Monarch Recovery Holdings, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93534	Web
Notice to agent is noticed to principle, notice to principle is notice to agent To my knowledge XXXX and XXXX allowed first premier bank to post this information without my consent by not delivering a notification to the consumer violating his personal information. Now my understanding anyone who violates the consumers privacy without notifying the consumer is called fraud, 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I have addressed this issue to the CFPB, and the issue was transfer to the Federal Trade Commission which this notification was never given proper notification to the consumer I have rich out to the XXXXXXXX XXXX XXXX XXXX in regarding this issue which this issue has been ignored and mislead I have tried to contact the Federal Reserve Bank XXXX XXXX to address the issue I continuously has leave messages. I have reappealed My dispute until present day I have not received a noticed by mail from the Federal Reserve of XXXX. XXXX XXXX XXXX has violated my personal information by selling my information to a recovery agency by the name of monarch recovery. My understanding to this regulation is that 15 U.S. Code. 1681s2, Responsibilities of furnishers of information to consumer reporting agencies. Follow with 15 U.S. Code 1666a - Regulation of credit reports is Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection to the parties to whom such delinquencies were initially reported. my understanding 1-103. Construction of XXXX XXXX XXXX to Promote its Purposes and Policies : Applicability of Supplemental Principles of Law. The XXXX XXXX XXXX must be liberally construed and applied to promote its underlying purposes and policies, which are : ( 1 ) to simplify, clarify, and modernize the law governing commercial transactions ; to permit the continued expansion of commercial practices through custom, usage, and agreement of the parties; and ( 3 ) to make uniform the law among the various jurisdictions. Unless displaced by the particular provisions of the XXXX XXXX XXXX, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, and other validating or invalidating cause supplement its provisions. Also, my understandings in regarding to XXXX XXXX XXXX XXXX - XXXX liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees on a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 274XX	Web
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 57**** 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : NA 5. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
07/02/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	KS XXXXX	Web	Servicemember
I received phone calls from a company called Monarch Recovery quite a number of times. The company has never made any mention of any amount specifically, however, I continued to receive more phone calls from this company. It became so bad that the company not only used the phone number listed initially, but retained several other numbers in order to continue to harass me, threatening me with legal actions. The additional phone numbers that were associated with the company are : XXXX and XXXX. From the phone number XXXX are the dates and times recorded by my phone call log : XX/XX/2018 Beginning on XXXX XX/XX/2018 The company called me every single day during the dates listed above. The number of calls received in total is : 135 times ( average calls per day were 5ea ) I have made the following attempts to contact this company. I have made screen clips of every way that I have reached out to this company, via email phone conversation, in order to inform them to cease and desist from communications with me. First, I called the company to let them know to cease and desist contact with me. I am unsure as to the date. I did however, go onto Monarch Recovery website provided. I wanted to ensure that they understood the reason that I was reaching out to them. So in order to ensure that I was able to somehow get proof that I made contact with the company. So, I utilized the chat option so that the communication could be captured to have proof that I specifically made contact with a representative from the company. Finally, I sent an email to the email address specifically included within the many correspondence that I continued to receive via US postal. Additionally, I also have recordings of the conversations between myself and the representatives from this company. I have all the images saved and to uploaded to my phone in order to provide proof that this company harassed me continuously over almost a 5-6 month period, the few times that I did answer the phone calls, I was once cursed out by a representative, another time the conversation between myself and the representative became so aggressive and threatening, simply from because of a statement the representative made regarding about my XXXX XXXX health. I insistently told him that, due to intensity of our conversation continuing to become more aggressive, I needed to get off the phone call with him. His reply was, I completely understand what you are going through, but you need to resolve this issue and stop using time I spent in the military as a an excuse to not pay this debt that I owed. He went on say that my XXXX state could not in fact be that bad. As he continued, he became so violently aggressive that, I began scaring me to the point that I began to have severe XXXX and XXXX XXXX that I just hung up the phone on him. For over 2 weeks, I could barely function XXXX and XXXX. I became so XXXX that I did not get out of my bed for over 5 days.
01/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
On XX/XX/2020 I sent a certified letter to Monarch Recovery Management , Inc I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and
02/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 02149	Web
As of XX/XX/XXXX, I contacted Monarch Recovery XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXXXXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. The payments I made to Monarch Recovery XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXXXXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to Monarch Recovery XXXX XXXX he told me that he could not do that. I explained that I didn't receive receipts for my payments to Monarch Recovery XXXX XXXX but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to Monarch Recovery XXXX XXXX The most recent letter I received from Monarch Recovery XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. In light of this fact as well as the fact that I've never received receipts from Monarch Recovery XXXX XXXX, I implored the representative from Monarch Recovery XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that Monarch Recovery XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to Monarch Recovery XXXX XXXX. I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXXXXXX XXXX debt was sold to Monarch Recovery XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXXXXXX XXXX. Even before my XXXXXXXX XXXX XXXX XXXX account was sent to their own collection department, XXXXXXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. To date Monarch Recovery XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from Monarch Recovery XXXX XXXX.
11/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01844	Web
Hi, I already called you guys directly and you told me that you will remove it from my credit because this was due to identity theft or fraud. Not mine account! : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 183XX	Web
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
How are you doing? How are you doing during this pandemic COvid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
04/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 028XX	Web
On or about XX/XX/2021 I contacted the original creditor ( XXXX XXXX ) with regards to the debt that has been forwarded to XXXX Account XXXX to which they are attempting to collect from me in violation of both Civil and Federal Rights. I had informed XXXX XXXX that no one had been authorized to open an account in my name and that I did not provide my explicit consent to authorize an account for electricity usage to be opened in my name at the property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX. I further informed them that for the 5 years of my residency at the said location the electricity had always been included in the rent because the electrical wiring was not up to building code nor was the property legally wired as a 3 apartment dwelling which would allow for the appropriately apportioned calculations for each unit. Therefore, the meters that had been installed were a result of criminal activity and a violation of the states building code at the time. XXXX XXXX intentionally ignored my numerous complaints and inquiries that followed soon thereafter my initial complaint in violation of my civil rights as an individual as well as federal rights as a consumer. In fact, the state 's city inspector affirmed that the meters were illegally installed and remanded the landlord XXXX XXXX XXXX to conduct the necessary repairs that would bring the electricity up to code at the above mentioned property. Attached is a copy of those said violations which clearly indicate that there was a jumper cable wire that still connected the 2nd and 3rd floor unit in order for the electricity to work because, the property had never been legally rewired in order to separate the electricity and install 4 separate new meters legally. Once again, I explained this to XXXX XXXX repeatedly and they did absolutely nothing to resolve the situation which will most likely end up in further litigation as the electricity should have never been transferred from the landlord to the tenant without my consent nor application. Especially, under the illegal circumstances and since, the landlord could not have legally made the tenants responsible for the electricity then this is not legally my debt. It's been nearly a year and until this date the property 's household meter still reads XXXX which is a clear indication of why this was all illegal in the first place. This is not my debt and these mega companies are way out of line. They will not be receiving a dime!!! Thank you!
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02121	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA XXXXX	Web
Dear XXXX XXXX I am responding to previous CFPB complaint XXXX, Allied Account services , Inc stated that the account was assigned for collections by the creditor of record, XXXX XXXX .I did not consent to have my non public personal information to be shared with any other company/agency/entity regarding the account that I had with XXXX XXXX I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information, As of today XX/XX/2022, I no longer give your company, its partners, and affiliates knowingly and unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have my personal information. I am a consumer and consumers have a right to privacy. Privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy you company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an " assignment of accounts '', chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only, which is what your company ( a debt collection agency ) is doing by demanding I owe an alleged debt, you were prohibited to take this account in the first place, but you decided to buy this alleged debt anyways. Therefore I am demand your company, its partners, and affiliates to have this account deleted from any CRAs you reported it to, for infringing my right of privacy within 10 business days and I prohibit your company from transferring this account to another debt collector. I am giving your company 30 days to update my request, cease furnishing my private information and cease and deist all communication unless it pertains to resolving this matter. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C. 1692e ( 3 ) which states '' The false representation or implication that any individual is an attorney or taht any communication is from any attorney.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00718	Web
I am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.
06/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33414	Web
Certified Mail Return Receipt required BY EMAIL Monarch Recovery Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX XXXX : XXXX XXXX Account Number XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX. I do not owe the amount alleged by you. Never received documentation to validate the debt, remove the item from the credit report all of them. Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX and XXXX
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 12020	Web	Older American
I disputed a collection account reported by Allied Account Services Inc. ( Account # XXXX ) to XXXX. I 1st filled out the dispute form and was assigned File ID # XXXX by XXXX. This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. Allied Account Services responded in a letter dated XX/XX/2023, enclosing requested validation as supplied by the creditor. All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied. Allied Account Services ' collection account, based on XXXX XXXX wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX points, making me unable to obtain needed financing, and causing me serious financial harm. I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that Allied Account Services have this collection account removed from XXXX and any credit reporting agency immediately. Then I yet again received a letter from Allied Account Services, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX was wrong in billing me in the 1st place. Allied Account Services did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. My Credit Score has been reduced by XXXX points, and I am still unable to qualify for necessary financing. Can CFPB please do something about this? Feel free to call me at XXXX. Thank you for your consideration.
06/11/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90808	Web	Servicemember
To Whom it XXXX concern ; I have filed a few disputes with XXXX XXXX, formerly known as XXXX XXXX. For the first part of my dispute, I never made an agreement with XXXX XXXX to begin with. On XX/XX/XXXX XXXX XXXX transferred my account to XXXX XXXXXXXX. On XX/XX/XXXX XXXX had approved my buyer protection claim for the charge in question, this was verified by XXXX Employee XXXX Employee ID # XXXX on XX/XX/XXXX during a phone conversation. XXXX XXXX said they would not honor XXXX terms and conditions. They do not get to make this decision as the credit agreement I entered guaranteed those protections with the use of XXXX XXXX. XXXX can not unilaterally decided that I no longer am protected because I did not enter into an agreement with them. They can not negatively report on my credit with this either. I also filed a fraud claim with XXXX XXXX, which was later approved by XXXX XXXX on XX/XX/XXXX. In this approved fraud claim synchrony bank stated that they may re-bill me for the items within 60 days of the approved claim. That time period began on XX/XX/XXXX and ran until XX/XX/XXXX ( give or take a day ). XXXX made no contact during this time window. Instead, after I filed a complaint they attempted to say that the issue had been resolved and I was credited on XX/XX/XXXX. It is impossible to re-bill someone for something when the claim that would require a re-bill hasnt even been approved yet ( Approved on XX/XX/XXXX ). The attempt to hide this and not be forthcoming in their report on the account is fraudulent and I can not be held liable for their unlawful behavior. I have attached all documents to this to show the dates and times. They also state in the approved fraud claim that they would send a letter of explanation with the re-bill, as you will see there is no letter from them with the re-bill ( this was also a 0 % interest purchase for 6 months, that would have had to be specified in the re-bill. ) The only letter stating there was a re-bill was in response to the CFPB complaint on XX/XX/XXXX, well outside the 60 day window. Respectfully, XXXX XXXX XXXX XXXX Retired XXXX XXXX
11/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90720	Web
Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. I have proof of the settlement agreement and proof of payment to the collections agency.
09/17/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75126	Web
XXXX XXXX XXXX XXXX was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. Neither provided no proof of the debt, but instead made a settlement options. 1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement. 2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor. 3 ) .Proof that you are license to collect this debt in the state of Texas . 4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct. 5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor. 6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off. 7 ) .Please provide proof that you have not purchased the alleged debt. 8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
09/17/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75126	Web
XXXX XXXX XXXX. was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. Neither provided no proof of the debt, but instead made a settlement options. 1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement. 2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor. 3 ) .Proof that you are license to collect this debt in the state of Texas . 4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct. 5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor. 6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off. 7 ) .Please provide proof that you have not purchased the alleged debt. 8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
09/17/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75126	Web
Client Services was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. Neither provided no proof of the debt, but instead made a settlement options. 1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement. 2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor. 3 ) .Proof that you are license to collect this debt in the state of Texas . 4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct. 5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor. 6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off. 7 ) .Please provide proof that you have not purchased the alleged debt. 8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
07/15/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 90301	Web
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from MONARCH RECOVERY MANAGEMENT , INC . MONARCH RECOVERY MANAGEMENT, INC has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). MONARCH RECOVERY MANAGEMENT, INC has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). MONARCH RECOVERY MANAGEMENT, INC conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. MONARCH RECOVERY MANAGEMENT, INC has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). MONARCH RECOVERY MANAGEMENT, INC has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified MONARCH RECOVERY MANAGEMENT, INC in writing that I refuse to pay the alleged debt and wish MONARCH RECOVERY MANAGEMENT, INC to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since MONARCH RECOVERY MANAGEMENT, INC has failed to comply with provisions of 15 usc 1692 MONARCH RECOVERY MANAGEMENT, INC is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
02/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 13440	Web
On XXXX/XXXX/22, I used the functionality on XXXX XXXXXXXX XXXX website to start service at an apartment complex that I was planning to move in to. I chose the start date as XXXX/XXXX/22. Due to family emergency, I did not move into the apartment ; rather I moved to my parent 's home to care for them. On XXXX/XXXX/22, I used the functionality on XXXX 's website to stop service at the apartment. In XXXX, when I went to pay my final bill for the apartment that I had been living in for a few years, I noticed there was an outstanding balance of {$60.00} for the apartment I never lived in. I emailed XXXX and stated that I never moved in to the residence. I assumed they would have adjusted the bill accordingly and only charge the basic service charge of {$16.00}. I checked the website account again in XXXX and XXXX to see if the bill had been adjusted. Seeing as how they ignored my email, in XXXX, I paid {$20.00} on the bill with the assumption that I would be liable for the full amount, which I accepted at that point ( or else I would not have paid the {$20.00} ). Today, I was notified by my credit score monitoring company that my account for the apartment I never lived in, went to collections. I went to the XXXX site and it shows the account is inactive ; there are no options to pay the balance online. I was NEVER sent any form of communication regarding this being in arrears. I was never notified by phone, nor by mail, nor by email. I have diligently tried to increase my credit score for the past two full years.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95843	Web
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume
03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
I am XXXX XXXX, a federally protected consumer and I am making a complaint against Monarch Recovery Management , Inc. regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, and this alleged debt continues to remain on my consumer reports with no regards to how this affects me. First, I would like to state that I have never given Monarch Recovery Management , Inc. any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences, I have still not validated any alleged debt with Monarch Recovery Management and while I have not validated such a claim of debt this, in turn, it can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX, MONARCH RECOVERY MANAGEMENT, INC., and myself, giving Monarch Recovery Management any right to collect on this alleged debt. It is my belief that Monarch Recovery Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
02/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92672	Web
In XX/XX/2020 I received a written notification from XXXX XXXX XXXX , XXXX claiming they were attempting to collect on a debt for the original creditor XXXX XXXX with an account number referred to as ( XXXX XXXX XXXX XXXX ). Upon receiving this information and not having any previous knowledge of the account in question I requested validation under the Fair Debit Collection Act. In my request, I demanded a copy of any and all documentation showing this account was authorized and opened on my behalf including but not limited to a signed agreement. On the contrary to my request I notified Monarch that this account was previously investigated by law enforcement and deemed fraudulent due to identity theft but pursuant to law I would await their proof of ownership. On the contrary to my previous position on XX/XX/2020 I received notification including copies of what appears to be a credit card statement. In a review of these documents which did not include what I requested the name and address were both identifiers not associated with me personally. At this present time I have turned the matter over to our attorney for immediate action but I was instructed by law enforcement to open a claim pertaining to Monarch 's failure to comply.
12/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 787XX	Web	Servicemember
Called in to pay a debt that I did acknowledge that belonged to me. I was told if I paid the debt it would be reported to the original creditor and a receipt or letter would be provided to me within 10 days after payment. I called back in on XXXX informing the representee I still yet to have received any receipt of the payment I made on XXXX The representee continue to try over talking me while on the phone. The representee did acknowledge I paid said the account was closed. My question to her was, can I get my receipt that the debt was paid and settled? She said they would mail it out. I asked for a email option or fax and that was denied. My second question was this paid debt reported to the original creditor? The representee said she did not know. I asked to speak with a supervisor that could answer the question? I was on hold for over 24 minutes and 44 seconds and they hung up on me! On XX/XX/ the first representee took my payment and said it could be sent by email or XXXX after ten days. I was misinformed by both calls to take my payment and now I can not get any proof of the debt being settled or resolved feel I was lied to to just take my money.
09/23/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CO 80602	Web
I continuously receive calls to my personal cell phone from Monarch Recovery, XXXX, regarding my ex-husband. They identify themselves as a recovery agency ( sometimes ) and ask for him by name. I have told them numerous, repeated times that this is not his phone, we do not have a legal or financial relationship, and I have variously provided his contact information and also asked them to stop calling. I receive a call from this number almost daily and sometimes during working hours XX/XX/2016, and at least weekly during XX/XX/XXXX. I have added them to my auto-block list on my cell phone to avoid the annoying and disruptive contacts. I found out that they are also calling my mom ( his ex-mother in law ), who has even less history with him. This firm obviously has my ex-husband 's current contact information, as I discussed the incident with him and he was aware of the firm and had been contacted by them as well. It should n't be OK to repeatedly contact disinterested third parties just for the sake of annoying them into pestering a person ( over whom they have no control ) into paying their debt.
08/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web
i am a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
04/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21012	Web	Older American
I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with XXXX Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my XXXX credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXXXXXX about XXXX miles away from my current residence. I did own a home XXXX miles from that area until XXXX, but it seemed coincidence. Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with XXXX that indicated there was a credit inquiry by XXXX XXXX on XX/XX/XXXX. It was about the time I made a purchase from XXXX for tires and wheels for $ XXXX I actually took a XXXX payment offer through XXXX that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.
02/19/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WI 541XX	Web	Older American
No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. see enclosures ( 6 )
07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01844	Web
My good friend for more than 10 years of friendship stole my personal information to rent a house with utilities included to other people. She is a XXXX XXXX XXXX but she wanted to get extra money so I discovered that she use my information to rent to other people that have no credit history or bad credit and no legal documents. They were willing to pay extra money since they had the money but not the documents needed to rent a luxury apartment. This person use my information and others people information around her to do this type of frauds. I went to the police, reported the fraud and I also call XXXX XXXX and XXXX XXXX I sent them all the proof that I didnt use those services during that time. I also went to the apartment under my name and they stated that I wasnt the same person that use to live in their apartment but everything was under my name. I was on the process to buy my first house and i was ready to qualified but now I have to extend those plans because my credit is not good. I have all the proof this was fraud
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 493XX	Web
Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
06/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 55318	Web
I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.
11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
I have repeatedly told Monarch Recovery Management that the debt that they are trying to collect was from my old business. The debt was from a XXXX business loan. I have been tirelessly going back and forth between Monarch and the original bank, XXXX, and neither are of any help. XXXX sent me the statements in questions and they all have my name and my company 's name on them. I did not personally guarantee the loan and have since dissolved the company. The proper procedure would be to pursue my company and not me. They have put the debt on my credit report and it's destroying my FICO score. Everything else is positive, but this is negative. I have also tried to resolve this with the three different credit reporting agencies, but have not been able to. After I have told Monarch that this is not a personal debt, they will not stop calling me and remove the debt from my credit report. Please help me in dealing with them.
08/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11237	Web
I received a collection notice from Monarch Recovery Management , Inc. on XX/XX/21, claiming debt owed on an old XXXX checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with XXXX, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from Monarch Recovery by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, Monarch failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with Monarch, there are anecdotal reports of other consumers receiving fraudulent debt claims from Monarch. Please let me know if I may provide any additional information. Thank you! XXXX XXXX
05/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95833	Web	Older American
I received a call at XXXX today from XXXX from a person identifying herself as XXXX. She stated she was representing Monarch Recovery Management based in XXXX and asked if I was XXXX. I affirmed that I was, and she asked for my birth date. This I refused for obvious reasons. I asked the nature of the call, and she replied it was about a debt to a bank I had never heard about. I told her I had no debts and had never heard of the bank she mentioned. I asked her for the birth date of the person she was looking for and she refused, citing privacy. She then suggested that my providing her with my birth date might help me detect identity theft. As a retiree from the California Department of Consumer Affairs, this raised a red flag for me. Wheedling info out of people is known as social engineering by scammers. In any case, I have no debts. How do I complain if this company calls again? Thank you, XXXX XXXX, CA
06/05/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53051	Web
It appears to be a XXXX so can't talk to anyone. They never send any information to verify the debt. So I am unsure of validity of any debt. They call usually XXXX times a day. They have called other relatives as well telling asking for me and telling them they are bill collector. They have told other family members about debt, but they never sent any letters or anything. Yet they call. I believe they have violated the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
02/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77477	Web
For the past two to three months, I have been receiving calls from Monarch Recovery Management attempting to collect a debt. The callers leave a message on my cell phone voicemail because I do not answer calls from callers not in my cell phone address book or callers with an Unknown caller ID. The phone numbers being used to call me show up in my caller ID with no name. The area codes used are XXXX and XXXX. The phone numbers change within the XXXX area codes on subsequent calls. The callers identify themselves as Monarch Recovery Management, stating that this is a call from a debt collector. Sometimes they say they are calling to collect a debt. In ALL cases, the callers NEVER give the name of the supposed debtor. On occasion no message has been left at all. I do not have ANY delinquent debts, so I should not be receiving debt collection calls.
12/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web
XXXX XXXX home had a month to month contract through the Business We contacted the Representative for the company to provide a new quote. His quote was with another company not XXXX and was to high. He told us not to use XXXX XXXX. We got several Quotes. We notified the XXXX XXXX representative and we called XXXX XXXX Directly. We sent in a notice of cancellation. We called and asked the final amount due. We paid in full the final amount due, wrote this on our payment payment in full. XXXX XXXX has now sent out a personal debt collector on me in a fraudulent amount of {$1300.00}. They have also sent this to collections in my personal name and I did not personally or individually sign up for services through XXXX XXXX. They have called my cell and repeatedly harass me. They have created a huge debt which is fraudulent and factually incorrect.
11/19/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MN 56560	Web
Monarch recovery sent me a debt collection and the company is lying about the account and when I made a payment last. This is a XXXX credit account that XXXX XXXX bought after I had a huge issue with XXXX and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my XXXX account until I get things worked out with XXXX. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a XXXX manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.
09/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web	Servicemember
I have contacted Monarch Recovery Management Incorporated on several occasions to obtain a receipt of payment for a debt with XXXX XXXX. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
05/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I have on several attempts made contact with XXXX XXXX XXXX about an account ending in XXXX and asked to remove this inaccuracy from my consumer file .... XXXX XXXX, Customer Service Department informed me that this account had been sold with out my permission to a collection company on XX/XX/2018 i received this notice ... I have not approved of this account and it has not been verified or validated, but to learn that this card whom which i did not obtain has been sold to a collection agency i am asking for immediate removal as i have no contract with XXXX XXXX XXXX nor do i have a contract XXXX XXXX XXXX this is violating my rights under the FCRA..My personal information is once again in the hands of someone whom i have not authorized to be ....
03/23/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA XXXXX	Web
On XX/XX/XXXX, I contacted XXXX XXXX, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/2018 but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and XXXX XXXX needed to make this decision. I asked her to forward my request to XXXX XXXX but she refused. I contacted the collections department at XXXX XXXX over the phone and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help from XXXX XXXX XXXX XXXX. nor XXXX Bank.
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48237	Web	Older American, Servicemember
I filed a complaint/dispute with XXXX XXXX/XXXX via their dispute system XXXX 2020. After submitting complaint online, I looked up the collection agency that had complaint on my file Allied Account Services, XXXX XXXX XXXX, XXXX, XXXX I spoke to the representative and told him if he checked his records he would see that I've never lived in XXXX XXXX or had any relative living in the state. I told him whoever opened the account with the utility had to have used their own social security number. I told him that they did not use due diligence in investigating and that I wanted it removed from my record. That XXXX is still on my record with XXXX, XXXX XXXX and XXXX. I want them FINED for being sloppy and irresponsible! .
12/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07305	Web
On XX/XX/2019 I reviewed my consumer credit report and seen various XXXX XXXX XXXX inquiries I called XXXX to report that I don't have any XXXX XXXX credit cards open nor have I recently applied for a XXXX XXXX credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called Monarch Recovery Management , Inc to discuss my concern further. I reached out to Monarch which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this XXXX XXXX XXXX Credit owned by XXXX XXXX.
06/21/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92804	Web	Servicemember
Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.
11/03/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85283	Web
This company has called me many times before XXXX XXXX. I recently called them on XXXX and they were rubbing in my face that I owe XXXX $ and saying at least I dont owe any debt, making me feel bad about myself and my financial situation. I was calling to make a settlement on this even though they have attempted to collect debt illegally many times. Im really sick of this company. They have sent so many letters to my old house even though I have told them to STOP. When I called them they also had a a voice changer on and it sounded like a COMPLETE robot and they refused to transfer me to someone so I could actually understand them. I have this on recording.
07/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98087	Web
The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.
07/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 648XX	Web
XXXX XXXX closed my account on XX/XX/XXXX or XXXX I believe XXXX. Many occasions this account was being shut down due to various circumstances for?. For some reason XXXX XXXX decides to reopen it in XXXX for? And claims I have a overdraft. When the account was closed. The account was not in the negative. Not only due the stats prove that this is not my debt, but the dates as well. This has been an ongoing process that has caused me to force myself to talk to multiple representatives that not only has it made me feel like a victim and uncomfortable about this manipulation of my identity. Sincerely Regards, XXXX XXXX
03/11/2017	Yes	Credit card	Credit card protection / Debt protection	PA 19446	Web
I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.
03/12/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MD 217XX	Web	Servicemember
Never given amounts, refused to send verifying documentation of amount owed and to whom it was owed, multiple calls, called XXXX XXXX family members claiming to be lawyers or police and that if they didnt pay the amount owed ( again never reveling amount ) theyd take legal action for bank fraud, my husband owes no debts, we just purchased a home and paid off all our debts so. I do not like when these companies harass people and lie to get debts that were already settled ( they pay for the amount not settled and I really wish the government would change that option to not be allowed )
09/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77080	Web
A company named Monarch Recovery called my place of employment, this a number I never give out as I work as an XXXX in a XXXX XXXX XXXX XXXX. They asked for the last four numbers of my social security, which I did unfortunately share with them. They stated that I have a large debt of about {$34000.00} from a hospital called XXXX XXXX. I live in Texas and have never been to XXXX, FL. The person apoligized to me and hung up. I then tried to recall and another person tried to ask me the same questions, but when I asked how they accessed my phone number the person hung up on me again.
02/02/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84088	Web
We have been receiving robo collection calls at our business number everyday at between XXXX XXXX and XXXX XXXX. This has been going on for several months. The recorded messages gives the name of a person and states this is Monarch Recovery and they are trying to collect a debt from the named person and instructs the person answering to press a dial pad number to be connected. We have spoke to people at this collection agency several several times to explain that we do not know this person nor has this person ever been employed by us, yet the calls continue.
12/13/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web	Older American, Servicemember
The jackbooted thugs of MONARCH RECOVERY XXXX have called us at XXXX pm on XX/XX/2018, at XXXX pm on XX/XX/2018, at XXXX am on XX/XX/2018, and at XXXX pm on XX/XX/2018. I believe that 4 consecutive phone calls with no msgs left in my voicemail constitutes harassment. We are seniors and have no outstanding loans nor debts. We have even told these thugs via email to please stop calling our home phone number, yet these tyrannical bullies won't stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX XXXX XXXX XXXX http : XXXX
11/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 331XX	Web
Allied Account Services , Inc XXXX XXXX XXXX XXXX, NY XXXX Original Creditor : XXXX XXXX This company put a collection on my credit report when they and National Grid ( the original creditor ) admitted mistake by sending extension to wrong address multiple times. They agreed to take off my credit only XXXX month minus {$140.00} FOR EXTENSION IS THE CORRECT AMOUNT WHICH COMES OUT TO APROX. {$450.00}. COMPANY ADMITTED MISTAKE AND SENT EXTENSION XXXX HOURS AGO AND IT WAS SENT BACK AND SIGNED RIGHT AWAY COMPANY HAS AGREED TO TAKE ALL LATENESS OFF CREDIT.
10/11/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 334XX	Web	Servicemember
I have received several call and mail from MONARCH Recovery Management inc. phone # ( XXXX ) XXXX associated with XXXX XXXX XXXX ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.
12/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80021	Web
The company listed as " Monarch Recovery Management '', phone number XXXX, has been constantly calling me on a daily basis. I have no debts owed and they are trying to aggressively get me to pay money that I do not owe by constantly harassing me. I have contacted the company numerous times to stop calling me and they confirm each time that they will cease all calls to my number. They just keep calling multiple times a day and have ignored my requests to cease their harassment. This has been ongoing for several months and it is terrible.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 122XX	Web
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the ALLIED ACCT listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. ( ALLIED ACCT XXXX )
11/17/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32825	Web
I identified that the company is calling the wrong number and that this number has been associated with me for over 40 years and they need to remove me from their system or list. They keep calling. I now want them charged legally for Harrassment. My number is unlisted. My number has been registered with the DO NOT CALL Florida and national registries.. They call before while Im still sleeping. I am not the person they are calling about. It has to stop and they should be prosecuted, in my opinion, for the Harrassment. Thank you.
11/16/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 609XX	Web	Servicemember
I have not received any documentation about this supposed debt that I owe to this debt collection company, but they just recently called my office and left a message with my boss. They have contacted me prior and threatened to sue me but refuse to tell me what debt this is for and how much I owe. They are breaking many, many laws with their scare tactics and they're trying to collect on a debt that is past the statute of limitations for the state of Illinois. There are several lawsuits out there against them currently.
07/10/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 939XX	Web
I am the debtor 's mother. I am handling this because he has been diagnosed with XXXX and can not handle anything at this time. However I am willing to pay this if it, in fact, his debt. But there number on the collection notice only gives me a message " All operators are busy at this time. '' No matter how many times a day I try to call. I do n't want to pay it unless I know for sure it 's my son 's debt. They do n't have his name on the collection notice correctly, so I need to talk to someone about it.
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web
I called the number provided by Monarch Recovery Services indicating that a debt from XXXX XXXX XXXX for an account an address in XXXX, XXXX ( a place that I do not live ) was associated with my name, birth date, and XXXX-based mobile phone number. I don't have any magazine subscriptions, and do not live in XXXX. Just because I have a common name does not mean I should be harrassed by companies like this who have TERRIBLE reviews with the XXXX XXXX XXXX for similar actions with many others.
11/14/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 08817	Web
XX/XX/2021 This company is call tracing and calling everyone involved with me. They are not even letting me get into my account and may have sold it off with out reason or notice. Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. People have so many XXXX and XXXX complaints online. They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.
11/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15601	Web	Older American, Servicemember
I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. Thank you for your assistance.
06/22/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 49203	Web
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for XXXX. They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
06/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91762	Web
On XX/XX/2020 I called XXXX saying I owed money XXXX. But I told them I didnt because it was a bank error they did from their computer system. The bank said yes its a mistake they made and it was a bank system error. So I didnt owe the money to them anymore after they told me that day.Now later a debt collector company monarch is saying I owe this money to XXXX still XXXX when I know I didnt owe that anymore because XXXX XXXX told me that.
09/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MN 562XX	Web
Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 672XX	Web
I received calls from Monarch Recovery. At first, I would receive a message for XXXX ( unknown last name ) trying to collect a debt. This occured last year. I would receive a message now and then. I decided to block the number. Can not recall the number. I started receiving a number from Monarch Recovery on this caller ID XXXX. It will just ring and no one would be on the other line or the line would disconnect.
10/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77040	Web	Servicemember
I received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.
06/13/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 754XX	Web
Called my cell phone asking for my husband. I told them I was his wife, the representative said she could speak to me about the matter. The representative asked me to verify my husbands date of birth, but when I told her she could give it to me and Id verify it, she said she wasnt able to do that and said she wasnt able to speak to me about the matter. My husband doesnt have anything in collections.
11/04/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55433	Web
This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.
05/17/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90041	Web
I settled my account for {$420.00} dollars with debt company Monarch Recovery Management , Inc ( Account # XXXX ), however, they returned the payment as the original creditor is only accepting {$550.00} dollars. The settlement offer of {$420.00} was offerred in a letter I received by mail from Monarch. Can they do that, offer and accept a settlement and then refuse it and ask for more?
05/04/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32401	Web	Servicemember
Thus company, Monarch Recovery, has repeated called me. They are leaving voicemails threatening me, they've started calling my children and friends. I receive between 4 and 6 calls a day from these people. My daughter was called twice today by this company. They left a voice mail with her threatening me. I am being stalked and harassed by these people and it is ridiculous.
03/11/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46410	Web
A place of harassment by the name of Monarch Recovery keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe Monarch/XXXX XXXX XXXX ANYTHING and I am tired of the harassing calls and mail.
03/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 372XX	Web	Older American
This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!
10/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11772	Web
I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.
08/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77056	Web
There is an electricity bill in Ohio that has my name on it, and is in collections. I have not lived in Ohio since I was XXXX XXXX XXXX and I have never owned property or leased property in Ohio as an adult. I contacted the organization a year ago and they have continued to report negatively to the credit bureaus that I am delinquent on {$1000.00}.
01/05/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11801	Web	Servicemember
https : XXXX XXXX XXXX XXXX XXXX Female caller refused to identify company claimed my son gave the number as his, which is a lie. This is not the first time this company has called me over a dispute with my son, who is an adult. Each time they say they are going to remove me from their data base. They lie. Today is XX/XX/2022 incoming call XXXX am
03/03/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87507	Web
Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.
01/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
07/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74011	Web
Monarch Recover Management Inc. This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I provided proof on XX/XX/2022 that I paid {$760.00} for account XXXX. I included copy of the transaction from my credit card and letter.
09/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
I moved from this address XXXX XXXX XXXX XXXX ny XXXX i relocate to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.and this Company name allied account SRVS Put me in collection Without my written consent for electrical bill for {$3400.00} Iwould appreciate if these items remove from my credit report immediately thank you
11/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 389XX	Web
Monarch Recovery Management sent a letter on XX/XX/XXXX which I responded to and notified them that the debt is invalid. They did not respond but instead sent another collection letter with less writing on it dated XX/XX/XXXX. This company was notified that this debt is invalid yet they continued to contact me.
04/15/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 93065	Web
This company is trying to collect a debt that as sent over to them from XXXX XXXX and I 'm currently disputing all charges with XXXX at this time. XXXX cotniually violates credit card rules and regulations and here is a clear example of them sending this to a debt collector when we are in the dispute process
01/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46804	Web
Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. ( from number XXXX )
06/30/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33614	Web
Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery
10/06/2021	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 Was not notified of investigation status or results	MA 02122	Web
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
01/21/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 919XX	Web
I had been phone repeating call from XXXX Monarch Recovery robocall. Never received written from Monarch Recovery nor are reporting any of my credit bureaus messages left on answered Machine. They a last name ask press 1 if that is name or press 2 if not.
07/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30253	Web
NO PP/ NO PERSONAL GUARANTEE XXXX ACCOUNT FOR LLC BUSINESS XXXX XXXX XXXX XXXX XXXX I HAVE NO SIGNED CONTRACT WITH XXXX, NOR THIRD PARTY DEBT COLLECTOR MONARCH RECOVERY MANAGEMENT, DEBT WAS PAID ALREADY SUBMITTED1099A & PAYMENT LETTER, DATED XX/XX/2022.
05/31/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23608	Web	Servicemember
I dont know why this company is callling my home. I have a perfect credit record and I dont owe any company any debt. I answered the last time they called and I kept saying hello hello and then I just heard a click in my ear. They never said a word.
09/13/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA XXXXX	Web
This XXXX XXXX account has been closed for 3 years why I'm I getting a letter saying I owe them {$220.00} I will not going to paying this amount I lost my job I lost my wife to XXXX I am struggling financially I will not pay please leave me alone
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA XXXXX	Web	Servicemember
This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old
10/24/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MI 484XX	Web
Monarch recovery services has repeatedly contacted my employer and even informed person that answered what they were calling for and who they were - that information is not supposed to be shared with people I work with.
08/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97045	Web
I have received a phone call every day since XXXX/XXXX/15. Asking for someone who I do n't know. I have repeatedly asked them to update their information. They constantly ask for my birthday and social security number.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI XXXXX	Web
This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
12/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web
This company has called me 9 times starting XX/XX/2022. I do not recognize this company and have never had any business with them, so I don't believe I owe this debt and I am not going to pay it. Than
12/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91344	Web
Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day.
12/19/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 802XX	Web
This company keeps calling for a XXXX XXXX XXXX dozens of calls - maybe one per day for several weeks ), and we have repeatedly told than that she is not at this number. Yet they keep calling.
09/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28054	Web
I HAVE NEVER HAD ANY CONTACT WITH THIS COMPANY NOR DID I EVER HAVE ANY CONTRACT OR AGREEMENT DIRECTLY WITH THIS COMPANY I OWE THEM NOTHING AT ALL NO VALIDATION OF DEBT VIA EMAIL OR USPS
05/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 554XX	Web
I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.
12/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/30/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 372XX	Web
Since XX/XX/XXXX, MonarchyRecovery has repeated called my phone. Interrupting and distracting me from work and daily life. The calls are frequent. Every 15 secs I receive a call.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78626	Web
XXXX collection company has not removed themselves off my credit XXXX XXXX has removed the original collection and now another collection company is bothering me via mail
12/17/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92879	Web
they called back to back at XXXX stating that they are going to serve me at my house with a document I dont owe their client nothing i dont even know who their client is.
03/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55427	Web
XXXX XXXX XXXX They have repeatedly ignored me. This isnt my debt and theyve ignored requests for additional information, proof and removal of information.
06/27/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
My mother receives repeated calls on a daily basis when the company has not once tried to contact myself or sent any correspondence through email or mail.
05/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 032XX	Web	Older American
court judgement to me. collection bought original debt many times from lawyers, collections agencies. Paid for 3 years with no principle payments reduced.
01/27/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I received a letter from this company demanding payment for a debt that I do not recognize. To my knowledge I have never done business with this company
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
Multiple violation of FDCPA. Thinking that offering 50 % is going to get someone to pay. And. Sadly I'm sure they are getting more than a s few.
04/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21212	Web
Monarch Recovery Management, INC. has failed and refused to issue XXXX XXXX XXXX XXXX a Statement of Account showing a {$0.00} balance.
05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 754XX	Web
Received a debt collection letter from monarch recovery management in amount of XXXX in XX/XX/2020. Someone using my address and name.
07/21/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK XXXXX	Web	Servicemember
Never received anything about alleged debt through mail. Repeated phone calls and threats to family members regarding alleged debt..
07/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IA 507XX	Web
Monarch has sent me multiple letters and phone calls asking me to pay a debt that I don't owe them in the amount of {$1200.00}.
10/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 90710	Web
This company contacted a third party and disclosed information about a debt that they say I owe to another originator.
03/15/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89148	Web
Contacted me at my place of business and disclosed to my employer that they were a debt recovery company.
08/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 119XX	Web
I was sent a letters in the mail claiming that I owe a debt which is a violation of my consumer rights
05/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 65101	Web
This is a mobile phone, I do not know that person nor affiliated with that person.
08/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60605	Web
I 've registered my number and informed this monarch recovery to stop calling me.
02/14/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 86301	Web	Servicemember
Calls work, I have never left a voicemail and they are complete XXXX artists.
02/11/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 86301	Web
They have been calling my work and I have asked them to stop and they wont
04/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Web
Not sure about this debt at all. I do not owe this company.
09/11/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30213	Web
XXXX Monarch Recovery Management called my mom 's phone.
01/25/2024	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85340	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 973XX	Web

01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02124	Web

01/10/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43068	Web

01/02/2024	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NY 11222	Web

12/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web

12/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21201	Web

12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12586	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14215	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75602	Web

11/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02478	Web

11/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37882	Web

11/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22039	Web

11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02149	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75601	Web

09/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06098	Web

09/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24590	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85248	Web

08/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85747	Web

07/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00718	Web

06/16/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30032	Phone

06/16/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NY 11218	Web

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11234	Web

04/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Web

04/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11518	Web

03/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Web

03/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11575	Web

03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10466	Web

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30019	Web

02/06/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97232	Web

01/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95828	Web

01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19143	Web

01/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

01/10/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 34997	Web	Servicemember

12/03/2022	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	VA 23320	Web

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37909	Web

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95833	Web	Servicemember

11/07/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 15226	Web

10/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07407	Web

09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85274	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44122	Web

08/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07603	Web

06/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 41040	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19110	Web

06/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91731	Phone	Older American

05/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11791	Web

03/03/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30102	Referral

02/15/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44121	Web

01/31/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27809	Web

01/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02920	Web

01/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11553	Web

11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10605	Web

10/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 01570	Web

10/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

10/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33872	Web

09/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

08/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64063	Web

08/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 13210	Phone

08/11/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	LA 70116	Web

07/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11428	Web

04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10705	Fax

04/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

03/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95355	Web

03/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37206	Web	Servicemember

03/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02343	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web

02/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

01/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02038	Web

12/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

12/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02860	Web

12/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11691	Web

12/11/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 93535	Web

11/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11412	Web

10/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30120	Phone

08/13/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55404	Postal mail

08/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75051	Postal mail

06/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32065	Postal mail

06/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44130	Phone

06/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77640	Phone	Older American

05/20/2020	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	MO 64030	Web

05/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone	Servicemember

05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28791	Referral

04/14/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21769	Web

01/21/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	IN 46360	Web

10/23/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30016	Phone	Older American

10/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60914	Web

09/29/2019	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 95618	Web

09/03/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OK 73170	Web

09/03/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OK 73170	Web

09/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01741	Web	Older American

07/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33573	Web

03/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75051	Web

12/18/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85041	Web

10/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80010	Web	Older American

10/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 06385	Web

09/25/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WV 24925	Referral

08/10/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75024	Web

08/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93036	Web

07/24/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37042	Web

06/20/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77627	Web

06/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Postal mail

05/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97213	Referral

05/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 62801	Web

05/09/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 43082	Referral

04/09/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

03/02/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 43082	Web

12/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38572	Phone

09/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95380	Web

06/13/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19166	Phone

05/26/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07054	Web

04/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CO 80220	Web

03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 64014	Postal mail

03/02/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Referral	Older American

02/19/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

02/16/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	WY 82001	Web

01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08054	Referral	Older American

11/13/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 28104	Web

11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	NM 87109	Web

10/21/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	PA 16509	Web

08/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 99336	Referral

08/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27599	Web

08/03/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	OK 73045	Referral

07/11/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	SC 29715	Web

04/20/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me instead of my attorney	WA 98321	Web

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55309	Referral	Older American

04/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95473	Postal mail

03/21/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91042	Phone

02/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38375	Web

02/18/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CA 92679	Web

02/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33980	Referral	Older American

01/28/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44128	Web

01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 02724	Referral

12/09/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97201	Referral

12/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web

12/08/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90650	Web

11/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85208	Web	Servicemember

11/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93727	Fax

10/02/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AR 72118	Web

09/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	AK 99507	Referral

09/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48076	Web

08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 74331	Web

08/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89002	Web	Older American

06/07/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 60641	Web

04/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32073	Web	Servicemember

04/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 49829	Referral

04/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 37421	Postal mail

03/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	PR 00959	Postal mail

03/19/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NC 28023	Web

02/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02919	Web

02/17/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 14120	Web

02/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90277	Phone	Older American

01/31/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90018	Web

01/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30126	Web

01/10/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 92647	Web

01/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NM 87104	Phone

01/05/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32526	Web

12/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75762	Web

12/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22311	Web

11/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20854	Phone	Older American

11/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 25434	Web

11/17/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08026	Web

11/04/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	SC 29512	Web	Older American, Servicemember

11/04/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85206	Web

10/20/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MA 01844	Postal mail

10/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45140	Phone

09/26/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11375	Web

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55792	Referral

09/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29576	Web	Older American, Servicemember

09/09/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	VA 22201	Web	Servicemember

09/04/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NH 03037	Web

08/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 90043	Referral

07/24/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 20832	Postal mail

07/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 07002	Web	Servicemember

06/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43068	Web

06/29/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 90011	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10029	Web

05/09/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	OH 43215	Web

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 64108	Referral	Older American

03/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93306	Web

03/06/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	ME 04579	Web

03/05/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 45322	Web

02/27/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11218	Web

02/13/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 33020	Fax

01/30/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 32444	Web	Older American, Servicemember

01/23/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CA 90805	Web

01/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43204	Phone

01/22/2014	Yes	Credit card	Other	HI 96745	Phone	Servicemember

01/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MA 01841	Phone

01/10/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MN 56304	Web	Servicemember

12/24/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48187	Web

12/18/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AL 36551	Web	Servicemember

12/18/2013	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	TX 77396	Web

12/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46814	Phone

11/13/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AR 71655	Referral	Older American

11/12/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web

11/01/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93263	Phone

10/29/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MD 20878	Referral

10/11/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 47885	Postal mail	Servicemember

09/09/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32605	Phone

08/21/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39404	Postal mail	Servicemember

08/18/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33165	Referral

08/10/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95132	Referral

08/09/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 32725	Web

08/05/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11421	Phone

07/28/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MA 01085	Web	Older American

07/17/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	FL 33021	Referral