Metro Area Collection Service, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OR
  • 97233
Web
I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( XXXX XXXX XXXX XXXX. XXXX, XXXX , XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX. XXXX, XXXX ) ; XXXX v. XXXX, XXXX XXXX. Appx. XXXX ( XXXX XXXX. XXXX ) ). At this time, Ive provided the information to the credit reporting agency on XX/XX/XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ). In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), citing XXXX v. XXXX , XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX. XXXX XXXX ), affd, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Or. Apr. XXXX, XXXX ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. 2017 ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. La. XXXX ). Cf. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ). In XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX. Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax XXXX. XXXX. XXXX, Experian XXXX. XXXX, XXXX XXXX and TransUnion XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XX/XX/XXXX XXXX XXXX, and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injustice Redux : Ten Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX, XXXX ) ). In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation. The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from Metro Area, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
02/11/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97402
Web
This business is coming after me for illegal charges and will not remove them from my credit report. It is illegal in Oregon for an apartment complex to charge for basic wear and tear. On my itimized list it shows that the apartment is requesting I pay for paint, paint labor, staff labor which is illegal in Oregon. I have requested the collections removed. This was also involved in a judgement which the collections company has on file showing the Judgement granted for {$250.00} and the company has willing ignored the Judgement as they house the records showing the Judges ruling. The amounts have also changed without payment from me because I do not owe this debt yet it has flutucated multiple times. The XXXX XXXX can not verify the money owed so they keep taking away and adding charges as they see fit. Fair Debt Collection Practices Act ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. They have requested I pay an amount that includes my deposit paid, normal wear and tear, and hourly paid staff for their work. The Judge has denied the request but the collections company will not follow the Judgement given. Attached is the itimized list, along with the Judgement amount on the last page of the documents the Judge granted. This company is making false financial statements that is effecting my credit and my name in a negative manner.
04/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OR
  • XXXXX
Web Older American
On XX/XX/XXXX I checked my credit score via XXXX, and noticed a new and unknown collection account. This account claims to have been opened XX/XX/XXXX for {$2300.00}, the original creditor [ XXXX XXXX XXXX ] is unknown to me and I have never been contacted by phone or in writing by the representing collection agency [ Metro Area Collection Services ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), so I immediately started an online dispute. I also issued a written debt verification letter to the reported agency requesting immediate verification / removal of the debt. This notice was written and mailed on XX/XX/XXXX. To date, XX/XX/XXXX, I have never received anything in writing from this firm, have never been contacted by them, and have no knowledge of the claimed original creditor. This debt is unverified and has been filed unlawfully per The Fair Credit Reporting Act.
06/04/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 752XX
Web Servicemember
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, I received a letter from Metro Area Collection Service , Inc., a collection agency. The letter stated that I had ten ( 10 ) days to pay the alleged debt, however the letter was dated XX/XX/XXXX. I immediately contacted the agency and requested that they provide me with their bonding agent or number. Texas Finance Code requires : - All Third-Party Debt Collectors to maintain a bond with the Texas Secretary of State ( Texas Finance Code Section 392.101 ) The collection agency has failed to comply with my request and also does not hold a surety bond with the Texas Secretary of State. Metro Area Collection Service , Inc. is attempting to illegally collect a debt in the State of Texas.
05/13/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • XXXXX
Web Older American
On XX/XX/XXXX I noticed a new and unknown debt collection on my credit report for {$3400.00} - XXXX XXXX XXXX ( Original creditor, opened XX/XX/XXXX ) that had been added in XX/XX/XXXX. I immediately wrote a debt verification letter to the named collector, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) requesting a debt validation letter as I had not had any prior contact ( call, letter, bills, etc ) for this agency or original creditor. They have failed to respond to the debt validation letter. I also filed two disputes with the credit bureaus but those have not resolved anything. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. The debt was last reported to the credit bureaus XX/XX/XXXX.
06/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 97222
Web
An account was opened to XX/XX/XXXX for XXXX. XXXX XXXX XXXX XXXX The account is stating that it is closed ( which means paid in full in XX/XX/XXXX ) The remarks on my credit report state paid collection. Unfortunately it is still being shown by XXXX XXXX ( which i'm guessing is the collection company hired to retrieve a debt ). I tried to Contact XXXX. XXXX XXXX XXXX XXXX to ask when my first date of delinquency was, and they have closed permanently. I would like this to be removed form my from my credit report, but because they have closed permanently I can get in touch with them.
11/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34758
Web Servicemember
This company continues to call from XXXX phone numbers threatening that if I do not give information to their agent I will face legal repercussions. The debt this company claims to own is XXXX years old, and outside the statute of limitations for the state of Oregon. Yet this company continues to report the falsified debt which includes a contract that was forged and does not include all the parties responsible for the debt. This company is harassing me by phone and mail. furnishing fake contracts and fake amounts of debt.
11/11/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34758
Web Servicemember
The companies Metro area collections services llc, and XXXX XXXX are falsely reporting amounts owed by adding fees and who knows what else. And attempting to extort me, originally tried collecting XXXX now want over XXXX XXXX. Metro area collection service is conducting illegal debt collection harassment by reporting whatever they want. without supervision, this company will continue to attempt to extort consumers. action needs to be taken original debt XX/XX/XXXX Total : {$1000.00} current debt : XX/XX/XXXX total : {$5200.00}
02/16/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 34758
Web Servicemember
This company has called relatives asking for my information pretending to be police officers. I requested they prove the debt is mine on XX/XX/2021 and they refuse to validate the debt. are reporting erroneous information to credit bureaus in an attempt to extort. Reporting different amounts to each, and harassing communication on the phone.
06/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OR
  • 97045
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.
05/21/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OR
  • 97005
Web
sent a cease and desist letter and email
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 97206
Web
02/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97006
Phone
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97006
Web
07/20/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OR
  • 97203
Web
06/17/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 97351
Phone
05/26/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OR
  • 97068
Web
07/30/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77491
Web Servicemember
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Phone
07/19/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
Phone
10/15/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
01/06/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97208
Web
11/03/2015 No
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • OR
  • 97089
Web