Media Collections, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
Greeting, Back in XX/XX/XXXX I rented a car form XXXX in XXXX, XXXX ( Cars are garaged in small dark basement ) and after returning the car in XXXX ( cars are garaged in opposite conditions outdoors ) their have been trying to collect from me pre-existing " Regular Wear & Tear '' items - most of these are even obvious by looking at the pictures that they sent in their report. For months, I have been trying to get someone at XXXX to put some logic for what their are trying to charge me for, I have asked them to do a little bit of a research on their end but so far they have not be willing to make any effort to assist - In my email below from Mon, XX/XX/XXXX at XXXX XXXX I provided details about : 1- ) the inconsistencies in their process " no agent walked me to the car '' ; 2- ) tiny parking spaces and poor lighting conditions of their parking garage where I picked up the car ; 3- ) the research that I have done, I have worked with other rental car agencies to analyzed their report and what they are trying to charge me for ( more details on the email that I am attaching ) Since the bill was generated in XXXX, I tried to reached out to the consumer protection agency in XXXX but they have advised me to contact an agency in the country that I reside I kindly would like to know if your agency can help me or if you can tell me who I can reach out to for help! I addition to the emails to XXXX and to the Consumer Protection Agency in XXXX and am also attaching the report that shows the ridiculous minor wear and tear items they are trying to make me paid for XXXX CONTACT INFO : ( Our ref. No. : XXXX ) Emails : XXXX ; XXXX Address : Swords Business Park, Swords, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTACT INFO : ( They recently received the claim - Account XXXX ) Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, OH XXXX Phone : XXXX Fax : XXXX Thanks you very much for your kind attention and have a great day! XXXX THESE ARE THE EMAILS THAT I HAVE SENT TO THEM SEEKING RESOLUTION & FURTHER INVESTIGATION **** -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX Subject : XXXX : Second Invoice XXXX To : XXXX Damage XXXX XXXX XXXX I just received a second invoice " XXXX '' I already communicated with your team and ask for a higher manager to contact me and nobody did. I reiterate my position : I am more than 100 % that I did not cause these damages and I will not be not paying for them. There are several inconsistencies in your rental process plus charges that other reputable rental companies and even other XXXX locations dont even bother to consider. Here are the list of inconsistencies in your process that your team needs to consider and investigate : 1. Rental Car Pick Up in XXXX : When picking our car there was only one XXXX Representative at the counter and he did not go to the garage to show us the car around all your rep told us and another customer was : take the keys, paperwork and you can take the car and go. ( the report that you attached confirms that he did not do the walk thru or required my second signature ) The Garage is located in a totally dark basement there is no way for your customers and even your representatives to see minor damages You also need to contact that location and pull previous records for that car to see what those records shows so that you dont try to charge a new customer for an existing minor damage 2. Pictures that you provided : a ) Picture 3, 4 and 5. multiple concerns here : i. There is no way that any customer can see this when picking a car rental from a dark garage basement ii. For any of the major rental car companies an item like this is not listed as it is smaller than the size of a coin you really need to really close to the car to see it XXXX It is really hard to see that even in the daylight time your team in XXXX had to draw circles and arrows and you really expect a customer to see it? trying to charge a customer for this is totally unreasonable! iii. No one can really tell if the marks showing in this picture is simply dirt or rubber marks that can be washable iv. For any anyone in the car industry knowing that this is a used car, this is considered a regular wear & tear item ( I did not rent a brand new car this car had been rented to more customers ) b ) Picture 7. i. All this picture shows is what seems to be dirt under the bumper ii. Why only one picture when for the previous mark several picture were taken? iii. The dirt in the entire picture shoeing is almost the same color than what the arrow is showing iv. If you look at picture 4 which is a full view of the back of the car, you can not see the dirt/damage you are pointing out here it looks like the location in XXXX is trying to dig and find excuses to perform minor/inexistent repairs c ) Picture .8 i. A Crack in the Start bottom @ - do you seriously believe that a customer when picking a car rental is going to check for something like this? Once again, car was picked up in a dark basement in XXXX and you need to call that location and ask them for pictures of this basement ii. To see a small crack like this you really need to look for the right angle iii. How can a customer manage to crack a piece like this? Once again, trying to charge a customer for this is really absorb and unreasonable 3. Additional research ; I did some additional research on your report, I went to two car rental places one from XXXX and one for XXXX and I also when to a dealership car detailing business and they all agreed in the following : These items are minor and must be considered wear and tear items Items are smaller than the size of a coin therefore they are not even listed when cars get picked up and/or returned For the Crack in the start bottom chances to find or look for something like this during an inspection but either customer or inspectors are really small ( they found this kind of ridiculous ) Please have someone in your upper management team looking into all these inconsistences. There are probably other customers that are unreasonable and unfairly been charged in similar situations affecting them and also affecting XXXX I will be one that moving forward if this claim does not get resolved I will not be considering XXXX as my preferred car rental company I travel at least 5 times a year with an average of 4 days per trip this probably does not seem much but if you multiple that by the number of customers that you are unreasonably charging then the lost of business is huge. Furthermore, I am definitely mentioning this experience to my colleges, friends and family so that they can take the due measurements and avoid getting burned which can result in additional loss of business for XXXX. I hope you can give reasonable resolution to this matter and most importantly you fix the inconsistencies in your process. Thanks! XXXX EMAIL TO THE consumer protection agency in XXXX AND THEIR ANSWER Von : XXXX Gesendet XXXX XXXX, XXXX. XX/XX/XXXX XXXX An : iD XXXX XXXX XXXX : Unreasonable/ Unfair Charges on a car rental from XXXX ( minor ware & tear that is normal for cars driven for thousand of miles ) Dear XXXX XXXX, Thank you for your enquiry. The XXXX Consumer XXXX XXXX offers support to consumers who are residents of an XXXX Member State, XXXX or XXXX and are involved in disputes with traders based in another XXXX XXXX XXXX, XXXX or XXXX. As far as we can discern, you are not a resident of one of these states. Therefore, we can not act on your behalf in this matter. Perhaps an establishment for consumer protection in your region can be of help. XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX. XX/XX/XXXX XXXX An : XXXX Betreff XXXX Unreasonable/ Unfair Charges on a car rental from XXXX ( minor ware & tear that is normal for cars driven for thousand of miles ) Good morning, I hope this email finds you well! I am desperate looking for help! My wife and I visited XXXX with the hope of having great memories from such great country, we did have a wonderful time but we are now having the worst nightmare due to the Unreasonable/unfair treatment that we are receiving from XXXX ( Car Rental ) which are trying to collect {$1300.00} from us for minor ware & tear that is normal for a car that was previously driven for thousand of miles I have been trying to get someone at XXXX to put some logic for what their are trying to charge me for, I have asked them to do a little bit of a research on their end but so far they have not be willing to make any effort to assist - In my email from Mon, XX/XX/XXXX at XXXX XXXX I provided details about : 1- ) the inconsistencies and their process " no agent walked me to the car '' ; 2- ) they poor lighting condition of their parking garage where I pick up the car ; 3- ) the research that I have done, I have worked with other rental car agencies to analyzed their report and what they are trying to charge me for I have waiting two months for any sort of feedback and they have not provided any but instead their are sending me to collections which is going to have a vert negative impact in my credit history which I have been building for years with nothing negative I kindly would like to know if your agency can help me or if you can tell me who I can reach out to for help! ( I have attached the report that shows the ridiculous minor wear and tear items they are trying to make me paid for -their contact info is in that document and their email is : XXXX ) Thanks you very much for your kind attention and have a great day! Respectfully, XXXX XXXX
06/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 606XX	Web	Servicemember
Please find this Complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX regarding account No. XXXX, who try to collect unlawful debt in the amount of {$74.00} AFTER I informed them that I have a new provider ; and for dishonest and deceptive business practices ; and their collectors, XXXX XXXX XXXX who try to collect unlawful debt for XXXX. On XX/XX/XXXX I entered into al contract with XXXX XXXX XXXX XXXX to provide me internet services. The contract was for one year and billed by XXXX ( as I recall ) at {$39.00} per month, which was affordable price for me. After the first year contract expired in XX/XX/XXXX, I decided to continue use XXXX internet services on a-la-carte, or month-by-month basis. During all time from XX/XX/XXXX to XX/XX/XXXX XXXX continuously increased their monthly bills, without ANY Notices of increase, while the quality of their services gradually declined. In XX/XX/XXXX XXXX billing rate for INTERNET only reached nearly {$70.00} per months while I often was not able to use their Internet due to poor connection. So, I started to search for a reliable Internet provider and found a good offer from XXXX XXXX XXXX whom I contacted to replace XXXX. My service with XXXX XXXX XXXX started in XX/XX/XXXX, at which time I was two weeks out of Internet connection due to XXXX poor connection services. Since I had no binding contracts with XXXX, I informed them that beginningXX/XX/XXXX I will NOT use their Internet Services since I found a more reliable and affordable company, XXXX XXXX XXXX. I requested XXXX to disconnect me beginning XX/XX/XXXX and stop billing me for their Service. Nonetheless XXXX continued billing me for Internet services, even though I did not used it de facto since XX/XX/XXXXdue to lack of connection. As of today XXXX continuously demand payment for XX/XX/XXXX, when I already told them to disconnect me because I had a different provided and told XXXX about it. XXXX, who was not able to validate this debt {$74.00}, forwarded my bills to a collection agency XXXX XXXX XXXX who also was not able to provide me any proof that I owe XXXX {$74.00} except sending me bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, when as I previously said, I demanded XXXX to disconnect me from their services and not bill for it. I respectfully request CFPB to initiate an investigation into this matter ; order XXXX to stop their unlawful collection ; and fine them for dishonest and deceptive business practices. Based on my experience and other customers reviews, XXXX received only 1 star of customer appreciation ( out of 5 ) and regularly criticized for dishonesty and fraud Sincerely, XXXX XXXX P.S. Some customers complaints submitted against XXXX just in XX/XX/XXXX ( filed online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX!!! ) are cited below : " Do not use XXXX. Bad company and added more charges that are not taxed. Told me increased sports surcharge and other charges that overlap your bundle. Crooks. The FDC should close them down. Other increased charges. Entertainment surcharge now {$7.00} was XXXX. Municipal construction now XXXX was XXXX. Sports programming now XXXX was XXXX. Broadcast tv surcharge now XXXX was XXXX. We pay for our services. This is criminal. Paying for their workers and whatever. We pay for entertainment in bundle. What the XXXX is going on??? '' " XXXX has proven to be incredibly difficult and far below in quality service. My TV and internet have not worked properly in the years time that I have had service. When they finally send someone out to check the service and find there were installation errors, I am the one that was charged a bill for them to do so! I called to complain and the fee was supposedly waived. The following month the amount for this charge shows up on my bill. I am told to pay it and that a credit would appear the following month! The following month I attempt to make a payment as usual. The month following that a high bill appears. The payment did not go through on their end and I am charged the repair fee, a late fee, and a charge for the payment which they said did not go through! I think it 's time the Better Business Bureau steps in to see the way XXXX is doing business. '' " I have had so many issues with customer service that I can not even write them all down. First of all, during the initial installation I should have been getting it free as stated on the website. The customer service rep lured me into signing up to pay money for the same. They charge you {$35.00} for even a single day delay in payment. This is extortion to me. I tried to remove the same by asking the customer rep during a few calls when I knew the payment is going to be late. The reps purposefully kept this charge hidden from me during our conversations. It kept piling up for 3 months and grew to around a {$100.00} in just penalties for late payment.NEVER do business with this CONMEN. Service XXXX compared to other companies I have used before. Some of the other companies do NOT charge you for modem. Also these guys try to lock you into paying rental for their own modem which comes out to be {$8.00} a month. You can easily get a used modem for {$20.00}. In short, the WHOLE XXXX system is meant to be a SCAM. ''
06/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WV 254XX	Web
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX On XX/XX/XXXX I submitted in writing a letter to XXXX XXXX contesting the invoice dated XX/XX/XXXX, Document XXXX. On Monday XX/XX/XXXX my credit card was charged {$150.00} by XXXX # XXXX. On XX/XX/XXXX I received an invoice in the mail for {$80.00}. I contested the charge of {$120.00} and associated tax and fees for the fuel and service. On XX/XX/XXXX, XXXX I also disputed the charge with my credit card company XXXX. Below is a summary of events as to why I contested the charge. Monday XX/XX/XXXX XXXX Checked out a rental vehicle from XXXX XXXX XXXX at their XXXX XXXX ( XXXX ) airport. When checking out the vehicle it was identified that the gas tank was empty. The gas light was on and the tank indicator showed empty. The XXXX attendant indicated this was not a problem and that she would annotate on the rental agreement that the gas tank was empty at the time of checkout. She instructed us to return the rental car in the same condition with the gas tank empty and we would not be charged for gas. Estimated cost of the rental per the attached rental record was {$84.00}. Attached is the email they sent with the rental agreement. Monday XX/XX/XXXX XXXX Immediately after leaving the airport I purchased {$10.00} in gas at a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Receipt attached. Monday XX/XX/XXXX XXXX Returned the vehicle to XXXX XXXXXXXX XXXX at their XXXX XXXX ( XXXX ) airport. XXXX will no longer provide you with a receipt when you drop off the vehicle. They tell you the receipt will be emailed to your email account on file. From the time we left the XXXX counter till we returned the vehicle was 4 hours and 25 mins and per the receipt we drove 77 miles. Tuesday XXXX XXXX, XXXX While filing my travel claim I realized the receipt showed they had charged me {$120.00} for 14.0 gallons of gas at {$9.00} per gallon. Total amount due on the receipt was {$230.00}. I immediately contacted XXXX by phone and was told that they would have to reach out to the XXXX facility in XXXX XXXX to see if there was an annotation that the vehicle was checked out on empty. I was provided case # XXXX and told to call back on Friday XX/XX/XXXX. Attached is the email with the XXXX receipt. Friday XXXX XXXX, XXXX Contacted XXXX by phone and was told that it could take up to 7 business days for the facility in XXXX XXXX to respond. Call back on XX/XX/XXXX. I logged into my XXXX account and discovered that my credit card had been charged {$150.00} for the rental. Per the details of the charge on my XXXX account it shows the total charge of {$150.00} but that {$0.00} of this charge was for gas. I went to XXXX webpage XXXX Request a Receipt and attempted download a copy of the receipt for {$150.00} using both my drivers license and credit card and received an error message. I immediately disputed the charge online on my XXXX account, because I didnt know what it was for or why it was {$150.00} vice {$84.00}. Wednesday XXXX XXXX, XXXX Received the attached billing statement dated XX/XX/XXXX for {$80.00} notifying me of my rights. Thursday XXXX XXXX, XXXX Contacted XXXX by phone and was told that because I had disputed the charge with my credit card company they could not refund me for the gas money. A very rude customer service agent informed me that I needed to remove the dispute or I would never receive the funds. Friday XXXX XXXX, XXXX Reached out to XXXX agent and submitted the attached email. As I was preparing this response I went to the XXXX Request a Receipt to see if I could pull up a receipt and was able to print a receipt with an invoice date of XX/XX/XXXX for an amount due of {$80.00}. Wednesday XXXX XXXX, XXXX I sent the attached letter and attachments to XXXX. Thursday XXXX XXXX, XXXX XXXX received the XXXX per the attached delivery confirmation. Monday XX/XX/XXXX Submitted the attached letter by USPS requesting that they respond to my original letter of XX/XX/XXXX. Saturday XX/XX/XXXX XXXX received the USPS letter per the attached USPS XXXX XXXX XXXX XXXX XXXX XXXX Monday XX/XX/XXXX Received the attached notice from Media Collections , Inc. DBA Joseph , Mann & Creed for collection of {$80.00} Per my billing rights, on the back of the invoice, XXXX must acknowledge my letter within 30 days unless the error has been corrected by then. The error has not been corrected. XXXX was also responsible to either correct the error or explain why they believe the bill was correct withing 90 days. XXXX is also responsible to notify me if they refer me for collection and tell the collection agency that I questioned my bill. As of today the only response I have received from XXXX is the attached letter dated XX/XX/XXXX notifying me that my XXXX rental and authorized operator privileges, as well as any memberships have been cancelled. XXXX has violated my rights by not acknowledging my original letter within 30 days, correcting the error or explain why they believe the bill was correct withing 90 days, and for referring to a collection agency without notification. I have done everything in my power to work with XXXX to resolve this issue. Help!
05/23/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27617	Web
On XX/XX/2022, I found 6 letters in my mailbox from a company : Media Collections , Inc, DBA Joseph , Mann & Creed. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXXXXXX. The letter stated I owned a debit to XXXX XXXX XXXX in the amount of {$250.00} USD. I called the phone number on the letter, ( XXXX ) and asked when and where were the charges incurred. I spoke to XXXX XXXX, in the Collections Dept., Account responsible. I told him the Reference # XXXX on the letter. He informed me that this communication was an attempt to collect a debt and he proceeded to ask my name, address and phone number for verification. I was told that this debit could damage my credit if I did not pay it. I complied with the request. I asked him where is XXXX XXXX XXXX? When date did the charges occur? Where is XXXX XXXX XXXX located. He said the charges were made from online gambling and the first charge showed up on XX/XX/2022. I told him that I have never gambled online and that this was a fraudulent attempt to collect a debit that I have never made. He said that they have my name, address and SSN. He then asked if someone could have accessed my information. I responded I don't know, and that I do online shopping and recently purchased a home with a lot of information submitted online. He asked if someone in my household could have created the account, I responded no. My husband is the only other person in my household and has never done any online gambling. He does not like casino 's. The last time we were was a few years ago inXX/XX/XXXX I was instructed that I could fill out the dispute form and mail it back. I asked if there is a way to file a dispute online and was given the website address. I re-verified address for filing a dispute. i was told that I should obtain a police report from my local police department and add it to the dispute. I immediately, filed the dispute and called my local police department to file a report. I called the police non-emergency number, and gave the information to the intake person. I was asked for the date of the incident, my name, address and phone number. I was told that i would receive a phone call from an officer and to answer the call even if the number shows up as blocked on the caller id. I received a callback from the XXXX police department and proceeded to tell what happened with the letter, and phone call to the debit agency. I filed a police report, XXXX. I informed the officer about another incident involving a neighbor at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX that is using our address to receive packages. We have received 3 separate packages on 3 different days in the name of XXXX XXXX, with our address XXXX. I told the officer that the first package ( XX/XX/XXXX ) we placed on the neighbors porch. The second package, I called the carrier then the merchant, (XX/XX/XXXX ) and requested a return label. The 3rd package is from a brick and mortar store with online shopping. We have a front door camera, and we have a tape showing the neighbor picking up the package from our front porch a few minutes after it was delivered. My husband has asked the guy who lives at the house to not use our address for receiving packages. I have asked the lady who lives at the house to not use our address, and informed her that I will call the police if another package is delivered to our home. The police officer verified that the house has XXXX XXXX listed as the owner. I do not know if this incident is connected to the debit for online gambling and decided to include it since I informed the police officer. The police officer told me that if another package arrives at our home with her name and our address, to hold onto the package, call the police and they will pickup the package and deliver to the neighbor informing to stop using our address.
10/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33071	Web
XX/XX/XXXX, I rented a truck and a trailer to haul my XX/XX/XXXX XXXX XXXX for my move XXXX. The truck provided was hitched and secured by a XXXX XXXX XXXX XXXX employee. XX/XX/XXXX I began my drive. Approximately 12 hours into my trip around XXXX XXXX after crossing XXXX, we notice flames shouting out from the trailer carrying my vehicle. We immediately pulled over to the side of the road and called XXXX. Thankfully the fire department XXXX responded quickly and put out the fire before my vehicle went up in flames. The XXXX XXXX, filled out some paperwork, and then contacted XXXX XXXX XXXX Hotline, to aid us in getting the trailer replaced so we can continue on with my relocation. The XXXX XXXX with us for an hour but was then called on another emergency, and regrettable had to go. We then contacted XXXX with the number the XXXX XXXX gave us, and was told that someone was on their way to replace the trailer and they would be another hour. The person that arrived had us remove the vehicle off the smoking trailer at XXXX on an extremely busy highway ; he told us that it was not his job. This whole situation was EXTREMELY UNSAFE. We asked about the replacement trailer and I was told ; he was only to pick up the trailer. After the trailer was towed away we were stranded on the side of the road. I again spoke with XXXX which suggested that I rent a hotel, and they would reimburse us for it XXXX they never did XXXX, and call them in the morning to get the address of the nearest XXXX Store ; they would reserve a new trailer. We took their advice and rented a room XXXX. We contacted XXXX the next morning and were told to go to a location to pick up another trailer. At that time we also made them aware the truck would only go approximately 50 mph. When we arrived at the location we were told that they did not have the right trailer for us. The person behind the desk started calling XXXX asking why they sent us there when they did not have that type of trailer available. He got no answers just the run around. I then called several XXXX XXXX # XXXX only to be told they ca n't assist me, transferred me to another department or gave me telephone numbers that would just ring and ring and ring. This went on for 7 hours. Finally, about XXXX after not getting any help from XXXX, we gave up, and decided to start driving my vehicle XXXX since we were now so far behind schedule. At about XXXX I received a call from a Manager telling me " well you know things happen in life ''. He then stated that his records showed that I was using my car to pull the trailer and that I was not driving a XXXX truck which was untrue. I informed him that I would call him to resolve this issue once I reached my destination. Once I reached XXXX, I again made several attempts to contact XXXX to resolve this situation. No one I spoke with seemed to care at all about the situation. They had no sense of urgency and never called me back or tried to resolve the issue. In fact I was HUNG UP on several times. Therefore, I disputed my rental charges with XXXX XXXX. The whole trip ended up costing me so much time and money we had to rent hotel rooms, wear and tear on my personal vehicle, plus the extra gas expense etc. This trip was insanely stressful and unsafe. This company really needs to be held accountable for their faulty and dangerous equipment before someone gets killed or seriously injured. Like everyone else on the Consumers Affairs website, I wish I had the common sense to read the reviews on this company before I rented my truck and trailer with Budget Rental. The XXXX complaints are all similar to what happened with me. Attached please find just SOME of the consumer complaints & reviews
01/05/2022	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NE 685XX	Web
On XX/XX/2021 we rented a vehicle from XXXX. It was a XXXX XXXX. The contract for this rental was that we were going to rent it from XXXX and return it to the XXXX, XXXX airport XXXX rental location on XX/XX/2021. We got to the rental location on XX/XX/2021 at XXXX and by XXXX we had our vehicle. We drove to Nebraska and dropped off the car at XXXX AM. I took pictures of the gas and mileage as a safety precaution because I always do this. This picture was taken at XXXX as shown in the dash of the car and the details section of my SS from the picture. I walked in and spoke to the man at the counter. I asked for a confirmation that I dropped it off, he said that for these Home office rentals they will send confirmation via email once processed. He did not come out and check the car, but I left the keys with him. Since he did not come outside I went outside and took pictures of the vehicle to show the condition to be safe. These pictures were taken at XXXX. These picture times match the time that the car was turned in at XXXX. You can clearly see the XXXX sign and airport in the pictures as well. There is an email confirmation from the manager of the XXXX XXXX branch confirming the vehicle was dropped off ( in the attachments I have a XXXX screenshots of the email and I forwarded to my wife to show whom it was from ). The XXXX home office and branches do not communicate very well apparently. On XX/XX/XXXX XXXX sent me a letter saying I did not turn in the car at all. I have attached this letter. I called them immediately and informed them I returned it on XX/XX/2021. They threatened with XXXX time and additional actions if not turned in. On XX/XX/2021 I received a letter saying that I owed them a total of {$1200.00} and that they have already charged me {$1100.00} to my credit card on XX/XX/2021. On this statement they say I rented the car for 6 days and returned it on XX/XX/2021. I rented it for 2 days according to their policy of charging by the hour. Rented on XX/XX/2021 at XXXX and returned on XX/XX/2021 at XXXX which is less then XXXX hours which is why I say 2 days. The rate per day is {$370.00} per day and they want money for 6 days. I spoke to XXXX many times regarding this. I wrote down the names of the reps that I spoke with on that Statement. On XX/XX/2021 was my last time I spoke with them and I spoke to a manager XXXX. Each time I spoke with anyone at this company they said I was required to pay the full amount of {$2400.00} before they would " consider '' any type of reimbursement, because their " system '' will not allow for corrections until full payment is received. Nobody ever once said I can write a letter to them. I learned of this after I flipped over the statement. I read I can send them a letter within 60 days of receiving the statement. So I sent it via USPS expresXXXX 1 day delivery. They received it on XX/XX/XXXX. They did not respond to me except via the letter saying they have revoked my membership and cancelled everything due to not paying. Which I technically do not owe them anything they owe me money still. The total for the bill was {$2400.00} of which they charged me {$1100.00} and that leaves {$1200.00} unpaid. I received a collection letter from a debt collector for the amount of {$1200.00}, because I did not pay XXXX that amount, which I have disputed. I have paid XXXX more then they should have gotten. I paid them {$1100.00}. I should only be charged for 2 days at {$370.00} per day ( {$750.00} ) and 11 % taxes ( {$82.00} ) which comes to a total of {$830.00}. Since I already paid them {$1100.00} they owe me {$300.00}.
12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 971XX	Web
On XX/XX/XXXX, I opened up a XXXX account for my business, XXXX based on the information that I received searching online for a credit card processing company. After reviewing the products it did not have the capabilities that we needed for the business as far as inventory tracking and customer management and times they deposit the charged amounts into our account so I called them back 2 days later ( prior to even setting up the store and system ) and cancelled it. They sent us an accepted termination form showing that if we return the equipment and the letter then they will " waive the termination fee '' something that the rep said we do n't have to worry about it as we never had XXXX charge on the account for a customer and did n't even start using it. We sent the signed early termination agreement back in the FedEx package along with the equipment. The company never said they did not receive either. 2 years later, XX/XX/XXXX, we hear from a 3rd party collection agency, XXXX Joseph , Mann & Creed That we owe XXXX over {$2000.00}. For What?? I called JMC to advise that we have a contract cancellation so he asked to get it sent to him for review : From : CS - Customer Service & lt ; XXXX & gt ; Subject : XXXX [ XXXX ] XXXX - JMC File # XXXX Date : XX/XX/XXXX at XXXX PST To : " XXXX '' & lt ; XXXX & gt ; Re : XXXX [ XXXX ] XXXX - JMC File # XXXX Please provide copy of Cancellation Agreement affirming no balance owed. Please confirm receipt of this communication. This is an attempt to collect a debt, any information obtained will be used for that purpose. This is a communication from a debt collector. Regards, XXXX Joseph , Mann & Creed XXXX, XXXX XXXX ( XXXX ) XXXX / Fax ( XXXX ) XXXX XXXX I replied immediately with a copy of the agreement as requested. One that had been sent to XXXX when equipment was returned. In XXXX of this year XXXX sent us an email trying to collect {$5.00} ( attached herein ) From : XXXX & lt ; XXXX & gt ; Subject : Important notice regarding your merchant processing account Date : XX/XX/XXXX at XXXX PDT To : XXXX & lt ; XXXX & gt ; Reply-To : XXXX & lt ; XXXX & gt ; An important message from XXXX Merchant Identification # : XXXX Dear XXXX, You are receiving this letter because we continue to have difficulty collecting your end-of-month fees or other financial obligations associated with your credit card processing account ( s ). You have an outstanding debt due to XXXX for the amount indicated below : Balance Due : {$5.00} The outstanding amount owed to XXXX is due immediately. However, we realize that your business may have a special circumstance requiring some accommodation. Please contact our Collections Department at XXXX Monday through Friday between XXXX and XXXX EST within 10 days of receipt of this email. We would like to have the opportunity to assist you with resolving this matter. Your prompt attention is greatly appreciated. Thank You, Collections Department XXXX XXXX ( C ) XXXX XXXX. All Rights Reserved. PayAnywhere is a registered ISO of XXXX., XXXX, XXXX. and XXXX, XXXX, XXXX. After submitting all this to the collection agency, they said that although the early termination fee was waived, the monthly fees are still incurring and after talking with XXXX they were advised to continue with the collection. After telling them that it does not make sense, rep spoke with her manager who said, no monthly fees but now they will take {$380.00} for early termination fee. Something previously waived.
04/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60120	Web
This morning I noticed that a collection account was showing on my XXXX credit report. I was petrified because i dont have any debt that i know of and no one has ever contacted me regarding any debt. After looking into it further it turns out that this purported debt is regarding internet equipment that I returned to XXXX back in XX/XX/XXXX. I returned the equipment via their iwn provided box and return labe. Shortly after returning it they sent me a bill of {$230.00}. I called them and they claimed that i had not returned the Modem, I provided the XXXX tracking number ( attached ). After verifying that they received the equipment they later claimed that they received the equipment broken/damaged. It definitely sounded like they were scamming me with the changing reasons from not received to Broken/damaged. I told them that the equipment was operational when I returned it. I also made a claim with XXXX just in case it was broken during shipping. XXXX wanted some proof of the broken equipment before they could process the claim. I contacted XXXXXXXX XXXX who told me there were no Pictures or evidence that they could share with me or with XXXX. I told XXXX that without any proof of damage XXXX wouldnt pay the claim. I made that clear and waited for proof of the damaged equipment however it wasnt forthcoming. I never received any proof or evidence that indeed the equipment was damaged. Fast forward 1 year later XX/XX/XXXX It appears to me they reported my account to a collection Agency called Joseph Mann and Creed. However this collection Agency has never spoken to me about any debt. I called them after getting their contact information from XXXX credit report. They claimed that they called me several times and sent a letter to my address. This isnt true. USPS sends me emails with photos of my mail everyday before the mail is delivered. I looked at those emails for the period that Joseph Mann and Creed are claiming to have sent it, however there is no letter from them. Had I received a letter or a message, I would have definitely responded especially given the fact that the XXXX bill is disputed and its XXXX who have the burden of proof to show that the returned equipment was indeed damaged. To this day XXXX has not provided me or XXXX with any proof that the returned equipment was defective. Joseph Mann and Creed didnt leave any phone message or email me despite the fact that they have my email address. When I asked them about that they stated that they couldnt violate my rights which i find amusing given the fact that they destroyed my credit which to me is worse that sending me unsolicited emails. They could have left a voicemail if indeed they called me during working hours when I was at work. They reported my account to credit bureaus dropping my FICO score by XXXX points even though they have never spoken to me. I pointed it to them that its illegal to report to credit bureaus without making a real honest attempt to contact me regarding any Debt. If they really wanted to contact and get hold of me, they would have done so. Instead they reported a disputed account that has resulted in me having a derogatory credit.
01/18/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	KS 660XX	Web
( For context, this all took place between XXXX XXXX and XXXX XXXX ) I had an account with XXXX XXXX for my apartment 's wireless and cable. I tried to transfer it into my roommates name before I moved to KS that XXXX ( XXXX ). She declined to continue service with them, and I arranged for them to come pick up the box. They did not show up, despite multiple attempts. I did not have a car at the time, and my roommates were unable to get to the only store in the area ( many miles away ). I moved in XXXX and attempted again to schedule a pick-up, to which no one showed up, again. Fast forward several months, and XXXX attempts to collect a debt it says I owe. I refuse, since I am now 1500 miles away and availed them of numerous opportunities to pick up the box while I was living in the area, and they never showed up. After a few phone calls, I arranged with one of my roommates to ship the box to XXXX. She said she had, and as of XXXX XXXX I assumed all was well. Come XXXX I get a call from XXXX XXXX XXXX XXXX a collection agency, saying that my account is now in collections and that I owe over {$400.00} for the box, but that they would settle for XXXX {$300.00}. I maintained that they should have received it, and that I would check with my former roommate to follow up. As I am still 1500 miles away, I am limited in how much I can do in this situation. After several conversations with an extremely rude, pushy, and impatient collections agent, I offer to spend the XXXX break trying to determine exactly what is going on. I come to discover that my former roommate believes it was stolen. Since I can not do much in any way to manage this situation, I call XXXX after the break and attempt to reach a payment arrangement that fits within my tight budget. This is where my complaints come in : the collections agent I spoke with was extremely bullying, twisting my words, pressuring and pushing me, and refusing to agree to a payment arrangement I can actually afford ( I proposed $ 25-50 per paycheck, for a repayment schedule of 6-10 weeks ). They repeatedly called me while I was at work, despite my repeated requests that they not call me between the hours of XXXX XXXX and XXXX XXXX CST. ( They were extremely indignant that I would make any such request, and became very angry. ) They demanded I pay two {$140.00} payments, the first by the end of the month ( XXXX XXXX, precisely, and the second XXXX XXXX ), which I stressed I can not afford. They began berating me and twisting my words to make it sound like I was misleading her all along. They refused to send me a bill, or allow me sufficient time ( an extra two weeks ) to make sure I have enough money set aside, and refused to give me anything in writing ( which really upset me, as I prefer to have everything in writing ). I tried to explain my situation and come to a reasonable and fair settlement, but the collection agent was extremely hostile, continued to misrepresent my words and badger me about the situation, and made me extremely uncomfortable. The entire time we were talking, they insisted that I was being unreasonable.
04/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90046	Web
On XX/XX/XXXX, I received a letter from some collection agency called XXXX XXXX XXXX XXXX claiming that I owed XXXX {$110.00}. I called them on XX/XX/XXXX to explain that I had no outstanding debt to XXXX, spoke to XXXX XXXX. At her request I emailed her a letter on XX/XX/XXXX explaining that there was no outstanding debt. I explained that nine weeks after the conclusion of my rental XXXX had tried to charge me for damage that did not occur. I disputed the charge. That matter was resolved in my favor and I attached the letter of confirmation that I had received from my credit card on XX/XX/XXXX. On XX/XX/XXXX I received call from someone identifying himself only as " XXXX '' at this agency. I returned his call and repeated that I had already provided them the documentation of no outstanding debt. At this point he made the following false claims in violation of the Fair Debt Collection Practices Act. " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ... The false representation of -- ( A ) the ch aracter, amount '' He claimed : -that the collection was for not for the bogus damage charge but rather for the cost of the entire car rental. -that my credit card has issued a charge back for the amount of the car rental so that, in his words, " it was as if you had in fact rented the car for free '' These claims are 100 % false. He also refused to provide me with his full name. He demanded my email address, which they clearly all ready had, and reminded me that the call was being recorded as if he were not the one harassing me. In short, here are the facts : -The car was returned on XX/XX/XXXX. -The receipt showed a final charge of XXXX Euro. -The charge posted to my credit card on XX/XX/XXXX in the amount of {$360.00} ( XXXX Euro x the exchange rate at the time 1.17589068= {$360.00} ) That credit card bill was paid in full by me on XX/XX/XXXX. -Obviously the charge of the rental was paid in full as the amount on my credit card bill matches the receipt I was given when I returned the car. -Additionally, no charge back was initiated by me or by my credit card regarding this invoice. -XXXX submitted a bogus damage charge of {$120.00} more than two months later, which appeared on the XX/XX/XXXX bill of my credit card. -This charge was always characterized by XXXX as a damage charge. -I did dispute that charge. -The matter was resolved in my favor. XXXX accepted full liability and issued a credit. -I received a letter of confirmation of the permanent credit on XX/XX/XXXX. -The amount was for {$120.00}. Clearly this is the {$110.00} they are harassing me for, taking into consideration the difference in the exchange rate over time ). {$120.00} is 1.16504853 {$110.00} is 1.13446602 I emphatically stated that he was not to contact me in any way in the future regarding this matter.
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
Hi my name is XXXX XXXX I'm the owner of the XXXX XXXX company XXXX XXXX XXXX XXXX. In XXXX of 2021 we have contracted ability network to provide us with a billing software to bill Medicare patients that we provide durable medical equipment to. Unfortunately, they were not able to provide us any adequate training. for example, normally when you buy a software the software provider would give you several training sessions, more or less, based on how complicated the software is, then as you start using the software, they are available at least for the first few weeks to guide you and answer any questions that come up, as they always do. In this case however, as soon as we signed up they began billing, without providing any training. We had to run after them to provide us with some training, finally they scheduled a training day in a couple of days out, in the mean time we were not able to use or even play around with the software to figure it out because we had not been given any log in or anything to even see the billing software. Finally we got around to the training date and we got to speak with someone, she told us a whole list of things that we would need to obtain from Medicare so we can start billing, the things we needed were mostly things we have never heard of with very unfamiliar names and terms, we started trying to get them, in the process many questions came up and whenever we needed clarification even on minor things we would have to schedule an appointment for a few days out to discuss, all the while we are continued to be billed. despite all of that we continued try 'an make it work, we scheduled, waited, asked, and then scheduled again waited again and asked again. remember, we are still not able to do anything with the software, let alone bill, which that is the entire purpose of the software. Finally we thought we got everything they told us we need, we sent it over to them, eventually they came back and told us that the packet we received from Medicare is for the incorrect region, when we asked them which one is the correct region the answer was that they don't know and we should find out our selves. At that point we were already tired of this, so I sent them an email asking them to stop billing us, since they are not able to provide effective training and we have so far never used the software, something which they do not deny. A little after that email we began receiving emails from them about more training, but we were already tired of this unheard of process, but the bills kept coming. Now we received a collection letter of {$1400.00} for something we were never able to use, this is completely outrages.
03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02128	Web
I received a letter dated XX/XX/XXXX last week from a collection agency called XXXX XXXX XXXX XXXX alleging that I owe XXXX XXXX XXXX {$69.00}. I emailed them to dispute the debt and they mailed me their 'verification ' of the debt, this letter dated XX/XX/XXXX. The verification is the top page of what would have been a billing statement from XXXX, dated XX/XX/XXXX. My issues with this are as follows : As of XXXX, I had already paid my entire debt to XXXX. This was in fact a lengthy back and forth process as they tried for force me to pay to return my equipment despite being in the middle of a pandemic. Over my XXXX years with XXXX, I had numerous ( and documented ) incidents of XXXX throwing random, unexplainable charges to my bill and not being able to tell me what they were for. There was one incident where they charged me a fee, and one customer support agent told me it was for one thing, and another agent told me it was not at all for that reason, and no one could come to a consensus as to why I was ever charged said fee. I DO NOT owe XXXX this money, and I attempted to at least get a copy of the statement they're claiming I owe money on from XXXX and they simply told me " This is with the agency now, you need to deal with them. '' Well, the agency only sent me a header page so I can not see an itemized breakdown of what XXXX alleges that I owe. Additionally, XXXX has broken the law by sending this alleged debt to collections. Not one time did I ever receive an attempt to collect it by XXXX. They claimed today via live chat that they 'sent multiple letters'- this is not the case. Not only did they not arrive to my current ( new ) address, but they did not arrive at my prior address either as they were neither forwarded nor did the new tenant contact me about any mail ( she has my contact information ). It is unlawful for XXXX to send a debt to collections without attempting to contact me first. This was, again, a pattern with XXXX during the time I was using their service. Several times, in fact, they would add some random charge to my bill, and when I reached out they would claim they " sent multiple letters '' that I never got. They lie. This should be a known fact to you at this point. They make up numbers and throw them at a wall to see if they will stick - and so far in my case, they've won every time. I absolutely refuse to allow XXXX to XXXX me into paying money that I simply do not owe them. I want this debt erased and I believe this company should be investigated at the federal level.
12/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95135	Web	Servicemember
Dear Sirs : XXXX XXXX XXXX XXXX a debt collector, is attempting to collect debt not owed by me. I do not owe anything to the company, XXXX XXXX they 're representing. In fact, XXXX XXXX confirmed that they were giving me credit for the fraud that they tried to perpetuate on me. So by XXXX XXXX XXXX XXXX XXXX representation and extension, I am filing a complaint to stop this misrepresentation and stop a potential re-occurrence of fraud. I attach all the related documents. Here is a summary of the sequence of events. 1. On XX/XX/XXXX, my wife and I reserved/rented a car with XXXX XXXX in XXXX for four days and returned it exactly as per rental agreement. 2. On XX/XX/XXXX, XXXX XXXX issued a fraud alert saying XXXX XXXX attempted to charge us for {$120.00}, which the bank declined. We had no idea what the charge was for. 3. On XX/XX/XXXXXXXX XXXX ( XXXX ) emailed me saying my car was overdue. I replied right away saying I returned it on time. 4. OnXX/XX/XXXX XXXX XXXX, rather than replying to me, charged me an extra {$280.00} ( equivalent dollars ) through our XXXX XXXX without explanation. Looking at the charge, they claimed I returned the car 3 days later. 5. Sensing fraud, I immediately disputed said amount through XXXX Fraud Alert department. 6. After a back-and-forth with XXXX through XXXX and explaining what happened presenting evidence that we left the country on XX/XX/XXXX, XXXX finally gave us a credit through XXXX and bank notified us onXX/XX/XXXX that this was resolved. 7. Despite this, XXXX sent us a collection notice directly by mail and followed up by email in the person of XXXX XXXX on XX/XX/XXXX - about two and a half-months later. I replied right away that this has been resolved and their company sent me a credit note, which I attached in my emailed reply. 8. XXXX XXXX XXXX acknowledged it but still insisted on payment. She threatened sending the already resolved dispute to a collection agency. This is extortion. Why would I go through another potential misuse of my card? ( Please note that there was a fraudulent charge from an XXXX vendor while the dispute was going on. I only used the XXXX card for XXXX XXXX and nothing else. ) 9. JXXXX XXXX XXXX XXXX through their representation, is perpetuating this fraudulent charge without verification.
11/01/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98103	Web
I rented a car from XXXX XXXX in XXXX on XX/XX/XXXX to XX/XX/2018. The cost quoted for the rental ( Confirmation # XXXX XXXX was {$180.00}. In the evening of XX/XX/XXXX, the engine of the car began to have issues and broke down. I called XXXX and on the phone they said they would cover the cost for the tow of the vehicle and for my Taxi to XXXX ( but instructed me to pay only for the taxi and submit for reimbursement ) and that they would provide a new car in XXXX. I did all of this. Upon returning back to the USA I noticed a charge in the amount of {$850.00} of which there was a XXXX Euro " Customer Road Assistance Charge '' which I not only did not authorize but also was explicitly told would be covered by XXXX. I also have comprehensive rental car insurance through my XXXX credit card but did not submit to XXXX for this cost as XXXX said they would cover the costs. In XX/XX/XXXX, I contacted XXXX XXXX by phone and by email to ask that this over charge be removed ( XXXX Customer Care Case # XXXX ). I was told " branch management '' would review but I never heard back despite emailing again to follow-up. So I then disputed the transaction with my credit card. I submitted my documentation to XXXX for the disputed amount of {$660.00} ( the difference between my reservation quote and the disputed charge ). XXXX XXXX submitted their documentation and in XX/XX/XXXX XXXX sided with my claim that the charge was fraudulent and reversed the extra {$660.00} charge and closed the dispute ( I have the communication from XXXX if needed ). In XX/XX/XXXX, I was sent a communication from XXXX, XXXX, and XXXX XXXX XXXX ( XXXX, OH ) that " XXXX/XXXX XXXX XXXX '' has requested that they collect from me an amount of {$590.00}. In early XX/XX/XXXX, I filled out the online XXXX Account Dispute for XXXX, XXXX, and XXXX that this charge is not valid. by XX/XX/XXXX, I had not heard a response so that day I sent a certified, signature required letter that the debt be validated and that the overcharge be disputed ( XXXX File # XXXX for client # XXXX ).
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22204	Web	Servicemember
This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.
06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10027	Web
I received a voicemail from a woman calling from XXXX. My phone registered this call as " Potential Scam. '' The voicemail implied that I had an outstanding debt with " XXXX XXXX XXXX, '' which had gone to collections. I was told I owe over {$1200.00} and that I had to call back the caller ( whose name was garbled and I could not make out ) at a different number than the one she was calling from. The number the caller provided to call back was : XXXX. She also provided an " account number '' that I was to provide upon calling back : XXXX. This woman also said she worked atJoseph, Mann & Creed, a debt collection firm. The woman used my first name, but not my last name. I have no idea what this debt could possibly be connected to and I believe it to be completely bogus. I have never had an insurance policy with " XXXX XXXX XXXX. '' I am careful to pay off all of my debts in a timely manner, and my credit report, which I downloaded today ( XX/XX/2020 ), indicates that any debts I have are associated with credit cards that will be paid off in the next billing period ( as I pay down my balance each billing period ). It is also worth noting that I have received no mail about this alleged debt and this cryptic voicemail is the first I've heard of any outstanding balance -- or even of the company I allegedly owe said balance to. Moreover, a search for Joseph , Mann & Creed reveals that numerous other people have been contacted by this company with the same claims. Individuals who complained of the same issue also indicated that they had never heard of XXXX XXXX XXXX.
07/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21215	Web
I contacted XXXX XXXX to have a door put in my basement. XXXX XXXX and I had discussed some issues that we were having with the completion of the project. I have been in communication via email with the manager XXXX and explained to him that I was dissatisfied with the service he responded through email stating that he will contact me back. Since XXXX of last year I have been calling and calling and he had not answered the phone. Finally, in XXXX I gave up calling. XXXX I received a debt collection. I contacted the debt collector and let them know that I want it to dispute the total charge because I didnt get call back from the store manager. The debt collection manager put in a request to speak to XXXX XXXX XXXX manager but no one has responded back it has been well over 30 to 45 days and I have emails from the debt collector stating that XXXX XXXX has been non-responsive to them as well. I do not feel this is fair to me as a consumer when I have been trying to resolve this since XXXX of last year. I have Phone records and emails from both XXXX XXXX and the collection agency and no one is able to tell me anything. The collection agency is telling me that the results of my dispute will remain open indefinitely until XXXX XXXX decides to respond to my complaint. my dispute was filed XX/XX/2022 with Joseph, Mann, Creed. If necessary please let me know because I have phone records I am able to show you from XXXX showing I have been calling the store as well trying to get in contact with the manager.
11/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21158	Web
I rented vehicle from XXXX around end of XXXX. By the time I reached the counter it was late and I had my toddler in my arms. I signed for the vehicle and did not realize that company had tagged on additional fees. Next XXXX I called XXXX and explained that I didn't agree to the services. They said at this time we can't help me. I then called my credit card company ( XXXX ) and explained them what happened and filed a dispute. The original amount XXXX charged was {$670.00}. The disputed amount was {$150.00}. After few days I received letter from XXXX stating that dispute went in my favor and XXXX will credit me {$150.00}, which they did in early XXXX. XXXX months later on XX/XX/XXXX, with no prior communications, I received letter from Joseph Mann & Creed that my account was reported to collection agency. I was furious to find out that despite making payment of the entire amount of {$670.00} was reflected on the collection document. XXXX is refusing to listed to my concern and so is the XXXX collector agency. I response I am getting is " it is what it is '' and you owe the debt. I have near perfect credit and have never missed any payment. Further, credit card company can confirm that my account is current and all payments have been made to XXXX. These are the times when vendors are taking advantage of consumers and reporting to debt collector to collect double payments. This is wrong and immoral on so many levels.
06/10/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TN 384XX	Web
I had XXXX install Internet service on XX/XX/XXXX. I paid with my XXXX XXXX card. Two days later I calked to cancel. XXXX agreed, but the next month I got another bill from them. I called, they apologized and said it would be corrected. I contacted XXXX XXXX and put a stop on XXXX receiving any more funds. XXXX XXXX attempted to communicate with XXXX about a resolution. XXXX never responded, so XXXX XXXX resolved the situation in my favor and issued a refund to my account. In XX/XX/XXXX I got another bill from XXXX. The agent said they had never seen anything like this. They said that there was an issue with the refund and they couldnt figure it out. I told them to contact XXXX XXXX to figure it out, and to quit billing me. I received a letter from JXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter states that they are trying to collect a debt of {$110.00} on the behalf of XXXX. I called their contact number and spoke to a male CSR. When he asked me if I wished to dispute it and I said yes, that I didnt owe anybody anything, he started yelling at me and would not stop. I asked him repeatedly to stop, but he just kept yelling at me. This went on for a couple minutes, and the guy would not stop yelling, not for a second. I finally hung up on him.
12/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45244	Web	Servicemember
I originally rented a car thru XXXX XXXX XXXX Co in XXXX, XXXX from XXXX the original agreement was for {$1100.00}. Upon my arrival I found that my rental agreement was " sold '' to XXXX XXXX car without my knowledge or agreement, I was charged an additional {$710.00} for the exact same rental and timeframe ( Total {$1800.00} ). Upon my return, I disputed the amount thru my credit card company ( USAA ) who conducted an investigation and found I was responsible for the additional {$710.00}. XXXX then credited back the difference. Since final adjudication, I have been sent threatening letters, emails, and harassingly phone calls from XXXX to pay the difference. I attempted to resolve this on multiple occasions both with XXXX and XXXX credit card services with no success. I recently received a debt collector notice from XXXX XXXX XXXX, XXXX XXXX, XXXX, and Creed ( Twinsburg, OH ) once again trying to collect the difference. ( NOTE : They reference XXXX not XXXX in their notice. ) I contacted the debt collector on XX/XX/2022 and was met with extreme unprofessionalism, harassingly, and threatening responses when I tried to explain the situation and resolve the dispute. The case # XXXX ( XXXX case number ), and reference # XXXX ( XXXX Collector )
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20878	Web
To Whom It May Concern : I received a call from an individual from Joseph Mann Creed who was attempting to collect a debt on behalf of XXXX XXXX XXXX. There are several problems. First, Joseph Mann Creed contacted me on my mobile phone using an autodialer. When I answered my phone, I was told to hold by an automated voice. I was then placed on hold for about a minute ( perhaps less ), and was then directed to a lady seeking to collect on a debt. I have never provided any written consent to be called on my mobile phone. Second, I do not owe any debt to XXXX XXXX Rental. This is purported to be for damages on a car rental in XXXX. I asked XXXX to provide me with ( a ) time-stamped photos that were taken from the rental prior to mine, and the rental thereafter, ( b ) at least XXXX estimates for the supposed damage, which I suspect is a scratch, and ( c ) documentation that the car had been repaired since I allegedly damaged it. XXXX refused to provide me with this information, and instead told me that my only option was to dispute the charges with my credit card issuer ( which I did XXXX. XXXX subsequently sent the account to a collection agency.
10/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78626	Web
This company Joseph Mann & Creed is trying to collect {$97.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Joseph Mann & Creed with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Joseph Mann & Creed. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Joseph Mann & Creed. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
05/09/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 864XX	Web
I was a customer of XXXX for about 8 years, I moved and cancelled my service on XX/XX/XXXX directly with XXXX, they said they would send something to send back the modem, however I never received any package or envelope. I still have modem. I paid the final bill in XX/XX/XXXX, but now XXXX XXXX XXXX XXXX Collectors are repeatedly calling multiple times per day at my place of employment trying to collect {$480.00} that they claim I owe XXXX. I tried calling XXXX but didn't get a call back from their executive office, I left a voicemail and also had a XXXX representative who took the information down and said someone would call me. I wrote them a letter with no response. I have asked the collection company to stop calling that I don't owe the debt and one woman threatened that she would see me in court then. But they keep calling. the collectors are rude, abusive and forceful, they don't listen that I don't owe this debt, and they call too late and too early in the a.m. they have called at my employer as well asking for me. The collectors refuse to give their names. they give the name of the agency but not their names.
03/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 92708	Web	Servicemember
XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. And since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. If there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. I hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like.
11/04/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	VT 056XX	Web
I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat deceptive.
12/03/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT 06830	Web
Dear Sir / Madame. I received a collection letter from a collection agency, Joseph, Mann and Creed, for the amount of {$80.00}. This is in regards to an amount I disputed with XXXX Car Rental which has been subsequently been resolved with my credit card company, XXXX. As a matter of fact, it was resolved with CFPB 's assistance via case # XXXX. I've attached the resolution letter from XXXX. My understanding is XXXX has resolved this issue with XXXX so I'm perplexed why I'm getting a collection letter from the collection agency. Not only that but it seems XXXX has suspended my renting privileges with their company as well as my XXXX XXXX status. Again, the {$80.00} was incorrectly charged on my XX/XX/2021 rental and therefore should've been correctly reversed by XXXX. XXXX XXXX XXXX. The letter from XXXX says they resolved the issue with XXXX for the amount of {$80.00}. However, the original complaint was for {$80.00}.
05/02/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	OH 43016	Web	Older American
I tried using an electronic service to transfer funds. The transfers were unsuccessful. No explanation why was provided. Based on the information it appears the card number used is incorrect. At the time of entry, I was not made aware of any issue. I was informed that the transactions had not been executed. I subsequently received a letter from the service that they are required to pay these charges to the party that I was trying to send them to. I have not been able to confirm if they actually paid these charges and I can confirm I did not receive them in my account. I disputed the charges but received no explanation or information on why the transaction were initially processed then rejected but never completed. The disputed charges were sold to a collection agency. The collection agency is trying to collect without any knowledge of the original charges or any explanation of the original transactions.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23228	Web
I used to work at the XXXX and had money for a subscription taken out of my paycheck. When I stopped working there, the paper stopped coming because there was no longer a paycheck to draw from. I never received a bill from them as I was not getting the paper. I received a notice that they sent a relatively small sum to a collection agency, Joseph Mann and Creed. I emailed the human resources director and was told the billing department was handling it but she refused to give me a contact person. I finally got someone on the phone who told me the account was closed, the balance was XXXX but that dealing with the collection agency was " my problem. '' Even though the letter says " The XXXX has requested ... '' This is not my debt. They are refusing to fix it. I have perfect credit and can not get help.
07/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22406	Web
During banking fraud on my XXXX XXXX checking account I discussed with XXXX XXXX XXXX customer representative that after my last payment I was no longer going to need service for the internet on XX/XX/XXXX they sent an email to discuss why I wanted to terminate my service with a survey. They agreed I was all paid in full and please send me a letter and what I need to do with the equipment. I never received the letter but my service was disconnected so I never used the system again. In XX/XX/2019 I received a letter from Joseph , Mann & Creed, a Collection Agency requesting {$78.00}. Without proper billing how do I know that is what I owe and how did XXXX XXXX XXXX arrived to that amount? I have been a customer for over 10 years and always received an email or statement.
08/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30736	Web	Older American
A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. I have asked for proof of my alleged debt and all they send is account statements.
05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08816	Web
My name is XXXX XXXX and I received a bill from Joseph , Mann & Creed ( Debt Collector ) for a bill due to XXXX XXXX for some service done with statement date XX/XX/22 at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Last year at this time, I resided in New Jersey. I have absolutely no associated to this address and have the documents to prove my residency. I spoke to the debt collector and they also confirmed that birthday of this XXXX XXXX XXXX did not match my birthday. They recommended me to file an online report to have investigation done if someone is impersonating my information or they just somehow have the wrong XXXX XXXX and got my information illegally. Please investigate this matter further
09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20707	Web
On XX/XX/2022, at about XXXX, I was robbed by armed robbers who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from XXXX XXXX at several locations. Media collections, Inc. XXXX Joseph , Mann & Creed which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84094	Web
Recieved a letter stating i owed a debt from XXXX XXXX ..i currently have a credit line at XXXX XXXX contacted there fraud service they stated my credit is in perfect standing and have no idea what it is... i contacted XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX the XXXX of XXXX XXXX mountian stadard time they at one point said the debt is not with home depot but could not give the name of where the debt was from..I then asked for original doc of debt they stated they will try to get it. Legally they need to give me company name i owe the debt to and have failed instead giving me a false company i which my credit is perfect.Im seeking full compensation allowed..
08/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34476	Web	Servicemember
I received a collection letter from a company named XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018, collecting on debt from a XXXX XXXX XXXX in the amount of {$1400.00}. I submitted a debt validation letter to them within the 30 day period. I have no knowledge of this debt and want to know if this is a scam. I am a licensed attorney and will fight this unlawful collection attempt to fullest extent of the law. But, would appreciate your help on this manner, if you are familiar with this company attempting to collect this debt. If they have complaints on file. How do I go about getting access to those complaints or record of action taken against them. Thank You for your help.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 78728	Web
A representative from Joseph , Mann & Creed called and left me three erroneous voicemails for a person I do not know in any way. One of the messages was very accusatory, as though I was definitely the person they were hounding. I called to voice my irritation and request they remove my number and the same representative was extremely condescending, short and still rude. I demanded an apology for the rude voicemail he had previously left, to which he angrily retorted, " For what? For what?! '' Clearly, he had forgotten himself. He then apologized in a decidedly not sorry, smarmy tone. Not at all a pleasant experience for something I should never have been involved in.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92069	Web
Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).
03/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53214	Web
I called Joseph Mann and Creed XX/XX/XXXX when I saw a derogatory mark on my credit score with an associated collection amount of {$280.00} past due for XXXX XXXX XXXX in a different state with a different email and phone number. The account was opened and charges were made under my name and social security number. This is a fraudulent account and identity theft. I called immediately to make them aware of the situation today ( XX/XX/XXXX ). They said the account was first opened on XX/XX/XXXX. This is the first I am hearing of it because it showed up on my credit score report on my bank account.
10/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	UT 841XX	Web
On XX/XX/19, I was contacted by Joseph, Mann , & Creed stating that I owed an amount of some {$200.00} amount to XXXX XXXX XXXX. I was never contacted by them via writing ( as required ) prior to communication attempts by the company. I have double checked my USPS Informed Delivery and have no receipts of their attempts to mail me the required information. I called them back and told them I was disputing the charge as the charge back was legitimate due to not receiving items that we were charged for and XXXX did not reply to XXXX 's numerous attempts to contact them within the time window.
01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21227	Web
I have been contacted by a debt collection company ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX to collect a debt to XXXX XXXX This is not my debt, when I called XXXX XXXX with the account number nothing came up on their end, so I believe this XXXX be a fradulent attempt to collect a debt that I had no incurred. Additionally, I was contacted by XXXX of XXXX, somebody used my drivers license number and information ( but an incorrectly spelled name ) to rent equipment that was not returned. I have never rented from XXXX so I believe my identity has been compromised.
11/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MA 02155	Web
The Joseph , Mann & Creed company sent me a mail which saying I owed XXXX {$670.00} with account XXXX ( see XXXX ). I checked XXXX using searching tool provided by XXXX official website ( XXXX XXXX XXXX XXXX XXXX, the XXXX shows I was charged XXXX USD and the amount due is {$0.00} ( see attachment ). Besides. how am I able to successfully return the car if I didn't pay the bill? I'm wondering why youstill want to me pay again even though the bill is already paid? This collection makes me nervous all night and won't trust this company again.
06/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48187	Web
Prior company account was closed, several times because they kept it open after several times me closing it, sent me multiple letters claiming a false amount owed, several times this is after i recieved written communication from representative that account was closed and amount owed was a total of {$210.00} they sent me letters stating over double was owed, i sent several communications with them advising that amount owed was false and needed correction before payment. company refused to respond and sent it to collections.
09/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 333XX	Web
I am getting rude, harassing, and illegal calls from XXXX ( XXXX XXXX XXXX XXXX XXXX ) telling me I have to pay a debt that is in someone else 's name for something they owe in Maryland. I asked them to stop calling as I am not the person they are looking for as it is a wrong number. XXXX is not my name and I don't live in Maryland. I have not signed anything anywhere in Maryland. In response, the caller started yelling and screaming obscenities to me and telling me I have to pay this debt that doesn't belong to me.
03/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18015	Web	Servicemember
This is a duplicate Debt Collector XXXX XXXX referred, the first one XXXX XXXX deleted it from my Credit Report once I showed proof of payment through by bank. In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!
07/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95824	Web
XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.
11/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97005	Web
Explained this was fraud and not my debt. The original person hung up on me. Called back and got a second person. They explained XXXX was the original debtor. I told them it was fraud. They asked I send a copy of the police report to XXXX I did that and the agent then hung up after telling me that I'm angry and they are trying to help. I informed them to let the original creditor know it was fraud and I would pursue further legal representation if account was not removed.
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23320	Web
XXXX collection companies claim that we owe them a small amount but will not provide supporting documentation. The name on the collection letter is similar to ours, but that name was actually used by someone infringing on our trademark several years ago. For the past 2 months, we have received collection letters from different agencies and same account number. I have requested supporting documentation ( email and written ) in both cases but have not received a reply.
08/12/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MD 21222	Web
Joseph Mann and creed have contacted me twice at work now. The first time of contact was on XX/XX/21 around XXXX. My job is for XXXX XXXX. Its a XXXX XXXX. They call there asking to speak to me. First thing is first I dont owe anyone any money to begin with. Second you cant call an XXXX XXXX to collect a debt. I told them to stop calling in shorter terms. They have again called at my place of employment on XX/XX/21 at XXXX. This needs to be taken care of and stopped.
06/05/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AL 36695	Web	Servicemember
I was contacted by phone by a representative of Joseph , Mann & Creed about a debt to a company called XXXX for payment of a motorcycle monthly bill of XXXX. My bank was referenced as the connection to the debt. I told the representative that I will call my bank and call them back. I spoke to a rep from my bank that owns has the lean on the motorcycle and they assured me that the account was in good standing just as the bank website is reporting.
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
02/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92116	Web
Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you!
12/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a debt.
09/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30316	Web
Debt collector calls my phone multiple times but does not speak on the other end. I have no knowledge of any debt from this collector. Moving forward, I request that all communications are via US postal mail. This debt collector does not have permission to call me or any person affiliated with me regarding this matter. I also request a written verification of this debt.
08/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10023	Web
I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95667	Web	Older American
XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.
02/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL XXXXX	Web
MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 625XX	Web
Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.
07/24/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30082	Web	Older American, Servicemember
This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING ME
03/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 294XX	Web	Servicemember
I have never done business with Media Collections , Inc Joseph, Mann and Creed. I do not have a signed contract or a verbal agreement with this company. Media Collections Inc, Joseph, Mann and Creed is using the US Postal service to defraud me of money. This is extortion and I will be forced to notify the postal inspectors.
11/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DC 20020	Web
I just checked my credit files and notice that Joseph Mann & Creed, filed a false account on my credit files. I disputed this before with another company and now they sent it to Joseph Mann & Creed and now they are calling me and make false claims to collect this debt. This is not my account and does not belongs to me.
02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95758	Web
My children did not attend this program for the XX/XX/XXXX-XX/XX/XXXX year, I have told the company this several times but they continue to try to collect an enrollment fee and an fee for the school year. I even called them and told them before school started that my children will not be attending.
06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 380XX	Web
Joseph, Mann , & Creed Collection Agency claims that I owe {$390.00} to XXXX XXXX XXXX. I don't owe this company ANYTHING! This debt is erroneous and all collection efforts should cease IMMEDIATELY. I paid my account in full before I switched to another company. I've attached my last payment.
09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
Joseph mann & creed collection agency is sending me harassing letters saying I owe them ..I do not know this creditor nor do I owe the.? .I am a 4 times fraud victim..I do not owe this company they need to show me my original contract and they will see its not me nor my hand written
07/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46835	Web
XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM XXXX.
11/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32162	Web
XXXX XXXX of Joseph, Mann and Creed was verbally notified of a debt owed to XXXX being paid and then the proof was faxed to him. He has failed to respond and failed to up the issue with XXXX and reverse the rental suspension on my account with XXXX.
04/20/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07753	Web
I continue to receive calls from a debt collector " XXXX XXXX XXXX XXXX '' after telling them that I do not own the debt and after telling them to stop contacting me. But the calls continue and are non stopping.
02/06/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NM 875XX	Web
Company trying to say that they are calling from a debit collector. Tried to verify my personal information. When I stated that i would not give out that information they hung up on me.
08/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 238XX	Web
On XXXX XXXX, 2017 XXXX from XXXX XXXX XXXX called to inform me that I owed for the newspaper that I never received. Now I 'm receiving a collection letter from them.
08/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32909	Web
This company called my work place on XX/XX/2021 after they could not reach me at my personal phone number and gave XXXX XXXX information to a coworker.
03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OK 73505	Web
This company has been harassing me. They call anywhere between 3-5 times a day and make threats of legal action and has used profane language.
02/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46835	Web
COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA.
06/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32808	Web
Just keeps calling. Its for someone i know nothing about.
02/12/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60712	Phone

01/30/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

01/11/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93244	Web

12/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43830	Phone	Older American, Servicemember

12/18/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	WV 26105	Web	Older American

12/18/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77042	Web

08/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77091	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08852	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75033	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75033	Web

05/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18103	Web

04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60645	Web

03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90020	Phone

02/25/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18201	Web

11/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55057	Web

08/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19087	Web

04/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85251	Web

04/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 20165	Web

11/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21085	Web

10/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85718	Web

09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10004	Referral

09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32065	Phone

08/30/2021	No	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	NY 10314	Postal mail

07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33707	Web	Servicemember

04/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22153	Web	Servicemember

03/25/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32222	Phone	Older American, Servicemember

02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24590	Web	Older American

01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone	Older American

11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02151	Referral

11/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

06/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98335	Web	Servicemember

03/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

12/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17353	Web	Older American

11/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web

09/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32431	Web	Servicemember

09/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37203	Web

06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24597	Phone	Older American, Servicemember

06/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10036	Web

05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10016	Postal mail

03/07/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Referral

12/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94704	Web

12/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78412	Phone	Older American

07/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02135	Web

07/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32301	Referral

05/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98146	Referral

03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97478	Referral

03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93441	Referral

03/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98059	Web

02/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49721	Web

01/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21207	Referral

01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27546	Phone

12/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48446	Web

11/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18067	Web

08/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

06/21/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 99224	Postal mail

05/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34203	Postal mail

05/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19103	Web

04/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94903	Web

04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48067	Web

04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 53590	Phone	Servicemember

03/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	DC 20011	Phone

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29927	Web

01/17/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 338XX	Web

12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11003	Fax	Older American

11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 21114	Web

10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	IN 47041	Web

10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WA 98230	Web

09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20693	Web

09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60614	Web

08/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33543	Web

06/24/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 75965	Phone

05/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89503	Web

05/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48335	Phone

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 65793	Referral

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78013	Web	Servicemember

03/22/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AZ 85053	Web

02/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28443	Web	Servicemember

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48111	Phone	Older American

12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93235	Phone	Older American

11/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85302	Web

11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11223	Referral

11/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60614	Web

09/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 24426	Referral

09/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20744	Web

09/15/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	MD 21212	Postal mail

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08817	Fax	Older American

06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Phone	Servicemember

06/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 19380	Phone

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80222	Web

05/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 77429	Web	Older American, Servicemember

04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KY 40513	Postal mail	Older American

04/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20020	Phone

03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28785	Phone

02/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AK 99821	Web

02/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 45013	Phone	Older American

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WA 98237	Web	Servicemember

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33815	Phone

12/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97219	Web	Older American

10/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	CA 91767	Web

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 22407	Web

09/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AR 72543	Web	Older American, Servicemember

09/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 74038	Web

07/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29563	Web

06/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37918	Referral

05/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92376	Web

05/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 01702	Web

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92026	Phone

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NY 10022	Referral

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32218	Web

01/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MS 38930	Web	Servicemember

01/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 91701	Web

12/14/2013	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 94707	Web

12/08/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33165	Web

12/05/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 92562	Referral

12/04/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30582	Web	Older American

12/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 96150	Web	Older American, Servicemember

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07034	Web

11/24/2013	Yes	Credit reporting	Incorrect information on credit report Account status	IL 62034	Web

11/20/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MN 56301	Web

10/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90066	Web

09/12/2013	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37138	Web	Servicemember

08/22/2013	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	WA 98105	Referral

08/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92504	Phone	Servicemember

08/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92672	Web

07/31/2013	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 92404	Phone	Older American