MFP, inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/12/2016 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 337XX
Web
Enclosed upload will show the one & only contact with this company. contact violates 15 USC 1692g of FDCPA. XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.
04/13/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33558
Web
I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.
12/19/2016 No
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • ME
  • 049XX
Web
On the morning of XX/XX/2016, starting at XXXX, The 'company ' alleges that they have been referred my account for collections for some payday type loan. They asked me to confirm my name, address, and the last 4 of my social. Funnily enough, they did n't have my email address. They stated that if I did not make arrangements with them to pay the alleged debt that they would seek legal action, have me arrested, repossess my vehicle, file a suit against me -- but it could all be avoided if I agreed send payment to them right then and there. When I asked for proof of such claims ( to mail me any and all documentation ) they refused saying that if I did n't pay " I 'd be in big trouble '' I again demanded proof of such claims the caller began to become belligerent. I hung up. They called again. I stated that they were nothing but a scam and that if they had any such 'case ' that they would have proof and they would forward said proof to me. They said that they did n't have to prove anything to me. ( I did manage to get the caller to say what their company name was, " Financial Credit Solutions '' ) Several more calls were made to me and the caller became increasingly belligerent and stated that he hoped that I had all of my XXXX shopping done because " he was going to come after me for everything I had ''. At this point, I had had my fill and words were exchanged. Later that day, I found out that these people had made several phone calls to two relatives of mine and leaving the same type of threatening voicemail messages " That I had an important legal matter to tend to and that if it was not addressed then I would be sent to jail. '' Today, XX/XX/2016, I was informed by one of the same relatives that they had been called yet again today by these people.
08/15/2016 No
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • FL
  • XXXXX
Web
FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.
08/26/2016 No
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • XXXXX
Web
Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! XXXX
04/28/2016 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 34683
Web
XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.
06/13/2017 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78254
Web
Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.
08/11/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 337XX
Web
Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.
09/29/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34638
Web
I faxed Financial Credit Services a letter on XXXX XXXX, 2015, asking for information regarding medical collections they have listed on my credit report. On the letter, all account # s were listed. I received XXXX letters dated XXXX XXXX that only addressed XXXX of the XXXX accounts that I questioned. The letters I received acknowledged the receipt of my request and that they would place the account in a dispute status until they received documentation from the original creditor. Needless to say, as of today, I have yet to receive validation. I have contacted Financial Credit Services and spoke with XXXX, XXXX and XXXX who stated that they will not be removing the account although they have not validated the debt. I explained they ca n't continue to report an account that they have n't provided validation for.
01/05/2017 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33594
Web
There is a collection listed on my credit file for {$170.00} which is unknown to me and has changed collection offices several times I request validation. Please help me
10/25/2016 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33813
Web
This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation
04/27/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 337XX
Web
I have requested validation several times and nothing received. Please help
09/21/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • IA
  • 52732
Web Older American
07/06/2018 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32117
Web
08/16/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90302
Web
11/03/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90028
Web
03/08/2016 No
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
Postal mail
01/18/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32046
Web
01/15/2016 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 46038
Web
01/06/2016 No
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 34652
Web Older American
12/29/2015 No
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 34668
Web Older American
11/09/2015 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76135
Web
09/23/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33782
Web
08/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33901
Web
12/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33705
Postal mail
11/17/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34668
Web
10/31/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33578
Web
09/18/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07631
Web Servicemember
07/11/2014 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33703
Web
06/28/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33428
Web
04/15/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33705
Web
03/03/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76131
Web
02/26/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 33773
Referral
02/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33774
Web
12/19/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 33707
Phone
12/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33570
Referral
12/11/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30126
Referral
09/29/2013 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34120
Web
09/27/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33776
Phone