Metro Collection Service Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
Metro Collections did not properly communicate the debt, they are not registered to collect in the state of Massachusetts, and have not provided the assignment as requested. Below is the information provided to Metro regarding their collection practices and laws broken. You are attempting to collect on a alleged debt of a Massachusetts state resident. You are not licensed to collect debts in this state. Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business You reported a derogatory account on my credit report under the name of your company, as opposed to using the name of the creditor. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. ( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name. 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor Pursuant to MGL Chapter 106 UCC 9-405, if you did not originate this debt, please provide the chain of assignments to the creditor involved in the creation of this account : ( c ) Proof of assignment. Subject to subsection ( h ), if requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. MGL 106 Section 9-209 ( b ) : notice was received of the sale/transfer of the alleged debt. Please provide the following documentation : ( b ) Duties of secured party after receiving demand from debtor. Within 10 days after receiving an authenticated demand by a debtor, a secured party shall send to an account debtor that has received notification of an assignment to the secured party as assignee under Section 9-405 ( a ) an authenticated record that releases the account debtor from any further obligation to the secured party. 40 CMR 7.08 ( 1 ) and ( 2 ), Please produce the following documentation that would validate the alleged debt under state law. ( 1 ) It shall constitute an unfair or deceptive act or practice for a creditor to fail to provide to a debtor or an attorney for a debtor the following, within five business days after the initial communication with a debtor in connection with the collection of a debt, Please instruct the service provider to send me those records directly, as I do not permit any third-party handling of my private medical records, pursuant to 45 CFR 164.501 ( HIPAA ). Do NOT send any bills or invoices that outline any procedures done this will be considered a violation. Below find their licensing according to the division of banks : Metro Collection Service Inc . NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX Toll-Free Number : XXXX Fax : XXXX Website : XXXX Email : XXXX Other Trade Names More Info : None Prior Other Trade Names More Info : None Prior Legal Names More Info : None Sponsored MLOs More Info : XXXX Fiscal Year End : XX/XX/XXXX Formed in : Colorado, United States Date Formed : XX/XX/XXXX Stock Symbol : None Business Structure : Corporation Regulatory Actions More Info : None posted in NMLS. Branch LocationsMore InfoNo Branch Locations in NMLS State Licenses/Registrations ( Displaying 1 Active of 1 Total ) Regulator More Info License/Registration Name Authorized to Conduct Business More Info Consumer Complaint More Info view all details XXXX XXXX XXXX XXXX XXXX XXXX to Regulator Hide Details License/Registration # : XXXX Original Issue Date More Info : XX/XX/XXXX Status More Info : Approved Status Date : XX/XX/XXXX Renewed Through More Info : XXXX Other Trade Names used in Arizona More Info : None Hide License Status History More Info Start End Authorized to Conduct Business More Info XX/XX/XXXX Present Yes
12/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CO 80017	Web
About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.
04/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	VA 22312	Web	Servicemember
XXXX XXXX and a XXXX moving company is seeking payment in full for services that were not rendered according to contractual agreement in XX/XX/XXXX. They have retained the services of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Building XXXX, XXXX XXXX ; XXXX, CO XXXX ; Phone : XXXX XXXX ; Fax : XXXX ; Direct Dial : XXXX ). These services were brought to my attention after I'd moved from Colorado in XX/XX/XXXX, and after having sought to settle the invoice via multiple emails, phone calls, and attempts via the web info source. I have kept all voicemails, emails, and other records of attempts to mediate. The last attempt that was made by XXXX XXXX XXXX XXXX XXXX was through customer service agent XXXX ( no last name known ) at ( XXXX ) XXXX on Wednesday, XX/XX/XXXX at XXXX MST, where he indicated that he'd received my most recent voicemail, and said " ... the situation does seem like it's a little bit out of my area, so what I'm gon na do for you ma'am is I'm gon na pass this along to my manager so you can speak with him about that and I'm pretty positive he's gon na go ahead and get you figured out, but I did wan na leave you a voicemail to know that we are aware of the situation. I apologize on behalf of the company for how your move went. '' There was no further attempt on behalf of XXXX XXXX XXXX XXXX XXXX to resolve the invoice, and no further replies to any emails or phone calls made by me to them. At the end of XX/XX/XXXX, a letter was forwarded to my new address in Virginia indicating that my invoice had been sent to collection in care of account manager XXXX XXXX of Metro Collection Service in XXXX, CO. Upon contacting them, they informed me that XXXX XXXX XXXX XXXX XXXX refused any further attempts to settle the debt outside of collection. The invoice was questioned due to the movers showing up late, without packing materials which I then had to go purchase at a hardware store, taking 5 hours longer than invoiced, staining carpets, and smoking marijuana on the property. This is an unjust attempt to collect a debt that is not owed. XXXX, XXXX XXXX United States XXXX, Retired XXXX XXXX XXXXr Deployed to XXXX Please contact via email at XXXX or at my company email XXXX Thank you.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 800XX	Web
When i turned XXXX my father had to put me on the lease from the apartments he rented from which was XX/XX/XXXX At the time i didnt have a job so he was paying everything and he started to get depressed and did n't want to work so i moved with my grandma. Well he ended up getting evicted so there was about XXXX that he owed. I got a job XX/XX/XXXX and have been working at the same job til now so i got a letter saying i needed to attend court for the eviction and pay the amount due and i had no idea what was going on! After asking my dad he ended up going with me and they told him to pay XXXX a month and they wo n't garnish my checks. After two months he stopped paying so i started getting garnished! After a while the garnishments stopped and i figured i paid it off but one day i looked at my credit report and seen that the garnishment was still on there so i gave the collection agency a call and the man said i quit my job which is how the garnishment stopped i told him i been working here for 4 years and i didnt quit so he than asked if i had the money to pay the full amount and i said no but how much do i owe? And he stated the full amount and what i paid which is XXXX so left over was XXXX but he added 8 % interest so i owed XXXX and he said that well unfortunately there 's nothing we can do about the interest and I was like why not you 're the one that stopped garnishing me it 's not like I quit my job or refuse to pay you guys so I said i didnt know that i owed money and he said well we sent it to ur dad and i said well he didnt get it either and he said yu expect me to believe the guy who wont even help yu pay this collection? I was like yea i do cuz i been paying it up until yu guys did n't send the paperwork to my employer and he said it wasnt his job to send the paperwork to my employer and if he sent it to my dads house than that is my job to do! So i finally got a letter XX/XX/XXXX with more interest for XXXX which he added more interest to
02/08/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CO 80033	Web
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last XXXX on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX reality.
02/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80033	Web
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last one on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXXXXXX XXXX
02/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80033	Web
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/black of business with payment request. the last one on XXXX was requesting {$1100.00}. XXXX of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and there proof is not acceptable. They have still not pursed this in court continues to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX XXXX.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80013	Web
My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.
06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90650	Web
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name Metro Collection, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. Metro collection services collections for XXXX XXXX is the property management company. XXXX XXXX XXXX collections for XXXX XXXX is the property owner. I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. I have already disputed this with the credit bureaus and they refuse to remove the false information.
05/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32822	Web
I had a XXXX XXXX XXXX medical bill that was opened in 2013, for which I had an agreement to pay XXXX once my car accident case resolved, my attorney didn't received the medical bill and they sold the bill account to metro collections, and after five years almost six, this metro company is harrasing me over the phone and letters, I filed a dispute in my credit report, still they keep increasing the old debt, I filed a complaint with fl office of financial regulations and they found that metro collections was harrasing me and didn't have a license in fl, now they referred me to you to investigate and stop this collection agency from continuing this unlawful behavior. The account is more than six years now and based in fl law is too old to be in my credit report. I need you to please stop these people abuse and remove them from my credit reports as soon as possible. Thank you for your assistance.
11/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75088	Web
So Hi my name is XXXX XXXX and Metro Collections SVC XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX just reported this XX/XX/XXXX XXXX was way back in XXXX XXXXThe landlord and I had gotten into it and she callled the cops on me and there was a report made and the cops knew they were wasting their time talking to me about what she reported.So she kicked us out because she didnt like us and I didnt have money or know what to do so we just just let her kick us out to avoid further problems.And now shes put it on collections and is ruining my credit after she illegally kicked us out because she didnt like us.Im unsure of where to go about this but its messing up my credit and collections and its completely wrong and disrespectful after she illegally kicked us out that shes doing this to us.Im at a loss and dont know what to do PLEASE HELP ME!!!
03/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 765XX	Web
As, I was signing up to the gym, the employee never stated to me that I would be stuck in the contract. I had believed that it was like XXXX or XXXX XXXX where you cancel when you no longer require the service. I moved away back to Texas and did not send the paperwork in time and my account was sent to collections. Please, understand that I am trying to regain control of my credit. I am still living in Texas and would like to know what I can do to fix this. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.
05/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web
They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well.
02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80011	Web
I had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80016	Web	Servicemember
I was part of a barter/trade group called Colorado XXXX. We performed services in exchange for trade credit that could be used to purchase items/ services from other members in the trade group. I performed services for another member in the trade group valued at XXXX XXXX dollars. XXXX XXXX in cash and XXXX XXXX in trade currency. I purchased luggage from another trade member for XXXX XXXX and XXXX dollars. That leaves my credit balance at XXXX XXXX and XXXX XXXX dollars. I have the invoice I used to charge the client and email correspondence from the owner of Colorado XXXX acknowledging my services and my trade credit. I do not owe them anything, in fact, they owe me.
01/10/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CO 80601	Web
The auto company I financed through sold me a lemon vehicle then illegally repossessed it because I wanted them to fix it. I was not behind on the loan. They lost the contract and admitted they forged my signature on a new one and sold the debt to this agency. I tried to work with the collection agency and work something out, they then decided to serve me paperwork and are continuing to add more money to the amount owed everytime I dispute the collection. The collection doesn't belong to me. It's fraudulent and the collection agency is using predatory practices and dinging my credit as retaliation anytime I try to justify the situation.
11/29/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	CO 80916	Web
I have was contacted by Metro Collection regarding a debt as a co-signer. I advised I will settle the debt and make arrangements to pay. I asked if the information was placed on my credit. I was informed twice that it was not there. Three months into making the payment I received a notification that the debt was placed on my credit report. After contacting the company. I continued to get the same email back with disregard of the prior conversation and agreement stating, it will be removed when paid off. This is a whole year later from the initial contact to the arrangement and now they place the debt on my credit.
08/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
My husband and I lived in an apartment that became to expensive to live in once my husband lost his job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
08/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80231	Web
I emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due XXXX
11/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85367	Web
I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.
02/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80528	Web
I left a month early on my lease and I had discussed this with the front office and they said that it was okay and that they had another person to lease it to. Since then I have been contacted to pay a debt of XXXX and then I recently received a notice that i owed almost XXXX. I have tried disputing this with the bureaus because the amounts have grown when they should have been nothing to start with and now they are absorbant. Even charging me for court costs for something that has never gone to court even. Please help me to resolve this issue.
04/03/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80016	Web
Received one notice of collection XX/XX/XXXX, called XX/XX/XXXX left message confining debt paid, call original creditor to confirm the same. XX/XX/XXXX received summons called attorneys office, they referred me to the collections office. Called collections office and creditors office, emailed original creditor they confirmed payment was made and the collections account would be recalled. However, on XX/XX/XXXX a new amount was entered to the reporting agencies. A new email was also sent on XX/XX/XXXX.
10/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80110	Web
Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.
11/13/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32829	Web
Metro Collections is attempting to collect debt from XXXX XXXX XXXX that was discharged in a bankruptcy. I sent a letter requesting verification of debt and told them the debt was discharged in a bankruptcy. They still have not forwarded evidence regarding the debt. They sent notification to the credit bureaus after I notified them the debt was discharged, and my credit is being affected by this reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
12/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85051	Web
So basically I checked my XXXX XXXX to get financed for a car and I found someone used my SSN that was not me and caused {$5300.00} in debt this was not me I live in XXXX XXXX and I called the collection agency and they said this was a problem and I had to make a police report. Now Im here honestly just want to get my credit score back and take this debt off Im not responsible for this so I feel I should have to pay my identity was stolen.
02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	CO 80005	Web	Servicemember
I was served with paper work, for XXXX County Colorado. I went to file an answer. The clerk informed me that there was not a case number on the paper work. She then informed me that with no case number then there was no case. I do not owe any amount of money to their client, and they will not remove it from my credit report, as I am trying to use my V.A. benefits to buy a home. As I am XXXX XXXX, and my condition is getting worse.
09/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80229	Web
I owe an apartment complex for breaking the lease early along with some fees. Original debt was around {$5000.00}. This debt collectors has added about {$3000.00} in interest when I dont have a contract with them. Because at one point I tried to work with them they have given up looking for the co-debtor and have now started garnishing my wages for this ridiculous amount and not making the co-debtor pay anything.
01/27/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AR 72118	Web
Metro Collection Service, XXXX XXXX has called my landlord and her husband about my debt. I am unsure of what information XXXX XXXX of Metro Collection Service has gave to my landlord and her husband. Metro Collection Service has not contacted me directly via email, US Mail, phone or mobile. This is an offensive behavior and I am looking into laws that will demand that they stop harassing me in this manner.
10/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80226	Web
This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.
12/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.
04/12/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 802XX	Web
I had a lease on a property with a lady names XXXX XXXX. I had to break the lease on the Rental shop which I had signed and agreed to pay her. I did not however have a contract on the home. XXXX XXXX forged my signature on the contract for the house to make it appear as though I owed more then I did. It has since gone to a collection company and they say that I owe XXXX which I do not owe.
09/14/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 883XX	Web
They are wanting me to pay something that should have been paided by the second insurance i took out from them through there company and why would they wait so long to say i owe them now i did what the lady said to do she said let the insurance pay it off refering to the in house insurance i took out with them if that was the case why didnt they fix it and i would still have the XXXX.
05/31/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 802XX	Web
i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.
05/24/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MN 553XX	Web
I sent a debt verification letter to METRO COLLECTION SVC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX and have not received a response in over 30 days. The vehicle was repossessed but no information has been given about the debt. They are continuing to accumulate monthly interest with no proof of debt record. I sent the letter on XX/XX/2023 2023
07/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	XXXXX	Web
Good day My name is XXXX XXXX, in XXXX I opened an account with XXXX there after I failed to pay in XXXX, that accounts was handed over to XXXX ( a dept collector ) later XXXX handed it over to XXXX collection ( another dept collector ). To my surprise now their records are showing that I opened an account in XXXX with is pure lies, so I need to report this to you.
09/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80123	Web
I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.
08/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 816XX	Web	Servicemember
i havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed
12/09/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 38119	Web
Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.
02/14/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	CO 80013	Web
XXXX XXXX violated my right to dispute the debt, specifically related to the XXXX vs. XXXX XXXX XXXX XXXX. She told me she couldn't mark debt disputed through verbally, must have written which is false.
02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80247	Web
Apartment complex is saying I owe them money, and I owe them nothing. I contacted the collection company asking them to validate the debt. They sent proof I stayed there not proof I owe them anything
06/12/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33578	Web
Debt was placed on my credit w/out notifiying me first and I am not sure it even belongs to me as I have never been to a surgical center in XX/XX/2020 as it states.
09/23/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30058	Web
it was XXXX dollars this debt was already disputed and it meets all fcra requirements this account is 7 plus years but they keep reporting it on my credit score
12/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80203	Web
I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.
10/17/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80113	Web
This account is over XXXX XXXX XXXX. It was established in XXXX. Metro Collections pulled my credit report without authorization.
12/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CO 80004	Web
Metro collections has contacted me at my place of work at XXXX and my employer about my debt.
01/23/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80229	Web

01/08/2024	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	CO 80910	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29223	Web

08/29/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30331	Web	Older American

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80011	Web

02/22/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CO 80219	Phone

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ME 04444	Web

12/02/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 22303	Web

04/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78130	Phone

03/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80303	Web

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80917	Web	Servicemember

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80917	Web

07/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77471	Web

05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 66101	Phone

05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 66101	Phone

04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85251	Web

12/11/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CO 80022	Web

08/09/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MT 59903	Postal mail	Servicemember

06/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CO 80041	Web

03/13/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77506	Web

11/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80918	Web

10/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77506	Web

06/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80916	Web

03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	HI 96722	Web

01/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95210	Web

05/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98087	Web

04/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48237	Web

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80015	Web

12/10/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 80247	Web

12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 804XX	Web

09/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94013	Web

08/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94013	Web	Servicemember

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80501	Web

02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CO 80130	Web

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80163	Web

07/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80204	Web

03/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80220	Web

02/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CO 80011	Web

02/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80110	Web

11/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80031	Web	Older American

11/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80205	Web

10/23/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CO 80013	Web

08/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	DC 20005	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CO 80030	Web

04/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	CO 80031	Web

04/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27803	Web