Meade & Associates, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45503
Web
I have notified XXXX about two companies that are reporting to my credit file in XX/XX/XXXX alone : 1 ) Meade & Associates : I have disputed this account with XXXX and Meade & Associates - with Meade and Assoc. sending me an error filled itemized statement as " validation '' of this alleged {$3100.00} debt. You can take one look at this statement and see that it is broken into two categories, " debts '' and " credits ''. I have tried to explain to both XXXX and Meade & Associates that per last page on the statement sheet the {$3100.00} is in the " credits '' column. I have asked why I owe that after I had already graduated? The school I went to would not even let you go on to the next quarter if you owed {$10.00} - let alone three thousand plus and let me graduate, which I did. Per the statement on the last page is the last " business '' dealing with the school was on XX/XX/XXXX. Then on XX/XX/XXXX, seventeen months after I graduated, this mysterious charge comes up for {$3100.00}. However, in the box below the last line item on the last page of the statement is a small box with three totals that all say XXXX. There is no explanation and the {$3100.00} is located in the " CREDITS '' column. If you look at the first page of the statement on XX/XX/XXXX ( first line item entry ), there is a debit in the amount of {$60.00} for " Entrance Exam Fee '' - that is money I owe the school. The next item right under that on the same date states " Payment -Credit Card '' and shows a {$60.00} payment in the CREDITS column - showing that I paid the school that amount of money - IT IS IN THE SAME COLUMN AS THE {$3100.00}. So, I ask - how do I owe this? The last page also shows multiple line items for " Work Study Earning Payment '' which is where the school hired me to tutor incoming students and my weekly hours X hourly rate went towards my tuition - notice they are in the CREDITS column that would show that this is money that has been credited to the school. I have sent extensive evidence of this to both XXXX and Meade with an outright refusal to remove this from my credit file. I notified both Meade & Assoc. as well as XXXX via certified mail and with detailed follow along instructions on this multiple times. I have disputed this account with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - with phone dispute with CSR at XXXX on XX/XX/XXXX at XXXX XXXX which again resulted in being told by Supervisor that XXXX has not duty to look at this evidence I sent them showing the account is in fact erroneous and invalidated. The Supervisor advised me that I my dispute was sent to Meade and " verified '' as being mine. I asked how it was verified and could not get a straight answer out of the Supervisor. I advised her that XXXX is in violation of the 15 U.S.C. 1681s ( 2 ) ( b ) - " Treatment of inaccurate or unverifiable information '' which calls for agency ( XXXX ) to promptly delete the item of information from the file of the consumer. I asked how it could come back as correct when it shows everything explained above? Again, to no meaningful response. Therefore, there was no true investigation of the item by XXXX. This is to be deleted from my credit file in no less than 10 days. I am preparing to exercise my private right of action which allows injured consumers like me to impose fines upon debt collectors like Meade & Associates and credit bureaus such as XXXX in this case. I will not hesitate as well to file suit against both Meade and XXXX for negligent and reckless handling of my protected information against my good name. I have been denied car loans with the help of the Meade & Assoc 's account on my credit, as well as various credit cards - please take heed that I will request punitive damages for this as well as this has now become willfull ( XXXX v. XXXX XXXX, 619 F.2d 700, 703 ( 8th Cir. XX/XX/XXXX ) ). XXXX v. XXXX XXXX. XXXX, 249 F. Supp. 2d 851, 856 ( W.D. Ky. XX/XX/XXXX ) ( The court held, " One could infer from the evidence that XXXX included incorrect data on Plaintiff 's claims report ; that Plaintiff complained about this false information ; and that after the original mistakes were corrected, more incorrect claims data reappeared on her report and remained well after the suit was filed. Based on this series of events, a jury could certainly conclude that a reasonably prudent company would have prevented a similar outcome ''.
04/20/2017 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 43229
Web
Re : FDCPA Section 805 ( b ) : Communication with third parties To Who m It May Concern : I am writing to express concern about information recently disclosed to a relative about the nature and amount of XXXX alleged debts owed to XXXX XXXX . I am appalled at the circumstances surrounding the unauthorized disclosure of my confidential information. At approximately XXXX XXXX on XXXX XXXX , an inbound call was made to XXXX by my fath er, __to d iscuss a voice message left by Meade a nd Associate s , and a letter he had received on XXXX XXXX XXXX about an alleged XXXX XXXX debt f or less than {$100.00}. According to my father, once he notified you that he was disputing the debt for {$100.00}, the representative informed him that he actually o wed 3 other debts to XXXX XXXX , totaling over {$200.00}. Again he disputed that he owed any of the debts assigned, and after a tense exchange over the claims, including the " new '' accounts she added to the conversation, the representative hung up on him. He called back at least two m ore times, being disconnected each time before a rep came on the line on the 3rd call back. Once he reached an actual rep, which happened to be the same rep that hung up on him, she admonished him to " be nice '' and then admitted that indeed he did not " owe '' the other three " d ebts '' because they were for " ( Me ) at the same address. According to his conveyance of the conversation, the rep blamed the collection system stating they " they are only associated in the system by address. '' While he contemplates how to handle his experience with the company, I will be direct with my concern. On the surface it seems that there is an inherent flaw in Meade 's system if in fact it does not designate accounts by responsible party but rather only by associated addresses. Meade and Associates a long with its agent is jointly and severally liable for any violations of the FDCPA. Specifically, the agent violated Section 805 ( b ) by info rming a third p arty ( my father ) that I allegedly have 3 out standing debts owed to XXXX XXXX . Since the FDCPA is a strict liability statute, the reasons or cause for the disclosure are inconsequential and thus does not alleviate the liability involved nor eliminate the fact that statute has been violated. More disturbing is the fact that after receiving a call from my father en route to a client site to inform me of the disclosure of these collection accounts, I calle d Meade and Associates, req uesting to speak to a supervisor about the unauthorized disclosure of my personal information. To add insult to injury, the rep I spoke with insinuated that my father might have given false information ( such as his birthdate ) regarding his identity which caused the error. However, he has assured me that not only did he not provide false information on his inbound call t o Meade and Associates, but that the rep asked twice if his birthdate was XXXX XXXX XXXX to which he affirmed that it was. The voice recordings of those calls will confirm that, so I have requested that Meade take the appropriate steps to retain and preserve those recordings in the event that this matter can not be settled in an amicable fashion. The rep 's suggestion that this breech was somehow the result of actions on behalf of me or my father is on its face, completely absurd. His inbound call was on a totally unrelated matter and she provided him information on collection accounts in my name! It is also concerning to me that during a phone conversation with an agent at the company approximately two weeks ago, I specifically informed the rep that 1 ) I was disputing the debt, 2 ) I have not received a dunning letter and 3 ) I was covered by HCAP at the time the debts were allegedly incurred. Under no reasonable circumstance am I liable for any of these accounts.
03/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • KY
  • 400XX
Web Servicemember
In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my debit card ... but since it was still pending ... the bank was able to block the withdrawal. I placed a fraud alert on my credit reports and I got a new driver 's license and then ended up getting a XXXX one with my new name since I had married. Last week I received a letter from Meade & Associates attempting to collect on a debt from XXXX checks written on my old account with my old drivers license name starting in XX/XX/XXXX. I called and spoke with XXXX XXXX and he agreed that everything was done correctly, I just needed to send him the information from my bank and the police report along with my current drivers license. I requested that he send me copies of the checks that were written, which he did. I went to my bank and they did not have anything specific since nothing actually went through my account at the time. However, they new I had closed that account and reopened the new one and that I had presented them with a police report. They wrote me a letter to give to XXXX XXXX and I was able to retrieve the police report online. Monday, XXXX XXXX, I faxed both of these documents along with my current drivers license, my actual signature, as well as the new police report number for the case filed with the forgery/fraud department. I followed up with a call to XXXX XXXX on Tuesday and was informed he was not available, but they would have him return my call. I called Wednesday afternoon and was then told that he had left early that day without returning my call. I asked if anyone else could help. I was transferred to XXXX. She obtained the documents that I had faxed and I explained to her I wanted to finalize clearing this ordeal. She became hateful and kept saying she needed documents that I she already had. She stated I still needed an affidavit from my bank stating I did not write the checks ... she refused to listen to anything I had to say and acted is if it did not matter what I sent ... it was n't going to make a difference. At that point I definitely became angry and she told me to never call that office again. I called my bank and told them what was going on and they stated that XXXX did not know what she was talking about because the bank never had me sign an affidavit because nothing had actually gone through my account since I had immediately blocked all transactions due to closing the account. The check transactions even clearly say that when they were processed there was no account found. I am currently waiting for my case to be assigned to a detective ... but I am filing reports and claims to help prevent any more aggravation from this company and hope they will learn that you ca n't treat people like criminals when they are the victims in some circumstances ... especially when they present facts and proof.
03/05/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45503
Web
On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
08/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • OH
  • 439XX
Web
In 2015, my partner lost his job, his sister died at the age of XXXX and a XXXX on me. In the midst of all this going on we had a few returned checks at the XXXX. They were placed with Meade and Associates in XXXX Ohio. I spoke to a lady named XXXX who said that I could pay the checks off a few at a time and she would work with me. On XXXX XXXX, 2015 I receive a call at work from XXXX a collector at Meade and Associates. He said he was turning them over to the courts of XXXX County and wanted to give me the opportunity to make them right. I said I could pay half of the balance in XXXX payments and he said no. He said that if I did not give him a debit card number to hold or debit card number he would turn them over to the court house. There website stated that they work with people. I said that I would call him back with the information on the card. I work as a XXXX and I thought, try and work it out. I called back and asked for a supervisor. I spoke to a gentleman and explained the situation. The man said " let me put you on hold and see what I can do and get approval ''. I was on hold and voice audex came on and said now being transferred. XXXX who originally called me picked up and began yelling at me and then screaming at me saying what do n't you understand etc. I ended up giving him my debit card number and said this will be my car payment plus other bills, he said ok I will turn them over to the XXXX County Prosecutors office then. I have spoken with the prosecutors office and the lady was nice, she said they do n't need to use their office to bully people. I ended up researching Meade and Associates and their are numerous complaints. I own the debt will right the wrong but do n't scream at me at work and threaten me. This XXXX has done this to other consumers and I would like to know why he is still employed there. My understanding is the Ohio Attorney General has been contacted before but nothing done. Why? Can all these consumers placed in collections be wrong? XXXX XXXX is by far collecting in a thug like mentality and it is not ok. I plan on contacting the XXXX County Prosecutors Office again in a written letter form and advise them that this individual needs to stop using their office as his own personal collection tool. Meade and Associates are located at XXXX XXXX XXXX XXXX Ohio, again if you research you will see that I am not the only one who has been screamed at threatened. They say they record the conversations but lets be real, they can record portions of what they want to be heard. All of these people that I have researched are not going to have the same story.
07/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44077
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account Name : XXXX & XXXX Account Number:XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43110
Web
Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSOC # XXXX, XXXX XXXX XXXX # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
06/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43068
Web
Notice for Proof of Claim Account : MEADE & ASSOCIATES INC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
08/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48167
Web
I was contacted on XX/XX/XXXX from Meade and Associates via phone call in regards to a supposedly unpaid medical debt from XX/XX/XXXX and XXXX of XXXX. I was first told that there were two bills ( one for {$150.00} on XX/XX/XXXX and one for {$48.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. I had not received a written letter from the collection company nor have I received these bills from XXXX. I contacted XXXX billing and they confirmed that I had paid these in full through both of my insurance companies. I confirmed the reference numbers and amounts provided by Meade and confirmed that these are the paid bills in collections. XXXX agreed to send a letter to me via snail mail confirming the amounts paid in full and I should receive it in 10 business days. This information was shared with Meade and Associates. They did not respond. When I called Meade and Associates back, they changed t heir story. Now, they are claiming that XXXX XXXX submitted the debt. I called the XXXX department who were confused as they do not handle billing and they forwarded me to the billing department who again, confirmed I paid in full and should not be in collections. I relayed this information back to Meade with no response. I even called my doctors personal billing department and they have no record of me in that unique department so I could not have a debt as I do not have a profile/account. Today, on XX/XX/XXXX I received another call from Meade and Associates with a NEW story from them. Meade claimed to have contacted XXXX on XX/XX/XXXX and said I had an outstanding balance with XXXX. Apparently, Meade and Associates have been emailing back and forth with XXXX XXXX XXXX ( which I have never been to before ) about me and my debt. When I asked for the email they ( Meade ) were emailing to, they refused to give it to me. I called XXXX and spoke with several supervisors who were all just as confused as me because Im not in their system nor do they work with Meade and Associates for collections. XXXX believes this is a scam at this point or potential fraud. It has been over 7 days since Meade and Associates have first contacted me. I still have not received a straight answer where this debt has come from, who sold it to them, who to contact, nor have I received a written letter confirming this supposed debt from this collection company.
10/20/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 410XX
Web
I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.
12/31/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92108
Web
The debt of {$480.00} is due to a partial amount of a vet bill I disputed with XXXX and got credit for it. XXXX a hospital I took my dog twice when he fell severely ill and yet on day 1 XXXX hand me a XXXX bill saying everything is fine, day 3 I go back since my dog had no improvement and hasnt eaten in days. They prescribe appetite stimulant and hand me a {$700.00} bill. I put some on my debt card and some on cc. Months go by and XXXX kept sending emails saying I owe them. Trying to avoid any further aggravation and frustration I send an email offering to settle with a payment plan. XXXX says they no longer how the debt. An agency doesnt and they share tudo contact with me. I called some day on XX/XX/XXXX disputing the charge verbally. XX/XX/XXXX I send them an email letting them k pq I still have not received any documentation and I was heading out of town for XXXXXXXX XXXX for the holidays. As planned I left on the XX/XX/XXXX and had not received anything from them. Again I reach out to medvet offering to pay on a payment plan basis and told no they could only take full payment. When I told XXXX and associates that bought a bad debt since I had disputed and won. They told me they didnt buy the debt. They are acting ok XXXX behalf. Im so frustrated to have to be dealing with unprofessional people who didnt care for my dog but their pockets. When trying to pay and put this behind i am pushed different directions. I disputed this charge because on day 4 of XXXX XXXX XXXX I take him to another clinic. He gets XXXX and on XXXX right away. XXXX only collect money and delay my dogs treatment. Thats shouldnt be in business. The discharge papers came a day after. They called asking what time my dog ate chocolate. They kept my dog for XXXX hours because whoever was supposed to pass my message fo go ahead and do the exams forgot and didnt occur to them to ring my phone. When I called they have the nerve to say they were waiting for my call. I tried to simplify as much I could. My apologies.
10/24/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43219
Web
The Fair Credit Billing Act 15 U.S.C. NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) and ( Ohio administrative Code 5160-2-07.17 Hospital Care Assistance Program ) Hospital Care Assistance Program sub section 2.5 FAQ 2.2a and 7.2, Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Here is the list of account s belowMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and Associates XXXX XXXX XXXXXXXXMeade and AssociatesXXXX XXXX XXXX, OHIO XXXXRE : ( Accounts OHMSF/ TRAMAONE XXXX, XXXX, XXXX, XXXXThese accounts was covered under the Ohio Department of XXXX and they reported these accounts to XXXX, XXXX, XXXX , They have listed these accounts multiple times making the debt appear larger than what is owed on all XXXX reporting credit agencies, I disputed them during the past 90 days and they refuse to remove these bills that was paid under the ohio department of XXXX, I also sent this compliant to the Ohio Hospitals Associations, and XXXX Hospital , and XXXX hospital becuase they violated Ohio Hippa Laws for the hospital assistance program XXXX and XXXX the billing work was misdirected to credit collection agencies after it was written off and all of the workers in the billing departments for both hospitals was to forward the paperwork to both drivers insurance companies and to the hospitals billing department before HCAP was applied, i was a victim of a car crash of which i was the passenger this caused me to loose work for 4 years, I am on the verge of borrowing money to sue them and the agencies becuase the agencies are letting them publish this at my expense becuase they pay monies for their services.
11/13/2018 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 40031
Web Servicemember
Below is the e-mail sent from XXXX XXXX regarding the account that is now listed on my credit as derogatory. I have been dealing with this for more than a year. I have personally gone by their office to pick up the form that XXXX is requesting with no luck. I also have the letter sent to them regarding all times and dates of attempted contact. They are provided as attachments. When does it stop and what can I do about the harassment? Hi XXXX, Attached is a Final Notice letter which outlines the attempts made to XXXX XXXX XXXX, XXXX XXXX XXXX and Meade & Associates Inc. Ive also attached the bill return letter that was sent to Meade & Associates Inc on XX/XX/XXXX. The outstanding balance is {$210.00} {$51.00} for date of service XX/XX/XXXX {$150.00} for date of service XX/XX/XXXX The providers have all been given the needed information for billing purposes. Claim number XXXX Claims Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Claims Adjuster : XXXX XXXX Claims Adjuster Contact : Phone : XXXX and Fax : XXXX Providers contact information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX P : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Acct No XXXX P : XXXX -- - XXXX is the supervisor. Meade & Associates INC XXXX XXXX XXXX XXXX XXXX, OH XXXX Acct No XXXX XXXX -- - XXXX is the contact handling the file. XXXX ( at same number ) is the reported supervisor. As outlined in the letter, I have referenced the KY XXXX XXXX statue which states the provider can not balance bill the injured worker and the statute which states providers have 45 days from the date of service to provide billing information for payment. -- -- I have attached the full statute for your reference. If you need anything additional from me please let me know how I can help resolve this ongoing issue. XXXX XXXX | XXXX | Claim Representative, Medical Only Claim Adjuster XXXX XXXX XXXX XXXX, KY XXXX XXXX ext XXXX phone XXXX fax XXXX email XXXX
07/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43081
Web
Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
07/13/2016 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43147
Web
Recently while conducting a monitor of my credit report I discovered that MEADE & ASSOC # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from my doctors office but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43026
Web
This complaint is in regards to medical debt collections by Meade & Associates, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. I opened disputes with XXXX and XXXX days later to get the amount updated on my credit report, however, despite receiving full payment Mead and Associates refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what Meade and Associates have done, while also ignoring my communication requesting payment receipt. I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. I will be attaching documentation showing payment screens on Meade and Associates website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with XXXX showing the false validation provided by Meade. Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. Thank you.
06/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43054
Web
This collection agency never contacted me by mail, nor phone to give me the required 30 days to dispute the debt. They contacted me 2 years after they claimed they received the debt and demanded payment. They would not give me an option to dispute the debt. A representative named XXXX XXXX Contacted me and demanded payment. When I asked about what the debt was, she went on to tell me they called me 18 times and this was the first time they have ever spoken with me. I made her aware that this was the first time I have received a phone call. She again went forth with demanding the payment, I told her I needed to know what the debt was and wanted to dispute it. She said she was going to go ahead and sue me for the debt and hung up. I called back asking to speak with a manager. I was put on hold and told the manager would have to call me back. I told them they needed to pull the recordings from my conversation with XXXX XXXX at XXXX. They gave me a ref # XXXX. The manager did call me back later that day, and soft spoke to me to calm me down from the past conversation with XXXX XXXX. He didn't offer again a chance for me to dispute the debt, and told me XXXX was just doing her job. I told him I was a bill collector for 3 years and I knew the laws of the FPCPA and my rights under the fair debt protection act that I could dispute the debt before any collection process was done, which included putting the debt onto my credit report. XXXX just walked to smooth things over and said that he would not have XXXX call me back for a while. I have still not received anything in writing about this debt. This debt is now appearing on my XXXX and XXXX credit report without my right to first dispute the debt.
09/15/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 431XX
Web
I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.
01/24/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 431XX
Web
On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.
04/22/2019 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43204
Web
Meade & Associates placed an outstanding medical debt of {$860.00} that belonged to my deceased mother in my name and under my social security number a year after she died. I have called them multiple times and talked with XXXX XXXX, collector, and XXXX XXXX, manager. I have also sent them documentation showing this debt belonged to my mother, including copies of the bills sent to her, in her name, and at her home address, as well as her death certificate. On XX/XX/2019, XXXX XXXX represented to me he would resolve this issue with the manager for erroneous collections. However, rather than resolve this issue, this debt collector placed this collection back on my credit report in XX/XX/2019 after I disputed it with the credit reporting agencies. Meade & Associates are claiming that I was my mother 's fiduciary and this makes me liable for her debt. They are basing this claim on a document I signed for my mother and in my mother 's name and at my mother 's request while she was in the hospital. I had to sign several such documents for my mother during the course of her illness as her next-of-kin, and this is the only collection that has been filed against me on such a basis after her death. I did not furnish the original creditor with my social security number, date of birth, or mailing address. In addition, the original creditor did not send the bills in my name or to me. I believe Meade & Associates located my personal information and used it in order to wrongfully collect a debt and wrongfully report the debt as mine to the credit reporting agencies.
09/20/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43224
Web
My daughter had a roommate back in XXXX. Apparently there were " move out '' charges to XXXX XXXX XXXX which were billed to her roommate. The debt was apparently paid in full on XXXX/XXXX/XXXX. However, in XXXX XXXX a negative delinquency appeared on all XXXX of my credit bureaus ( I am told I co-signed my daughters ' lease for her first XXXX apartment, although neither of us recall me doing so ). This is a full year and a half after the obligation had been met and resolved by her ex-roommate. At no time was I made aware of any outstanding debt to the apartment, nor was my daughter ever informed of such. They only communicated to the delinquent renter. My issue - while they are willing to have it removed, it can take until end of month before it 's sent to all XXXX bureaus - and then you add on however long it takes the bureaus to update. I am going for a new construction loan for a house I 'm building in FL. This single item on my report dropped me from XXXX to XXXX. This severely impacts any terms and approvals I will get on my construction loan. I 've maintained excellent credit my entire adult life - and this mistake - sending something which has been resolved 18 months AFTER it 's been fully resolved to a bureau to reflect on my credit rating - at a time when I 'm applying for this construction loan - is unbelievable. The fact they ca n't get it removed from the XXXX major bureaus, after having no issue putting it there in the first place, needs to be addressed. The credit reporting company is Meade and Associates - XXXX XXXX XXXX, XXXX, OH.
07/07/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40509
Web Servicemember
Previous student of XXXX XXXX XXXX XXXX in XXXX XXXX, OH. Majority of the students I was enrolled with decided to transfer out such as XXXX and XXXX. I do have their last names and contact info because the same thing happened to them! We all know that there was a pandemic last year. I also had a XXXX last year. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That school is aware of the economy and the fact that a lot of people had a hard time with daycares being closed, cut back on work hours, etc. I informed them via email which I have all of my emails, that I could not afford the {$220.00} a month. I did plan to return and had just passed the last set of classes. I withdrew due to my health issues and also due to the hardship from the pandemic. I was told I could reenroll so that I could finish. I was then contacted by someone saying I had to pay XXXX up front! I only owed them about 8 months x {$220.00} if i did want to re-enroll. I reached out to the credit company which they sent my account to. I asked the school for a thorough breakdown of the fees and to show what payments I did make and what fed aide they kept! They did not do it. Instead they sent me an old ledger and had the credit collection company to send me the same thing. They should not be allowed to do this. This is why XXXX was closed down. I was looking to return. The creditor sent me a letter not explaining anything but saying submit payment in full which is over {$7000.00}. They do not have their numbers right and the school is getting over on too many people!
08/06/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43227
Web
I have requested that MEADE & ASSOCIATED stop calling my phone and mailing me letters over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and your own company management. I also the right to file suit against you for any future violations of this law. I will record all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
01/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 489XX
Web
I keep getting bills from XXXX XXXX and throwing them away because I'm a qualified medicare beneficiary and can not be balanced billed. I have both XXXX and XXXX. XXXX XXXX paid the bill and any balance should not have been billed to me because it is illegal to do so. Today I got a letter from Meade and associates saying that they are trying to collect the debt due to XXXX XXXX XXXX which I'm assuming is XXXX XXXX since he's the one I saw during the service dates between XXXX XXXX of 2022. During this time I was a qualified XXXX beneficiary and I still am. They say I owe {$100.00} and when I called them they argued with me about it even though I said I was a qualified XXXX beneficiary they said I owe this debt. I'm on XXXX because I'm XXXX XXXX and this is causing me mental duress for no reason. The person I spoke to at XXXX was very rude and raised his voice at me insisting that I owe this debt. The phone number for Meade & associates is XXXX. They're located at XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The letter is dated XX/XX/XXXX of 2022. The bills I received from XXXX XXXX were thrown away so I don't have those. Every time I get these bills it reminds me of the time I was committed and XXXX XXXX was the worst XXXX ever and XXXX was a horrible experience for me. This is affecting my mental health and I don't appreciate it. I feel like I'm being harassed for no reason.
04/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43068
Web
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where MEADE & ASSOC is in compliance with OHIO LAW 1319.12 O.R.C. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
05/02/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 432XX
Web
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXXXXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this unrecognized collection account. Please have them remove this collection account immediately.
11/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NC
  • 28560
Web
I was contacted by a female from Meade and Associates on XXXX/XXXX/2015 in regards to a balance owed to XXXX in the amount of {$150.00}. I spoke to a lady who inquired about a payment she stated that agreed to make in XXXX. I never stated a firm payment date with this company and stated that I 'll will make a payment on the website sometime in XXXX. A definite date was never supplied nor confirmed to the company. The female proceeded to insist that I agreed to make a payment on a specific date in XXXX and began arguing with me. During the conversation, she stated that if I do n't make the payment today, I would be sued and would have to go to night court. This company has not provided the proper documentation notifying me of a possible lawsuit if the debt is not paid. I have yet to receive any such notice nor a notice from Meade and Associates of the current balance owed or the alleged payment arrangement. The female stated that I last spoke with them on XXXX/XXXX/2015. It 's now XXXX/XXXX/2015!!! Now, I being threatened with a lawsuit for {$150.00}? The level of hostility the female expressed was unnecessary for the amount of the debt. Especially, when I initiated the contact to learn how I can resolve the debt. If I did n't want to pay off the debt, I never would 've contacted them in the first place in XXXX.
07/17/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • OH
  • 43119
Web
I received a call from Meade & Associates XX/XX/2020 at XXXX EST from number ( XXXX ) XXXX. Representative named XXXX ( do not know last name ) called me. I tried clarifying payments I have already made towards my account however she couldnt really give a definite answer of why shes not showing my payments. Instead of telling me I could dispute charges, she then says okay well you have a great day when I am trying to figure out why my payments are not showing. Her tone of voice was very sarcastic when she was saying how Im either going to pay or not because its on me, and my responsibility. I just use one curse word because I didnt appreciate how she didnt want to help me or her tone of voice and the representative HUNG UP on me instead of trying to work out where my previous payments have went. I called back, got the same lady ( XXXX ) and I wanted to talk to a supervisor. She then told me one is not available. I requested to just talk to another representative and got in touch with XXXX. He gave me the companies name ( I wasnt sure how how its spelled ). I complained about the last representative, as Im sure anyone would, he ALSO was rude and very smart aleck towards me. Supervisors name is apparently XXXX XXXX and I have yet to receive a call back.
08/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 480XX
Web
Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.
03/22/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30043
Web
XXXX college was a school I attended in the fall of 2013. I had a family situation and had to withdraw from school however, I withdrew within a timely manner. The financial aid department was notified within the appropriate time frame to withdraw from classes without being penalized. At the time I used financial aid and had subsided and unsubsided loans. XXXX XXXX was the loan originator the school sent the loan money back to XXXX XXXX. After the loan money was sent back which is required by law when u withdraw within a certain time frame. XXXX decides to charge me for the semester which is not correct. Legally you can withdraw from any intuition that receives financial aid with a grace period to withdraw and not be penalized. The debt is with a collection agency by the name of Meade & Assoc the debt totals {$5200.00}. I have proof from XXXX XXXX that the loan was returned with date. Purchased a house a year ago this came up however, I showed loan officer the proof and they closed the deal. This need to come off my credit the credit bureau are not investigated this at all. I have even sent them documentation can you please help in this manner.
04/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43213
Web
I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
09/18/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 787XX
Web
I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.
04/28/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43224
Web
MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks XXXX. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
05/03/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43123
Web
This company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.
10/05/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48307
Web Servicemember
Received a letting in the Mail on XX/XX/XXXX from MEADE & ASSOCIATES INC for a debit owed of XXXX in my name. I called that day and spoke with a " XXXX '' ( would not provide his last name. I informed him that this was not my Debit and they have the wrong person. I asked him to send me any Doctumation they have in this case. Received the requested documents on XX/XX/XXXX showing that there was a {$3500.00} billed amount that was paid. It also had a signature that was not mine. I called XX/XX/XXXX and spoke with " XXXX '' I asked if he looked over the Doc that he had sent me and he informed me he did. he was not able to Identify where the {$1200.00} came from. I said that was not my signature anyway and that I could provide a copy of my official signature from my license but he was not interested. I asked to please remove this from my name. He informed me he would put it in " disputed '' and to file a police report and get an affidavit sent to him. He refused to send me paper work saying this is distributed.
08/08/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 432XX
Web
I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
12/09/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43232
Web Servicemember
I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
04/30/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43017
Web
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation. Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES # XXXX
12/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 433XX
Web
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization
10/23/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43119
Web
This debt occurred while having a XXXX XXXX XXXX at age XXXX. My previous XXXX had XXXX and as a result my XXXX XXXX XXXX at XXXX year XXXX XXXX. The staff of XXXX XXXX XXXX 's office - XXXX XXXX 's XXXX, were very insensitive to my XXXX and XXXX. They treated me like I was XXXX, XXXX me and ignored my concerns, instead of treating me with the human dignity I deserved. My concerns were valid. I even wondered if because I was of a different culture than this entire staff if that is what presented such a barrier with how wrong this went. As a result, I ended the relationship as a very dissatisfied XXXX and moved on to an XXXX who could provide the necessary care to me and XXXX XXXX XXXX. XXXX XXXX 's XXXX received payment from my insurance company for goods and services they did not fully render. The balance here is what was remaining unresolved, as all of my past attempts at resolution failed.
02/08/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20874
Web
On XX/XX/XXXX I receive a notification on my XXXX Credit report of an account with Meade & Associates for a debt I had no idea about. The debt was from a check written to XXXX XXXX for {$37.00} back in XXXX. I call Meade & Assc and asked them why they would just now report this after all these years without notifying me first. They were XXXX XXXX XXXX. They could not provide validation of the debt. They said all they have was a copy of the check. I explained that I was a victim of identity theft years ago the I had provided all the companies involved with the verification, that this happened to me with affidavits & letters of confirmation. I asked them to either provide me with proper validation or remove this from my credit report. They were XXXX XXXX XXXX XXXX XXXX has tons of complaints against this company for unfair trade practices, which is exactly what they did to me.
03/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43229
Web
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
03/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43229
Web
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
10/29/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48188
Web
I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.
04/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 60901
Web
Meade and Associates is trying to collect a debt not owed it was discharged in a banruptcy filed XX/XX/XXXX. This company reported this account on XX/XX/XXXX on my XXXX credit report but failed to update it as included in bankrupty, They have also now reported this account 6 years later XX/XX/XXXX on my XXXX Report as a new collection. This should have not been reported on my transunion report after my bankrupty discharge. IT was only on my XXXX report. This company Meade and Associates is violating Fcdpa and the also Section 524 Title 11 of the Us Bankruptcy Code. This is harming my XXXX Report and it need to be removed from it being that they havereported on this report after my discharge. This particular account shows like its a new account, The account is due fall off of my XXXX credit report nent year. XX/XX/XXXX. But it was reaged on my XXXX report.
09/21/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 480XX
Web
I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.
02/23/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70072
Web
This amount claimed that I owe was paid off in FULL in 2014 in CASH. I would have kept a receipt had I known that the front desk from XXXX would just pocket the money, but they claimed my account was free and clear and had no issues until I noticed it showing up on my credit report. I have since made contact with XXXX and now they claim they do not know what I am talking about yet they removed the debt from my husbands account, which is a joint account that this credit was done in, as well as from my XXXX report. However, XXXX refuses to remove this from my debt. I haven been fighting for the past couple years to get this resolved as it is affecting my credit and is not a debt I owe. I want it removed and honestly would like those involved for stealing the money paid on that account to be held accountable for their actions.
03/13/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 45238
Web
I recently received a copy of my XXXX credit report that shows a collection that should have been removed off my credit. I was advised by the collection agency representative that the address they had in there systems did not match the correct address for me, therefor I was not notified properly of the debt in question and if I paid the debt it would be removed off all 3 of my credit reports ( XXXX. XXXX, XXXX ). Attached is a copy of the XXXX credit report where the item was deleted but as of today XXXX is still reporting this debt on my report. I am no longer reponsible for this account and it is negatively affecting my credit report, I am asking that this item be removed asap. If this account is not deleted I will be forced to contact the XXXX and seek legal counsel to file suit. Thank you
06/12/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WV
  • 25801
Web
I noticed three accounts from the XXXX XXXX on my credit report. The original creditor was XXXX. I wrote a letter to XXXX last winter and informed them that I had been a victim of fraud ; my now ex-husband sent his new girlfriend into grocery stores and wrote checks for food. I asked them to please work with me, as the bank has been doing until this goes to court. My certified letter was ignored and immediately the XXXX XXXX started reporting these accounts. When I was first made aware of the situation, I filed a fraud report with the credit reports and thought my files had been frozen until this can be resolved in court. I am protected under the FCRA from this being done to me with these accounts and have jumped through every hoop possible to get it resolved.
05/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • VA
  • 20105
Web
Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.
01/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • KY
  • 41042
Web
I received a bill from an apartment management company for damage to the unit. When I called to speak to them regarding these charges, the gentleman told me he would not discuss the amount and even if I sent payment he would not accept it and instead he would send me to a collection agency - which is listed at the same address as the apartment management company - so that my credit would be damaged. I never received another bill from either the management company or the collection agency. I paid the debt in XXXX of XXXX in order to remove it from my credit report, but this company continues to report as " settled for less than the full balance '' and has even updated my file showing a late payment as recently as XXXX XXXX
10/07/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • XXXXX
Web Older American, Servicemember
Previous complaint # XXXX was filed, but apparently you have no record of this company. The amount they are attempting to collect is {$120.00}. {$70.00} of this claim was resolved by XXXX XXXX dispute resolution. The other is apparently a {$50.00} paperwork fee of some sort? No product of any type was ever furnished and the on line agreement was canceled using their pre printed cancellation form within 7 days of an on online enrollment form. The purpose of this company is to supply high priced prescription medications not covered by XXXX XXXX XXXX or insurance. They never furnished any meds to me. I do have the XXXX resolution documents, but for whatever reason I ca n't upload them -- -- jpg?
04/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43140
Web
I received a letter from your company ( MEAD & ASSOCIATES INC ) stating I owe a debt of {$5100.00}. I have never done any business with Mead & Associates INC. This account has already been in dispute with another company with the same claim and was never validated nor verified to be accurate. Please delete this account MEAD & ASSOCIATES INC # XXXX. It is a violation of the HIPPA Act and a violation of FDCPA. I keep receiving harassing phone calls from ( MEAD & ASSOCIATES INC ) over an unverified account that I am unfamiliar with I have requested them to no longer contact me at my job or on my personal phone. I am still receiving contact without any form of documentation whatsoever?
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43081
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/17/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • OH
  • 43140
Web
Company : Meade & Associates , Inc. ( A 3rd party debt collector ) Starting around XX/XX/2018 I began receiving calls from Meade & Associates , Inc . Sometimes they call from the same number, sometimes the number is different. The numbers are as follows. XXXX ( This one calls the most ) XXXX XXXX All of them leave the same threatening voicemail messages stating if I do not call them back local authorities will be contacted, and I will placed under custody, etc. This is in relation to a XXXX hospital bill that I have been paying on sending small payments to the hospital itself. I now receive about 10+ calls a day ( XX/XX/2018 ) from the numbers above.
09/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WV
  • 253XX
Web
XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.
07/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30305
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44221
Web
On date XXXX XXXX, added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection.. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its yours. According to the FCRA, Mead & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
10/17/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43211
Web
I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.
06/01/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43081
Web
I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.
01/27/2017 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 437XX
Web
They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43219
Web
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSC
11/26/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78520
Web Older American
I called the company, Meade & Associates to let them know that I am not the " XXXX XXXX ' who incurred a debt of {$200.00}. with XXXX XXXX XXXX XXXX in XXXX, Michigan. Indeed, I have never been to XXXX, Michigan in all my life. However, for some strange reason, the XXXX agent to whom I was speaking did not seem to care even when I informed her that I have been in XXXX, Texas during the time the person with a similar name was receiving medical care in XXXX. The agent eventually hang up the phone on me.
04/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • OH
  • 45211
Web
In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.
04/11/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • XXXXX
Web
XXXX XXXX is a lifelong Iowa resident who has never lived in Virginia, nor traveled over 1,000 miles to shop at one of their local grocery stores. There are no grocery stores of this type in Iowa, and none of the identifying information from this creditor matches any legitimate information. Meade and Associates has and continues to violate : 1 ) The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 2 ) The Fair Debt Collection Practices Act, 15 U.S.C.1692
05/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43230
Web Older American
I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.
02/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • XXXXX
Web
I provided proof that this company was falsely representing itself as a creditor, ( Original Creditor : ) with account XXXX which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
02/24/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43065
Web Servicemember
Paid debt on XX/XX/2016. There is no law REQUIRING a debt collection agent to keep a debt on a credit bureau file once it is paid. I have had several removed already, but Meade and associates will not remove a paid file from the credit bureau. They insist on keeping it on their and it reflects as derogatory credit. There is no LAW requiring this. This is the only company who has refused to do this.
12/24/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 47130
Web
The company has placed a debt on my credit report. I have twice verbally requested tht they provide me with validation and verification. I also feel that the seven year statute of limitations for this debt has passed from the date it was incurred. They are engaging in deceptive nd unfair collection prctices by continuing to attempt debt collection fter refusing to validate and verify the debt.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43207
Web
on the date of XX/XX/23 i sent a letter to XXXX XXXX XXXX to dispute the account that they are reporting on my XXXX XXXX report XXXX XXXX XXXX XXXX {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and they never responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.
06/12/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43615
Web
I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. Company failed to provide verification as of today and is currently reporting negative activity.
08/12/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 433XX
Web
Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.
03/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 455XX
Web
I attended XXXX XXXX XX/XX/2015 per the school guidelines I was to withdraw by week 3 in order to not be charged for the school term. Per the school administrators I did do that, I am now being charged my Meade and Associates ( a debt collector for the balance ) I have tried to contact the debt collector and the school. No resolution seems to be getting resolved.
04/26/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44105
Web
Instead of allowing me to verify debt, it was instantly added to my credit report causing damage to my current score Ive worked hard to increase. I have not received any communication from this company prior to placing this on my 3 credit reports. I would like them to allow me to verify the debt before sending derogatory information.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43110
Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43110
Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, MEADE & ASSOC # XXXX.
03/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91730
Web
I was injured at work and have a settlement agreement that my previous employer is to pay for all future education expenses through the State of California XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX did not submit a request for payment to the State of California. They then forwarded my bill to a collection agency.
02/27/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 431XX
Web Older American
This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.
07/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43160
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
10/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 432XX
Web
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX / XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
05/24/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43615
Web
I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.
01/09/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43232
Web
i was XXXX i am low income filled out charity pay to pay for it never recieved a bill and meade and associates have violated the law i believe they are listing XXXX info on my credit report i believe this is illegal also trying to collect a debt i dont owe
01/22/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43224
Web
Mailed a debt validation letter on XX/XX/year> to med and associates Inc at XXXX XXXX XXXX XXXX XXXX OH XXXX I received a letter back from med and associates XX/XX/year> with just a statement and that was it nothing was validated from this company.
09/14/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43081
Web
I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt
05/01/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43206
Web
MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.
11/05/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 471XX
Web
Almost daily phone calls from the debt collectors even after I told them to quit contacting me. I asked them to provide me proof that the debt was mine and they couldnt. They still nonstop call me.
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91709
Web
I did not receive correspondence in the 30 day window per FCRA guidelines showing that this company sent documentation showing their federal right to post this item on my credit report.
02/01/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43160
Web
Company : Meade and Associates. Never received documentation of amount owed, or and itemized breakdown. Amount was paid to the original debtor and never removed from collections.
03/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60901
Web
I do not recall having this account. I have had identity theft in the past and I have always had a identity theft freeze on my account and dont know where this account came from.
11/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48205
Web
This account was previously deleted from my credit report, due to it being a HIPAA Law violation. It was then sold to another debt collector and placed back on my credit report.
06/15/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43560
Web
I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus
03/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43615
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/25/2018 No
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43232
Web
Told Meade and Associate several months ago not to call me just to send debt information in the mail. They called me today from this number. XXXX
07/07/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94608
Web
My name is XXXX XXXX This is not my name XXXX XXXX XXXX another family member XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX This is not my debt
12/09/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 433XX
Web
The collection account from Meade and Associates was for a medical bill to XXXX, XXXX Hospital which I paid directly to the hospital.
12/21/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43224
Web
I was XXXX when this debt took place, It can not be from me.I wasnt released from XXXX until XXXX 2016, can u please remove this
02/06/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OH
  • 45342
Web
Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies
05/21/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08087
Web
I faxed a debt validation request to Meade & Assoc via fax on XX/XX/2021 and have not received a response.
08/01/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43026
Web
The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.
09/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48207
Web
Should not be on my account at all.
01/27/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 45640
Web
01/08/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43026
Web
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44146
Web
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33511
Web
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43232
Web
02/08/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48223
Web
01/17/2023 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't temporarily delay making payments
  • MI
  • 48224
Web
12/21/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45879
Web
12/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44095
Web
08/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44118
Web
07/29/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • OH
  • 45202
Web
03/30/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • OH
  • 43138
Web
03/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43135
Phone
12/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43219
Web
12/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44137
Web
11/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45385
Web
10/20/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19702
Web
06/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44108
Web
06/05/2021 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
  • OH
  • 43615
Web
03/02/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10016
Web
02/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60901
Web
12/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43209
Web
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 45011
Web
05/12/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WV
  • 25670
Web
02/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43338
Postal mail
01/28/2020 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44805
Web Servicemember
01/22/2020 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 43064
Web
01/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85018
Web
11/05/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43338
Postal mail
10/30/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44813
Web
10/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48220
Phone
09/03/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
Phone
08/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43078
Phone Older American
07/30/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 46410
Phone
06/16/2019 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77054
Web
05/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46410
Phone
05/09/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 43068
Web
03/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43229
Web
02/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48185
Web Servicemember
01/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27824
Phone
01/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 91709
Web
12/02/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60419
Web
11/28/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45458
Web
08/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28216
Web
06/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43004
Web Servicemember
06/10/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85282
Web
05/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43068
Web Servicemember
05/01/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43147
Web
04/15/2018 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89141
Web Older American
04/10/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45426
Web
03/03/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34711
Web
12/12/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45231
Web
12/05/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
10/16/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40204
Phone
09/14/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95134
Web
08/17/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43232
Web
08/17/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45207
Postal mail
07/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45213
Web
06/05/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45318
Web
05/08/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43061
Web
03/21/2017 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43207
Phone Older American
03/16/2017 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 43230
Web
03/11/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43082
Web
03/03/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43068
Web Servicemember
03/03/2017 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 43019
Web
02/20/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • AZ
  • 85638
Web Servicemember
02/03/2017 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 44813
Web
01/23/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44906
Web Servicemember
01/16/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 45424
Web
01/03/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Impersonated an attorney or official
  • OH
  • 43725
Web Older American
11/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43223
Web
10/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28269
Web
10/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28269
Web
07/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45215
Web Servicemember
07/05/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85338
Web
06/23/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44820
Web
06/19/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43140
Web
06/15/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43035
Web
05/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43231
Web
04/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 485XX
Web
01/29/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 43123
Web
01/28/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 45601
Phone Servicemember
12/17/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43140
Fax
12/11/2015 No
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43213
Web
11/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43015
Web
11/05/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23801
Web Servicemember
11/05/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 43240
Phone Older American
10/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44820
Web
07/22/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 44254
Web
07/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • OH
  • 43058
Web
06/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 48047
Web
05/26/2015 No
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OH
  • 43223
Web
02/25/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43015
Web
02/12/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43766
Web
02/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43240
Web
02/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43230
Web
01/04/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43235
Web
12/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43240
Web
11/18/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • OH
  • 43230
Web
11/17/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43026
Web
11/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45246
Web
10/29/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43230
Web Older American
09/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43016
Web Servicemember
09/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 42240
Postal mail
09/09/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43060
Postal mail Older American
09/08/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43138
Web
08/11/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43207
Web
07/30/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43138
Web Servicemember
06/25/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43026
Postal mail Older American
06/11/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43119
Web Servicemember
06/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43615
Web
05/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36360
Postal mail
04/29/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45133
Web
04/15/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43229
Web
03/28/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28105
Web
03/24/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43701
Web
03/08/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43140
Web
02/21/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43021
Web
02/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 43004
Web
01/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43123
Web Servicemember
12/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43211
Web
11/02/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43215
Web
09/27/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43026
Web
09/24/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95831
Web