XXXX XXXX to the front desk. After sending this letter I received a phone call from a man working with LTD ho was very rude and demanding payment be made I let him know I already requested the ledger and sent a letter trying to validate it and he stated I was refusing to settle and this would negatively impact my credit I told him to not call me again until I receive proof. Since then I have received about 2 - 3 phone call from LTD but did not answer as I had not received anything from them. On XX/XX/XXXX I had a notification from XXXX XXXX letting me know my score dropped by 13 points because LTD Financial put it on my credit and I still had not received the proof I asked for. I then made a call to LTD Financial and left a message asking for a call back cause I was very upset. On XX/XX/XXXX they called back and asked how I wanted to settle my account. I told her I was still waiting on the ledger I sent a letter and they received it asking to validate the debt and still have not receive anything. She said they never received my letter until XX/XX/XXXX even though I have certified mail showing they received it on XX/XX/XXXX. I was upset because it has been 2 - 3 months since requesting proof. She stated this was a courtesy call to let me know my case is being handed over to management since she sees where I sent a letter requesting it. I told her its very concerning how they received my letter over a month ago and now are just doing something about it because I called. I am very upset at how this has been handled and now my credit has been impacted when I let them know I would have no problem paying as long as the amount is correct and we can settle on a number but I cant do that until I receive proof. I will be sending another letter to them with a copy of the first and letting them know I still have not received anything from them.
07/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48377	Web
XXXX XXXX I suffer XXXX XXXX XXXX from unwanted XXXX received in XXXX. This is why everything is in writing. I hope it helps. In addition, my life is hard enough without this company messing the only thing that was good in my life. I lived in an apartment owned by a slumlord. I had bees for months he did not take care of. I called the city ; he slapped an eviction notice on my door. In Michigan, any eviction or non-renewal of a lease within so many days is illegal and called retaliatory eviction. This is important because I sent slumlord ( XXXX XXXX ) 2 court summons by certified mail. I wanted my movers fees back, XXXX XXXX refused both letters. I had no real home or internet for months. I thought XXXX XXXX was gone for good. Until I get an email from XXXX XXXX saying, my score dropped. Now I am angry because I know XXXX sold this debt to LTD Financial. I do not know about any debt. XXXX XXXX never sues me for anything. They had 2 chances to meet me instead XXXX takes a cheap shot and does the LTD Financial. PLEASE get them off my credit record and out of my life. I am sending docs to verify all. Name of Company : LTD Financial and XXXX XXXX PLEASE. Please remove LTD Financial from my credit report for the following reason : 1. I have never done business, entered into a financial contract, heard/seen of this company, until I was emailed by XXXX XXXX. I assume LTD Financial is 3rd party creditor for XXXX, the name recognized on report. 2. XXXX XXXX ( XXXX XXXX ), also listed on report, 1st party collector is the company I rented an apartment from XX/XX/XXXX - XXXX/XXXX/XXXX. I do not owe XXXX money ; therefore, am not paying a company I know nothing about one cent. Backstory : XXXX Moved into filthy, old XXXX apartment / Documented on Move-In Inventory & Condition Form. ( attached ) XXXX Emailed management about mice infestation, smoke film, carpet wasnt new ( fraying/separating ) etc. ( attached ) Enclosed are reviews of other tenants and photos of complex. All backup my statement of building in dire need of renovations, dirty, management doesnt take care of, management lies and takes your money etc. The worst apartment ( they didnt get back your deposit ) Old and needs renovations Its a bee, spider infested dump XXXX After XXXX failed to properly take care of multiple issues and ignored seriousness of bee infestation, I called City of XXXXXXXX, XXXX XXXX ( f/u email attached ) XXXX Received Notice To Quit and forced to vacate my apartment by XXXX. Any eviction/non-renewal of lease after tenant contacts governmental body / asserts their rights is illegal in Michigan and called, retaliatory eviction.. Credit Report Dispute File : XXXX Sent two summons to XXXX to reclaim moving costs etc. XXXX XXXX refused/dodged both. ( attached one copy ) XXXX Sent XXXX/XXXX email requesting the prior tenants checkout inventory list ( third time ). Never received it. I want XXXX to prove damages. I received nothing. XXXX Received email from XXXX XXXX inquiring about account added to my credit report. My Good credit takes a nosedive??. Disclosure : I suffer severe brain trauma from abuse in XXXX. Therefore, I experience difficulty with memory and cognitive skills. This is why I have everything in email. I do not think I left anything out to sufficiently dispute this, if so, please give me a chance to fix/correct it. XXXX XXXX NEVER provided ME a hard copy move out checklist of tenants prior to my tenancy. My move-in check list verifies the apartment was dirty/old upon move-in and I questioned the carpet ; whether it was even new in another email?? I immediately experienced an infestation of mice who defecated everywhere. The money XXXX XXXX claims I owe could have been obtained easily at court. I tried serving XXXX two times. It was dodged. XXXX is claiming a debt the was never validated or proven, and not ordered by a judge ( he had the chance, twice ). XXXX/XXXX XXXX refused to confront me in court because he : 1. Illegally evicted me 2. Can NOT prove I owe him anything ( b/c I DO NOT ) ** Instead, XXXX XXXX sold this bogus debt to LTD Financial and they MESS UP my entire credit report. Which, I am proud to say was good until now. I may not have much but I paid my bills on time. PLEASE, PLEASE remove LTD Financial and wash this debt off my report. I do not owe either company one cent. Thank You. I will file another claim for XXXX XXXX but it will have all the same documents etc. Sincerely, XXXX XXXX XXXX
07/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31021	Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for LTD Financial Services in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
05/01/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	PA 15202	Web
I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. My whole life I have also struggled with XXXX. My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, XXXX, XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX at a XXXX in XXXX, that I began to have a XXXX. I was XXXX, XXXX, XXXX, XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended medical leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have medical documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the American economy by doing things like buying a home, buying a new car, etc. It is my right as an American to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened as a result of a XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered a XXXX in my XXXX, and it is a direct cause of me being delinquent on my loans in the first place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and God bless.
01/26/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80003	Web
The basic complaint is that the property manager did not provide a legally acceptable unit with livable conditions and did not rectify the situation in a timely and legal manner. The events are as follows. On XX/XX/2020, we emailed our contact at XXXX, XXXX XXXX, that we found bedbugs. XX/XX/2020 it was acknowledged. XX/XX/2020, six days after the initial complaint was sent, an exterminator came to our apartment to spray pesticides within the home. Two further visits, the last of which came on XX/XX/XXXX, one month after the initial complaint, did not satisfy the bed bug problema and it continued to persist causing extreme emotional and physical problems. According to Colorado Law 38-12-1002 ( 2 ) : " Not more than ninety-six hours after receiving notice of the presence of bed bugs or the possible presence of bed bugs, a landlord, after providing notice to the tenant as described in section 38-12-1004 ( 1 ) ( a ) : Shall Obtain an inspection of the dwelling unit by a qualified inspector. '' This is a clear violation of the law as more than 96 hours had elapsed. A full week had lapsed with my family living in a health and safety hazard. In addition, the bed bug problem was not sufficiently resolved, as multiple extermination sessions were placed causing extreme inconveniences for not only ourselves, but our pets as well. Furthermore, the exterminator advised us that the building ( not our unit specifically ) was dealing with a bed bug problem for quite some time. He did not reference a specific date, however, considering we just moved in a few weeks prior, we took this to mean longer than two weeks. After hearing this information, I sent another email to the leasing office dated XX/XX/2020 requesting eight months of history regarding bed bugs in our apartment. This information is legal requirement per HB 19-1328 in which : " A landlord shall not offer for rent a dwelling unit that the landlord knows or reasonably suspects contains bed bugs ... .Upon request from a tenant or a prospective tenant, a landlord shall disclose the last date, if any, on which a dwelling unit being rented or offered for rent was inspected for, and found to be free of, bed bugs. '' I received no response to this email until eighteen days later from XXXX XXXX that there are no prior records in our apartment, nor any other apartments. This contradicts what we heard from the exterminator. We conclude that the landlord did not comply with state law and get an inspection done within the required 96 hours while also providing substandard and ineffective resolutions. Therefore, in the interest of the health and safety of my family, and at great personal cost, I terminated our lease and moved out. Now the property manager and ltd financial services are trying to collect a debt that we find to be illegal.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90241	Web
LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... Clearly, this appears to be a company attempting to scam consumers.
07/16/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30052	Web
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
07/16/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30052	Web
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
06/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34479	Web
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LTD ACQUISTN XXXX 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 LTD ACQUISTN XXXX 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, FL XXXX
05/17/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 14760	Web
I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.
07/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60090	Web
XXXX XX/XX/XXXX - I terminated my lease with XXXX XXXX XXXX XXXX for their property on XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX On the same day I was sent an invoice for lease breakage via mail which I paid via a cashiers cheque. I have email of the invoice, payment receipt as well as the scanned copy of the paper receipt. XX/XX/XXXX - The company 's leasing agents started calling me demanding extra money without providing me with an invoice or any explanation of why the additional money was requested - I sent them details of payment made and requested for a refund of my security deposit - no response from them. XX/XX/XXXX - XXXX again call me without providing either any amount or any invoice or any basis of charging me XX/XX/XXXX - I send a notice via registered post as well as email - demanding either a refund of my security deposit or a statement of my accounts due to me as per Colorado statutes from XXXX ( Post sent to their authorized representative Mr. XXXX XXXX at their registered address in XXXX ). XXXX still did not provide me a statement of my accounts to me as requested or a refund of my security deposit XX/XX/XXXX - I notice a significant decline in my credit score and upon checking the report find that a debt collection agency named LTD Financial ( XXXX XXXX XXXX ) have placed a negative account charge on my credit report - without contacting me, either via phone, or post or mail or providing me with any proof of debt as per fair debt collection practices act XX/XX/XXXX - I raise an investigation with XXXX on the negative charge and send email notice to LTD financial at the registered mail address on their website ( XXXX ) Thus XXXX demanded payments without providing an invoice, without providing any evidence of debt owed, shared my personal information with debt collection agencies without my consent. LTD Financial placed a negative account charge on my credit report, damaging my credit score without making any attempts to contact me or provide me any evidence/information of debt owed as is required by Fair Debt Collection Practices Act.
03/17/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37403	Web	Servicemember
In XX/XX/XXXX, my adopted daughter needed an apartment near to where she was attending college. We selected an apartment complex and management company named " XXXX XXXX '' in XXXX, TN. The management company required that I be a co-guarantor for a period of 1-year because my daughter ( XXXX XXXX ) had no established credit history. After one year, the Leasing agent informed me that I would be " automatically removed '' as a co-guarantor. No action on my part would be required after her 1st anniversary. However, to the contrary, XXXX XXXX did not remove me from their database. Subsequently to her lease anniversary, my daughter executed upon her own accord with the management company, and without my requiring my signature as a co-guarantor, a new lease. My daughter informed me that she had signed for an extension on the second lease she had executed. However, I would continue to receive emails about her late payment status and other obligations within the lease required compliance. Without success, I have telephone and written letters to the property management company. XXXX XXXX property management continued sending late payment notices. At some point, in an email response, the building manager stated that I am responsible for any successive lease obligations because the initial lease where I became a co-guarantor is " controlling. '' I notified my State 's ( Tennessee ) Consumer Affairs ( housing ) division. The Housing division informed me, the State has no jurisdiction over " private housing. '' On XX/XX/XXXX, I received a " Collections letter '' from " LTD Financial Services, '' of XXXX, TX XXXX. My daughter moved from XXXX XXXX complex in XXXX. She informs me that she did have a damage fee assessment for her dog, but she paid it. In the one year that I did act as co-guarantor, she did not have a dog. Notwithstanding, between letters, faxes, and the time thus far I have spent, in attempts to have my name removed from XXXX XXXX property management database, moreover, delete me as a co-guarantor, has unwarrantedly damaged my credit rating.
12/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85143	Web
I left my apartment on XX/XX/XXXX. It is the XXXX XXXX located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.
06/04/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78109	Web
on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.
10/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NM 87105	Web	Older American
i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX
03/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77494	Web
I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
09/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44685	Web
On XXXX XXXX, I received a letter from LTD Financial Services, claiming a debt in the amount of {$440.00}. I do not owe this debt, I have never had an account with the company they claim to be collecting for. This is a fraudulent collection. I have received several phone calls from this company in the past month in which I have had to ask several questions regarding who they are with before any of the reps would tell me the name of the company they worked for. Upon hearing " LTD Financial Services '' I asked them each to stop contacting me. I was told by every rep that " thats fine, if you wont confirm who you are we dont want to talk to you anyway ''. Of course, I always receive another call. I have blocked the numbers but continue to receive calls from new numbers. The letter they mailed states they will mail verification of this debt. I have contacted the Ohio Attorney Generals Office to report this company as well. There is no verification to this debt. This is a complete scam and fraud. I have never owed this amount of money to any company, creditor or individual. After reviewing their status on the XXXX, where they have not even registered, it seems as though this is common practice with LTD, along with contacting people saying their Social Security numbers are not valid. It seems as though this company prides itself in taking advantage of uninformed people. I would like to file a complaint and report harassment. If this company continues to take this further and attempt any further collection of this fraudulent debt, or take any action to disrupt my credit, I will have no other choice but to seek legal action. Thank you. XXXX
09/14/2018	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	DC 20024	Web
On XX/XX/XXXX, I returned to work from a meeting and the front office receptionist said I had a missed a call from a woman who would not leave a message with her OR on my voicemail. She gave me a phone number : XXXX. I was on my way to another meeting so I couldnt get the full report of what was said, but the woman on the line refused to say where she was calling from and my receptionist implied that it was a debt collector which is embarrassing. Further, I don't owe any debts, so it must be inaccurate. My ID was stolen earlier in the year, and although I was able to recoup my losses from my bank, there are residual effects of my ID being available for all kinds of scams ; I assume this is from that. However, later today the woman called again to my direct line at work. She asked me to verify personal information and I refused because she would not tell me where she was calling from or why. She got increasingly aggressive. Ultimately, I told her that this was a business and if there is a personal or financial issue with me she can not reach me on a business line. About 10 minutes later she called again. It is extremely unprofessional for me to be placed in a situation where I could have a debt collector call my office multiple times a day. It is also not allowed after they have been told by an employer that employees can not receive these kinds of calls at work. Further, since she would not identify herself, it is unclear if this is a real claim of any kind or a scam. I looked up the number online, and it seems to belong to LTD Financial Services which has been sued before for bad business practices.
05/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IN 46254	Web
Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). XXXX XXXX, XXXX. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for XXXX XXXX, XXXX. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692e ( 2-A ). 4 ) 15 USC 1692g. 5 ) 15 USC 1692a. 6 ) 15 USC 1692e ( 5 ). 7 ) 15 USC 1692b ( 2 ). Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692c ( B ). 4 ) 15 USC 1692c ( A ). 5 ) 15 USC 1692b ( 2 ). Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.
06/04/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 01103	Web
I XXXX XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in th e Commonwealth of M assachusetts. In addition, the account balance in question was a corporate account with XXXX XXXX XXXX that was settled through one of my corporations back in XXXX . The account dates all the way back to XXXX , and the matter does not apply to me personally. This organization known as LTD Financial Services, L. P. I re alize that this company may be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with XXXX XXXX XXXX back in XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed. LTD Financial Services L. P. acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not onl y LTD Financial Services, L.P. , but by XXXX XXXX XXXX as well. This account information and any reference to XXXX XXXX has no personal connection and needs to be purged permanently. LTD Financial Services L. P. i s in strict violation of my rights under the Fair Debt Collection Practices Act and Commonwealth of M assachusetts General Law.
06/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web
I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services. First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! Sincerely, XXXX XXXX
08/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30045	Web	Older American
On XXXX XXXX XXXX, I received a letter from LTD, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a XXXX XXXX XXXX agent. We informed both the XXXX XXXX XXXX and LTD that we did not have a XXXX XXXX XXXX card, neither did we ever give permission for this collection agent to enter our account. LTD has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX County Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Since I was unable to submit the actions of XXXX XXXX XXXX 's relative to the collection agency LTD I am submitting a second request. Although XXXX XXXX XXXX has withdrawn itself from my credit reports, XXXX XXXX XXXX has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been very XXXX -- including XXXX XXXX. I thought I had excellent credit only to find out someone had stolen my identity.
11/06/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 32514	Web
LTD Financial Services is continuing to contact me to attempt to collect on a XXXX Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXX To : XXXX CC : XXXX ; XXXX Date : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX : Card Services, XXXX. vs. XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX back on XX/XX/XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX The account has also been reported to our client as settled. Please let me know if you need any further information. Sincerely, XXXX. XXXX, XXXX. XXXX XXXX, Virginia XXXX * : XXXX XXXX : XXXX, ext. XXXX : XXXX XXXX fax XXXX XXXX in XXXX and Maryland XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. LTD Financial Services has not communicated with me to resolve, only to continue to collect this paid debt.
10/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07731	Web
XXXX is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe Asset Advantage Co. They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. XXXX XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report
12/11/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 90241	Web
LTD Financial Services ( the same company I filed a complaint against noted in complaint number XXXX ) continues to contact me. They responded to the former complaint and informed XXXX that they have stopped collection activity. LTD Financial Services has since sent me a letter dated XXXX XXXX, 2015 ( see attached ). As I 've noted in the prior complaint, I contacted XXXX and confirmed they are not pursuing recovery. In addition, the information provided in LTD 's former letters is not valid contact information for XXXX. I also note, the XXXX XXXX, 2015 letter has a different telephone number than their previous correspondence to me however the letterhead has the same address and fax number. When I called to inquire why is LTD contacting me. The representative ( XXXX ) attempted to collect verifying information such as my SSN and date of birth before she would proceed with the call. I advised I would not provide that information however she was persistent requesting the information and would not respond to my question, why were they contacting me. I advised I would be filing another complaint and terminated the call. LTD alleges to be collecting on behalf of XXXX. I previously spoke with XXXX and they have confirmed they are not collecting a debt. This appears to be a company phishing for information and they do not legitimately represent XXXX.
12/01/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 31404	Web
In late XXXX early XXXX I was contacted by XXXX XXXX for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to LTD Financial services for reconciliation. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.
06/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07860	Web
There were not options for me to pick the correct complaint. I had a debt charged off XX/XX/2019 for XXXX XXXX, The XXXX XXXX XXXX It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in 2019 and apparently it went to LTD Aquisitions, then in turn sent it to XXXX XXXX XXXX. This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score XXXX points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you
11/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43026	Web
LTD ACQUISITION LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To : The office of Registered Agent for LTD ACQUISITION LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. Govern yourself accordingly By : XXXX XXXX XXXX
10/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85016	Web
This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
02/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX XXXX. I spoke with a XXXX ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who LTD FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who LTD FINANCIAL SERVICE is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX XXXX UNVERIFIEDXXXX/XXXX XXXX UNVERFIED
07/28/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80023	Web
We helped to rent an apartment for our friend at XXXX XXXX. They left the apartment before the lease ended because they had a Family issue and needed to move back to Ohio. They didn't have the money to pay the fee the apartment charged breaking up the lease. So i know i was responsible because I was the one who actually signed the lease. We didn't had the {$1600.00} to pay either at time so I called XXXX XXXX if we can set up a payment plan. They told me they will reach out because their Corporate Office handling it. I called back several times. They gave me the Corporate Office phone number and email. I try to call many times and emailed them too. Nobody called and emailed back. Months went by and like several month later I saw the collection on my report. I have called the collection agency explaining the situation nobody gave us a chance to set up a payment plan. They have not sent us notice of the debt, a right to dispute it, or negotiate and we would like this resolved one way or the other and to have it off my report since i tried to do everything possible to arrange payment so it wouldn't be put on my report. i have tried disputing it with the credit bureaus.
10/25/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	KS 67502	Web
I first received a call from LTD in XXXX concerning a debt from my last rental property that was sent to their collections. The first call i received I was harassed by someone who stated they were a lawyer and would force me to live in the projects if i didnt pay the amount owed. After repeatedly asking for proof of the debt, they said i had to get it from the property, the property said it was sent off to LTD and they no longer had it. After 4 months i get an itemized statement showing outrageous charges ( amounts that didnt make sense ) for cleaning, damage etc ... called to try and resolve the debt after, never heard anything back. My wife finally called on XX/XX/XXXX to resolve the debt, was sent to voicemail and never heard anything. I called today, XX/XX/XXXX and the phone was picked up, however noone answered. I could faintly hear in the background people talking saying if they dont have job/money move on to the next as well as people mumbling, smoking, and coughing in the background. I do not believe this business is legitimate and they are scammers. According to XXXX reviews we are not the first to have this issue.
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80011	Web
There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. XXXX XXXX - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan LTD FINC SVC Past due : {$3800.00} Collection/ Chargeoff
09/19/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35803	Web
On XX/XX/2018, XXXX XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.
11/15/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 67502	Web
I submitted my first complaint against LTD financial services on XX/XX/25 in hopes to come to an agreement on this debt. I requested an accurate summary of charges and was only sent a move out statement. I was not satisfied with the response so I contacted the original creditor on this matter and was told that LTD would have an itemized list of charges for what the damages and cleaning fees were for. LTD financial services refuses to give us this list and I believe the chargers are incorrect. I would be happy to pay my debt if anyone was willing to give me the itemized list of charges for the " Damage fees '' and the " Cleaning fees. '' I do not think it should be too much to ask to see what I am paying for. This is what I have been asking for for nearly 2 years now, XXXX XXXX XXXX have been very helpful in helping me find the information that was available to her and for that I am appreciative, however I seem to be hitting a brick wall with LTD Financial Services. When I ask for an itemized list for the next ( third ) time, I expect to receive just that. Not a move out statement ... Again. Thank you.
06/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32114	Web	Servicemember
I noticed a collections account placed on my credit on XX/XX/2021. The debt was initially placed with LTD Financial Services on XX/XX/2021. I received no notice of debt, and I did not receive a right to dispute said debt. Since I've been made aware of this errant collections account I've sent letters to LTD Financial requesting the removal of the account, a debt validation letter, a Cease and Desist, and any correspondence signed by me licensing LTD Financial with ownership of said debt or contractual obligation with LTD Financial. Since LTD Financial has received the Cease and Desist letter demanding a cease in communication with me through any and all mediums the collections agency has called my personal cell line ( XXXX ) XXXX XXXX almost daily. This is in direct violation of 15 U.S. Code 1692c which states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. ''
08/23/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 07731	Web
In XXXX I was under XXXX XXXX, All credit cards were paid and closed - any balances unpaid were charged off. I also was sick again in XXXX and had XXXX XXXX in XXXX. I have many medical bllls. I also am a single parent of XXXX dependent ( students ). Mortgage in modification, car was repossed although breach of warranty claim filed in XXXX. I have an active lawsuit with XXXX and XXXX against a NJM driver. I was injured on XXXX XXXX XXXX. My car never worked and I could not walk for over 8 months. I lived with the consequences of credit destroyed. Issue is years later I am just making it pay to pay. and BARELY. Some weeks we have no groceries and all medical work with me - utilities have gone up mortgage too taxes - given. Out of nowhere all OLD CHARGED OFF balances haunting me. XXXX XXXX and XXXX XXXX XXXX XXXX. I reached out saying NO not then NOT NOW. I cant pay charged off balances. I can barely make my XXXX follow up - rescheduling constantly as I don't have CO PAY. PLEASE MEDICAL HARDSHIP is ONGOING, Please cease all.
09/16/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60510	Web
On XX/XX/2020 I received a letter from LTD Financial Service XXXX XXXX regarding a debt owed to XXXX. I subsequently sent them a debt validation Letter on XX/XX/2020. On XX/XX/2020 at I received a call at which time I informed them that I sent in a letter requesting debt validation and told them not to call me until they received and responded to the request. On XX/XX/2020 at XXXXXXXX XXXX and XX/XX/2020 at XXXXXXXX XXXX I received calls regarding the debt and the individual was very rude on the phone. In addition to the above mentioned calls, I received another call on XX/XX/2020 at XXXX. This violates multiple sections of the Fair Debt Collection Practices act. Specifically calling after they have been asked to stop and also attempting to collect a debt until they have satisfied my request for debt validation. LTD has been repeatedly sued for violations of the FDCPA with these exact practices. I am entitled to request in writing debt validation under the FDCPA.
01/18/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	KS 67211	Web	Older American, Servicemember
I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.
06/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35603	Web
CHAPTER XXXX WAS FILED XXXX / XXXX / XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XXXX / XXXX / XXXX . APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM LTD FINANCIAL S ERVICES XXXX , XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM XXXX CREDIT CARD. I MAILED LTD AND XXXX COPIES OF THE FILED CLAIM FOR XXXX AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH XXXX AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX , IN FACT IT LISTS XXXX AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY LTD AND THE UNDUE XXXX XXXX XXXX THEY ARE CAUSING ME IS UNNECESSARY.
10/19/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 90043	Web
I received a call from agent XXXX XXXX at XXXX XXXX on the XXXX of XX/XX/XXXX. He stated that he works for LTD Financial Services Limited Partnership and the call was to collect a debt of {$510.00}. I allowed XXXX XXXX to speak until he was finished and I stated : " I'm not working and can not make any payments at this time ''. XXXX XXXX goes on to say " well your last payment was in XXXX of XXXX, and that's before Covid 19 so you're not being affected by that ''. I explained that " I didn't say or ask that '' and he said " well its the true and I'll have to make note of it ''. My personal thoughts are never said and I believe the agent had no right to state his. Covid 19 affected my search for employment just as it has done thousands. I'm not using excuses but stating facts and before then he has no idea why I was out of work. I would like for this company to stop contacting and not contact my family and friends. Thank you and stay safe XXXX XXXX
12/15/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	NY 14111	Web
COLLECTION NOTICE SENT TO MY DECEASED MOTHER IN LAW WHO,PASSED AWAY 12 YEARS AGO,THEN FORWARDED TO MY UNCLE WHO WAS THE EXECUTOR OF HER WILL, HE IN TURN GAVE THE NOTICES TO US (PARENTS).NOW OUR ENTIRE FAMILY KNOWS OF THE DEBT. THIS COLLECTOR , XXXX( HIS NAME AT THE LTD AGENCY HAS BEEN TOLD SEVERAL TIMES THAT MY MOTHER IN LAW HAD DIED, YET SENDS TWO NOTICES TO HER . MY PRIVACY HAS BEEN INVADED, NOW I AM APPALLED THAT MY UNCLE AND HIS FAMILY AND XXXX KNOWS WHO ELSE KNOW ABOUT THIS DEBT.PERHAPS IF XXXX WAS WILLING TO WORK WITH STUDENTS ,THEY (XXXX) WOULD NOT HAVE SO MANY ACCOUNTS IN COLLECTIONS. XXXX NEEDS A COURSE ON PRIVACY LAWS & REGULATIONS. WE HAVE CONTACTED AN ATTORNEY AS WE ARE SICK AS XXXX OVER THESE RIDICULOUS NOTICES ,AND THE FACT THE REST OF OUR FAMILY KNOWS ARE PERSONAL BUSINESS !! PLUS MY HUSBAND IS RECOVERING FROM A XXXX ACCIDENT AND DOES NOT NEED THIS ADDITIONAL STRESS .THANK YOU XXXX YOU XXXX, MERRY CHRISTMAS TO YOU!!
11/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78250	Web
I had a line of credit loan with a bank which I got behind on. It got turned over to LTD Financial Service Debt collections. They called and asked me to get another loan to pay XXXX % of the debt. They said if I did n't they would sue me and according to the terms of my original loan I would be responsible for all the layers fees. I could not get a loan but plan to get a XXXX job. LTD Financial offered to take a large payment followed by regular monthly payments. I said that would work as soon as I started the XXXX job. They asked for my bank account number to make automatic drafts. I asked for this in writing and they refused and again said they were making the offer as a good faith effort to avoid litigation. I refused to hand over my bank account without a written agreement. LTD Financial then started calling my wife at work and telling her I was being uncooperative and she had to work with them. I plan to get an attorney.
03/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AR 72034	Web
XX/XX/XXXX, A phone call was placed to LTD Financial Services in dispute of a debt collection in amount of {$13000.00}. Representative stated that all my information matched and said that the account is with XXXX XXXX or XXXX. I asked Representative how they obtained my current address and they stated, It was on the application when you applied back in XXXX. I did not live at this current address during XXXX so that is false. I asked representative in regards to this account who was I supposed to pay. Representative states You pay us, So how much are you going to pay on the account today. I answered Nothing. I ask Rep for a copy of the recorded phone call and he replies We dont give copies etc. Representative then states well we have to get the information to prove this is your account, we shave to establish that this is actually your account. Representative said this was for an auto XXXX in which, I do not have. Call ended.
06/03/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 90660	Web
I called today XX/XX/2021 to update my mailing address to start getting letters about the debt owed. I updated he address and made it clear I wanted to see it in writing. I was then read a legal verbiage script about a Hardship Relief program they have. The legal verbiage was read at super fast speed, and I understood nothing and made that clear to the representative XXXX. I asked hi to slow down and re-read and still I did not understand so I ended the call asking for the communications in mail. I called again because I wanted information on the Hardship relief its terms and conditions in writing along with the legal verbiage given to me by XXXX. Spoke with XXXX XXXX who completely ignored my request on purpose. I want the calls listened too as it obvious they broke the law bu denying me what I was requesting in writing. They are breaking the law and it make it difficult to deal with these agencies.
06/01/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	DC 20001	Web
I 'm actually the third party in this case. I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.
10/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50314	Web
On XX/XX/XXXX, I faxed over Documents to the debt collector ( LTD Financial Services ) ; They are located at XXXX XXXX XXXX # XXXX, XXXX TX, XXXX. This company is trying to collect a debt that is not owed. On my XXXX credit report ; it says that they are the original debt collector. It has caused damage to my credit rating and I would like to have it removed. XXXX will not remove it stating the company says its accurate although it is not. I would call this a fraudulent civil matter. I have provided them with legal documents that states it has been Dismissed with Prejudice from the XXXX county Court at XXXX XXXX XXXX. The court telephone number is XXXX and my case number is XXXX Div : XXXX XXXX. The Judgement has been signed on the filing date of XX/XX/2017 by " XXXX XXXX XXXX '' the Conty Court Judge. The filing ID is XXXX. The amount they are trying to collect is {$1900.00}.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75241	Web
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX or XXXX could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. XXXX_ 2nd complaint with LTD Financial Services XXXX XXXX XXXX can not verify or show proof that this account belongs to me. Please Delete.
08/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20748	Web
I had 2 credit cards with The XXXX XXXX XXXX, one was charged off and I paid it off immediately. The other credit card I had with The XXXX XXXX XXXX I paid it off closed it myself. This collection agency LTD ACQUISITIONS LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX has no claim against me and can not continue to put false information on my credit reports. They must be forced to prove exactly where they are getting their information. I do not owe The XXXX XXXX XXXX any money and if I did I have plenty of resources to pay them off immediately. I am about to purchase a house and this is a hardship to me. I have disputed this countless times, I have also tried to call LTD Acquisitions and no one ever answers the phone. I don't know what else to do to get their attention so they can address this matter and correct it.
07/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web	Servicemember
The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt Collection Practices Act have been blatantly violated by this unknown company. The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}
06/08/2018	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84341	Web
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail. On XX/XX/XXXX a phone call was received from a phone number, ( XXXX ) XXXX, listed to LTD Financial Services, and no message was left.
01/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85712	Web
I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.
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.
12/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80909	Web
I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.
12/10/2021	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90063	Web
XX/XX/2021 LTD FINANCIAL XXXX XXXX XXXX called my daughter on her cell phone he started to tell my daughter that i have a debt and that it needs to be paid he gave he the dollar amount and was telling her that I need to pay the debt. He is calling her everyday and leaving messages but not leaving a phone number. In the messages he address that card information the amount that is owed. I spoke to a XXXX today to explain that this XXXX person has validated my privacy by given a lot of my information to an other person. He panicked and started to say that my daughter address herself as me XXXX and she told him NO SHE DID NOT he did not give her a chance to answer to just started talking. i TRIED TO MAKE A RESOLUTION BUT THEY DID NOT AGREE.
03/31/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90250	Web
Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.
02/25/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75482	Web
This company, LTD financial Services, repeatedly calls me and hangs up. I have asked for information about the supposed debt that they are collecting, which I do not believe exists, but they will not give me that information unless I give them an address so they can inundate me with mail, as well as personally identifiable information of mine such as my social security number. I will not -- under any circumstance -- be giving out ny social security number over the phone to a company that will not even give me the courtesy of explaining what the reason for contact is. I have asked them to stop calling me, but they continue to do so, calling and then hanging up if I answer the phone. The latest such incidence was today, at XXXX.
09/09/2015	Yes	Credit card	Billing disputes	VA 22191	Web
Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.
01/05/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	IL 60659	Web
I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.
05/21/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	NH 03833	Web
LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.
10/20/2021	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32807	Web
XX/XX/21 XXXX XXXX - LTD Financial Services called apparently with a robo-dialer because when I picked up the phone, it was playing a radio broadcast. I said hello multiple times and no one was there. The radio broadcast continued for over a minute until I heard someone physically hang up the phone. I called back. They refused to tell me why they called me unless I gave them the last four digits of my social security number. The supervisor said they would need to call me back to verify my identity to tell me why they were calling. I gave her permission to call me one time to tell me why they were calling me. She said she would but never called me back.
03/21/2018	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	LA 71105	Web	Servicemember
LTD Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Texas XXXX is reporting false information on my Credit Report. I also checked on the Texas Secretary of State website and according to Section 392.101 of the Texas Finance Code, it prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. LTD Financial Services is not listed. Why is this company breaking the law and ruining my credit? Please have them remove these negative listings on my credit report.
06/08/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84341	Web
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.
03/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91709	Web
On XX/XX/XXXX I sent a letter to LTD Financial Services to validate the debt they assume I owe to their company. They have been reporting to my consumer since XX/XX/XXXX I never enter into any kind of consumer contract, they could not provide the validate the debt, they fail to report the dispute to XXXX FDCPA Section 807 ( 8 ). This has cause me a lot of pain and agony, do to them reporting toXXXX this on my consumer report This defamation of character, I had to live in a hotel for 2 months with my kids because I was getting denied for apartments it was very expensive and stressful. I had to pay a higher deposit with and find someone to co-signer.
12/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 38670	Web
On XX/XX/XXXX XXXX I received a response regarding another complaint at which I submitted about this company. It stated they will stop all attempts to collect until proof of debt is provided. Proof has not been provided but the debt is still attempting to be collected. Once on XX/XX/XXXX at 2021 at XXXX and once again at XX/XX/XXXX at XXXX am. I do not owe this debt. This debt has been paid and has been reported as such to XXXX XXXX by XXXX XXXX the company whom LTD financial is claiming to represent. The debt was paid as agreed and I gave bank statements and a copy of the report submitted by XXXX to XXXX. This company continues to harass me.
04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94589	Web	Servicemember
I received a letter dated XX/XX/22 from XXXX XXXX and I gave the a call asking for a debt validation. I was told that in order to send this out I needed to provide the last for of my SSN or my date of birth after I gave the ref # to them. I called again on XX/XX/22 a at XXXX after calling more then XXXX times and each person I spoke with told me that is needed to provide this information to them in order to validate. I sent them a letter on XX/XX/22 asking to verify this debit as well. They are listed as the buyer if this debit on my credit report as well on XX/XX/22 after they sent me the letter on XX/XX/22.
04/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75115	Web
In a good faith effort to resolve the matter amicably, I must demand proof of this debt as I know I owe your company no money and no debt it owed or has been fulfilled in full, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. If this can not be provided ASAP, please deleted these accounts from all 3 credit bureaus immediately. Please also provide a letter on your company letterhead stating that this account will be delete, and upload to CFPB portal.
02/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NH 03246	Web
I received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.
12/28/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NE 68008	Web
This matter involves an account initially handled by XXXX and assumed by XXXX. I was trying to work this out with XXXX when they referred it to LTD Financial. At one time both were trying to collect the same debt from me. Then LTD called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why LTD would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with XXXX accounts and the vendors they use for collection.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
On XXXX XXXX, 2020, LTD ACQUISITIONS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LTD ACQUISITIONS LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
11/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43219	Web
I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.
06/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92865	Web
To whom it may concern : While reviewing my credit profile recently via XXXX XXXX, I discovered an entry from a company by the name of LTD acquisitions. After making many calls trying to determine where this came from/what is was possibly about I came up 100 % empty handed. After attempting to find out where this came from, and being referred to ( typically the same phone number where I began. I have been a victim of identity theft at least twice, I have to assume that is what this is all about? Thanks you in advance for your consideration! Sincerely, XXXX XXXX XXXX
09/11/2016	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	OH 45065	Web	Older American, Servicemember
Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...
10/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 79902	Web
We got a call at about XXXX XXXX on Friday, XXXX XXXX. The debt collector was calling from XXXX. He called to ask about XXXX XXXX, and also asked if we thought she could ever put our house as collateral. This alarmed my mother and I, as it gave us the impression that our home had been illegally placed as collateral on a loan. I asked the caller to identify himself ; he said his name was XXXX XXXX and was calling for LTD financial services. As a result of this call I ended up divulging phone numbers for other members of my family out of fear.
12/08/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 33175	Web
Upon the sale of my home, I received letters from LTD Financial Limited Partnership months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to LTD Financial Services Limited Partnership. LTD Financial has not shown proof that this debt is owed. Finally, LTD Financial continues to harass me with XXXX time per day to collect the debt.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77545	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
01/23/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 77523	Web
HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME. I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS. I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN. THE MONTHLY BILLS STOPPED ALSO. TODAY, I KNOW WHY!! I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX. THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET. NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE. I REALLY REALLY NEED HELP. THANK YOU.
06/22/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	UT 84341	Web
LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.
04/16/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11366	Web
XXXX XXXX XXXX called me and threatened me stating they sent me a letter and if I dont pay the money I will be sued or possibly have my credit damaged for good. I advised them I spoke with milestone and since I was not working at the time my account was written off as bad debt this was done since 2016. This creditor says if I dont pay they will take me to court and damaged my reputation. I was afraid and I give my bank information as they requested. I need your help so this company does not take my money
04/05/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32207	Web
There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
10/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77365	Web
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48504	Web
I have reached out to this company at least 5 time about an account that is showing on my credit report that happen due to identity theft. I have never had nor applied for nor gave anyone permission to apply for a credit card in my name or social security! I have submitted Police and FTC report and they have just stop responding. The XXXX XXXX XXXX has sold the account to LTD AQUISITIONS LLC. The account was opened On XXXX XXXX from what i am seeing on my credit report.
10/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60301	Web	Servicemember
LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.
05/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75236	Web
LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.
04/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78258	Web
I received a call from LTD Financial Services ( XXXX ) XXXX on XX/XX/XXXX to settle a debt from XXXX XXXX XXXX Account # XXXX. The full amount owed was approximately {$960.00} and I was offered a settlement at {$560.00} - they record all of their conversations. The call occurred at XXXX hours and lasted 7-10 minutes on XX/XX/XXXX - They did not honor that offer despite me agreeing to the offer and giving them my banking information to conduct an ACH debit.
07/12/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28206	Web
LTD Acquisitions LLC is reporting false and inaccurate information on my credit report. This company is alleging ( by reporting ) that I owe and amount on an account that is still open. Collection agencies are not lawfully allowed to report an account as open, nor are they lawfully able to report a past due balance. This alleged debt has also never been validated after them calling me repeatedly ( after being advised to only contact me by mail ).
07/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35244	Web
Beginning in XXXX, I started receiving calls from a collection agency called LTD Financial Services about a debt I owed to XXXX. They indicated the amount but wouldn't specify what type of debt it was. I told them that wasn't my debt and I even called and visited the corporate office of XXXX to get proof that I had no debt on my bank records. I received a letter from them on XX/XX/XXXX but was postmarked XX/XX/XXXX. I have filed a dispute letter.
04/12/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 18642	Web	Servicemember
Constant and repeated calls from multiple different numbers. Looking for someone I don't know and never heard of. Calls have continued for months averages several per week. Lots of different tactics, all annoying and disruptive to my work schedule. First they would play a robo-recorded name of the person they wanted ... VERY LOUD over and over, then hang up. Later they would just let the call run without saying anything filling my voice mailbox.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33064	Web
XXXX XXXX I mailed a certified dispute letter to LTD FinanXXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
01/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91724	Web
Since XXXX of 2019 I have been trying to request the information regarding debt that is appearing from several companies collector 's ... All stating that XXXX/XXXX is the original debt and amount was XXXX I do have XXXX by XXXX but my account is current and both mine and my wifes phone are paid in full so I requested info from original creditor no response then no response from other companies besides it reappeared on credit reports.
06/17/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90703	Web	Older American, Servicemember
On XX/XX/2019, I received a notice from a debt collector. They never advised who the original creditor was! Only that they had purchased the very old account - that has toted the statute of limitations plus the seven years that they could place this account back on my credit report. I have had A-plus credit for the last 10 years. I don't owe anyone. The name of the company is XXXX XXXX , XXXX. and LTD Financial, L.P. a debt collector.
06/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48030	Web
Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.
08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85226	Web
LTD acquisitions LLC is reporting a collections account on my credit from XXXX XXXX XXXX XXXX I have never heard of XXXX XXXX XXXX XXXX and i have never been to Missouri. I have attempted to call LTD acquisitions several times but they never answer. I never signed any documents for this debt as i have never heard of it, the original creditor, or the collection agency. I have never received notice of this debt either.
05/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95823	Web
XX/XX/2022 received first letter claiming that they just purchased the debt along with attempt to collect. XX/XX/2022, Disputing the debt requesting debt validation. XX/XX/2022, Attempt to collect on debt without validation during the 30 days grace period XX/XX/2022 Attempt to resolved XX/XX/2022 Final Attempt to resolved XX/XX/2022 Debt collector delete my access online Also Multiple robo calls. All calls recorded.
06/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30117	Web
I DO NOT RECOGNIZE SUCH INFORMATION. I RECIEVED SOMETHING IN THE MAIL REGARDING A BALANCE I HAVE NEVER APPLIED FOR NOR DO I UNDERSTAND WHERE THIS DEBT CAME FROM. LTD FINANCIAL SERVICES IS ATTEMTPTING TO COLLECTA DEBT FROM ME ( CONSUMER ) IN WHICH I DID NOT CREATE!!! THIS INFORMATION IS INCORRECT!!! Original Creditor- XXXX XXXX XXXX amount is {$5900.00} and is INCORRECT!!!!!!!!!! REFERENCE NUMBER - XXXX XXXX
06/24/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 90065	Web
The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day.
11/12/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77208	Web
Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.
07/16/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	CA 94564	Web	Older American, Servicemember
I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k
09/07/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37923	Web
I sent LTD FINANCIAL SERVICES a letter of proof of validation on XX/XX/2021. LTD responded with a letter that didnt provide/show proof of validation.LTD FINANCIAL sent me a old bill which is not a proof of validation per law. I sent a letter demanding removal due to LTD not complying with the law which states they most provide proof of validation and investigation within 30 days of my request.
02/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29154	Web
Hello, I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services, I have yet been unable to reach XXXX XXXX since XX/XX/2017. I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .
05/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75020	Web
An item was placed on my credit report that was fraudulent. I never received any communication from this agency or business and was not aware of it until my expecting fiance and I were denied housing, due to the damage on my credit. I have retained counsel and if the item isnt removed, pending further investigation, will be moving forward with a legal process.
08/03/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75142	Web
LTD Financial keeps calling repeatedly asking for me and they say that they have been hired by someone about a financial matter. They will not tell me anything. They ask for my personal information and say they need verification. I checked my credit score and it is good with no bad reports. I see this company had been sued in 2007 for doing the same thing.
11/18/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 36445	Web	Servicemember
LTD financial calls every day, repeatedly. We had ignored the calls because they are masking their number from caller ID. Today I picked up and they wanted to talk to a person who does not live here, and has never, ever lived here. I advised them that this is not that person 's number, and never has been. The represetative was very rude, and over talked me.
04/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31601	Web
I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.
07/13/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MD 21740	Web
This debt collector as defined in 15 US Code 1692a - Definitions has been harassing me with calls and letters pursuant to 15 US Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 US Code 1692b ( 2 ) not state that such consumer ( me ) owes any debt.
05/12/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32801	Web
I have paid off my debit with LTD financial in XXXX. They said they would send out a settlement letter stating that it is paid in full which I have. I have provided it to XXXX but they wont take it off my credit report or notate that it is paid in full. I did the same thing with XXXX and they completed everything. I would like for them to do the same.
10/23/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89115	Web
XX/XX/2019 -- - Signed one year lease. XX/XX/2019 -- - failed to disclose 3rd party and fees. Receipt from 3rd party. Attachment XXXX MOVE OUT STATEMENT A. Attachment XXXX. 1. Charged for utilities twice. I paid utilities directly. ( a ) Attachment XXXX 2. Charged for smoke damage. ( a ) I lived there for 8 years and cooked everyday.
01/01/2021	No	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TN 37013	Web
The XXXXXX/XX/XXXX XXXX, falsely advertised their apartments. I was pregnant and had a baby XX/XX/XXXX The apartment had mold, nobody cleaned ( roommates ) and the washer and dryer did not work. Its my fault that i did not take pictures to document but i feel like i shouldnt have to pay for this due to the stability of the apartment.
06/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 15322	Web	Servicemember
I have sent this company certified mail three times since XXXX and asked for proof this debt was not paid and they never give me the information Im requesting but they keep sending me 100 things in the mail to pay it but are refusing to give me proof. I have all 3 certified mail receipts to prove they in fact received my request.
05/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90211	Web
LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
06/21/2016	Yes	Payday loan	Can't stop charges to bank account	VA 23704	Web
i XXXX XXXX submitted all account to XXXX including XXXX for paynment to XXXX now this company call ltd financial services limited partnership have being calling my phone and now they have sent a letter to my house if i do not contact them a judgment will be force .this is the phone number XXXX ask for XXXX.
02/11/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NE 68164	Web
I have received a letter from LTD attempting to collect a debt that is over 7 years old and past the statute of limitations thus violating the Fair Credit Reporting Act. The original Creditor was XXXX XXXX XXXX XXXX who I have successfully disputed from XXXX of the XXXX credit bureaus.
06/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30236	Web
LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
01/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50265	Web
LTD Financial services has never notified me of any debt collection nor did they notify me of their intention to pull my credit bureau 30 times in less than a calendar year driving my score down. This is an abuse of financial power and should be punishable.
07/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at XXXX XXXX XXXX via the phone.
07/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30016	Web
Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
12/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32117	Web
I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
05/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web
In XXXX I paid XXXX XXXX XXXX XXXX {$460.00} which paid the account in full. And XXXX XXXX XXXX sold the account to LTD ACQUISITIONS LLC who placed the paid account on my credit as a collection on : Last reported XX/XX/XXXX XXXX
06/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72704	Web	Servicemember
Someone stole my identity back around XXXX and I discovered it around XXXX. I filed a report with the XXXX police dept report number XXXX referring to the incedent please delete from my credit report according to act 605b
03/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10927	Web
The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX
08/24/2018	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 91709	Web
The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.
12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30311	Web
I have a debt collection reporting on my credit that is not mines. The debt originated from an apt that I have never lived in nor signed off on. This debt is completely inaccurate and appears to be fraudulent.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28152	Web
The Debt Buyer is trying to collect on an alleged debt that I do not own to them. I have sent to the debt buyer ( s ) a debt verification and validation letter. I have sent to the CFPB a copy of said letter.
11/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34639	Web
Debt collector LTD acquisitions LLC has harass my job my home phone about a debt I never had with them they are in XXXX violations and Im plan to sue them if they dont remove debt and stop harassing me
10/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48462	Web
This is LTD Collection Agency and I have NEVER bought ANYTHING from them therefore I can not owe them ANYTHING. They are calling trying to collect money from people who don't owe them anything.
09/14/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	WI 54981	Web
I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.
06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91607	Web
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
05/31/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76107	Web
Several phone calls to my place of employment from a XXXX XXXX who will never leave a message or call back number or say what he 's calling about from phone numbe r ( XXXX ) XXXX .
03/27/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	WA 98579	Web
I hav received multiple calls a day on my home phone and cell phone. Most of the I am at work or not home to answer the phone but they continue to call and just leave blank messages.
10/16/2017	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 Their investigation did not fix an error on your report	CO 80620	Web
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
03/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33433	Web	Older American
Debt Collector is attempting to collect on a fraudulent account that is not mine I sent an Affidavit of Fraudulent Application on XX/XX/2014 to the creditor.
11/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32137	Web
Is unknown debit, I do not have any knowledge about this item in my credit. I am fraud victims on my bank accounts. My account is hacked since 2016.
01/16/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	WA 98370	Web
I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call
10/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14170	Web
Ltd financial is calling my place of employment and repeatedly leaving messages for me to return their calls.
10/14/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MN 55123	Web
Repeated calls to my employer issued cell phone number, and my work telephone number of XXXX.
06/23/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 14305	Web	Servicemember
Company contacted my employer about alleged debt, as well as numerous members of my family.
09/17/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NC 28607	Web
Company keeps calling and threatening to give me bad credit and lawsuits could be pending.
06/09/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11372	Web
I 've never made business with LTD Financial Services and do not know what they want.
12/01/2018	No	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	PA 17360	Web
This number tried to call me before XXXX XXXX today, Saturday XX/XX/18.
06/06/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77035	Web
credit report FTC violation, inaccurate information on my report.
05/20/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75052	Web
Hello. I owe XXXX XXXX like {$250.00}. Not no {$1600.00}!!
01/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30047	Web	Servicemember
Information incorrect and l not owe any money to them
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77070	Web

08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33404	Web

07/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94589	Web	Servicemember

07/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 21239	Web

06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web

05/16/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79934	Web

04/14/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75146	Web

04/04/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 31833	Web

04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web

03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92078	Phone

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77375	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80247	Web

02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89048	Web

01/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48504	Web

01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 93063	Web

12/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80023	Referral

12/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 54915	Web

11/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77041	Web

10/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

10/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32955	Web

09/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20744	Web

09/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76006	Web	Servicemember

09/09/2021	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	IL 60638	Web

07/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92064	Web

07/23/2021	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CA 94598	Web

07/23/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70121	Phone

07/20/2021	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	KS 67226	Web

07/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19120	Web

07/02/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75052	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46236	Web

06/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	WA 98682	Web

06/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ME 04411	Web

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30075	Web

03/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48234	Fax

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33460	Web

02/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 72204	Web

02/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

01/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web

01/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web

01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34221	Web

01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34221	Web

01/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web

11/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31415	Web

11/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DE 19977	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85378	Web

11/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34788	Web

11/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

11/04/2020	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06516	Web

10/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90706	Web

10/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90706	Web

10/02/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78664	Web

09/16/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63114	Postal mail

08/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90706	Web

08/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76945	Web

07/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27858	Web

06/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30093	Web

05/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36117	Fax

05/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid		Referral

05/25/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48046	Web	Servicemember

05/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

05/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72204	Web

03/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77065	Web

03/12/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WV 25560	Web

02/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85251	Web

01/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24018	Web	Older American

01/21/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	LA 71109	Web

01/07/2020	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MS 39540	Phone

11/17/2019	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11096	Web

10/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50314	Web

09/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77065	Web

08/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48312	Web

08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web	Servicemember

08/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89166	Referral

06/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80902	Referral

06/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61602	Web

05/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 68901	Web

05/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98119	Referral

05/10/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33708	Postal mail

04/17/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75082	Web

03/11/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95206	Web

02/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34113	Web

01/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90813	Web

12/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web

12/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 86511	Web	Servicemember

10/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

10/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29210	Web

08/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85629	Web	Servicemember

08/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78259	Web

08/21/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78259	Web

07/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32765	Web

07/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95355	Web

07/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77034	Web

06/20/2018	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	NV 89120	Web

05/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31008	Postal mail

04/30/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 61525	Web	Servicemember

03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08103	Referral

02/28/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37777	Web

02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NY 11207	Web

02/02/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33912	Web	Older American

01/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76119	Web

01/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78249	Web

12/15/2017	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 Their investigation did not fix an error on your report	TX 76147	Web

11/29/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 76147	Web

11/09/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web

11/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33805	Referral

10/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11215	Referral

10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33805	Postal mail

08/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92009	Web

08/24/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 60626	Postal mail

08/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32056	Phone	Servicemember

07/29/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89506	Web

06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30045	Web

06/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

06/09/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

05/03/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94062	Postal mail

04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98660	Web

02/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30062	Referral

01/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 79412	Web

11/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60202	Web

10/14/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NE 68031	Web

10/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87105	Web	Older American, Servicemember

09/19/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NE 68031	Web

09/10/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	WA 98445	Web

09/01/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	VA 23323	Referral

08/02/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OH 44256	Web

06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60419	Referral

03/30/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 32822	Referral

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08879	Referral

01/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11207	Postal mail

01/09/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 33176	Web

12/30/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 10038	Postal mail

12/23/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NY 11208	Web

12/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10453	Referral	Servicemember

11/03/2015	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	PA 18066	Web

10/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11218	Web	Servicemember

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received		Referral

06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46260	Postal mail	Older American, Servicemember

06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32233	Web

06/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85712	Postal mail

05/20/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	OH 45805	Web

05/05/2015	Yes	Credit card	Credit card protection / Debt protection	OH 43062	Web

04/29/2015	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	NY 14150	Web

04/17/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MT 59041	Web	Older American

03/20/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	SC 29445	Web

02/27/2015	Yes	Debt collection Mortgage	Improper contact or sharing of info Contacted employer after asked not to	IL 60652	Web

02/24/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	IL 62930	Web

02/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33138	Web

01/31/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 20112	Web

01/21/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MI 48025	Web

01/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48059	Phone

01/05/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called outside of 8am-9pm	NY 13669	Web

12/30/2014	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	CA 94123	Web

12/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

12/18/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22192	Web	Servicemember

12/17/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	RI 02895	Web	Servicemember

12/17/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	DC 20003	Web

12/09/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	FL 32246	Web

12/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

11/30/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 79603	Web

11/27/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07728	Web	Older American

11/25/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	FL 33909	Web

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 90304	Web

11/10/2014	Yes	Credit reporting	Incorrect information on credit report Account status	SC 29229	Web	Servicemember

11/05/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	IL 61032	Web	Servicemember

10/22/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	IL 60652	Web

10/22/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60652	Web

08/22/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	AL 35216	Web

08/21/2014	Yes	Payday loan	Received a loan I didn't apply for	CA 95209	Web

08/15/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92131	Web

08/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 49307	Web

07/18/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 23701	Postal mail

07/10/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IN 47060	Referral

07/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	UT 84121	Fax

06/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10036	Referral

06/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10703	Web

06/04/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	OR 97814	Web

05/28/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CO 80113	Phone

04/18/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 90266	Web	Servicemember

04/17/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 20855	Web

04/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78705	Web

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	KS 66062	Referral

02/24/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27605	Web

02/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89074	Postal mail

02/22/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TN 37861	Web

02/21/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60203	Postal mail

02/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92629	Web

01/24/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	OR 97478	Web

01/21/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92010	Web	Older American

01/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	PR 00911	Referral

12/26/2013	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	FL 34685	Web

12/24/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32606	Web	Older American

12/19/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO 80916	Web	Servicemember

12/11/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32953	Web

11/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10002	Postal mail

11/06/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 76123	Phone

10/28/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90814	Postal mail

10/24/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CA 90806	Web

10/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78940	Web

10/18/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91325	Web

09/25/2013	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	FL 33476	Web	Older American

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91209	Web

09/18/2013	Yes	Student loan Non-federal student loan	Repaying your loan	FL 32956	Referral

09/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 65802	Web	Older American

08/30/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34134	Web

08/19/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	AL 35022	Web	Older American, Servicemember

07/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11590	Phone

05/01/2013	Yes	Student loan Non-federal student loan	Problems when you are unable to pay	MI 48219	Web